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
Discount
  • 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
Coverage
  • 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
Benefits
  • 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
Exclusions
  • 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

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.

 0.0 / 5.0   by 0 users
Used this product? Write a review >>

Cashless Treatment

Customer Service

Medical Coverage

Claim Experience

Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. Display of such IP along with the related product information does not imply BankBazaar's partnership with the owner of the Intellectual Property or issuer/manufacturer of such products.

reTH65gcmBgCJ7k
This Page is BLOCKED as it is using Iframes.