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

    The 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, health information 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

    Other Health Insurance Plans from Apollo Munich

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