Apollo Munich Optima Restore plan is described as a comprehensive online health insurance plan that caters elaborate coverage for the whole family. This policy is acquired for spouse or self or dependent parents or dependent children.
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Apollo Munich Optima Restore plan is described as a comprehensive online health insurance plan that caters elaborate coverage for the whole family. This policy is acquired for spouse or self or dependent parents or dependent children. Under this policy, it includes coverage for all types of hospitalization expenses along with the advantages of restoring the Basic Sum, provided that it is utilized for claim. Along with this the policy covers 100% of Basic Sum Assured which is charged as No Claim Bonus that is payable via the plan.
What are the Features of the Apollo Munich Optima Plan
• Apollo Munich Optima Restore Policy comes with restoration of the Sum Assured during mid-year without any additional cost
• It should be noted that the policy does not include any claim bonus that increases the insurance coverage by up to 50% for a period of claim free yea. Along with this, 100% for the continuous claim free year.
• Apollo Munich Optima Plan includes lifelong renewal to help you stay insured forever.
• Under the Apollo Munich Optima Plan, it includes lifelong renewal to help you stay insured forever.
• Under this policy, no co-pay or sub-limits charged on hospital room rent is included.
• There is no loading on renewal premiums in case a claim is made.
• The first most unique benefit is Restore benefit. Under the Apollo Munich Optima Restore plan, the total Sum Assured is adequately restored and it can be used for an excellent future claim for different kind of illness claim, provided it is made in the same year policy. This means if the initial Sum Assured ends, then the entire amount of the policy is properly restored back in the plan excluding any extra cost.
• Under this policy, there is another unique benefit which is the Multiplier benefit. As per this unique benefit is offered for a claim free year. Then, in that case the cover enhances to Rs. 7.5 lakhs in the 2nd year that increases to Rs. 10 lakhs in the third year. This goes on for another continuous claim free year, and the premium is decided for a premium of Rs. 5 lakhs of the first Basic Sum Assured.