You need health cover regardless of what you take two at a time - pills or stairs.
  • Apollo Munich Optima Senior Plan

    The plan offers health insurance cover for senior citizens and their spouses. It offers a wide variety of benefits and even discounts if the policy is taken for 2 years or if it is used to cover you and your spouse.

    Benefits & Features - Apollo Munich Optima Senior

    Entry Age 61 years and above
    Basis Individual
    Policy Period 1 year or 2 years with a grace period of 30 days
    Renewability Lifelong
    Sum Insured The sum insured can be Rs. 2 lakhs, Rs. 3 lakhs or Rs. 5 lakhs
    Premium The premium will depend on the sum insured and the age of the policyholders. It can range from Rs. 12,000 to Rs. 90,000
    • 5% discount is offered if your spouse is also covered under the plan
    • 7.5% discount is offered if the policy is taken for 2 years
    • It also offers a 5% cumulative discount for claim-free years
    • 15% in case the accommodation is a twin sharing room or lower
    • 30% co-pay will apply for single occupancy or higher category rooms
    • 30% co-pay will apply for specified Illness or surgeries like cataract, hysterectomy, arthroscopy
    • For day care procedures the co-pay amount will be 15%
    • The plan can be used to cover your spouse too
    • The plan will cover a second opinion by one of their doctors if a diagnosis of a critical illness is received
    • Pre-hospitalisation expenses of up to 30 days before hospitalisation are covered
    • Post-hospitalisation expenses of up to 60 days after hospitalisation will also be covered
    • Cover is provided for up to 140 day-care procedures
    • Domiciliary treatment will also be covered
    • Treatment for organ donors for the harvesting of organs will also be covered
    • Ambulance charges of up to Rs. 2,000 will be covered for each hospitalisation
    • Pre-existing conditions will be covered after a waiting period of 3 years
    • The waiting period for certain diseases like cataract, hernia, joint replacements etc. will be 2 years
    • Only accidental injuries will be covered for the first 30 days of the policy
    • The network for this policy is spread across 800 cities and more than 4,000 hospitals
    • The company offers portability options which means that you can shift to Apollo Munich upon renewal of policy
    • Premiums paid towards this policy are eligible for tax benefits under section 80D of the IT Act
    • HIV/AIDS expenses will be excluded
    • Treatment for congenital diseases, mental disorders or cosmetic surgeries will be excluded
    • Any item meant for personal comfort will not be covered
    • Pregnancy and dental treatments will also not be covered
    • Abuse of intoxicating substances will also be excluded from cover

    Other Health Insurance Plans from Apollo Munich

    This Insurance Company has not partnered with For more details, please visit its website/branch office. The trademarks, logos and other subject matters of intellectual property belong to their respective owners.

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