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Apollo Munich Optima Senior Plan

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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
Discount
  • 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
Co-Payments
  • 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%
Coverage
  • 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
Benefits
  • 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
Exclusions
  • 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

Find cashless network hospitals nearby: Apollo Munich Network Hospital

Other Health Insurance Plans from Apollo Munich

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

GST rate of 18% applicable for all financial services effective July 1, 2017.

Disclaimer: Premiums may vary depending upon factors like age, location and prevailing taxes/GST.

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