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Get the Best Health Insurance Plan Online in India

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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

Apollo Munich PA Insurance Policy

The personal Accident policy at Apollo Munich comes at two variants; standard and premium. These two versions vary in terms of sum insured and coverage. However, the eligibility, renewal options and exclusions are the same for both the variants of Apollo Munich PA insurance policy.

Eligibility of Apollo Munich PA Insurance Plan

  • People from 91 days to 69 years are eligible for this plan. 69 years is the maximum age for availing Apollo Munich PA insurance policy
  • This policy are valid for the lifetime of the policyholders. The coverage continues to remain effective as long as the policyholders live.
  • The maximum limit of sum insured is Rs 5,00,000 on renewal once the policyholders go past 70 years of age.
  • The tenure of personal accident policy is usually 1 year. This plan is typically issued to individuals and families. The family comprises of spouse, dependent parents and children.

Apollo Munich PA Insurance Policy Renewal

  • Personal Accident policy comes with lifetime renewal option.
  • 30 days grace period is available for policy renewal. Premium may change on policy renewal with IRDA approval in advance.
  • Any benefits change on renewal comes with IRDA and policyholders are intimated a minimum of 3 months prior to changes.

Sum Insured of Apollo Munich PA Insurance Policy

  • For Standard variant – Rs. 1 Lakh to Rs. 50 Lakhs
  • For Premium variant – Rs. 5 Lakh to Rs. 5 Crores

Coverage of Apollo Munich Standard Policy

  • Accidental Death
  • Temporary Total Disablement
  • Permanent Partial Disablement
  • Permanent Total Disablement
  • Emergency Ambulance Cover
  • Family Transportation
  • Transportation of Mortal Remains
  • Accident Medical Expenses
  • Education Fund

Coverage of Apollo Munich Premium Policy

  • Accidental Death
  • Temporary Total Disablement
  • Permanent Partial Disablement
  • Permanent Total Disablement
  • Emergency Ambulance Cover
  • Family Transportation
  • Transportation of Mortal Remains
  • Accident Medical Expenses
  • Education Fund
  • Transportation of Imported Medicine
  • Blood purchase
  • Bone fracture
  • In-patient hospitalization due to accident
  • Vehicle or residence modification

Exclusions of Apollo Munich PA Insurance Plan

  • Suicide or attempt to suicide or any self-inflicted injury,
  • Hallucinogens or intoxicants abuse which includes alcohol and drug.
  • Involvement in naval, air-force or military operations,
  • Participation in diving, racing, aviation, rock or mountain or rock climbing
  • Any breach of law with an intention to commit crime.
  • War or any act of foreign enemy, rebellion, public defense, insurrection, revolution, military acts, nuclear, chemical, radioactive contamination.
  • Complications related to childbirth and pregnancy,
  • Congenital external and internal diseases,
  • Sexually transmitted ailments like AIDS or HIV
  • Pre-existing diseases and conditions