Apollo Munich Optima Vital Plan

Apollo Munich
Health Insurance

Apollo Munich Health Insurance is a collaboration between Apollo Hospitals Group, one of the biggest chains of hospitals in India and Munich Health, a global leader in health insurance. The company offers tailor-made products keeping the needs of the customer in mind. Apollo Munich offers healthcare, travel and personal accident insurance plans.

Contact Details

Toll Free Number- 1800-1020-333
E-Mail - customerservice@apollomunichinsurance.com

Product Overview of Apollo Munich Optima Vital Plan

Apollo Munich Optima Vital Plan is a critical illness benefit policy, which will pay a lump-sum amount on the diagnosis of the covered illness of specified severity post the initial waiting & survival period.

Unique Features of Apollo Munich Optima Vital Plan

37 critical illnesses are covered under this policy which is the highest in the industry
Pre-existing diseases are covered after 4 Yrs
E-Opinion option is available in this plan
Policy offers high sum insured upto 50 lacs
Disease specific differential Survival Period.
Value Add Service-Healthline/Health Risk Assessment

Eligibility Criteria for Apollo Munich Optima Vital Plan

Eligibility Criteria
Age Criteria Min Age: 18 Years Max Age: 65 Years (Dependant Child - between 18 Years to 25 Years)
Renewal Age Life Long Renewal
Coverage for Individual & Family Basis A maximum of 6 members can be added under an individual policy with a maximum of 4 Adults (Self, Spouse, Dependent Parents) and maximum 5 Children (Dependant Child can be covered from 18 Years to 25 Years provided both parents are covered in a critical illness policy)
Sum Insured Sum insured would range from: Rs. 1 Lac to Rs. 5 Lac in multiples of 1 Lac and thereafter till Rs. 50 Lacs in the multiple of 5 lacs. The maximum sum insured available above 55 years of age is restricted upto Rs. 20 Lacs
Policy Tenure 1 Year & 2 year

Product Benefits of Apollo Munich Optima Vital Plan

Critical Features
No Of Covered Disease 37
Initial Survival Period 30/90/180 Days
Initial Waiting Period 90 Days
Coverage For PED Yes-4 years
Second Opinion Yes
Other Features
Add On Covers Not Available
Sum insured Range Upto 50 Lac
Value Add Service Healthline/Health Risk Assessment
Type of Coverage Individual only
Annual Health Check Up Not Covered

Waiting Period for Apollo Munich Optima Vital Plan

Initial Waiting period - This implies that the insured is not covered for the 37 diseases under this policy for the first 90 days of the policy coming into existence. The waiting period is not applicable on subsequent renewals
Pre-existing Diseases - Any pre-existing condition will be covered after a waiting period of 48 months


Survival Period for Apollo Munich Optima Vital Plan

The survival period is the length of time, the insured, must survive after he has been diagnosed with a covered critical illness
30 days
20 Critical Illnesses covered
30 days survival period from the date of confirmed diagnosis with defined severity/ date of actual undergoing of the procedure
1.Cancer of Specified Severity
2.Kidney Failure requiring Regular Dialysis
3.Multiple Sclerosis with Persisting Symptoms
4.End Stage Liver Disease of Specified Severity
5.First Heart Attack-Of Specified Severity
6.Coma of Specified Severity
7.Major Burns
8.Goodpasture`s Syndrome
9.Apallic Syndrome
10.Aplastic Anaemia
11.Systemic Lupus Erythematosis
12.Bacterial Meningitis
13.Multiple System Atrophy
14.Progressive Scleroderma
15.Open Chest Coronary Artery Bypass Graft Surgery
16.Major Organ/ Bone Marrow Transplant
17.Aorta Graft Surgery
18.Open Heart Replacement or Repair of Heart Valves
19.Pneumonectomy
20.Pulmonary Artery Graft Surgery

90 days
14 Critical Illnesses covered
90 days survival period from the date of confirmed diagnosis with defined severity
1.Primary Parkinson’s Disease
2.Alzheimer’s Disease
3.Motor Neuron Disease with Permanent Symptoms
4.Stroke resulting in Permanent symptoms
5.Permanent Paralysis of Limbs
6.Primary Pulmonary Arterial Hypertension
7.Benign Brain Tumor
8.Cardiomyopathy
9.End Stage Lung Disease
10.Brain Surgery
11.Progressive Supranuclear palsy
12.Creutzfeldt-Jacob Disease ( CJD)
13.Major Head Trauma
14.Encephalitis

6 Months
3 Critical Illnesses covered
6 months permanent impairment from the date of confirmed diagnosis
1.Blindness
2.Deafness
3.Total Loss of Speech

Exclusion in Apollo Munich Optima Vital Plan

  • Illness, sickness or disease other than those specified as Critical Illnesses Policy
  • Claim with respect to any Critical Illness diagnosed or which manifested prior to Policy Inception Date
  • Arising out of use, abuse or consequence or influence of any substance, intoxicant, drug, alcohol or hallucinogen
  • Directly or indirectly caused due to intentional self-injury, suicide or attempted suicide; whether the person is medically sane or insane
  • Participation or involvement in naval, military or air force operation, racing, diving, aviation, scuba diving, parachuting, hang-gliding, rock or mountain climbing in a professional or semi professional nature.
  • Any critical illness in presence of HIV infections and / or AIDS.
  • Congenital internal or external diseases, defects or anomalies, genetic disorders.
  • Pregnancy, child birth; congenital internal and external diseases, defects or anomalies.
  • War, invasion, act of foreign enemy, war like operations (whether war be declared or not), nuclear, chemical or biological weapons, radiation of any kind, etc.

Additional Discounts in Apollo Munich Optima Vital Plan

Discount of 7.5% if insured person pays two year premium in advance as a single premium. This discount shall be applicable at inception and renewal of the policy

Tax Benefits of Apollo Munich Optima Vital Plan

Tax benefits for the premium paid under Section 80D of the Income Tax Act.

Claim Process for Apollo Munich Optima Vital Plan

Know Claim Process




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