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Family Floater

APOLLO MUNICH OPTIMA RESTORE
PLAN NAME SLLIENT FEATURES BROCHURE APPLY
APOLLO MUNICH OPTIMA RESTORE
  • 50% No Claim Bonus for two claim free years
  • 100% Sum Assured Restoration
brochure
Min Entry Age 91 days. Children between 91 days and 5 years can be insured if both parents are getting insured in this policy
Max Entry Age 65 years
Max Policy Renewal Age No Limit
Policy Term 1 or 2 years
Sum Assured Options 3/5/10/15/20/25/50 Lacs
Premium Payment Options 1 or 2 years
In-patient Treatment Covered
Day-Care Procedures All day care procedures covered
Domiciliary Treatment Covered
Expenses for organ donor Covered
Pre hospitalisation Relevant medical expenses covered for 60 days prior hospitalisation
Post hospitalisation medical expenses covered for 180 days immediately after discharge from hospital
Emergency Ambulance Up to Rs 2,000 per hospitalisation
Health Check-up Upto 1% of sum insured for Rs. 20/25/50 Lacs. Subject to maximum of Rs. 10,000/- per policy, once at the end of block of every continous two policy yeras.
Maternity Expenses Not covered
Ayush Benefit Not covered
No Claim Bonus 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.
Restore Benefit Equal to 100% of Basic Sum Insured, Restore benefit automatically reinstates the basic sum insured in case you exhaust it in a policy year
Cashless facility Available at empanelled hospitals in India.
Re-imbursement In case policyholder opts for non empanelled hosiptal.
Co-Pay Not Applicable
Claim Based Loading No Claim based loading on renewal premium
Renewal Premium Discount Premium discount of 7.5% on advance premium payment for 2 year policy term
Family Premium Discount Not Applicable
Tax Benefit on Investment Premium paid is eligible for tax benefit under section 80D of the Income Tax Act
Riders None
Pre Policy Medical CheckUp Mandatory above age 45, May be required at discretion of insurance company; 50% of the expenses incurred will be reimbursed on acceptance of proposal
Pre-existing disease Pre-existing Diseases will be covered after a waiting period of 36 months
Waiting Period 24 months for specific illnesses and treatments
No claim period Any disease contracted during the first 30 days of commencement of the policy except for aciidental emergency
General exclusions Non allopathic treatment.AIDS or any related illness will not be covered. Treatment of any mental or related disease is also excluded.
Grace Period 30 days grace period is allowed to policyholder for payment of premium at the insurers discretion.
Policy Termination Insurance company may terminate the policy by giving a written notice of 30 days. Policyholder is allowed to terminate the policy at anytime by giving a written notice. In case no claim has been made under the policy, percentage of premium will be refunded
Doctor Consultations (OPD)
Reimbursement (OPD)
Annual Health CheckUp (OPD)
Pros Sum Assured restoration, 50% No Claim Bonus, Lifelong Renewal, No Sub Limits, No claim based loading on premium
Cons Sum Assured restored only once in a policy year, No critical Illness rider

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APOLLO MUNICH MAXIMA
PLAN NAME SLLIENT FEATURES BROCHURE APPLY
APOLLO MUNICH MAXIMA
  • Pre-existing diseases covered for OPD Expenses
  • In Patient coverage of Rs.3 Lacs
brochure
Min Entry Age 91 days
Max Entry Age 65 years
Max Policy Renewal Age No Limit, 70 yrs for Critical Illness Rider
Policy Term 1 Year
Sum Assured Options 3 Lacs
Premium Payment Options Yearly
In-patient Treatment Covered upto Rs. 3 Lacs
Day-Care Procedures 140 day care procedures covered
Domiciliary Treatment Covered
Expenses for organ donor Covered
Pre hospitalisation 30 days coverage prior to date of hospitalisation
Post hospitalisation 60 days coverage immediately after date of discharge from hospital
Emergency Ambulance Coverage of Rs. 2000 per hospitalisation
Health Check-up Covered in Network Hospitals
Maternity Expenses Covered with waiting period of 4 years
Ayush Benefit Not Covered
No Claim Bonus 10% No Claim Bonus on In Patient Benefit for every claim free year, max. upto 50%
Restore Benefit Not Applicable
Cashless facility Available in network hospitals
Re-imbursement Available for network and non network hospitals
Co-Pay Not Applicable
Claim Based Loading Not Applicable
Renewal Premium Discount Not Applicable
Family Premium Discount Not Applicable
Tax Benefit on Investment Available under section 80D of Income Tax Act
Riders Critical Illness(Optional)
Pre Policy Medical CheckUp Required at age 46 and above
Pre-existing disease covered after 3 continuos policy years
Waiting Period No waiting period for OPD benefits, 2 year exclusion for specific diseases like stone, hernia, cataract etc.
No claim period First 30 days except for accidental injury
General exclusions No exclusions for OPD benefits, HIV/AIDS, Non Allopathic treatment, Abuse of drugs/intoxication
Grace Period 30 days
Policy Termination 15 days free look period from the date of receiving of policy document
Doctor Consultations (OPD) 6/8 consultations for 2/4 member policy
Reimbursement (OPD) Rs.5500/7000 for 2/4 member policy per year
Annual Health CheckUp (OPD) 2 entitlements each year for 2/4 member policy
Pros Covers OPD Expenses & In Patient Expenses. Medicines and Consultation for Pre-existing diseases covered without any waiting period
Cons In Patient coverage limited to Rs. 3 Lacs

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policyPolicy Wordings
formApplication Form
APOLLO MUNICH EASY HEALTH-STANDARD
PLAN NAME SLLIENT FEATURES BROCHURE APPLY
APOLLO MUNICH EASY HEALTH-STANDARD
  • 10% No Claim Bonus for each claim free year
  • No Sub limits on room rent etc.
brochure
Min Entry Age 5 years, 91 days if either parent is covered
Max Entry Age 65 years
Max Policy Renewal Age No Limit
Policy Term 1 or 2 years
Sum Assured Options 2/3/4/5 Lacs
Premium Payment Options 1 or 2 years
In-patient Treatment Covered
Day-Care Procedures 144 day care procedures are covered which do not require 24 hr hospitalisation
Domiciliary Treatment Covered
Expenses for organ donor Covered
Pre hospitalisation Medical expenses incurred due to illness during the 60 days immediately before hospitalisation
Post hospitalisation Medical expenses incurred during the 90 days immediately after discharge from hospital
Emergency Ambulance Up to Rs 2,000 per hospitalisation
Health Check-up Upto 1% of Sum Insured per policy, only once at the end of a block of every continuous 4 years
Maternity Expenses Not Covered
Ayush Benefit Covered upto Rs.20,000
No Claim Bonus 10% increase in your annual inpatient benefit sum insured for every claim free year , maximum upto 100%, In case a claim is made during a policy year, the cumulative bonus would reduce by 10% in the following year
Restore Benefit Not Available
Cashless facility Available at empanelled hospitals in India
Re-imbursement In case policyholder opts for non empanelled hospital , expenses are re-imbursed within 14 working days from date of submission of all records
Co-Pay Not Applicable
Claim Based Loading No claim based loading
Renewal Premium Discount Renewal discount of 7.5% on advance premium payment for 2 year policy term
Family Premium Discount Not Applicable
Tax Benefit on Investment Tax Benefit under section 80D of Income Tax Act
Riders Critical Illness Rider(Optional)
Pre Policy Medical CheckUp Mandatory for individuals above 45 age
Pre-existing disease Any pre-existing condition will be covered after a waiting period of 3 years
Waiting Period 2 years waiting period for specific diseases like cataract, hernia, joint replacement.Expenses for Domiciliary treatment will be covered only if the illness continues for atleast 3 days consecutive days.
No claim period All treatments within the first 30 days of cover except any accidental injury
General exclusions AIDS or any related illness will not be covered.Treatment of any mental or related disease.
Grace Period 15 days grace period is allowed to policyholder for payment of premium at the insurers discretion.
Policy Termination Policyholder is allowed to terminate the policy at anytime by giving a 15 day written notice. In case no claim has been made under the policy, prorata percentage of premium will be refunded
Doctor Consultations (OPD)
Reimbursement (OPD)
Annual Health CheckUp (OPD)
Pros No Sublimits, Lifelong renewal, 10% No Claim Bonus for each claim free year
Cons Sum assured starts from 2 Lacs onwards

chartPremium Chart
policyPolicy Wordings
formApplication Form
APOLLO MUNICH EASY HEALTH-PREMIUM
PLAN NAME SALIENT FEATURES BROCHURE APPLY
APOLLO MUNICH OPTIMA RESTORE
  • 50% No Claim Bonus for two claim free years
  • 100% Sum Assured Restoration
brochure
Min Entry Age 5 years, 91 days if either parent is covered
Max Entry Age 65 years
Max Policy Renewal Age No Limit
Policy Term 1 or 2 years
Sum Assured Options 4/5/7.5/10 Lacs, max upto 50 Lacs
Premium Payment Options Yearly
In-patient Treatment Covered
Day-Care Procedures 144 day care procedures are covered which do not require 24 hr hospitalisation
Domiciliary Treatment Covered
Expenses for organ donor Covered
Pre hospitalisation Medical expenses incurred due to illness during the 60 days immediately before hospitalisation
Post hospitalisation Medical expenses incurred during the 90 days immediately after discharge from hospital
Emergency Ambulance Up to Rs 2,000 per hospitalisation
Health Check-up Upto 1% of Sum Insured per policy subject to maximum of Rs.5000/- per Insured Person, only once at the end of a block of every continuous 2 years
Maternity Expenses After waiting period of 4 years, Normal Delivery Rs.15,000/-, Caesarean Rs. 25,000/- for sum assured 4/5 Lacs, Normal Delivery Rs.25,000/-, Caesarean Rs. 40,000/- for sum assured 7.5/10 Lacs
Ayush Benefit Upto Rs.25,000
No Claim Bonus 10% increase in your annual inpatient benefit sum insured for every claim free year, subject to a maximum of 100%. In case a claim is made during a policy year, the cumulative bonus would reduce by 10% in the following year
Restore Benefit Not Available
Cashless facility Available at empanelled hospitals in India
Re-imbursement In case policyholder opts for non empanelled hospital , expenses are re-imbursed within 14 working days from date of submission of all records
Co-Pay Not Applicable
Claim Based Loading No claim based loading
Renewal Premium Discount Renewal discount of 7.5% on advance premium payment for 2 year policy term
Family Premium Discount Not Applicable
Tax Benefit on Investment Tax Benefit under section 80D of Income Tax Act
Riders Optional Critical Illness cover
Pre Policy Medical CheckUp Mandatory for individuals above 45 age
Pre-existing disease Any pre-existing condition will be covered after a waiting period of 3 years
Waiting Period 2 years waiting period for specific diseases like cataract, hernia, joint replacement.Expenses for Domiciliary treatment will be covered only if the illness continues for atleast 3 days consecutive days.
No claim period All treatments within the first 30 days of cover except any accidental injury
General exclusions AIDS or any related illness will not be covered.Treatment of any mental or related disease.
Grace Period 15 days grace period is allowed to policyholder for payment of premium at the insurers discretion.
Policy Termination Policyholder is allowed to terminate the policy at anytime by giving a 15 day written notice. In case no claim has been made under the policy, prorata percentage of premium will be refunded
Doctor Consultations (OPD)
Reimbursement (OPD)
Annual Health CheckUp (OPD)
Pros No Sublimits, Lifelong renewal, 10% No Claim Bonus for each claim free year
Cons Sum Assured restoration not available

chartPremium Chart
policyPolicy Wordings
formApplication Form
APOLLO MUNICH EASY HEALTH-EXCLUSIVE
PLAN NAME SALIENT FEATURES BROCHURE APPLY
APOLLO MUNICH EASY HEALTH-EXCLUSIVE
  • 10% No Claim Bonus for each claim free year
  • Covers Parents and In-Laws
brochure
Min Entry Age 5 years, 91 days if either parent is covered
Max Entry Age 65 years
Max Policy Renewal Age No Limit
Policy Term 1 or 2 years
Sum Assured Options 3/4/5/7.5 Lacs, max upto 50 Lacs
Premium Payment Options Yearly
In-patient Treatment Covered
Day-Care Procedures 144 day care procedures are covered which do not require 24 hr hospitalisation
Domiciliary Treatment Covered
Expenses for organ donor Covered
Pre hospitalisation Medical expenses incurred due to illness during the 60 days immediately before hospitalisation
Post hospitalisation Medical expenses incurred during the 90 days immediately after discharge from hospital
Emergency Ambulance Up to Rs 2,000 per hospitalisation
Health Check-up Upto 1% of Sum Insured per policy subject to a Maximum of Rs. 5,000 per insured person, only once at the end of a block of every continuous 3 years
Maternity Expenses After waiting period of 4 years, Normal Delivery Rs.15,000/-, Caesarean Rs. 25,000/- for sum assured 3/4/5 Lacs, Normal Delivery Rs.25,000/-, Caesarean Rs. 40,000/- for sum assured 7.5 Lacs
Ayush Benefit Upto Rs.25,000
No Claim Bonus 10% increase in your annual inpatient benefit sum insured for every claim free year, subject to a maximum of 100%. In case a claim is made during a policy year, the cumulative bonus would reduce by 10% in the following year
Restore Benefit Not Available
Cashless facility Available at empanelled hospitals in India
Re-imbursement In case policyholder opts for non empanelled hospital , expenses are re-imbursed within 14 working days from date of submission of all records
Co-Pay Not Applicable
Claim Based Loading No claim based loading
Renewal Premium Discount Renewal discount of 7.5% on advance premium payment for 2 year policy term
Family Premium Discount Not Applicable
Tax Benefit on Investment Tax Benefit under section 80D of Income Tax Act
Riders Optional Critical Illness cover
Pre Policy Medical CheckUp Mandatory for individuals above 45 age
Pre-existing disease Any pre-existing condition will be covered after a waiting period of 3 years
Waiting Period 2 years waiting period for specific diseases like cataract, hernia, joint replacement.Expenses for Domiciliary treatment will be covered only if the illness continues for atleast 3 days consecutive days.
No claim period All treatments within the first 30 days of cover except any accidental injury
General exclusions AIDS or any related illness will not be covered.Treatment of any mental or related disease.
Grace Period 15 days grace period is allowed to policyholder for payment of premium at the insurers discretion.
Policy Termination Policyholder is allowed to terminate the policy at anytime by giving a 15 day written notice. In case no claim has been made under the policy, prorata percentage of premium will be refunded
Doctor Consultations (OPD)
Reimbursement (OPD)
Annual Health CheckUp (OPD)
Pros No Sublimits, Lifelong renewal, 10% No Claim Bonus for each claim free year
Cons minimum coverage 3 Lacs

chartPremium Chart
policyPolicy Wordings
formApplication Form
RELIGARE CARE NCB SUPER
NAME PROPOSAL FORM PRE AUTHORISATION FORM CLAIM FORM POLICY FORM BROCHURE
RELIGARE CARE NSB SUPER chart chart chart chart brochure
PLAN NAME SALIENT FEATURES BROCHURE APPLY
Religare Care NCB Super
  • 60% No Claim Bonus for two claim free years & 10% NCB for 3 years.
  • Sum Assured Restoration
brochure
Min Entry Age 91 days. Children between 91 days and 5 years can be insured if both parents are getting insured in this policy
Max Entry Age No age Limit
Max Policy Renewal Age Life long renewal
Policy Term 1, 2 & 3 years
Sum Assured Options 4/5/7/10/15/20/25/50 Lacs
Premium Payment Options 1, 2 & 3 years
In-patient Treatment Covered
Day-Care Procedures Covered
Domiciliary Treatment Covered
Expenses for organ donor Covered
Pre hospitalisation Relevant medical expenses covered for 30 days prior hospitalization
Post hospitalisation medical expenses covered for 60 days immediately after discharge from hospital
Emergency Ambulance Up to Rs.2,000 per hospitalization
Health Check-up Yes, Every Year
Maternity Expenses Not covered
Ayush Benefit Not covered
No Claim Bonus Bonus of 60% of the Basic Sum Insured for first 2 claim free years & 10% for next 3 claim free years, maximum upto 150% of basic Sum assured.
Recharge Benefit Equal to 100% of Basic Sum Insured, Recharge benefit automatically reinstates the basic sum insured in case you exhaust it in a policy year
Cashless facility Available at empaneled hospitals in India.
Re-imbursement In case policyholder opts for non-empaneled hospital
Co-Pay Not Applicable if the customer enters in the plan before the age of 61 Years.
No Claim based loading on renewal premium No Claim based loading on renewal premium
Renewal Premium Discount Premium discount of 7.5% on advance premium payment for 2 years policy term& 10% for 3 years terms.
Family Premium Discount Not Applicable
Tax Benefit on Investment Premium paid is eligible for tax benefit under section 80D of the Income Tax Act
Riders None
Pre Policy Medical CheckUp Mandatory above age 45, May be required at discretion of insurance company; Medical expenses are borne by the company if proposal is accepted.
Pre-existing disease Pre-existing Diseases will be covered after a waiting period of 48 months
Waiting Period 24 months for specific illnesses and treatments
No claim period Any disease contracted during the first 30 days of commencement of the policy except for accidental emergency
General exclusions Non allopathic treatment. AIDS or any related illness will not be covered. Treatment of any mental or related disease is also excluded.
Grace Period 30 days grace period is allowed to policyholder for payment of premium at the insurers discretion.
Policy Termination Insurance company may terminate the policy by giving a written notice of 30 days. Policyholder is allowed to terminate the policy at anytime by giving a written notice. In case no claim has been made under the policy, percentage of premium will be refunded
Doctor Consultations (OPD) -
Reimbursement (OPD) -
Annual Health CheckUp (OPD) Yes
Pros Sum Assured restoration, 150% No Claim Bonus, Lifelong Renewal, No Sub Limits, No claim based loading on premium
Cons Sum Assured restored only once in a policy year, No critical Illness rider

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