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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.


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 -


  • 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.