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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
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  • 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
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  • 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
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Easy Travel Annual Multi Trip

Any unpredicted event can be happened at any time in your life. Therefore while you are traveling away from your home, you have to be pre-arranged to handle such a situation.

Easy Travel Annual Multi Trip plan, offered by Apollo Munich, is one which can look after you while you are away from home. With the coverage of medical expenses, loss of passport or luggage, delay of your flight, it gives you an ample comfort of mind.

Comprehensive features of this policy

  • Medical Evacuation is obtainable in this policy under Medical Expense Sum Insured.
  • While traveling to abroad, you will get the service of medical advice over telephone.
  • Hospital admission facility is given to you due to any emergency during the trip.
  • Interpreter referral and pre-trip information service are procurable for the insured persons.

Variants of policy and their benefits in detail

There are four different plans under this policy which are ranging from the coverage of 25,000 to 500,000 USD. You can opt for one of them as per your need.

A paralleled benefit structure of the variants is given below specifically. All amounts mentioned here are in the form of USD.

Benefits

Platinum

Gold

Silver

Asian Region

Medical treatment

5,00,000

2,50,000

1,00,000

25,000

Flight delay

50/12 hrs.

25/12 hrs.

Not covered

Not covered

Dental treatment

500

500

250

250

Accidental death/disability

25,000

20,000

10,000

10,000

Personal liability

1,00,000

1,00,000

50,000

10,000

Hijack allowance (daily)

100/12 hrs.

50/12 hrs.

50/12 hrs.

50/12 hrs.

Loss of passport

300

300

200

200

Loss of baggage

1,000

500

500

Not covered

Delay of baggage

300

300

200

Not covered

Emergency cash

300

200

200

Not covered

Eligibility for the policy

  • Persons who are included in the age group of 6 months to 70 years are eligible for Easy Travel Annual Multi Trip plan.
  • Platinum plan is not obtainable for persons aged from 61 to 70 years.
  • Maximum duration for a trip 30/60 days whereas the annual limit of duration is 180 days.

Terms of policy renewal

  • For Annual Multi Trip Policy, the application for renewal should be submitted before the end of policy duration.
  • You will not get any notice for due renewal or due premium. You have to go through the proper procedures by your own within time.
  • Renewal option for all insured person is not available.

General exclusions in policy

There are few cases which are excluded from the coverage of policy. Take a look on the attentively.

  • If you are traveling to abroad specifically for obtaining medical treatment, medical expense is not covered.
  • Any pre-existing disease is not covered.
  • If any breach of law is committed by the insured person, insurer is not liable to compensate.
  • War or any act of war, war like operations, attack, act of foreign enemy, public defense, rebellion, military acts, riot, terrorism, radioactive adulteration; these are not covered.
  • Medical condition due to abuse of drugs & alcohol is not under coverage.
  • Attempt to suicide or self-injury is excluded.
  • Expense due to childbirth and related complications is not covered under policy.

Apollo Munich Travel Insurance Plans