Apollo Munich Health Insurance Company Limited is a private sector health insurance company in India. It started its journey on 8th August, 2007 as a joint venture between Apollo Hospitals Group and Munich Health which is a leading German insurance provider.
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Apollo Munich Optima Restore – Get the full details
Apollo Munich Optima Restore is a unique health insurance plan which is designed to offer comprehensive cover for the entire family. The plan is very different from other health insurance plans because of features including Restore Benefit and Multiplier Benefit.
Unique Benefits of the plan:
Apollo Munich Optima Restore comes with two useful and unique benefits that make the plan comprehensive and recommendable.
Restore Benefit:Under this plan, the Sum Assured is restored if it is exhausted or used completely and this benefit can be utilized for a future claim for any other illness made during the same policy year. In this way, your Initial Sum Assured can be restored back into the policy without any extra cost.
Multiplier Benefit: This Apollo Munich health insurance comes with another amazing benefit called “Multiplier Benefit”. This benefit comes from claim-free years. If the policyholder does not make any claim in a year, then the policy offers 50% increase in the Basic Sum Assured as “No Claim Bonus”. For two consecutive claim-free years, your Basic Sum Assured would be doubled.
Minimumentry age for Apollo Munich Optima Restore plan is 5 years and maximum age is 65 years. Children of 3 months age are eligible for inclusion under the plan. There is no limit on maximum policy renewal. The policy offers two types of coverage like Individual and Family Floater. Policy Term is either of 1 year or 2 years. You can choose Sum Assured from a range of Rs. 3 lakhs to Rs. 15 lakhs.
Most attractive part of Apollo Munich Optima Restore coverage is its “No Sub-Limit” on room expenses. The policy does not have any scope for co-payment. For Pre-hospitalization, it offers 60 days and for Post-hospitalization, it offers up to 180 days expense. It comes with a Free Look Period of 15 days from the date of receipt of policy. Maximum 30-days grace period is offered to policyholders for policy renewal.
Special Benefits Under This Plan:
There are loads of additional features coming with Apollo Munich Optima Restore. This plan has Lifelong Renewability which means you can renew the cover as many time as you wish during your lifetime and can stay covered. Apollo Munich never offers claim based loading on renewal of premiums. With this health insurance plan, the insured can easily upgrade the cover to next level at the time of renewal. You can avail cashless treatment across 4000+ authorized hospitals in 800+ cities.
Apollo Munich Optima Restore is surely a lucrative health insurance plan for whole of your family with special features like Restore Benefit and Multiplier Benefit. So if you want a single health policy to cover every one in the family, then this is it.
Read out the full story : http://blogs.rediff.com/generalinsurancepb/2016/11/23/apollo-munich-optima-restore-get-the-full-details/