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Apollo Munich Optima Super Family Plan

What is the Plan all About?

Optima Super is an aggregate top-up health plan that offers you the flexibility to choose from the varied sum insured & deductible options. This health plan helps you get the optimum coverage depending on your healthcare needs. At your retirement (or at 6th policy anniversary), you have the option to convert it to a regular plan with no deductible. This health plan is best suited for low sum insured policies and to individuals with group cover.


Key Features

  • High health cover at a nominal premium
  • Get huge discounts upon buying the policy
  • Flexible sum insured & deductible
  • Waiver of Deductible option
  • Lifelong Renewability
  • Get Tax Benefits

Policy Benefits

  • In-patient treatment such as room rent, boarding, nursing, medical practitioner’s charges, surgical appliances, diagnostic procedures, etc. are covered.
  • Pre-hospitalization expenses when incurred before hospitalization are covered up to 60 days.
  • Post-hospitalization expenses when incurred after hospitalization are covered up to 90 days.
  • 144 listed day care procedures for which insured gets hospitalized for less than 24 hours are covered.
  • Organ donor expenses incurred for harvesting the organ are covered.

Value Added Benefits

  • Ambulance services are payable as mentioned in the policy benefits.
  • Option to enhance the Sum Insured can be availed at the policy renewal, provided no claim has been lodged/paid.
  • Healthline service helps you get access to experts to get consultation for any health related query.
  • Health Risk Assessment tool to analyze your health status.
  • No underwriting/health check-up is required for opting Waiver of Deductible benefit.
  • 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.
  • Ambulance charges are covered 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, Sinusitis, Tonsillitis, 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 Adult: 65 Years, Children: 21 Years
Deductible 1 Lac 10 Lacs
Sum Assured 5 Lacs 10 Lacs
Cover Type Individual/Family Floater -
Policy Tenure 1 Year 2 Years
Grace Period 30 Days -
Free Look Period 15 Days -
Riders Nil -


  • War, act of war, invasion, act of foreign enemy
  • Breach of law
  • Participation in dangerous acts
  • Cosmetic treatment
  • Out-patient treatment
  • Items of personal comfort/convenience
  • Treatment taken outside India,etc.