Apollo Munich Health Insurance

In-Patient Hospitalisation
The medical expenses for coverage for hospitalization of more than 24 hrs with no room rent limits.
Pre-Hospitalisation
The medical expenses that you incur due to illness during 60 days immediately before you are hospitalized.
Post-Hospitalisation
The medical expenses you incur in the 180 days immediately after you are discharged from hospital.
Day-Care Procedures
The medical expenses for all day-care procedures, which do not require 24 hours hospitalization due to technological advancement, are covered.
Domiciliary Treatment
The treatment expenses involved in getting a treatment done at home which otherwise would need hospitalization.
Emergency Ambulance
Expenses incurred if ambulance service is used on the way to hospital for hospitalization (up to Rs. 2000).

Optima Restore - The Unbelievable Health Plan (Individual/Family)

Optima Restore is one of its kind in Health Insurance that offers a unique Restore benefit that automatically reinstates the basic sum insured in case you exhaust it in a policy year.

Sure it sounds too good to be true but here is how it works: If one of the family members exhaust the floater sum insured during the year and any other family member falls ill later during the same insured period, we will restore the entire amount at no extra charge.

It also rewards you with a multiplier benefit in case you don’t claim in the policy. The multiplier benefit doubles your basic sum insured in 2 claim free years!

That's not all. Optima Restore also offers Additional Cover for Critical Advantage Rider (optional), under which you can opt to cover yourself worldwide at our network centers against treatment expenses for 8 major illnesses that include Cancer, Coronary Artery by-pass surgery, Heart Valve replacement / repair, Neurosurgery, Live Donor Organ Transplant, Bone Marrow Transplant, Pulmonary artery graft surgery and Aorta Graft Surgery.

Optima Vital- The critical Illness Plan

Sum Insured starting from 1Lac to 50 Lacs+ Lumpsum payment for 37 defined critical illness+ E-opinion for diagnosed critical illness.

Today we live in a fast paced and progressive world. Along with development our modern life is also accompanied with increasing stress, lack of diet or proper exercise. Owing to this we are now more vulnerable to non-communicable diseases; these critical illnesses are always associated with an increased cost of treatment along with a long and expensive recovery process.

This financial burden needs to be supported by a special financial protection plan, Optima Vital is our unique Critical Illness insurance policy that protects you financially in the event of any of the listed critical illnesses occurring.

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