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Apollo Munich Optima Senior

Maximum Policy Renewal Age (years) Lifelong renewal
Coverage Type Individual
Sum Insured (Rs)  
Maximum 5 lakh
Minimum 2 lakh
Policy Term (years) 1/2
Discount 5% on renewal for each claim free year.
5% if spouse also buys this policy.
7.5% on selecting a 2 year policy term
Pre Policy Medical Check Up Required (insurer would reimburse 50% of cost on acceptance of insurance proposal)
Grace Period for Policy Renewal 30 days
Co Payment Clause 15% on accomodation in a twin sharin room or lower room type.
30% on accomodation in a single room or higher room type (15% in case of an emergency).
30% on specific illnesses such as cataract(each eye), hysterectomy, joint replacement etc.
15% to all day care procedures
Policy Termination Policyholder is allowed to cancel the policy at anytime by providing a notice. Insurer may also terminate the policy by giving a 30 days notice
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 1800-103-0555
SMS HEALTH to 56767333
Network Hospitals Http://
Scope of Cover
Cashless facilityavailable at network hospitals
Reimbursement facilityavailable if treatment taken in non-network hospitals
Pre and post hospitalisationcovered upto 30 days prior and 60 days post hospitalisation
Inpatient treatmentcovered
Day care procedurescovers 140 listed day care treatment
Domiciliary treatmentcovered only if treatment exceeds 3 days
Organ donorcovers medical treatment of organ donor
Emergency ambulancepays upto Rs 2000 for each hospitalisation in case of an emergency
Second Opinionallows to obtain an opinion from medical panel for listed critical illnesses once a policy year
Exclusions and Waiting period
Pre-existing diseasescovered after 3 years of continuous policy renewal
No claim period30 days from policy start date
Waiting period2 years for specified illnesses like hernia, sinusitis, cataract, joint knee replacement etc.
Other exclusionsNon allopathic treatmentsHIV/AIDS and related conditions