Apollo Munich Optima Super Plan

The health insurance policy can be taken for an individual or for a family. It also offers a choice between having a deductible and having a policy that offers cashless treatment.

Benefits & Features - Apollo Munich Optima Super:

Entry Age 5 years to 65 years (Children of the age of 91 days can also be covered if one of the parents are covered by this policy)
Basis Individual / Family
Policy Period 1 year or 2 years with a grace period of 30 days
Renewability Lifelong
Sum Assured Three options for sum assured are offered; Rs. 5 lakhs, Rs. 7 lakhs or Rs. 10 lakhs
Premium Rs. 2500 and above based on options selected, number of members and the tenure of the policy
  • 10% discount if 2 or more family members are covered
  • 7.5% discount if policy is renewed for 2 years
Co-Payments Policyholders can choose deductible amounts ranging from Rs. 1 lakh to Rs. 10 lakhs
  • Cover available for a maximum of 4 adults and 5 children (Self, spouse, dependent parents and dependent children)
  • Waiting period for pre-existing conditions is 4 years
  • The waiting period for certain pre-existing conditions is 2 years
  • Expenses incurred for in-patient hospitalisation for more than 24 hours
  • Pre-hospitalisation expenses cover for up to 60 days prior to hospitalisation
  • Post-hospitalisation expense like consultation, investigations and medication for up to 90 days following hospitalisation
  • Cover for 144 day-care procedures
  • Expense of harvesting organs meant for the policyholders
  • Ambulance charges up to Rs. 2,000
  • Cover for domiciliary treatment
  • No maximum age for the cover to cease
  • Options to shift from co-pay to full indemnity health insurance
  • Comes with top-up options for nominal premiums paid
  • Policyholders can choose individual cover amounts for each member cover by the policy
  • Deductible can be waived for ages between 55-60 years
  • Offers services like consulting on nutrition, diet, and individual referrals at no extra cost
  • Premiums paid towards the policy are eligible for tax benefits under section 80D of the IT Act
  • It also offers portability options to shift from other insurers to Apollo Munich on renewal
  • Provides online health risk assessment tools to provide lifestyle and nutrition guidance for a healthy lifestyle
  • Congenital diseases, cosmetic procedures, mental conditions and weight loss treatments
  • Abuse of intoxicating substances will not be covered
  • Expenses resulting from HIV or AIDS
  • Hospitalisation resulting from war, exposure to chemical nuclear or biological contaminants and radiation
  • Pregnancy and dental treatments will not be covered
  • Experimental treatment or using unproven treatment will not be covered

Find cashless network hospitals nearby: Apollo Munich Network Hospital

Other Health Insurance Plans from Apollo Munich

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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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