The unbelievable health plan.
Unbelievable Apollo Munich introduces a first of its kind, unique Restore benefit that automatically
RESTORE reinstates the basic sum insured in case you exhaust it in a policy year. Sure it sounds too
BENEFIT good to be true but here is how it works:
If you use up your coverage in an individual policy and fall ill with another illness, we will
restore the entire sum insured for you to use, at no extra charge.
If someone’s illness in your family uses up the coverage in a floater policy and if any other
family member falls ill later during the same insured period, we will restore the entire amount
at no extra charge.
So, if you have a Rs. 5 lakhs policy and exhaust the entire amount, we will restore Rs. 5
lakhs, which you can use for some other illnesses or for any other member covered under
the family floater policy, if needed.
The coverage would be the accumulation of basic Sum Insured and accumulated Multiplier
Benefit (if any).
Unbelievable The amazing restore benefit also comes with a never before renewal incentive. If you’ve had
MULTIPLIER a claim free year, we will increase your basic sum insured by 50% as a no claim bonus. If
BENEFIT you don’t claim even in the second year, we’ll double your basic 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 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.
Unbelievable What makes OptimaRESTORE really No claim based loading: We will never
OTHERS a game changing health plan is that load your renewal premium because you
the goodies don’t just stop with the claimed or fell ill after taking our policy.
unique Restore and Multiplier benefits.
Quick turnaround time: You don’t have to
OptimaRESTORE is packed with a bunch
worry about pre-authorization, 90% of pre-
of fantastic features that truly uncomplicate
authorization is done within 2 hours.
healthcare and make it a plan that genuinely
cares for you. Quick claim payment: When it comes to
claim settlement, we’re one of the fastest in
Lifelong renewal: Renew your cover
the industry to honour every genuine claim.
lifelong and stay covered forever.
Certified associates: When you deal
No sublimit on room rent: With this health
with us you can be assured that all our
plan you can get the room you like and the
field partners and sales executives are well
treatment you deserve without a hassle.
trained.
Cashless transactions: OptimaRESTORE
Easy upgrade: This health plan also comes
enables you to get treated on a cashless
with an easy upgrade option. You can
basis across 4000 hospitals in over 800
upgrade your cover to the next slab at the
cities.
time of your policy renewal.
No geography based sub-limits: No
Tax benefits: You can avail tax benefits for
matter where you buy your policy you can
the premium amount under Section 80 D of
get treated in any city or hospital you like
the Income Tax Act. (Tax benefits are subject
in the country with no additional copays or
to changes in tax laws.)
sublimits.
Unbelievable OptimaRESTORE, offers you easy portability, so if you are insured under another Insurer’s
PORTABILITY health insurance policy you can transfer to Apollo Munich with all your accrued benefits after
due allowances for waiting periods and enjoy all the unbelievable benefits of OptimaRESTORE.
Remember • Maximum Age: The maximum entry age is 65 years. There is no maximum cover
ceasing age in this Policy.
• Minimum Age: The minimum entry age is 91 days. Children between 91 days and 5
years can be insured provided either parent is getting insured under this Policy.
• The cover will be valid for 1 or 2 year(s) as opted. An additional 7.5% discount is offered
on the premium if you choose a 2 year Policy.
• An individual and/or his family members namely spouse, dependent children and
dependent parents/parents-in-law are eligible for buying this cover on an individual or
floater basis.
Restore Basic Sum Insured per
Individual Insured Person per 3.00, 5.00, 10.00, 15.00 20.00, 25.00, 50.00
Policy Year (Rs. in Lakh)
1) In-patient Treatment Covered
Pre-Hospitalisation Covered, up to 60 Days
Post-Hospitalisation Covered, up to 180 Days
Day Care Procedures All Day Care Treatments Covered
Domiciliary Treatment Covered
Organ Donor Covered
Daily cash for Choosing Rs. 800 per day for max Rs. 1000 per day for max
shared accommodation 6 days 6 days
Emergency Ambulance Upto Rs. 2,000 per Hospitalisation
E-opinion in respect of
One opinion per policy year
critical illnesses
2) Restore Benefit Equal to 100% of Basic Sum Insured
Bonus of 50% of the Basic Sum Insured for every claim
free year, maximum upto 100%.In case of claim, bonus
3) Multiplier Benefit will be reduced by 50% of the basic sum insured. However
this reduction will not reduce the Sum Insured below the
basic Sum Insured of the policy
Upto 1% of Sum Insured
subject to a Maximum of
Rs. 10,000 per Insured
4) Health Checkup Not covered
Person, only once at the
end of a block of every
continuous two policy years
Restore Family Basic Sum Insured per
3.00, 5.00, 10.00, 15.00 20.00, 25.00, 50.00
Policy Year (Rs. in Lakh)
1) In-patient Treatment Covered
Pre-Hospitalization Covered, up to 60 Days
Post-Hospitalization Covered, up to 180 Days
Day Care Procedures All Day Care Treatments Covered
Domiciliary Treatment Covered
Organ Donor Covered
Daily cash for Choosing Rs. 800 per day for max Rs. 1000 per day for max
shared accommodation 6 days 6 days
Emergency Ambulance Upto Rs. 2,000 per Hospitalisation
E-opinion in respect of
One opinion per policy year
critical illnesses
2) Restore Benefit Equal to 100% of Basic Sum Insured
Bonus of 50% of the Basic Sum Insured for every claim
free year, maximum upto 100%.In case of claim, bonus
3) Multiplier Benefit will be reduced by 50% of the basic sum insured. However
this reduction will not reduce the Sum Insured below the
basic Sum Insured of the policy
Upto 1% of Sum Insured per
Policy subject to a Maximum
of Rs. 10,000 per policy, only
4) Health Checkup Not covered
once at the end of a block of
every continuous two policy
years
Major • Any treatment within first 30 days of cover except any accidental injury.
Exclusions • Any Pre-existing diseases/conditions will be covered after a waiting period of 3 years.
• 2 years exclusion for specific diseases like cataract, hernia, hysterectomy, joint
replacement etc.
• Expenses arising from HIV or AIDS and related diseases.
• Abuse of intoxicant or hallucinogenic substance like drugs and alcohol.
• Pregnancy, dental treatment, external aids and appliances.
• Hospitalization due to war or an act of war or due to nuclear, chemical or biological
weapon and radiation of any kind.
• Non-allopathic treatment, congenital diseases, mental disorder, cosmetic surgery or
weight control treatments.
For complete exclusions please refer to the policy document.
Terms of • Life-long Renewal: We offer life-long renewal regardless of your health status or
Renewal: Life- previous claims made under your policy, unless the Insured Person or any one acting on
long renewal behalf of an Insured Person acts in a dishonest or fraudulent manner or if there is any
misrepresentation under or in relation to this policy or it poses a moral hazard.
• Waiting Period: The waiting periods mentioned in the policy wording will get reduced by
1 year on every continuous renewal of your policy.
• Renewal premium are subject to change with prior approval from IRDA. Any change in
benefits or premium (other than due to change in Age) will be done with the approval
of the Insurance Regulatory and Development Authority and will be intimated atleast 3
months in advance.
In the likelihood of this policy being withdrawn in future, intimation will be sent to
insured person about the same 3 months prior to expiry of the policy. Insured Person
will have the option to migrate to similar indemnity health insurance policy available
with us at the time of renewal with all the accrued continuity benefits such as Multiplier
Benefit, waiver of waiting period etc. provided the policy has been maintained without a
break as per portability guidelines issued by IRDA.
• Sum Insured Enhancement: Sum Insured can be enhanced only at the time of renewal
subject to no claim having been lodged/paid under the Policy. If the insured increases
the Sum Insured one grid up, no fresh medicals shall be required. In case where the
Sum Insured increase is more than one grid up, the case shall be subject to medicals.
In case of increase in the Sum Insured, waiting period will apply afresh for the amount
by which the Sum Insured has been enhanced. However, the quantum of increase shall
be at the discretion of the company.
• Any Insured Person in the policy has the option to migrate to similar indemnity health
insurance policy available with us at the time of renewal subject to underwriting with all
the accrued continuity benefits such as Multiplier Benefit, waiver of waiting period etc.
provided the policy has been maintained without a break as per portability guidelines
issued by IRDA.
Tax Benefit • The premium amount paid under this policy qualifies for deduction under Section 80D
of the Income Tax Act, subject to applicable tax laws.
Discounts • Family Discount of 10% if 2 or more family members are covered under Optima Restore
Individual Sum Insured Plan.
• An additional 7.5% discount is offered on the premium if you choose a 2 year policy
Disclaimer ›
This is only a summary of the product features. The actual benefits available are as described in the policy, and will be
subject to the policy terms, conditions and exclusions. Please seek the advice of your insurance advisor if you require any
further information or clarification.
Statutory Warning ›
Prohibition 0f Rebates (under section 41 of Insurance Act, 1938): No person shall allow or offer to allow, either directly
or indirectly, as an inducement to any person to take out or renew or continue an insurance in respect of any kind of
risk relating to lives or property in India, any rebate of the whole or part of the commission payable or any rebate of the
premium shown on the policy, nor shall any person taking out or renewing or continuing a Policy accept any rebate,
except such rebate as may be allowed in accordance with the published prospectuses or tables of the insurers. Any
person making default in complying with the provision of this section shall be punished with fine, which may extend to
five hundred rupees.
reach us
Apollo Munich Health Insurance Co. Ltd.
2nd & 3rd Floor, iLABS Centre, Plot No. 404-405, Udyog Vihar, Phase-III, Gurgaon - 122 016, Haryana
Corp. Office : 1st Floor, SCF -19, Sector - 14, Gurgaon - 122 001, Haryana.
Regd. Office : Apollo Hospitals Complex, Jubilee Hills, Hyderabad - 500 033, Andhra Pradesh.
Toll Free: 1800-103-0555
Tel : +91-124-4584333 Fax : +91-124-4584111
Secured online purchase at: www.apollomunichinsurance.com
SMS: 'restore' to 56767333
E-mail: customerservice@apollomunichinsurance.com
The Apollo Hospitals Group, Asia’s largest healthcare provider and Munich Health, world leaders in health insurance,
come together to make quality healthcare easy and accessible. Simple language, clear policies, transparent
procedures and innovative products, making health insurance the way it ought to be. We know healthcare. We
know insurance.
We also offer Travel and Personal Accident Insurance.
Insurance is the subject matter of solicitation. For more details on risk factors, terms and conditions please read
sales brochure carefully before concluding a sale. • IRDA Registration Number - 131
• Corporate Identity Number: U66030AP2006PLC051760
Creative visualization of real acts. AMHI/MA/H/0002/0102/032013/P
