Optima Super is one of the top up policies available in the product lineup of standalone health insurance service provider Apollo Munich. A top up policy is something that will provide you the extra coverage when your regular health insurance cover gets exhausted. This may come in handy during emergency situations where the medical expenses go overboard in an unexpected manner. Apollo Munich Optima Super is affordably priced and comes with flexible sum insured options. A certain level of deductible must be exhausted before this top up health insurance plan gets activated.
Apollo Munich Optima Super can be the taken by people who meet the following eligibility criteria:
Some of the notable features of Apollo Munich Optima Super can be listed as follows:
This policy comes with a range of benefits to provide adequate financial support to policyholders during a medical emergency:
|Benefits||Extent of Cover|
|In-patient hospitalisation expenses||Up to the sum insured limit (after the exhaustion of the deductible amount)|
|Day care treatment||Covered for up to 144 procedures|
|Organ donor||Covered (including the treatment expenses related to harvesting the organ)|
|Emergency ambulance cover||Up to Rs.2,000|
Some of the key exclusions applicable to Apollo Munich Optima Super can be listed as follows:
The customer service team of Apollo Munich can help you with the claim process. Following an event, you may contact the company’s customer service team and intimate them about it. When you contact the customer service, make sure that you have the policy number and other related details with you. It is better to inform planned hospitalisation 48 hours ahead and emergency hospitalisation within 24 hours of admission in a hospital.
For cashless treatment, you can send an authorisation request from the hospital by filling out the pre authorisation form. Once the request is sent, the company will verify the request and provide the authorisation. The authorisation for cashless treatment is usually provided within a matter of hours. Following the acceptance of the request, you can continue with cashless treatment for all medical expenses.
For reimbursement claims, you must file the claim within 15 days after your discharge from the hospital. The claim request must include various documents such as medical bills, diagnostic reports, physician certificate, cash receipts, prescriptions, discharge summary, etc. The company will verify the documents to ensure that the claim is valid. Once the request is processed, the company will provide the reimbursement amount to the insured person.
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