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Most Popular Policies of Apollo Munich Insurance

  • Optima Restore Family Floater Policy
    This plan covers an entire family of maximum four people. The policyholder can choose between one adult and three children or two adults and two children.
    Key features of Optima Restore Family Floater Policy
    • The sum assured gets doubled in 2 claim-free year
    • Sum insured is restored if gets exhausted during a policy year
    • Wide range of sum insured from Rs. 3 Lakhs to Rs. 50 Lakhs
    • Lifetime renewal option
    Buy now
  • Apollo Munich Optima Vital
    It is a critical illness insurance plan with coverage available for 37 types of critical illnesses. Both individuals and families can opt for this plan.
    Key features of Optima Vital Policy
    • Wide coverage for 37 critical ailments
    • Sum Insured range from 1 to 50 Lakhs
    • Availability of second opinion
    • Lifetime renewal
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  • Optima Restore Individual Plan
    This plan covers an individual and restores exhausted coverage in the middle of a year.
    Key features of Optima Restore Individual Plan
    • No claim based loading
    • Lifetime renewal option
    • Restore benefit available
    • Multiplier benefit available
    Buy now
  • Apollo Munich Easy Health Family Floater Plan
    This plan is designed to cover hospitalization and treatment expenses of multiple members of a family.
    Key features of Easy Health Family Floater Plan
    • Recovery benefit of 10,000 rupees for more than 10 days of hospitalization
    • Free health check-up of up to 5,000 rupees after completing three policy years,
    • Listed critical illnesses are covered with a lump sum of 50% to 100%.
    • Coverage available for new born baby, cost related to child birth
    Buy now

Easy Health Family Floater

Easy Health Family Floater is a health insurance plan presented by Apollo Munich. This insurance is designed to take care of your entire family and so comes up with three different sorts of policies according to policy premium. Take a look on the details of this health insurance plan.

Major benefits of policy

  • It covers the expenses for in-patient treatments in case of hospitalization for more than 24 hours.
  • Medical cost related to a serious illness that occurred before 60 days, is covered.
  • Expenses due to ailment that incurred after 90 days from the date of discharge from hospital are provided.
  • Medical expenses for 144 enlisted daycare procedures are covered under policy, if the hospitalization period is less than 24 hours.
  • Domiciliary treatment is included under the payable expenses of this policy.
  • Coverage for the expenses of Ayurveda and Homeopathy treatments is available.
  • A lump sum is given for the accommodation in general word of a network hospital.
  • In case of organ transfer, expense due to treatment of organ donor is covered.
  • Expense for the ambulance service is payable under this policy. The payable amount is up to 2000 rupees.
  • Daily expenses for the hospitalization of insured children, accompanied by the adults are provided.
  • A new born baby is covered under this policy till the age of 90 days.
  • Medical cost due to childbirth and before and after procedures is given to the insured person.

Additional benefits of policy

  • Expenditures due to critical illnesses that are included in policy wordings are covered with a lump sum of 50% to 100%.
  • After completion of three policy years, you will be enhanced with health check-up of up to 5,000 rupees.
  • You will be benefitted with recovery benefit with 10,000 rupees in case of hospitalization of more than 10 days.

Premium that varies for different floater plans

Variant plans

Premium (gross pay including tax)


4,877 rupees


6,438 rupees


9,887 rupees

In Premium Easy Health Family Floater plan, few additional advantages are given to the customers.

  • Costs incurred due to any dental treatment are payable in this plan afterwards three years from the issue of policy.
  • Cost of contact lenses, specs and hearing aids are covered from third year of policy.
  • If you need second opinion for critical illnesses, it is covered. But you have to choose one of the doctors associated with insurer.

Few particulars about policy



Sum insured

2 lakhs

10 lakhs

Policy tenure

1 year

1 year

Age of insured

5 years

60 years

Eligible family members

6 (Individual and spouse, 2 children, parents)



Excluded occurrences from policy coverage

  • Treatment within 30 days of policy except accidental case, are not covered.
  • Pre-existing illnesses are not covered within first 3 years of policy.
  • HIV, AIDS and related diseases.
  • Mental disorder, cosmetic surgery, insanity, weight control treatments are under exclusion.
  • Illness due to abuse of drug, alcohol or intoxicant.

Apollo Munich Health Insurance Plans