Apollo Munich Optima Restore Family Floater

Optima Restore Family Floater Health Plan by Apollo Munich Health Insurance has its broad significance since it comes with a unique Restoration Benefit that automatically restores the basic Sum Insured when it is exhausted within a policy period. It may sound strange but Apollo Munich Optima Restore Family Floater Health Plan will restore the whole Sum Insured amount with no added costs in case the Sum Insured is exhausted by any single family member during a policy year and other member of the same family suffers from any illness or sickness during the same insured period.

Apollo Munich Optima Restore Family Floater Plan Benefits

  • Covers pre-hospitalization expenses for 60 days before you are hospitalized.
  • Covers post-hospitalization expense for 180 days after you have been discharged from the hospital.
  • Covers the In-Patient Hospitalization costs with no limits on room rents.
  • The policy covers the expenses of all sorts of day care procedures that don’t require 24hours hospitalization.
  • The policy covers the expense incurred from domiciliary treatments – the costs of treatment incurred involving your treatment that is done at home under medical supervision.
  • The policy offers Restoration Benefit – automatic restoration of the basic Sum Insured if it is exhausted by any of the family members.
  • Optima Restore Family Floater offers Multiplier Benefit which means you will receive 50% bonus of the basic Sum Insured for each claim free year.
  • This Apollo Munich Health Insurance Plan offers cashless facilities that can be availed by the policy buyers.
  • Covers the expenses of emergency Air Ambulance for the transportation of an insured person in an airplane or helicopter in case of emergency life-threatening health conditions.
  • A Grace Period of 30 days is given for the renewal process under this policy.

Optima Restore Family Floater Health Plan Eligibility

  • Apollo Munich Optima Restore Family Floater can be availed by anyone from the age between 5 years to 65 years. Dependent children can also get covered under the policy from the 91st day given that any / both of the parents are covered under the same plan.
  • The maximum number of members that can be added in the Optima Restore Family Floater plan is 6 which include a maximum of 2 adults and 5 children under a single policy.

Exclusions of Apollo Munich Optima Restore Family Floater Health Plan

  • Expenses for HIV / AIDS or any other Sexually Transmitted Diseases or Venereal Diseases.
  • All medical treatments within the first 30 days of policy commencement unless it’s an accidental injury.
  • All pre-existing diseases will be covered only after the waiting period of 3 years.
  • There’s a waiting period of 2 years for some specific diseases like hernia, cataract, surgery of hydrocele, joint replacement surgeries etc.
  • Expenses of pregnancy, dental treatments etc.
  • Insanity or any mental disorder, congenital diseases, weight control treatments, cosmetic surgeries etc.
  • Any hospitalization costs resulting from the injuries of war / act of war / nuclear, chemical / biological weapon and radiation of any kind.
  • Abuse of any hallucinogenic or intoxicant substances like alcohol and drugs.