Apollo Munich Optima Restore

Apollo Munich Optima Restore health plan restores your insurance amount without a charge if you exhaust it in the middle of the year. In case you do not make any claims in a year, then your insurance cover increases by 50% in the first year and it doubles in the next year, without any extra charge.

• Restoration of the entire Sum Insured if used in the middle of the year
• No claim bonus increases the insurance cover by 50% in the first year
• If you don’t make a claim in the second year, the company doubles (100%) your basic Sum Insured
• Lifelong renewal to stay insured forever
• No sub-limits on hospital room rent or co-pay required
• No loading on renewal premiums if a claim is made
• Cashless treatment across 4000 hospitals in more than 800 cities
• Wide cover for treatment against illnesses and accident
• Tax benefits

Optima Restore health plan is available in -

• Individual
• Family Floater

• In-patient treatment
• Hospital room rent, boarding and nursing expenses
• Medical practitioners’ charges like doctor and anesthetists fees
• Cost of medicines, drugs and consumables
• Diagnostic procedures like X-ray, CT Scan, MRI Scan
• Cost of ICU and Operation theatre
• Surgical appliances, anesthesia, blood, oxygen
• Cost of prosthetics and other devices implanted internally during surgery
• Expenses for treatment of organ donor (not the cost of organ)
• Pre-hospitalisation covers medical expenses incurred within 60 days before the hospitalisation
• Post-hospitalisation covers medical expenses incurred 180 days after the hospitalisation
• Day care procedures (which do not require 24 hour hospitalisation) covers 140 listed treatments
• Emergency ambulance charges covered up to Rs 2,000
• Domiciliary treatment (taken at home)

• Family discount of 10% if 2 or more members covered
• Discount of 7.5% if you choose a 2 year policy

• An individual and / or his spouse
• Dependent children
• Dependent parents

Health insurance premiums paid up to Rs. 15,000 in case of individuals and Rs 20,000 for senior citizens are allowed as a deduction from the taxable income each year under section 80D of the Income Tax Act.

• Restoration of the basic sum insured cannot be used for any illness, disease or complications for which a claim has been paid in the current year
• If Restoration Benefit is not used in the same year, then it does not get carried forward in the next year or thereafter
• Any treatment within first 30 days of cover except in case of accidents
• Pre-existing diseases or conditions for first 3 years
• Psychiatric conditions, mental disorders, Parkinson’s disease, Alzheimer’s disease and obesity-related treatments
• Pregnancy, childbirth or miscarriage related treatments
• Dental treatment and surgery of any kind unless requiring hospitalisation
• Cosmetic, plastic or experimental surgery
• General weakness, convalescence, rest cure, long-term nursing care, rehabilitation etc
• Cost of contact lenses, spectacles, hearing aids, wigs, diabetic test strips and similar products
• Involvement in military, air force, naval operations
• Dangerous sports like racing, diving, hand-gliding, parachuting, scuba-diving, rock-climbing etc
• Abuse of drugs, alcohol, hallucinogens, intoxicant
• HIV, AIDS and related diseases
• Congenital diseases (conditions existing at birth) 
• 2 year waiting period for cataract, ENT, osteoporosis, arthritis, certain gynecological, gastrointestinal and urogenital treatments

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