Benefits of Apollo munich optima super top up plan

1. In-patient hospitalization - minimum 24 hour hospitalization is required to claim medical expenses.

2. Pre-hospitalization - medical expenses incurred 60 days before hospitalization like consultations, investigations and medicines shall be covered.

3. Post-hospitalization - medical expenses incurred 90 days after you are discharged from hospital like consultations, investigations and medicines shall be covered.

4. Day-care procedures - 144 day-care procedures are covered which do not require 24 hours of hospitalization.

5. Organ donor - organ donor will get the treatment expenses at the time of transplant.

6. Ambulance service - up to ?2,000 if ambulance service is used on the way to hospital for hospitalization.

7. Waiver of deductible benefit - if you are enrolled before the age of 50 years and the policy is renewed continually without a break then at the time of renewal (between 55-60 years) no underwriting or medical will be required to convert it into indemnity health insurance plan.

8. Cashless service - for planned hospitalization, pre-authorization approval is required 48 hours before the admission. In case of an emergency, you will need to inform the insurer within 24 hours of hospitalization.

9. Portability - you can port any other company's health insurance plan to Apollo.

10. Tax benefits - income tax benefit can be availed under section 80d.