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Apollo Munich Optima Restore Health Insurance Policy for Individual & Family
Optima RESTORE, the new health plan from Apollo Munich, restores your entire insurance amount without a charge if you exhaust it in the middle of the year.
Apollo Munich introduces a first of its kind, unique Restore benefit that automatically reinstates the basic sum insured in case you exhaust it in a policy year. Sure it sounds too good to be true but here is how it works: If you use up your coverage in your policy we will restore the entire sum insured at no extra charge. Hence ensuring coverage in case you fall ill with another illness or if any other family member falls ill later during the same insured period.
So, if you have a Rs. 5 lakhs policy and exhaust the entire amount, we will restore Rs. 5 lakhs, which you can use for some other illnesses or for any other member covered under the family floater policy, if needed.
The coverage would be the accumulation of basic Sum Insured and accumulated Multiplier Benefit (if any).
Multiplier Benefit
In case you have a claim-free year it increases your insurance cover by 50% the first year and doubles it the year after, at no extra charge.
Others Benefit
Optima Restore is packed with a bunch of fantastic features that truly uncomplicate healthcare and make it a plan that genuinely cares for you.
Optima Restore Floater benefit
S.No
BENEFIT
COVERAGE
Basic Sum Insured per Policy per Policy Year (Rs. in Lakh)
3.00, 5.00, 10.00, 15.00
1a)
In-patient Treatment
Covered
1b)
Pre-Hospitalization
Covered, upto 60 Days
1c)
Post-Hospitalization
Covered, upto 180 Days
1d)
Day Care Procedures
Covered
1e)
Domiciliary Treatment
Covered
1f)
Organ Donor
Covered
1g)
Emergency Ambulance
Upto Rs.2,000 per Hospitalisation
2)
Restore Benefit
Equal to 100% of Basic Sum Insured, Restore benefit automatically reinstates the basic sum insured in case you exhaust your cover in a policy year. If someone’s illness in your family uses up the basic Sum Insured and accumulated Multiplier Benefit (if any) in a floater policy and if any other family member falls ill later during the same insured period, we will restore the entire amount at no extra charge.
3)
Multiplier Benefit
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.
