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Apollo Munich Optima Senior Plan

What is the Plan all About?

Optima Senior is a comprehensive health insurance plan specifically designed for the category of senior citizens. This  plan offers plethora of health insurance benefits to save you from the hospital health care bills.

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What are the Key Features?

  • Comprehensive Senior Citizen Plan
  • No Maximum Entry Age
  • Option to include your spouse on Individual Sum Insured basis
  • Avail 5% Family Discount
  • Option between a policy term of 1 or 2 years
  • Free E-opionion for Critical Illness available

What are the Plan Benefits?

Policy Benefits

    • The plan covers in patient hospitalization expenses for more than 24 hours.
    • Pre & Post Hospitalization expenses 30 days prior and 60 days post hospitalization are covered.
    • 140 Day Care Procedures are covered.
    • Organ Donor Treatment expenses are covered during Organ Transplant.
    • Domiciliary Treatment expenses are covered under this plan.
    • Emergency Ambulance Service expenses covered subject to limits.

Value Added Benefits

    • Get 5% family discount on including spouse under the policy.
    • Avail 7.5% discount on premium for opting 2 years policy term.
    • Get 100% Lifelong Renewability.
    • Enjoy Cashless Access to 4500 Network Hospitals.
    • Free of cost E opinion for critical illnessis available.
    • Avail a Cumulative Bonus (CB) of 5% for every claim-free policy year provided policy is renewed with us without a break.
    • Sum Insured can be enhanced only at the time of renewal subject to no claim have been lodged/ paid under the policy.
    • Tax Benefits under section 80 D on Premium is applicable.
    • Customer Friendly Portability benefits available.
    • Free Online Health Assessment Tool.

Sub Limits

    • 15% will apply in case of accommodation in a twin sharing room or lower room type and 30% will apply in case of accommodation in a single room or higher room type.
    • Co-payment of 30% applicable on specified illness/surgeries like Cataract (each eye), Hysterectomy, Arthoscopy etc. No additional co-pay will apply, for this condition.
    • Co-payment of 15% shall be applicable to all Day Care Procedures; no additional co-pay’s shall apply.
    • Emergency Ambulance charges covered upto Rs 2,000 per hospitalization.

Waiting Period Clause

    • Initial waiting period: 30 days for all illnesses (not applicable on renewal or for accidents)
    • Specific waiting periods: 24 months waiting period for specified diseases and conditions.
    • Pre-existing diseases: Covered after 3 years.

Product Snapshot

Factor Minimum Maximum
Age (as on last birthday) 61 Years No Maximum Age
Sum Assured 2/3 Lacs 5 Lacs
Cover Type Individual/Family -
Policy Tenure 1 Year 1 Year
Grace Period 30 Days From The Date Of Expiry -
Freelook Period 15 Days -
Riders Nil -
Plan Type Online -

Exclusions

  • Expenses arising from HIV or AIDS and related diseases.
  • Non-allopathic treatments, congenital diseases, mental disorder or insanity, cosmetic surgery and weight control treatments.
  • Abuse of intoxicant or hallucinogenic substances like intoxicating drugs and alcohol.
  • Hospitalisation due to war or an act of war or due to a nuclear, chemical or biological weapon and radiation of any kind.
  • Pregnancy, dental treatment, external aids and appliances,etc.