As a standalone health insurance service provider, Apollo Munich aims to provide health insurance service for people with all kinds of insurance requirements. The company offers health insurance plans for individuals, families, senior citizens, etc. There are many comprehensive covers available in the company’s product lineup. Among the comprehensive plans offered by the company, Optima Restore stands out as a one of a kind policy. As the name implies, this cover ‘restores’ the sum insured amount at no extra cost once it gets exhausted within a policy year. This policy is available in both individual and family floater variants.
The eligibility criteria set forth by the company for enrolling in this medical insurance policy can be given as follows:
Apollo Munich Optima Restore comes with a lot of attractive features that can be listed as follows:
|In-patient hospitalisation||Up to the maximum sum insured limit|
|Restoration benefit||100% sum insured restoration following exhaustion after a claim|
|Day care treatment||Coverage for all procedures|
|Daily cash for choosing shared accommodation||Rs.800 per day (max. Rs.4,800) for sum insured up to Rs.15 lakh Rs.1,000 per day (max. Rs.6,000) for sum insured Rs.20 lakh and above|
|Health checkup||Up to Rs.10,000 (for sum insured Rs.20 lakh and above)|
|Emergency ambulance cover||Up to Rs.2,000 per hospitalisation|
|Emergency air ambulance cover||Up to Rs.2.5 lakh per hospitalisation (only for sum insured Rs.10 lakh and above)|
|E-opinion for critical illness||Available|
|Multiplier benefit||50% additional sum insured per claim-free year subject to a maximum of 100%|
|Coverage for organ donor expenses||Available|
|Critical advantage rider (optional only for sum insured Rs.10 lakh and above)||Worldwide cover at the company’s network centers for 8 major illnesses including cancer|
Some of the exclusions listed under Apollo Munich Optima Restore can be given as follows:
Apollo Munich operates a well-equipped customer service department that could guide you through the claim procedure. It is better to contact the company at least 7 days in case of planned hospitalisation. In case of unexpected emergencies, the insurer must be intimated within 24 hours of hospitalisation.
Cashless treatment: Cashless treatment facility is available with Apollo Munich. For availing this benefit, the company’s customer service can be contacted. The customer care will guide you on the documents to be submitted to obtain the pre authorisation for cashless treatment. Cashless treatment facility is available only in the company’s network hospitals.
Reimbursement claim: For reimbursement claims, the claim form along with the list of documents required must be submitted within 15 days after the completion of treatment. Once the documents are submitted, the company will initiate the claim process and provide the settlement amount within a maximum of 30 days.
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