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Product Overview

Apollo Munich Optima Restore Health Insurance Plan is a unique plan which automatically reinstates the basic sum insured, for no extra charge, in case you exhaust it within a policy year. The reinstated amount can be used for some other illness. Moreover, the plan also offers No Claim Bonus facility and increases the sum insured by 50%.

Unique Features of Apollo Munich Optima Restore Plan

  • Cumulative Bonus of 100 % is available over a period of 2 years.
  • Restore of Sum Insured is available for unrelated illness once in a policy year.
  • Pre & Post hospitalisation expenses are covered up to 60 & 180 days.
  • This plan has no co-payment clause.
  • Waiting period for pre existing disease is 3 years.
  • Daily cash if treatment is availed at shared accommodation.

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Critical features of Apollo Munich Optima Restore Plan

  • Room rent:
    Limits imposed towards room and ICU rent expenses
    No Sub limits on room rent and ICU charges
  • Co-Pay:
    Specific % of admissible claim amount to be borne by Insured
    This plan does not have co-payment clause.
  • No Claim Bonus:
    Health Insurance policies may offer Cumulative Bonus wherein for every claim free year, the Sum Insured is increased by a certain percentage at the time of renewal
    50 % of Basic Sum Insured per year upto a maximum of 100% for each unclaimed year in case opted for. (50 % will be reduced on claim)
  • Pre-Existing Diseases:
    Means any condition, ailment or injury or related condition(s) for which you had signs or symptoms, and / or were diagnosed, and / or received medical advice/ treatment, within 48 months prior to the first policy issued by the insurer
    This plan has a waiting period of 3 years for pre-existing diseases

Eligibility Criteria

  • Minimum Age of entry:- Children-91 days/Adults-18 years
  • Maximum  Age of entry:- 65 years
  • Renewal Age:- Long Life Renewal
  • Sum Assured:- 3 lakhs to 50 lakhs
  • Policy Tenure:- 1 & 2yrs
  • Family Definition:-
    Individual Plan - spouse, dependent children, dependent parents, parent-in-law, grandparents and grandchildren
    Family Floater - Self, Spouse,Father, Father-in-law, Mother or Mother- in-law, Grandfather, Grandmother
  • Premium Calculated on Basis of:- Age, (i.e. sum Insured Chosen)

Additional discounts

  • Family Discount of 10 % for 2 or more family members
  • Discount for multi-year polices - 7.5% discount for opting 2 yr policy tenure

Exclusions

Any claims arising out of or attributable to any of the following is not covered.

  • Expenses arising from HIV or AIDS and related diseases
  • Congenital diseases, mental disorder or insanity, cosmetic surgery and weight control treatments
  • Abuse of intoxicant or hallucinogenic substances like intoxicating drugs and alcohol
  • Hospitalization due to war or an act of war or due to a nuclear, chemical or biological weapon and radiation of any kind
  • Pregnancy, dental treatment, external aids and appliances unless covered under the specific Easy Health Insurance Plan
  • Items of personal comfort and convenience
  • Experimental, investigative and unproven treatment devices and pharmacological regimens.
  • Medical Expenses relating to any hospitalisation primarily and specifically for diagnostic, X-ray or laboratory examinations and investigations

 

Note: Please refer to the policy T&C for the detailed list of exclusions.

Tax Benefits

When you pay the premium for your health insurance policy, you are liable to get a tax rebate under section 80D of the Income Tax Act, 1961.

Claim Process

In case you would like to know about the Claim Process or would like to register a Claim please click the link below

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Tab 2

2 burgers per month

burger₹ 700
Your yearly cost on fast food = roughly ₹ 8,400
price
Cost of Health Insurance for whole family with ₹ 5 lakhs cover!

Tab 3

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