Apollo Munich Optima Super is a super top-up health insurance plan, which enhances total health insurance coverage on cost-sharing basis. Under this plan, the policyholder gets the benefit of high deductible, wherein all the medical bills for the year are considered. In case, sum of all bills is above the threshold limit, one can claim for the amount above the threshold limit.
Optima Super is a cost-effective top up plan to consider, if one is covered under a group health insurance plan as it can be easily converted into a normal health plan during a certain phase of life like retirement.
Main Features of Apollo Munich Optima Super Top Up Insurance
-Minimum Entry Age: 5 years
-Maximum Entry Age: 65 years
– Coverage for a dependent child from the 91st day (if either parent is covered under this policy).
-No medical tests up to the age of 45 years and for sum insured below 15 lakhs
-Pre-existing diseases covered after four continuous renewals
-Option to convert the plan to a full fledged Indemnity Health Insurance plan with no underwriting or medicals is available only at renewal between 55-60 years provided the insured has enrolled under this policy before the age of 50 years and has renewed with the company continuously without a break.
-Amount paid by any mode other than by cash for this insurance is eligible for relief under Section 80 D of the Income Tax Act.
Benefits of Apollo Munich Optima Super Top Up Insurance
–In patient Treatment
Medical expenses for room rent, boarding expenses, nursing, ICU, anesthesia, blood, oxygen, medicines, drugs and consumables, diagnostic procedures etc
–Pre and Post Hospitalization
60 days and 90 days respectively
–Day care procedures as mentioned in policy terms and conditions
Treatment expenses for the organ donor at the time of organ transplant
Expenses incurred if ambulance service is used on the way to hospital for hospitalization (up to Rs. 2000)
–Pre-Existing Diseases / Illness
Covered after 4 years of continuous Insurance without break
–Healthline – Option to ring and reach experts and avail their help in primary consultation, health-related counseling, individual referrals, health information, nutrition and diet. The services on the Healthline are available at no extra cost to the customers.
–Health Risk Assessment – Every Apollo Munich Health Insurance customer has an access to a health risk assessment tool, which helps to profile each member’s health status through their website. Upon assessment, members will be offered personalized wellness recommendations on diet, lifestyle and nutrition regimen.
–Free-Look Period of 15 days from the date of receipt of policy documents if insured is not satisfied with the coverage and terms of the policy.
-30 days waiting period will apply to all claims, except if any insured person suffers an accident
-Two years exclusions for specific diseases
-Expenses arising from HIV or AIDS and related diseases
-Mental disorder or insanity, cosmetic surgery, weight control treatment
-Abuse of intoxicant or hallucinogenic substance like drugs and alcohol
-Hospitalization due to war / acts of war, nuclear, chemical / biological weapon & radiation of any kind
-Pregnancy, dental and external aids and appliances unless covered under specific plans
-Experimental, investigatory or unproven treatment, devices and pharmacological regimens
-Tests and treatment relating to infertility and in vitro fertilization