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Products
Plan Name Salient Features Brochure APPLY
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37
APOLLO MUNICH OPTIMA PLUS
  • 5 Lacs Top Up sum assured at low cost
  • Lifelong renewal
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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
Brochure Premium Chart Policy Wording Application Form Contact Us
Download Brochure Premium Chart Policy Wordings Application Form Contact Us
 
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61
APOLLO MUNICH OPTIMA SUPER
  • Upto 10 Lacs Top Up sum assured at low cost
  • Aggregated deductible limits
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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
Brochure Premium Chart Policy Wording Application Form Contact Us
Download Brochure Premium Chart Policy Wordings Application Form Contact Us
 
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10
STAR HEALTH SUPER SURPLUS (GOLD) FLOATER
  • Upto 25 Lacs Top Up sum assured at low cost
  • Aggregated deductible limits
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Min Entry Age 18 Yrs
Max Entry Age 65 Yrs
Max Policy Renewal Age No limit
Policy Term 1 Year
Sum Assured Options 5/7/10/15/20/25 Lacs with 3/5/10 Lac deductible
Premium Payment Options Yearly
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 Upto Rs.1500/- per policy year. Air Ambulance cover upto 10% of sum insured of 7 Lac and above.
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 for treatments at network hospitals.
Re-imbursement Covered for network and non-network hospitals.
Co-Pay 10% co-payment for entry above 60 years of age.
Claim Based Loading
Renewal Premium Discount N.A.
Family Premium Discount Not available
Tax Benefit on Investment Tax benefit under section 80 D of Income Tax Act
Riders N.A.
Pre Policy Medical CheckUp No pre-acceptance medical screening required.
Pre-existing disease Covered after 36 months of continous coverage.
Waiting Period 2 year waiting period for specific illness/disease/treatment
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 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) N.A.
Reimbursement (OPD) N.A.
Annual Health CheckUp (OPD) N.A.
Pros Deductible limits can get aggregated during a polcy period.
Cons 10% co-payment for entry after 60 years of age.
* Please refer policy wordings for detailed information
Brochure Premium Chart Policy Wording Application Form Contact Us
Download Brochure Premium Chart Policy Wordings Application Form Contact Us
 
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36
STAR HEALTH SUPER SURPLUS (GOLD) INDIVIDUAL
  • Upto 25 Lac sum insured at low cost.
  • Aggregated deductible limits
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Min Entry Age 18 Years
Max Entry Age 65 Years
Max Policy Renewal Age Lifelong renewals.
Policy Term 1 Year
Sum Assured Options 5/10/15 /20/25 Lacs with deductible options 3/5/10 Lacs
Premium Payment Options Yearly
In-patient Treatment Covered
Day-Care Procedures Covered
Domiciliary Treatment Covered
Expenses for organ donor Covered
Pre hospitalisation Medical expenses upto 30 days prior to the date of hospitalization.
Post hospitalisation Medical expenses upto a period of 60 days after discharge from the hospital.
Emergency Ambulance Upto Rs.1500/- per policy year. Air Ambulance cover upto 10% of sum insured of 7 Lac and above.
Health Check-up Not available
Maternity Expenses Not available
Ayush Benefit Not available
No Claim Bonus Not available
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 10% co-payment in case of entry after an age of 60 years
Claim Based Loading No claim based loading
Renewal Premium Discount N.A.
Family Premium Discount N.A.
Tax Benefit on Investment AIDS or any related illness will not be covered.Treatment of any mental or related disease.
Riders Not avaialble
Pre Policy Medical CheckUp No pre-acceptance medical screening.
Pre-existing disease After 36 months of continous coverage
Waiting Period 24 months for specific diseases. Refer policy wordings.
No claim period Any disease contracted by the insured person in first 30 days from the commencement of policy. Refer policy wordings.
General exclusions AIDS or any related illness will not be covered.Treatment of any mental or related disease.
Grace Period 30 days
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) Not available
Reimbursement (OPD) Not available
Annual Health CheckUp (OPD) Not available
Pros Deductible limits can get aggregated during a polcy period.
Cons
* Please refer policy wordings for detailed information
Brochure Premium Chart Policy Wording Application Form Contact Us
Download Brochure Premium Chart Policy Wordings Application Form Contact Us
 
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Risk Factor : All investments in mutual funds are subject to market risks and the NAV of the schemes may go up or down depending upon the factors and forces affecting the securities market and there can be no assurance that the fund's objectives will be achieved. Past performance of the Fund does not indicate the future performance of the Schemes of the Fund.
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