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Apollo Munich Optima Plus

Entry Age (years)  
Minimum 18; 3 months
Maximum 65
Maximum Policy Renewal Age (years) No Limit
Sum Insured (Rs)  
Maximum 5 lakh
Minimum 5 lakh
Policy Term (years) 1 or 2
Tax Benefit Premium paid is eligible for tax benefit under section 80D of the Income Tax Act
Discount Premium discount of 7.5% on advance premium payment for 2 year policy term.
Family discount of 10% is applicable if 3 or more family members included
No Claim Bonus Not Applicable
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
Network Hospitals Http://
Scope of Cover
Cashless facilityAvailable at empanelled hospitals in India.
Pre-post hospitalisationRelevant medical expenses covered from 60 days prior and 90 days post hospitalisation
In-patient TreatmentCovered
Day-Care Procedures140 in number are covered
Domiciliary TreatmentCovered
Expenses for organ donor of transplantCovered
Emergency AmbulanceUp to Rs 2,000 per hospitalisation
Waiver of DeductibleAllowed; Insured person can enjoy a full fledged insurance cover by taking the policy conversion option between 58 to 60 years of age.
Exclusions and Waiting Period
DeductibleInsurance company is liable to pay expense in excess of deductible amount. Deductible shall apply to each and every hospitalisation except claims made for any one illness.
Pre-existing diseasecovered after a waiting period of 48 months
No claim periodAny disease contracted during the first 30 days of commencement of the policy unless the policy is presented for renewal or transfer from some other insurer and that the policy was in force with same or any other insurer without any break in the previous policy year.
Waiting PeriodCertain treatments such as hernia etc. will be covered after 24 months starting from inception of the policy.
General ExclusionsNon allopathic treatment.AIDS or any related illness will not be covered.Treatment of any mental or related disease is also excluded.