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Apollo Munich Optima Super Plan

What is the Plan all About?

Optima Super is an aggregate top-up plan that covers your medical spends beyond the sum insured of your existing health plan. This health plan helps you enhance the sum insured at a nominal premium. You don’t have to cross the deductible limit to cover expenses, it pays on an aggregate basis during a policy period for multiple hospitalizations. This health plan can be converted to a nil deductible plan at retirement or at 6th policy anniversary.

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Key Features

  • Cover high medical spends
  • Single cover for the entire family
  • Option to choose sum insured & deductible
  • Grab Premium Discounts
  • Lifetime renewability
  • Avail Tax benefits

Policy Benefits

  • In-patient treatment such as room rent/boarding, blood, oxygen, operation theater charges, drugs, consumables, diagnostic procedures, etc. are covered.
  • Pre-hospitalization expenses incurred prior before hospitalization are covered for 60 days.
  • Post-hospitalization expenses incurred post discharge from hospital are covered for 90 days.
  • 144 enlisted day care procedures that requires the insured to get hospitalization for less than 24 hours are also covered.
  • Organ donor expenses incurred towards harvesting of the organ are covered.

Value Added Benefits

  • Ambulance services are covered up to the limits mentioned.
  • Sum Insured Enhancement can be availed at the time of renewal, if no claim has been lodged/paid under the policy.
  • Healthline service helps you gain access to experts for health related counseling, health information, and diet.
  • Get Health Risk Assessment tool to assess your health status.
  • No underwriting/health check-up is required when 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 this plan.
  • No co-pay is applicable under this plan.
  • Ambulance charges 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, 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 -

Exclusions

  • War or similar situations
  • Self inflicted injury
  • Participation in dangerous sports/activities
  • Cosmetic and aesthetic treatment
  • Non allopathic treatment
  • Pregnancy related expenses
  • Experimental/Unproven treatment
  • Cost of spectacles & hearing aids,etc.