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Products
Plan Name Salient Features Brochure APPLY
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21
APOLLO MUNICH OPTIMA SENIOR
  • Covers Senior Citizens at any age 61 and above
  • 5% discount on renewal premium
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Min Entry Age 61 Years
Max Entry Age No Limit
Max Policy Renewal Age No Limit
Policy Term 1/2 years
Sum Assured Options 2/3/5 Lacs
Premium Payment Options Yearly
In-patient Treatment Covered
Day-Care Procedures 140 listed day care procedures covered
Domiciliary Treatment Covered
Expenses for organ donor Covered
Pre hospitalisation Covered upto 30 days before hospitalisation
Post hospitalisation Covered upto 60 days immediately after discharge from hospital
Emergency Ambulance upto Rs. 2000 per hospitalisation
Health Check-up Not Available
Maternity Expenses Not Covered
Ayush Benefit Not Covered
No Claim Bonus Not Available
Restore Benefit Not Applicable
Cashless facility Available in network hospitals
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 15% in case of twin sharing room(or lower)/30% in case of Single Room(or higher)/30% in case of
Claim Based Loading No claim based loading
Renewal Premium Discount 5% non cumulative premium discount on renewal after every claim free year
Family Premium Discount Not Available
Tax Benefit on Investment Tax benefit available under section 80C of Income Tax Act
Riders Not Available
Pre Policy Medical CheckUp Mandatory, the company shall reimburse 50% of expenses on medicals on acceptance of proposal
Pre-existing disease Any pre-existing condition shall be covered after waiting period of 3 years
Waiting Period 2 year waiting period for specific diseases like cataract, hernia etc.
No claim period All treatments within first 30 days of the cover, except accidental injury
General exclusions Non-allopathic treatments, congenital diseases, mental disorder or insanity etc.
Grace Period 30 days for renewing the policy
Policy Termination Not Available
Doctor Consultations (OPD)
Reimbursement (OPD)
Annual Health CheckUp (OPD)
Pros Covers individuals at any age 61 and above, lifelong renewal, no claim based loading
Cons Co-Pay Applicable
* 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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9
SENIOR CITIZEN RED CARPET
  • No pre-insurance medical test required.
  • Pre-existing diseases covered from first year.
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Min Entry Age 60 Years
Max Entry Age 75 Years
Max Policy Renewal Age No limit
Policy Term 1 Year
Sum Assured Options 2/3/4/5 Lacs
Premium Payment Options Yearly
In-patient Treatment Covered subject to sublimits.
Day-Care Procedures Not covered
Domiciliary Treatment Covered
Expenses for organ donor Not covered
Pre hospitalisation Not available
Post hospitalisation 7% of hospitalization expenses subject ot maximum oif Rs. 5000/-.
Emergency Ambulance Upto Rs. 1200/- per policy year
Health Check-up Not available
Maternity Expenses Not applicable
Ayush Benefit Not available
No Claim Bonus Not available
Restore Benefit Not available
Cashless facility Available for treatments at network hospitals.
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 50% for pre-existing diseases; 30% for other claims.
Claim Based Loading Not applicable.
Renewal Premium Discount Not available
Family Premium Discount Not available
Tax Benefit on Investment Tax Benefit under section 80D of Income Tax Act
Riders Not available
Pre Policy Medical CheckUp Not required. However, 10% discount is available on submission of specific medical reports.
Pre-existing disease Pre-existing diseases for which treatment is takenin previous 12 months.
Waiting Period 2 Years for specific illness like catarct, knee replacement etc. 1 year for for diseases like hernia, prostate etc.Refer Policy Wording for detials.
No claim period 30 days
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) Allowed. Refer policy wording.
Reimbursement (OPD) Not allowed
Annual Health CheckUp (OPD) Not allowed
Pros No medical test required. Life long renewal.
Cons Co-payment required. Sub limits on hospitalization benefits.Cap on specified treatments.
* 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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