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Top-Up Plans

APOLLO MUNICH OPTIMA SUPER
PLAN NAME SALIENT FEATURES BROCHURE APPLY
APOLLO MUNICH OPTIMA SUPER
  • Upto 10 Lacs Top Up sum assured at low cost
  • Aggregated deductible limits
brochure
Min Entry Age 5 Years:child above 91 days can be insured if either parent is covered in same policy.
Max Entry Age 65 Years
Max Policy Renewal Age
Policy Term 1/2 Years
Sum Assured Options 5/7/10 Lacs with 1/2/3/4/5/6/7/10 Lac deductible
Premium Payment Options 1/2 Years
In-patient Treatment Covered
Day-Care Procedures Covered
Domiciliary Treatment Covered
Expenses for organ donor Covered
Pre hospitalisation Covered upto 60 days prior to hospitalization date.
Post hospitalisation Covered upto 90 days immediately after discharge from hospital.
Emergency Ambulance Covered upto Rs. 2000/- per hospitalization.
Health Check-up N.A.
Maternity Expenses N.A.
Ayush Benefit Not Available
No Claim Bonus N.A.
Restore Benefit N.A.
Cashless facility Available with network hospital.
Re-imbursement Covered for network and non-network hospitals.
Co-Pay N.A.
Claim Based Loading N.A.
Renewal Premium Discount 7.5% if 2 year premium paid in advance.
Family Premium Discount 10% if two or more members are covered.
Tax Benefit on Investment Tax benefit under section 80 D of Income Tax Act
Riders None
Pre Policy Medical CheckUp Based upon sum insured. Medical Test expenses are 100% refundable on issue of policy.
Pre-existing disease Covered after a waiting period of 4 years.
Waiting Period 2 year waiting period for specific illness.
No claim period 30 days from the date of issue of policy except claims arising due to accidents.
General exclusions Read Policy Wording for details on general exclusions.
Grace Period 30 days
Policy Termination Free look period of 15 days from the date of receipt of policy.
Doctor Consultations (OPD) N.A.
Reimbursement (OPD) N.A.
Annual Health CheckUp (OPD) N.A.
Pros Deductible limits can get aggregated during a polcy period. Can be converted into a regular plan from 6th policy year.
Cons

* Please refer policy wordings for detailed information

chartPremium Chart
policyPolicy Wordings
formApplication Form
APOLLO MUNICH OPTIMA PLUS
PLAN NAME SALIENT FEATURES BROCHURE APPLY
APOLLO MUNICH OPTIMA PLUS
  • 5 Lacs Top Up sum assured at low cost
  • Lifelong renewal
brochure
Min Entry Age 5 yrs: Child above 91 days can be insured if either parent is covered in same policy
Max Entry Age 65 Yrs
Max Policy Renewal Age No Limit
Policy Term 1/2 yrs
Sum Assured Options 5 Lacs with 1/2/3/4/5 Lacs deductible
Premium Payment Options Yearly
In-patient Treatment Covered
Day-Care Procedures 140 day care procedures covered
Domiciliary Treatment Covered
Expenses for organ donor Covered
Pre hospitalisation Covered upto 60 days prior to hospitalisation date
Post hospitalisation Covered upto 90 days immediately after discharge from hospital
Emergency Ambulance Covered upto Rs.2000 per hospitalisation
Health Check-up N.A.
Maternity Expenses N.A.
Ayush Benefit Not Available
No Claim Bonus N.A.
Restore Benefit N.A.
Cashless facility Available with network hospitals
Re-imbursement Available for network and non network hospitals
Co-Pay Not Applicable
Claim Based Loading Not Applicable
Renewal Premium Discount 7.5% discount if policy is taken for 2 years
Family Premium Discount 10% discount if 2 or more persons are insured in same policy
Tax Benefit on Investment Tax Benefit under section 80D of Income Tax Act
Riders None
Pre Policy Medical CheckUp Required above 45 age, Required below Age 45 if any other health insurance is running with Apollo Munich
Pre-existing disease Covered after a waiting period of 48 months from the first policy issue date
Waiting Period 2 year waiting period for specific illnesses
No claim period 30 days from the policy issue date
General exclusions Read policy wording for details on general exclusions
Grace Period 30 days
Policy Termination Free Look period of 15 days from the date of receipt of policy
Doctor Consultations (OPD)
Reimbursement (OPD)
Annual Health CheckUp (OPD)
Pros Additional risk cover at low premium, Option of converting to Full Feature Health Insurance Plan
Cons Deductible amount to be borne by the policyholder in case of claim

* Please refer policy wordings for detailed information

chartPremium Chart
policyPolicy Wordings
formApplication Form
RELIGARE ENHANCE FORM
NAME PROPOSAL FORM PRE AUTHORISATION FORM CLAIM FORM POLICY FORM BROCHURE
RELIGARE ENHANCE FORMS chart chart chart chart brochure
PLAN NAME SALIENT FEATURES BROCHURE APPLY
Religare Enhance
  • Upto 30 Lacs Top Up sum assured at low cost
  • Aggregated deductible limits
brochure
Min Entry Age 1 day
Max Entry Age No age bar
Max Policy Renewal Age Life long renewal
Policy Term 1/2/3 year
Sum Assured Options 1 Lacs to 30 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 Covered upto 30 days prior to hospitalization date.
Post hospitalisation Covered upto 60 days immediately after discharge from hospital.
Emergency Ambulance Covered upto Rs. 2000/- per hospitalization
Health Check-up Yes
Maternity Expenses N. A.
Ayush Benefit Not Available
No Claim Bonus N. A.
Restore Benefit N. A.
Cashless facility Available in network hospitals
Re-imbursement Covered for network and non-network hospitals.
Co-Pay N. A.
Claim Based Loading N.A.
Renewal Premium Discount 7.5% for 2 years & 10% for 3 years, premium paid in advance.
Family Premium Discount No
Tax Benefit on Investment Tax benefit under section 80 D of Income Tax Act
Riders None
Pre Policy Medical CheckUp Based upon sum insured.
Pre-existing disease Covered after a waiting period of 4 years.
Waiting Period 2 year waiting period for specific illness.
No claim period 30 days from the date of issue of policy except claims arising due to accidents.
General exclusions Read Policy Wording for details on general exclusions.
Grace Period 30 days
Policy Termination Free look period of 15 days from the date of receipt of policy.
Doctor Consultations (OPD) -
Reimbursement (OPD) -
Annual Health CheckUp (OPD) -
Pros Deductible limits can get aggregated during a polcy period. Can be converted into a regular plan from 6th policy year.
Cons

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