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Apollo Munich Optima Cash Platinum Plan

Eligibility  
Entry Age (years)  
Minimum 5; 3 months for children
Maximum 65
Maximum Policy Renewal Age (years) 66 for 1 year policy term and 67 years for 2 years policy term
Coverage Type Individual
Sum Insured (Rs)  
Maximum Daily Cash Benefit of Rs 3000
Minimum Daily Cash Benefit of Rs 1000
Policy Term (years) 1 or 2 years
Tax Benefit Tax benefit under Section 80D is available
Discount Family discount of 10% is applicable if 2 or more family members included.
5% discount for online purchase.
10% discount for taking 2 years policy
Pre Policy Medical Check Up Not required
Grace Period for Policy Renewal 30 days grace period is allowed to policyholder for payment of premium at the insurers discretion.
Policy Termination Insurance company may terminate the policy by giving a written notice of 30 days. Policyholder is allowed to terminate the policy at anytime by giving a written notice. In case no claim has been made under the policy, percentage of premium will be refunded
Customer Service  
Address Apollo Munich Health Insurance Company Limited
Corporate Office: 10th floor, Tower B, Building No. 10, DLF Cyber City, Phase -II, Gurgaon, Haryana-122002
Registered Office: Apollo Hospital Complex, Jubilee Hills, Hyderabad - 500033
Mail to [email protected]
Call to 1800-102-0333
SMS CASH to 56767333
Network Hospitals Http://www.apollomunichinsurance.com/our-hospital-network.aspx
Scope of Cover
Sickness Hospital Cash and ICU Cash(a) Daily Cash Amount for each continuous and completed 24 hours hospitalisation upto maximum of 90 days per policy year. (b) Twice the Daily Sickness Cash amount for each continuous and completed period of 24 hours stay in ICU upto a maximum of 15 days per policy year.
Accident Hospital Cash and Accident ICU Cash(a) Daily Cash Amount for each continuous and completed 24 hours hospitalisation upto maximum of 90 days per policy year. (b) Twice the Accident Daily Cash amount for each continuous and completed period of 24 hours stay in ICU upto a maximum of 15 days per policy year.
Day Care Procedure Cash10 Day Care Procedures covered; 50% of Sickness Daily Cash Amount for maximum upto 6 Day Care Procedures per policy year
Joint Hospitalisation (2 or more insured persons) due to an AccidentTwice the Accident Daily Cash Amount in addition to Accident Daily Cash benefit; upto maximum of 10 days per Policy Year
Convalescence CashLumpsum Amount on continuous hospitalisation beyond 7 days; Payable once per policy year
Child BirthApplicable after a waiting period of 2 years; Lumpsum amount twice the Daily Cash Amount; maximum upto 2 times during the life time of the insured female.
Parent AccommodationDaily Cash amount for parentu0092s accommodation if the Insured child is aged 12 years or less and is hospitalized for more than 72 hours; Maximum upto 30 days per policy year
Exclusions and Waiting Period
Pre Existing DiseasesNot Covered
Waiting periodAny disease contracted during the first 30 days of commencement of the policy except for accidental emergency.For specific diseases such as cataract, sinus etc. cover starts after two years.Child birth benefit is covered after a waiting period of two years.
General ExclusionsNon allopathic treatmentAny psychiatric or mental disorders.AIDS or any other related conditions.