Apollo Munich Health Insurance
Apollo Munich Optima Vital Plan is a health insurance policy mainly intended to cover 37 Critical Illnesses and the associated costs till Rs 50 Lacs. It serves as a supplemental coverage in addition to your existing health plan in case of any critical illness that requires large expenses for treatment.
For children : 18 - 25
Adults :
Minimum : 18 years
Maximum : 65 years
Maximum Members : 6
Maximum Adults : 4
Maximum Children : 4
1 Lakh - 50 Lakh
For longer policy term
Family Discount
1, 2 years
Sum Insured 6L & above
Age 46 Years above
For a Critical Illness Insurance Plan it is most important to know the conditions covered under the plan. Given below is a list of conditions covered under each category.
Note: Please refer the policy wordings for details of the clauses and associated terms and conditions. Similarly, note that a registered medical practitioner should verify above mentioned ailments for a successful claim. For more information, contact Coverfox.
If you are currently insured with a different insurer and wish to switch to Apollo Munich's Optima Vital Plan, you can do the same without losing your accrued benefits after due allowances for waiting periods.
You can avail tax benefits for the premium amount paid towards this plan under Section 80D of the Income Tax Act.
You can opt for the improvement of the Sum Insured at the time of renewal if you have not claimed on the policy.
Along with the regular coverage offered under critical illness benefit plan, this plan also provides second opinion post diagnosis of critical illness.
For any reason, should you decide not to proceed with the policy, you can return the same and request for a refund within 15 days from the date of receipt of the policy document.
You can opt for a sum insured between Rs.1,00,000 and Rs.50,00,000.
45 days
The Plan will not cover any liabilities towards the treatments of following conditions-
With a cover for 37 critical illnesses, Apollo Munich's Optima Vital is a worthy investment towards securing your financial future in case any of the specified critical illness hit you in future. A broad range of sum insured, expert opinion from paneled doctors and an option to enhance your sum insured at renewal are few of the significant benefits that make the plan worth considering.
**Reviews and ratings are based only on Benefits and Conditions. Things like Claim Settlement Ratio, Hospital Network have not been covered under product ratings. These are covered under Company ratings.
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