apollo-munich

review Apollo Munich Health Insurance​

Apollo Munich Health Insurance Company Ltd. is a private sector health insurance company in India. Founded on 8 August 2007, it is a joint venture between the Apollo Hospitals group and Munich Health, one of the three business segments of Munich Re; a leading reinsurance company based in Germany.​Apollo Munich provides the following Health Insurance plans under Optima Restore.

  • Plan 1
  • Plan 2
  • Plan 3
  • Plan 4
  • Plan 5
  • Compare

Sum Insured Available:

  • 3.0 lacs
sum insured

Inpatient Hospitalisation (Room rent limit):

  •  No limit
inpatient-hospitalization
pre-hospitalisation medical expenses

Post-hospitalisation medical expenses:

  • Covered up to 60 days before date of hospitalisation.

pre-hospitalisation medical expenses

Post-hospitalisation medical expenses

  • Covered up to 180 days post discharge from hospital. 

Waiting period for Specific diseases

  • 24 months
waiting period for specific diseases

Waiting period for pre-existing diseases

  • 36 months
waiting period for specific diseases
new born baby

Waiting period for first Delivery, New Born cover and Bariatric Surgery

  • 36 months
Delivery charges

Day Care Treatment

  • Covered

Domiciliary Treatment (Treatment at Home)

  • Covered up to the limit of sum insured.
Domiciliary Treatment

Organ Donor

  • Covered up to sum insured
organ donor
Ambulance Cover

Ambulance Cover

  • Up to Rs 2,000 paid per hospitalisation event

Daily Allowance

Hospital Cash Benefit (only in case of shared accommodation)

  • Rs 800, maximum Rs 4,800 

Expert Opinion

  • One opinion per policy year

expert opinion

Air Ambulance Cover

  • Not Available

Air Ambulance Cover
cashless-facility

Restoration benefit after exhaustion of sum insured

  • 100% of the sum insured once in a policy year

No claim Bonus or Cumulative Bonus

No claim Bouns

  • 50% of sum insured for every claim free year. Maximum limit 100%. In case of claim the bonus is reduced by 50%.​

Day Care Treatment

Health Check-up

  • Not Available


 

Sum Insured Available:

  • 5.0 lacs
sum insured

Inpatient Hospitalisation (Room rent limit):

  •  No limit
inpatient-hospitalization
pre-hospitalisation medical expenses

Post-hospitalisation medical expenses:

  • Covered up to 60 days before date of hospitalisation.

pre-hospitalisation medical expenses

Post-hospitalisation medical expenses

  • Covered up to 180 days post discharge from hospital. 

Waiting period for Specific diseases

  • 24 months
waiting period for specific diseases

Waiting period for pre-existing diseases

  • 36 months
waiting period for specific diseases
new born baby

Waiting period for first Delivery, New Born cover and Bariatric Surgery

  • 36 months
Delivery charges

Day Care Treatment

  • Covered

Domiciliary Treatment (Treatment at Home)

  • Covered up to the limit of sum insured.
Domiciliary Treatment

Organ Donor

  • Covered up to sum insured
organ donor
Ambulance Cover

Ambulance Cover

  • Up to Rs 2,000 paid per hospitalisation event

Daily Allowance

Hospital Cash Benefit (only in case of shared accommodation)

  • Rs 800, maximum Rs 4,800 

Expert Opinion

  • One opinion per policy year

expert opinion

Air Ambulance Cover

  • Not Available

Air Ambulance Cover
cashless-facility

Restoration benefit after exhaustion of sum insured

  • 100% of the sum insured once in a policy year

No claim Bonus or Cumulative Bonus

No claim Bouns

  • 50% of sum insured for every claim free year. Maximum limit 100%. In case of claim the bonus is reduced by 50%.​

Day Care Treatment

Health Check-up

  • Up to Rs 2,500


 

Sum Insured Available:

  • 10.0 lacs
sum insured

Inpatient Hospitalisation (Room rent limit):

  •  No limit
inpatient-hospitalization
pre-hospitalisation medical expenses

Post-hospitalisation medical expenses:

  • Covered up to 60 days before date of hospitalisation.

pre-hospitalisation medical expenses

Post-hospitalisation medical expenses

  • Covered up to 180 days post discharge from hospital. 

Waiting period for Specific diseases

  • 24 months
waiting period for specific diseases

Waiting period for pre-existing diseases

  • 24 months
waiting period for specific diseases
new born baby

Waiting period for pre-existing diseases

  • 36 months
Delivery charges

Day Care Treatment

  • Covered

Domiciliary Treatment (Treatment at Home)

  • Covered up to the limit of sum insured.
Domiciliary Treatment

Organ Donor

  • Covered up to sum insured
organ donor
Ambulance Cover

Ambulance Cover

  • Up to Rs 2,000 paid per hospitalisation event

Daily Allowance

Hospital Cash Benefit (only in case of shared accommodation)

  • Rs 800, maximum Rs 4,800 

Expert Opinion

  • One opinion per policy year

expert opinion

Air Ambulance Cover

  • Covered up to Rs 2.5 lacs per hospitalisation and maximum up to sum insured in a policy year.

Air Ambulance Cover
cashless-facility

Restoration benefit after exhaustion of sum insured

  • 100% of the sum insured once in a policy year

No claim Bonus or Cumulative Bonus

No claim Bouns

  • 50% of sum insured for every claim free year. Maximum limit 100%. In case of claim the bonus is reduced by 50%.​

Day Care Treatment

Health Check-up

  • Up to Rs 5,000


 

Sum Insured Available:

  • 15.0 lacs
sum insured

Inpatient Hospitalisation (Room rent limit):

  •  No limit
inpatient-hospitalization
pre-hospitalisation medical expenses

Post-hospitalisation medical expenses:

  • Covered up to 60 days before date of hospitalisation.

pre-hospitalisation medical expenses

Post-hospitalisation medical expenses

  • Covered up to 180 days post discharge from hospital. 

Waiting period for Specific diseases

  • 24 months
waiting period for specific diseases

Waiting period for pre-existing diseases

  • 24 months
waiting period for specific diseases
new born baby

Waiting period for pre-existing diseases

  • 36 months
Delivery charges

Day Care Treatment

  • Covered

Domiciliary Treatment (Treatment at Home)

  • Covered up to the limit of sum insured.
Domiciliary Treatment

Organ Donor

  • Covered up to sum insured
organ donor
Ambulance Cover

Ambulance Cover

  • Up to Rs 2,000 paid per hospitalisation event

Daily Allowance

Hospital Cash Benefit (only in case of shared accommodation)

  • Rs 800, maximum Rs 4,800 

Expert Opinion

  • One opinion per policy year

expert opinion

Air Ambulance Cover

  • Covered up to Rs 2.5 lacs per hospitalisation and maximum up to sum insured in a policy year.

Air Ambulance Cover
cashless-facility

Restoration benefit after exhaustion of sum insured

  • 100% of the sum insured once in a policy year

No claim Bonus or Cumulative Bonus

No claim Bouns

  • 50% of sum insured for every claim free year. Maximum limit 100%. In case of claim the bonus is reduced by 50%.​

Day Care Treatment

Health Check-up

  • Up to Rs 8,000


 

Sum Insured Available:

  • 20.0 / 25.0 / 50.0 lacs
sum insured

Inpatient Hospitalisation (Room rent limit):

  •  No limit
inpatient-hospitalization
pre-hospitalisation medical expenses

Post-hospitalisation medical expenses:

  • Covered up to 60 days before date of hospitalisation.

pre-hospitalisation medical expenses

Post-hospitalisation medical expenses

  • Covered up to 180 days post discharge from hospital. 

Waiting period for Specific diseases

  • 24 months
waiting period for specific diseases

Waiting period for pre-existing diseases

  • 24 months
waiting period for specific diseases
new born baby

Waiting period for pre-existing diseases

  • 36 months
Delivery charges

Day Care Treatment

  • Covered

Domiciliary Treatment (Treatment at Home)

  • Covered up to the limit of sum insured.
Domiciliary Treatment

Organ Donor

  • Covered up to sum insured
organ donor
Ambulance Cover

Ambulance Cover

  • Up to Rs 2,000 paid per hospitalisation event

Daily Allowance

Hospital Cash Benefit (only in case of shared accommodation)

  • Rs 1,000, maximum Rs 6,000;

Expert Opinion

  • One opinion per policy year

expert opinion

Air Ambulance Cover

  • Covered up to Rs 2.5 lacs per hospitalisation and maximum up to sum insured in a policy year..

Air Ambulance Cover
cashless-facility

Restoration benefit after exhaustion of sum insured

  • 100% of the sum insured once in a policy year

No claim Bonus or Cumulative Bonus

No claim Bouns

  • 50% of sum insured for every claim free year. Maximum limit 100%. In case of claim the bonus is reduced by 50%.​

Day Care Treatment

Health Check-up

  • Up to Rs 10,000


 

Features
Plan1
Plan2
Plan3
Plan4
Plan5
Sum Insured (lacs)
3.0
5.0
10.0
15.0
20.0
25.0
50.0
Pre-hospitalisation period 60 days 60 days 60 days 60 days 60 days
Post-hospitalisation period 180 days 180 days 180 days 180 days 180 days
Day Care Treatment All day care treatments covered All day care treatments covered All day care treatments covered All day care treatments covered All day care treatments covered
Inpatient Treatment Covered up to sum insured Covered up to sum insured Covered up to sum insured Covered up to sum insured Covered up to sum insured
Ambulance Cover (Reimbursement of Ambulance expenses) Up to Rs 2,000 per hospitalisation event Up to Rs 2,000 per hospitalisation event Up to Rs 2,000 per hospitalisation event Up to Rs 2,000 per hospitalisation event Up to Rs 2,000 per hospitalisation event
Daily cash cover for choosing shared accommodation Rs 800/day, maximum Rs 4800 Rs 800/day, maximum Rs 4800 Rs 800/day, maximum Rs 4800 Rs 800/day, maximum Rs 4800 Rs 1000/day, maximum Rs 6000
Expert opinion in case of critical illness One opinion per policy year One opinion per policy year One opinion per policy year One opinion per policy year One opinion per policy year
Emergency Air Ambulance Cover Not Covered Not Covered Covered up to Rs 2.5 lacs per hospitalisation and maximum up to sum insured in a year Covered up to Rs 2.5 lacs per hospitalisation and maximum up to sum insured in a year Covered up to Rs 2.5 lacs per hospitalisation and maximum up to sum insured in a year
Restoration benefit after exhaustion of sum insured (once during the policy year) 100% 100% 100% 100% 100%
No claim Bonus 50% of sum insured for every claim free year. Maximum limit 100%. In case of claim the bonus is reduced by 50% 50% of sum insured for every claim free year. Maximum limit 100%. In case of claim the bonus is reduced by 50% 50% of sum insured for every claim free year. Maximum limit 100%. In case of claim the bonus is reduced by 50% 50% of sum insured for every claim free year. Maximum limit 100%. In case of claim the bonus is reduced by 50% 50% of sum insured for every claim free year. Maximum limit 100%. In case of claim the bonus is reduced by 50%
Health Check-up Not Available Up to Rs 1,500 Up to Rs 2,000 Up to Rs 4,000 Up to Rs 5,000
Waiting Period for Specific Diseases 24 months 24 months 24 months 24 months 24 months
Waiting Period for Pre-existing Diseases 36 months 36 months 36 months 36 months 36 months
Domiciliary Treatment (Treatment at Home) Covered up to the limit of sum insured Covered up to the limit of sum insured Covered up to the limit of sum insured Covered up to the limit of sum insured Covered up to the limit of sum insured
Waiting Period for Pre-existing Diseases 36 months 36 months 36 months 36 months 36 months
Organ Donor Covered up to the limit of sum insured Covered up to the limit of sum insured Covered up to the limit of sum insured Covered up to the limit of sum insured Covered up to the limit of sum insured

Sum Insured Available:- Starts From 4.5 lacs   to 50 lacs

Sum Insured Available:

  • 3.0 lacs
sum insured

Inpatient Hospitalisation (Room rent limit):

  •  No limit
inpatient-hospitalization
pre-hospitalisation medical expenses

Post-hospitalisation medical expenses:

  • Covered up to 60 days before date of hospitalisation.

pre-hospitalisation medical expenses

Post-hospitalisation medical expenses

  • Covered up to 180 days post discharge from hospital. 

Waiting period for Specific diseases

  • 24 months
waiting period for specific diseases

Waiting period for pre-existing diseases

  • 36 months
waiting period for specific diseases
new born baby

Waiting period for first Delivery, New Born cover and Bariatric Surgery

  • 36 months
Delivery charges

Day Care Treatment

  • Covered

Domiciliary Treatment (Treatment at Home)

  • Covered up to the limit of sum insured.
Domiciliary Treatment

Organ Donor

  • Covered up to sum insured
organ donor
Ambulance Cover

Ambulance Cover

  • Up to Rs 2,000 paid per hospitalisation event

Daily Allowance

Hospital Cash Benefit (only in case of shared accommodation)

  • Rs 800, maximum Rs 4,800 

Expert Opinion

  • One opinion per policy year

expert opinion

Air Ambulance Cover

  • Not Available

Air Ambulance Cover
cashless-facility

Restoration benefit after exhaustion of sum insured

  • 100% of the sum insured once in a policy year

No claim Bonus or Cumulative Bonus

No claim Bouns

  • 50% of sum insured for every claim free year. Maximum limit 100%. In case of claim the bonus is reduced by 50%.​

Day Care Treatment

Health Check-up

  • Not Available


 

About Happoos

We love our families and want to do the best for them. The decisions we make and the actions we take have the needs and the interest of the family at its core. One of the best decisions you can take for your family is to invest in a health insurance policy.