Apollo Munich Optima Plus

Apollo Munich Optima Plus insurance plan is a top up plan. This policy offers higher coverage at lesser premium. The most noticeable feature of this plan is convertible option. You can convert this policy to a fully fledged nil deductible plan on retirement. In this write-up, we will discuss about this Apollo Munich Optima Plus Plan. You can have a look below to know more about this plan.

Apollo Munich Optima Plus Plan eligibility

  • Individuals between the age group of 5 years to 65 years can eligible for this plan.
  • A dependent child can be included under this plan if at least one parent is covered.
  • Self, spouse, dependent parents, dependent children are eligible for this plan.
  • Maximum 6 members can be included under a single policy, in which maximum of 4 adults and a maximum of 5 children can be covered.
  • The policy period is 1 or 2 years.

Benefits of Apollo Munich Optima Plus Plan

Ample of exclusive benefits will be provided if you own this Optima Plus Plan of Apollo Munich. The benefits are like,

In-Patient Hospitalization

You will avail coverage for hospitalization expenses for more than 24 hours with no room rent coverage limits.

Pre-Hospitalization and Post-Hospitalization

Under Apollo Munich Optima Plus, you can avail the medical costs that you incur due to illness during 60 days before you admitted to the hospital. You can also get the coverage for medical expenses for 90 days immediately after release from the hospital.

Domiciliary Treatment

The insured can get treatment expenses that done at home or residence.

Day-Care Procedures

140 day-care procedures are included in this policy benefits. Due to technological advancement, if you do not require 24 hours hospitalization, then you will get day-care procedures.

Organ Donor

At the time of organ transplant, you will get treatment expenses coverage.

Emergency Ambulance

If you need to use ambulance during emergency hospitalization, you will get expenses up to Rs. 2000.

Additional coverage of Apollo Munich Optima Plus Policy

Conversion to Nil Deductible Policy

Under this Optima Plus plan, you can have the option to opt to convert the plan to a fully fledged indemnity Health Insurance plan at the time of retirement. But this option is available only at renewal between 58 years to 60 years provided you have enrolled under this policy before the age of 50 years and have renewed continuously without any break.

Cashless Service

You can enjoy the benefit of cashless services under this plan. You just need to get a pre-authorization for the planned admissions. It is necessary to acquire 48 hours prior to the admission. In case of emergency admission, you should inform within 24 hours.


As per this plan, if you have some other health insurance company’s health insurance plan and you are looking for the shift on renewal, you can be able to do that.

Renewal process of Apollo Munich Optima Plus Insurance

  • Apollo Optima Plus policy offers lifelong renewability and there is no cover ceasing age limit.
  • You can get 30 days grace period for renewing the policy.
  • Renewal premium can be changed with prior approval from IRDA. And any changes in premium or benefits will be done with IRDA approval and will be initiated at least 3 months in advance.