Apoollo Munich Health Insurance
ICICI Lombard Insurance
 

APOLLO MUNICH HEALTH INSURANCE

Health insurance is insurance against the risk of incurring medical expenses among individuals.Health insurance is a contract between you and your insurance company.Health insurance provides coverages for Medicine,visit to the Doctor or emergency room,hospital stays and other Medical expenses . The purpose of health insurance is to help you pay for care. It protects you and your family financially in the event of an unexpected serious illness or injury that could be very expensive.

Having health insurance gives you the peace of mind that you can get the treatment you need, when you need it.Keep in mind medical costs in your city. In critical illness, expenses may be higher than the cover or the patient may require multiple hospitalisation, which may make the cover insufficient. In such a scenario, there are two ways to increase your cover-buy an additional policy, possibly a floater one, for the entire family, or a top-up plan which provides cover over and above the existing policy.No one plans to get sick or hurt, but most people need medical care at some point. Health insurance covers these costs and protects you from very high expenses. We offer a range of health insurance plans directly to families and individuals

Optima Restore Individual

Sum Insured starting from 3-15 lakhs

  • Restore benefit to auto-reinstate your sum insured
  • Multiplier benefit offers a no claim benefit of 50% every year
  • Pre & Post hospitalization coverage for 60 days & 180 days
  • 140 Day-care procedures
  • Domiciliary treatment
  • Expenses for Organ Donor
  • Emergency Ambulance
  • Lifelong renewal
  • No additional loadings
  • No sublimits
  • No co-payment.

Optima Restore Family Floater

Sum Insured starting from 3-7.5 Lakhs

  • Hospitalization
  • Pre-hospitalization
  • Post-hospitalization
  • 140 Day-care procedures
  • Domiciliary treatment
  • Daily Cash + Expenses for Organ Donor
  • Emergency Ambulance
  • Health Check-up
  • Maternity expenses
  • Coverage for New Born Baby
  • Daily cash for accompanying an insured child
  • Critical Illness

Easy Health Individual

  • Comprehensive coverage for hospitalization
  • Coverage offered for Pre & Post-Hospitalization
  • Coverage for specific 144 day-care procedures
  • 10% cumulative bonus for every claim-free year accumulating upto 50%
  • Daily cash for choosing shared accommodation (Rs. 500 per day, maximum Rs. 3000)
  • Coverage for Inpatient Treatment taken under Ayurveda, Unani, Sidha and Homeopathy
  • Expenses for Organ donor
  • Emergency Ambulance - upto Rs. 2000

Easy Health Family Floater

  • Comprehensive coverage for hospitalization
  • Coverage offered for Pre & Post-Hospitalization
  • Coverage for specific 144 day-care procedures
  • 10% cumulative bonus for every claim-free year accumulating upto 50%
  • Daily cash allowance for accompanying an insured child.
  • Daily cash for accompanying an insured child
  • Daily cash for choosing shared accommodation
  • Coverage for Inpatient Treatment taken under Ayurveda, Unani, Sidha and Homeopathy
  • Expenses covered for Organ donor
  • Emergency Ambulance- Upto Rs. 2000
  • Additional coverage for Critical Illness
  • Coverage for Maternity expenses
  • Coverage for new born baby
  • E-Opinion for Critical Illness.
  • Coverage for outpatient Dental Treatment
  • Coverage for Spectacles, Contact Lenses, Hearing Aid

Optima Cash

  • 10% Family discount for 2 or more members
  • Coverage for Hospitalization due to Illness/Accident
  • Daily cash benefit for hospitalization
  • Double Daily Cash benefit for ICU and Joint hospitalization
  • 50% Daily Cash amount for 10 identified Day-Care procedures
  • Option to choose Policy period of 1 or 2 Years
  • No medical tests required
  • Convalescence Cash- Lump sum amount for hospitalization beyond 7 days
  • Coverage for additional expenses like attendant’s food, travel and accommodation
  • No medical bills required for claim

Optima Plus

A unique top up plan that not only allows you to increase your current coverage (individual or corporate cover) by Rs 5 lacs at a very low cost but also provides you an option to convert into a full fledged plan at retirement. This unique topup plan offers Coverage for the following in case your costs are over and above the deductible* amount you select

  • Inpatient hospitalization.
  • Pre & Post-Hospitalization
  • 140 day-care procedures.
  • Domiciliary Treatment.
  • Emergency Ambulance
  • Option of converting the plan to a nil deductible
  • plan between the ages of 58 to 60 yrs.
  • 7.5% discount on premium if opting for a 2-year policy.
  • 10% family discount if 2 or more family members are covered under the same policy.

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