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Product review: Apollo Munich Optima Senior

Dailybhaskar.com | Last Modified - Mar 22, 2014, 03:06 PM IST

Plan exclusively created for senior citizens of any age
  • Product review: Apollo Munich Optima Senior
    Product review: Apollo Munich Optima Senior

    By Manoj Aswani

    Policy Snapshot

    · Plan exclusively created for senior citizens of any age

    · Comprehensive coverage for hospitalisation

    · Option to choose a higher insurance cover (upto 5 Lakhs)

    · Hassle free lifelong cover for you and your spouse

    · No claim-based loadings on renewals

    · Get cashless treatment across 4000 network hospitals across 800 cities

    · Get a non cumulative 5% discount on the renewal premium after every claim free year

    · Receive a free second opinion from the medical panel for listed ‘critical illnesses’

    Eligibility criteria

    Minimum sum assured

    2 lacs

    Maximum sum assured

    5 lacs

    Minimum policy term

    1 year

    Maximum policy term

    2 year

    Minimum age at entry

    61 years

    Renewable till the age of

    Life long

    Benefits

    · Provides comprehensive hospitalisation coverage for the senior citizen

    · Offers lifelong renewal and has been exclusively created for senior citizens at any age after 61 years

    · No loading in this plan because of a claim in the previous year

    · Has an option to choose a higher insurance cover up to 5 Lakhs

    · There is hassle free lifelong cover for you and your spouse along with this plan

    · There is a facility where a free second opinion is provided by the medical panel for listed ‘critical illnesses’

    · This plan has no sub limits

    · This plan covers:

    1. In-patient hospitalisation

    2. Pre- hospitalisation

    3. Post- hospitalisation

    4. Day care procedures

    · This plan has additional benefits of domiciliary treatment, expenses for organ donor, emergency ambulance, etc

    · This plan offers an additional discount of

    1. 5% if 2 members buy this plan

    2. 7.5% if a 2-year plan is purchased

    · This plan covers pre-existing diseases after 3 years of continuous renewal

    · This plan offers a 5% additional discount for a claim free year

    This comprehensive health insurance plan covers the following

    · In-patient hospitalisation with no sub limit or co payments

    · Pre hospitalisation coverage for 30 days prior to admission in hospital

    · Post hospitalisation coverage for 60 days post discharge from hospital

    · 140 Day care procedures where there is no requirement of hospitalisation

    There are certain additional benefits available in this

    · Domiciliary treatment

    · Expenses for organ donor

    · Emergency ambulance

    · E-opinion for all medical complications

    Exclusions

    · Any treatment within first 30 days of cover except in case of accidents

    · Pre-existing diseases or conditions for first 3 years

    · Psychiatric conditions, mental disorders, Parkinson’s disease, Alzheimer’s disease and obesity-related treatments

    · Pregnancy, childbirth or miscarriage related treatments

    · Dental treatment and surgery of any kind unless requiring hospitalisation

    · Cosmetic, plastic or experimental surgery

    · General weakness, convalescence, rest cure, long-term nursing care, rehabilitation etc

    · Cost of contact lenses, spectacles, hearing aids, wigs, diabetic test strips and similar products

    · Involvement in military, air force, naval operations

    · Dangerous sports like racing, diving, hand-gliding, parachuting, scuba-diving, rock-climbing etc

    · Abuse of drugs, alcohol, hallucinogens, intoxicant

    · HIV, AIDS and related diseases

    · Congenital diseases (conditions existing at birth)

    (The author is the Vice President of MyInsuranceClub.com, an insurance price and features comparison site in India. Readers may write to him at [email protected])

    MyInsuranceClub.com

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Web Title: Product review: Apollo Munich Optima Senior
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