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Apollo Munich Optima Plus Plan

What is the Plan all About?

Optima Plus is a top-up health insurance plan that covers higher medical expenses at a nominal premium. You can also convert this health plan to a nil deductible plan. This nil deductible option helps you get rid of all sorts of waiting periods.


Key Features

  • Wide in-patient cover at nominal premiums
  • Flexible Sum Insured & Deductible
  • Waiver of Deductible during 58 to 60 years
  • Cashless hospitalization
  • Get Tax Benefits

Policy Benefits

  • In-patient treatment such as room rent, nursing, surgeon fees, anesthesia, medical practitioner’s charges, medicines, etc. are covered.
  • Pre-hospitalization medical expenses that are incurred prior hospitalization are covered for 60 days.
  • Post-hospitalization medical expenses that are incurred post hospitalization are covered for 90 days.
  • 140 enlisted day care procedures for which insured needs to get hospitalization for less than 24 hours are covered.
  • Organ Donor Expenses when incurred for harvesting of the organ are covered.
  • Domiciliary Hospitalization expenses are covered, when hospitalization exceeds 3 continuous days.

Value Added Benefits

  • Waiver of Deductible benefit for 5 Lacs health insurance policy. Waiver of waiting periods can also be availed under this benefit.
  • Ambulance charges are payable under this policy.
  • Avail cashless service at the network hospital across India.
  • Avail tax benefits u/s 80D as per IT Act, 1961 for premium paid for this plan.

Sub Limits

  • No room rent limit is applicable under the plan.
  • No co-pay is applicable for this plan.
  • Expenses incurred towards Emergency Ambulance are payable up to Rs 2000 per hospitalization.

Waiting Period Clause

  • Initial Waiting Period: A waiting period of 30 days from the inception date for all hospitalization claims except in case of accidents.
  • Specific Waiting Period: Specific illnesses such as Cataract, Ulcer, Arthritis, ENT Disorders, etc are covered after 24 months of policy coverage.
  • Pre existing Disease Waiting Period: Any pre-existing ailment/injury is covered after a continuous policy coverage for 48 months.

Who can Buy the Plan?

Factor Minimum Maximum
Age (as on last birthday) Adult: 18 Years, Children: 91 Days 65 Years
Deductible 1 Lac 5 Lacs
Sum Assured 5 Lacs 5 Lacs
Cover Type Individual/Family Floater -
Policy Tenure 1 Year 2 Years
Grace Period 30 Days -
Free Look Period 15 Days -
Riders - -


  • War, invasion, act of foreign enemy
  • Intentional self injury
  • Treatment of obesity
  • Mental disorders
  • Pregnancy related treatment
  • Dental treatment
  • Cosmetic surgery
  • Non allopathic treatment,etc.