General insurance service provider Apollo Munich is a popular brand when it comes to health insurance in India. The company’s product lineup has a diverse range of plans suitable for people with different requirements. Apollo Munich Optima Plus is a top-policy that could provide you the much-needed extra coverage when your claims exceed the coverage offered by your regular health insurance plan. With an affordable pricing and flexible deductible options, Optima Plus could be the extra coverage that you might be looking for to cover you and your family.
Policyholders who wish to subscribe to Apollo Munich Optima Plus must meet the following eligibility criteria:
Some of the notable features of Apollo Munich Optima Plus can be listed as follows:
The benefits available for policyholders of Apollo Munich Optima Plus can be listed in the table below:
|Benefits||Extent of Coverage|
|In-patient hospitalisation benefits||Up to the sum insured limit (after the exhaustion of the deductible amount)|
|Day care treatment||Covered for up to 140 procedures|
|Emergency ambulance cover||Up to Rs.2,000|
|Organ donor cover||Available (including the expenses for harvesting the organ donated to the insured)|
There are certain exclusions for which Apollo Munich Optima Plus is not liable to provide any coverage, and they are listed as follows:
Any information regarding the claim procedure, claim forms, network hospitals, etc. can be found in the company’s official website. To initiate the claim procedure, you must intimate the insurer regarding the hospitalisation well in advance. While emergency hospitalisation can be informed within 24 hours after admission in a hospital, it is better to intimate planned hospitalisation at least 48 hours in advance.
You can get cashless treatment in any of the company’s network hospital. Check the network hospital list in the official website to find out if there are any close to your residence. You can send the pre authorisation request from the hospital through fax or by any other means. The insurer will verify the request before providing the approval. Once you get the approval, you can proceed with the cashless treatment process.
Reimbursement claims can be made after discharge from the hospital. You can contact the customer care regarding this process if you have any doubts. Along with the claim form, you must also submit various documents like medical bills, cash receipts, diagnostic reports, physician certificate, discharge summary, etc. The company will verify these documents and provide the reimbursement amount upon acceptance.
The premium payable towards Apollo Munich Optima Plus depends on various factors such as the sum insured amount chosen, the policy tenure opted for, the age of the policyholder, the age of the members of the policy, and so on. The deductibles opted for by the policyholder will also determine the premium payable. Health insurance applicants can check the premium amount payable online through the premium calculator available on the official website.
Yes, the plan offers the portability option. The policyholder is required to apply for portability 30 days before the renewal date of the current policy. The portability form is available on the insurer’s website.
Yes, Optima Plus offers the lifetime renewability option which allows policyholders to renew the policy throughout his/her lifetime.
Yes, the health insurance plan offers the option to convert the plan to a fully-fledged indemnity plan at retirement. The policyholder can avail this benefit when he/she is between 58 years and 60 years. The condition to avail this option is that the policyholder should have enrolled in this policy before he/she has turned 50 years old and has renewed the policy without any breaks.
If you want to buy an Apollo Munich health insurance plan, you can call 1800-103-0555. In case of any service-related queries, you can call 1800-102-0333.
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