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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
    Buy now
  • 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

Optima Super Family Floater

Optima Super is a top up health plan presented by the health care provider Apollo Munich which is aimed at enhancing your sum insured at a lower cost. This super top up plan is high deductible and you can select to undercover the top up plan into a nil deductible health insurance plan.

This plan is also aimed to facilitate the customers by providing the option of family floater plan that covers all of your family members within a single plan.

Note the benefit structure, and then go for the plan


Coverage for expense

In-patient treatment

Hospitalization for more than 24 hours


60 days before hospitalization

Post hospitalization

90 days after discharge

Day care procedure

144 day care procedures for more than 24 hour hospitalization

Expenses for organ donor

Treatment of organ donor during organ transplant

Ambulance service

Ambulance for way to hospital, up to Rs.2,000

Know about special features of this plan

  • This plan is the aggregate plan where the claims for a year are aggregated with the limit of deductible amount before settling the claim.
  • In this family floater plan, self and spouse as 2 adults and 2 dependent children can be covered.
  • The unique feature of this plan is the Waiver of Deductible benefit. Here a policy becomes a normal health plan without any deduction limit.
  • The renewal of policy is available till lifetime.
  • You can choose one from the options of annual policy term or 2 years term.
  • You can get cashless service over 4000 hospitals across the country.
  • If you will pay the 2 years premium for the plan of 2 years term, you will get 7.5% discount on the total amount of premium.
  • Free healthcare service is available for you, which covers primary consultation, individual referrals, health counseling, nutrition and diet.
  • Free health risk assessment is also there for you to assess your health status.

Few specifics to be informed about it



Coverage amount

5 lakhs

10 lakhs

Policy term

1 year

2 years

Entry age

.9 year

65 years (For adults)

5 years (For children)

Renewal age


Take a look upon the structure of premium for family floater

A structure of premium of Optima Super Family Floater plan is given below which covers 2 adults and 2 children and the policy term is 1 year.

Entry age of self

Sum insured

Sum deductible

Premium amount

30 years

7 lakhs

5 lakhs


40 years

7 lakhs

5 lakhs


50 years

7 lakhs

5 lakhs


Follow the exclusions with attentiveness

  • Expense due to treatment within 30 days of policy, except accidental case
  • Pre-existing illness for first 4 years of policy
  • HIV, AIDS and their related disease
  • Treatment for insanity, mental disorder, cosmetic surgery and weight control
  • Abuse of alcohol, drugs and intoxicants
  • Hospitalization due to illness caused by war
  • Pregnancy and dental treatment
  • 2 years waiting period for few specific ailments

Apollo Munich Health Insurance Plans