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OptimaRESTORE, the new health plan from A factory worker from
Apollo Munich, restores your entire Let’s Uncomplicate. Guan Malaysia sticks metal
from China objects magnetically
insurance amount without a charge inflates to his body.
if you exhaust it in the middle of the year. The Apollo Hospitals Group, Asia’s largest healthcare provider and Munich Health, balloons
world leaders in health insurance, come together to make quality healthcare easy using just
and accessible. Simple language, clear policies, transparent procedures and his ears. UNBELIEVABLE. UNBELIEVABLE.
And in case you have a claim-free year innovative products, making health insurance the way it ought to be.
it increases your insurance cover by 50% We know healthcare. We know insurance.
the first year and doubles it the year after,
at no extra charge
A contortionist from America packs all of herself
into a suitcase in just 5.43 seconds.
AMHI/MA/H/0002/0063/112010/P
Twitter - Follow us @apollomunichins
Join our Facebook fan page: http://www.facebook.com/ApolloMunichHealthInsurance
tion of real acts.
Save Tax U/S 80D of IT Act. Toll Free Number: 1800-103-0555. SMS: ‘restore’ to 56767 333. Buy online: apollomunichinsurance.com
Reg. Office: Apollo Hospitals Complex, Jubilee Hills, Hyderabad-33. Corp. Office: 10th Floor, Building No. 10, Tower B, DLF City Phase II, Cyber City, Gurgaon-2.
tive visualiza
Insurance is the subject matter of the solicitation.
Crea
unbelievable Restore Family Terms of Renewal: Life-long renewal
unbelievable
RESTORE BENEFIT PORTABILITY Basic Sum Insured per Policy per Policy Year (Rs. in Lakh) 3.00, 5.00, 10.00, 15.00
OptimaRESTORE, offers you easy portability, so if you are insured under another • Life-long Renewal: We offer life-long renewal regardless of your health status or previous claims made
under your policy, unless the Insured Person or any one acting on behalf of an Insured Person acts
Apollo Munich introduces a first of its kind, unique Restore benefit that automatically Insurer’s health insurance policy you can transfer to Apollo Munich with
reinstates the basic sum insured in case you exhaust it in a policy year. Sure it sounds 1) In-patient Treatment Covered in a dishonest or fraudulent manner or if there is any misrepresentation under or in relation to this policy
too good to be true but here is how it works: all your accrued benefits after due allowances for waiting periods and enjoy all or it poses a moral hazard.
the unbelievable benefits of OptimaRESTORE. Pre-Hospitalization Covered, up to 60 Days
If you use up your coverage in an individual policy and fall ill with another illness, we will
Remember Post-Hospitalization Covered, up to 180 Days • Waiting Period: The waiting periods mentioned in the policy wording will get reduced by 1 year
restore the entire sum insured for you to use, at no extra charge. on every continuous renewal of your policy.
• Maximum Age: The maximum entry age is 65 years. There is no for 140 listed day care procedures
If someone’s illness in your family uses up the coverage in a floater policy and Day Care Procedures Covered • Renewal Premium: Renewal premium is subject to change with prior approval from IRDA.
if any other family member falls ill later during the same insured period, we will restore maximum cover ceasing age in this Policy.
the entire amount at no extra charge. Domiciliary Treatment Covered • Sum Insured Enhancement: Sum Insured can be enhanced only at the time of renewal subject to no claim
• Minimum Age: The minimum entry age is 91 days. Children between having been lodged/paid under the Policy. If the insured increases the Sum Insured one grid up, no fresh
So, if you have a Rs. 5 lakhs policy and exhaust the entire amount, we will restore Rs. 5 91 days and 5 years can be insured provided both parents are getting Organ Donor Covered
lakhs, which you can use for some other illnesses or for any other member covered under insured under this Policy. Emergency Ambulance Upto Rs.2,000 per Hospitalisation medicals shall be required. In case where the Sum Insured increase is more than one grid up, the case shall
the family floater policy, if needed. be subject to medicals. In case of increase in the Sum Insured, waiting period will apply afresh for
• The cover will be valid for 1 or 2 year(s) as opted. An additional 7.5% 2) Restore Benefit Equal to 100% of Basic Sum Insured the amount by which the Sum Insured has been enhanced. However, the quantum of increase shall
The coverage would be the accumulation of basic Sum Insured and accumulated Multiplier Benefit (if any). discount is offered on the premium if you choose a 2 year Policy. be at the discretion of the company.
3) Multiplier Benefit Bonus of 50% of the Basic Sum Insured for
unbelievable • An individual and/or his family members namely spouse, dependent every claim free year, maximum upto 100%. Tax Benefit:
MULTIPLIER BENEFIT children and dependent parents are eligible for buying this cover on In case of claim, bonus will be reduced by 50%
The amazing restore benefit also comes with a never before renewal incentive. an individual or floater basis. A man • The premium amount paid under this policy qualifies for deduction under Section 80D of the Income Tax Act,
from a little of the basic sum insured. However this subject to applicable tax laws.
If you’ve had a claim free year, we will increase your basic sum insured by 50% town in Morocco reduction will not reduce the Sum Insured below
as a no claim bonus. If you don’t claim even in the second year, we’ll double your basic snacks on the basic Sum Insured of the policy. Discounts:
sum insured as a no claim bonus i.e. 100% of the basic Sum Insured.
So, if you have a 5 lakh policy and don’t claim in the first year, we will increase your anything. • Family Discount of 10% if 2 or more family members are covered under Optima Restore Individual
Restore Individual Even nails. Sum Insured Plan.
cover to 7.5 lakh for the second year and 10 lakh in the third year (if you dont claim in the
second year), while you only pay a premium for a 5 lakh policy. Basic Sum Insured per Insured Person per Policy Year • An additional 7.5% discount is offered on the premium if you choose a 2 year policy
(Rs. in Lakh) 3.00, 5.00, 10.00, 15.00 Major Exclusions
unbelievable • Any treatment within first 30 days of cover except any
OTHERS 1) In-patient Treatment Covered accidental injury.
Disclaimer:
What makes OptimaRESTORE really a game changing No claim based loading: We will never load your Pre-Hospitalization Covered, up to 60 Days • Any Pre-existing diseases/conditions will be covered after This is only a summary of the product features. The actual Meing
health plan is that the goodies don’t just stop benefits available are as described in the policy, and will
renewal premium because you claimed or fell ill Post-Hospitalization Covered, up to 180 Days a waiting period of 3 years. from a little
with the unique Restore and Multiplier benefits. after taking our policy. be subject to the policy terms, conditions and exclusions. city in China,
OptimaRESTORE is packed with a bunch of fantastic • 2 years exclusion for specific diseases like cataract, hernia, Please seek the advice of our insurance advisor if you require
for 140 listed day care procedures
Quick turnaround time: You don’t have to worry Day Care Procedures Covered hysterectomy, joint replacement etc. any further information or clarification. claps as loud as
features that truly uncomplicate healthcare and about pre-authorization, 90% of pre-authorization is
make it a plan that genuinely cares for you. done within 2 hours. Domiciliary Treatment Covered • Expenses arising from HIV or AIDS and related diseases. Statutory warning: the sound of
Lifelong renewal: Renew your cover lifelong and stay Quick claim payment: When it comes to claim Organ Donor Covered UNBELIEVABLE. • Abuse of intoxicant or hallucinogenic substance like drugs UNBELIEVABLE. Section 41 of Insurance Act 1938 (Prohibition of Rebates) a helicopter.
covered forever. settlement, we’re one of the fastest in the industry and alcohol. 1) No person shall allow or offer to allow either directly
Emergency Ambulance Upto Rs.2,000 per Hospitalisation • Pregnancy, dental treatment, external aids and appliances. or indirectly as an inducement to any person to take out
No sublimit on room rent: With this health plan you to honour every genuine claim.
can get the room you like and the treatment you Certified associates: When you deal with us you 2) Restore Benefit Equal to 100% of Basic Sum Insured • Hospitalization due to war or an act of war or due to nuclear, or continue an insurance in respect of any kind of risk relating
deserve without a hassle. chemical or biological weapon and radiation of any kind. to life or property in India any rebate of the whole or part
can be assured that all our field partners and sales 3) Multiplier Benefit Bonus of 50% of the Basic Sum Insured for of the commission payable or any rebate of premium shown
Cashless transactions: OptimaRESTORE enables executives are well trained. every claim free year, maximum upto 100%. • Non-allopathic treatment, congenital diseases, mental disorder, Sixty-four on the policy nor shall any person taking out or renewing
you to get treated on a cashless basis across 4000 Easy upgrade: This health plan also comes with an cosmetic surgery or weight control treatments. year old farmer, or continuing a policy accept any rebate except such rebate
hospitals in over 800 cities. In case of claim, bonus will be reduced by as may be allowed in accordance with the prospectus
easy upgrade option. You can upgrade your cover to 50% of the basic sum insured. However this has not slept or tables of the insurers.
No geography based sub-limits: No matter where the next slab at the time of your policy renewal. For complete exclusions please refer to the policy document. since 1973.
you buy your policy you can get treated in any city reduction will not reduce the Sum Insured 2) Any person making default in complying with the UNBELIEVABLE.
or hospital you like in the country with no additional Tax benefits: You can avail tax benefits for the provisions of this section shall be punishable with fine,
premium amount under Section 80 D of the Income below the basic Sum Insured of the policy.
copays or sublimits. which may extend to five hundred rupees.
Tax Act. (Tax benefits are subject to changes in tax
laws.)
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