Apollo Munich Optima Plus Top Up Health Insurance Plan offers to cover you for higher hospitalization expenditures at nominal premium. It is the only plan in India that offers an option to convert to a fully-fledged nil deductible health insurance plan on retirement.
How it works – The plan offers coverage from the age of 5 years onwards with maximum entry age of 65 years. A dependent child can be covered from the 91st day (if either parent is covered under this policy). You and/ or your family members namely spouse, dependent children, dependent parents are eligible for buying this cover (plan offers a family discount of 10% if 2or more family members are covered under the same policy). The policy offers coverage on individual sum insured basis only. Maximum 6 members can be added in a single policy. In an individual policy, a maximum of 4 adults and a maximum of 5 children can be included in a single policy. Your premium at renewal may change due to a change in your age or changes in the applicable tax rate. The policy period options include period of 1 or 2 years(s). (It offers 7.5% discount if you opt for a 2 year policy)