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| Top Up Health Insurance Policies from Companies in India |
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| 3- Apollo Munich Optima Plus Top Up Health Insurance Policy |
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10th Floor, Building No. 10, Tower B, DLF City Phase II, DLF Cyber City, Gurgaon-122002 |
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| Terms of Renewal |
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- We offer renewal unless the Insured Person or any one acting on behalf of an Insured Person has acted in an improper, dishonest or fraudulent manner or any misrepresentation under or in relation to this Policy or the Policy poses a moral hazard.
- Grace Period - Grace Period of 15 days for renewing the Policy is provided under this Policy.
- Maximum Age - No maximum cover ceasing Age under this Policy.
- Waiting Period - The waiting periods mentioned in the Policy wording will get reduced by 1 year on every continuous renewal of your Optima Plus Policy.
- Renewal Premium - Renewal premium are subject to change with prior approval from IRDA.
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| Claim Procedure |
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| All claims under this Policy will be processed and settled in-house directly by Claims Department, Apollo Munich Health Insurance Company Limited. Intimation & Assistance - Incase of any Hospitalisation or an event which might give rise to a claim, We request You to contact Us, contact details are available on Our website and will be provided in Your Optima Plus Policy kit. |
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| Loadings |
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- We may apply a risk loading on the premium payable (based upon the declarations made in the proposal form and the health status of the persons proposed for insurance). The maximum risk loading applicable for an individual shall not exceed above 100% per diagnosis / medical condition and an overall risk loading of over 150% per person. These loadings are applied from Commencement Date of the Policy including subsequent renewal(s) with Us or on the receipt of the request of increase in Sum Insured (for the increased Sum Insured).
- We will inform You about the applicable risk loading through a counter offer letter. You need to revert to Us with consent and additional premium (if any), within 15 days of the issuance of such counter offer letter. In case, You neither accept the counter offer nor revert to Us within 15 days, We shall cancel Your application and refund the premium paid within next 7 days.
- Please note that We will issue Policy only after getting Your consent.
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| Procedure to avail cashless facility |
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- For any emergency Hospitalisation, We must be informed no later than 24 hours after Hospitalization.
- For any planned Hospitalization, kindly seek cashless authorization from Us atleast 48 hours prior to the Hospitalization.
- We will check Your coverage as per the eligibility and send an authorization letter to the provider. In case there is any deficiencyin the documents sent, the same shall be communicated to the Hospital within 6 hours of receipt of documents.
- Please pay the non-medical and expenses not covered to the Hospital prior to the discharge.
- In case the ailment /treatment is not covered under the Policy a rejection letter would be sent to the provider within 6 hours.
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