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Apollo Munich Optima Restore

Eligibility  
Entry Age (years)  
Minimum 5; 3 months for children
Maximum 65
Maximum Policy Renewal Age (years) No Limit
Coverage Type Individual/ Family
Sum Insured (Rs)  
Maximum 15 lakh
Minimum 3 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 Bonus of 50% of the Basic Sum Insured for every claim free year, maximum upto 100%. In case of claim, bonus will be reduced by 50% of the basic sum insured However this reduction will not reduce the Sum Insured below the basic Sum Insured of the policy.
Pre Policy Medical Check Up Required at discretion of insurance company; 50% of the expenses incurred will be reimbursed on acceptance of proposal.
Free look Period 15 days from date of receipt of policy
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/ 1800-103-0555
SMS Restore' to 56767 333
Network Hospitals Http://www.apollomunichinsurance.com/our-hospital-network.aspx
Scope of Cover
Cashless facilityAvailable at empanelled hospitals in India.
Re-imbursementIn case policyholder opts for non empaneled hosiptal.
Pre-post hospitalisationRelevant medical expenses covered from 60 days prior and 180 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
Restore BenefitEqual to 100% of Basic Sum Insured, Restore benefit automatically reinstates the basic sum insured in case you exhaust it in a policy year
Exclusions and waiting period
Pre-existing diseasePre-existing Diseases will be covered after a waiting period of 36 months
No claim periodAny disease contracted during the first 30 days of commencement of the policy except for aciidental emergency
Waiting Period24 months for specific illnesses and treatments
General exclusionsNon allopathic treatment.AIDS or any related illness will not be coveredTreatment of any mental or related disease is also excluded.