Welcome to Apollo Munich Health Insurance Co. Ltd.

Urban spending in healthcare will increase due to a variety of factors

Why Health Insurance ?Factors

Increase in Lifestyle Diseases

Enhanced Quality of Hospitals

Increasing Affluence

Healthcare Spend in India

12902250

To double in next 5 yearsFin

ancia

l Yea

r’09

Finan

cial Y

ear’1

3

Billion

How do you ensure you can get the best quality treatment even if it costs a lot?

Reduce savings- Postpone a dream

Borrow money- Lose dignity

Do nothing- Pray

Compromise- Feel guilty

Take Health Insurance- Protect what’s dear to you

Why Apollo Munich

We know healthcare.

We know insurance.

Over 5000 Experts across 26 locations worldwide,Customers from over 100 countries

53 Hospitals, 1068 Pharmacies, 8000 Doctors and Trust of 19 million patients

Philosophy

Let’s Uncomplicate.Not only a positioning but a belief and journey.We make quality healthcare easy and accessible. Simple language, clear policies, transparent procedures and innovative products, making health insurance the way it ought to be.

Great Customer Service.

100% Lifelong Renewal.

Clear Policy Wordings and Conditions.

Tax Deduction under Section 80D*

Our Healthcare and Health Insurance expertise.

One of the Fastest Claims settlement in the Industry.

All our plans come with...

*Tax benefits are subject to changes in the Income Tax Act.

OPTIMA PLUS

• I HAVE A GROUP COVER from my employer

• ITS EXPENSIVE, I will buy it next year

• I need it but only WHEN I RETIRE

?Do I need Health Insurance?

No I don’t BECAUSE …

• That tops up your existing group or individual policy by an additional Rs 5 lakhs at a minimal price.

• Remains active when you shift between jobs.

• Grows into a comprehensive health insurance plan at retirement.

What if you get a Plan

INTRODUCING OPTIMA PLUS

Makes existing cover adequateTop up Existing policy either individual or Group

Remains active when you change jobsJob hopping don’t expose you to high risk

Easy BuyInexpensive Proposition and easy to buy

PLUS BenefitGrow at retirement to a full fledged policy

Suitability

The minimum and maximum entry age under this plan is 91 days and 65 years respectively (age is calculated as the completed age as on the last birthday).

Child between 91 days to 5 years can be insured only when either parent is getting insured under this policy

Cover Ceasing Age – No cover ceasing age under this policy

Coverage - On individual sum insured basis

Family Definition – Self, spouse, dependent children and dependent parents

Policy Period – 1 or 2 Year(s)

Sum Insured – Rs 500,000

Deductible* – Rs 1 Lac, 2 Lac, 3 Lac, 4 Lac & 5 Lac

Pre Policy Checkup – No pre policy checkup required upto 45 years

* The Deductible is the amount of money that one would need to pay for his medical expenses (either through his own pocket or personal / group insurance plan) before any benefits from his health insurance policy can be used.

In-patient TreatmentHospitalization expenses due to an illness or accident.

Pre-Hospitalization Medical expenses incurred in 60 days immediately before hospitalisation.

Post-Hospitalization Medical expenses incurred in 90 days immediately after discharge from hospital.

Day Care ProceduresCoverage for enlisted 140 day care procedures which do not require 24 hours hospitalization.

Organ Donor Medical expenses for harvesting of the organ donated to the Insured person.

Emergency Ambulance Expenses up to Rs. 2000 per hospitalization.

Domiciliary Treatment Medical expenses incurred by an Insured person for availing medical treatment at his home which would otherwise have required hospitalization.

The policy pays for the benefits, exceeding the deductible opted by the insured member

BENEFITS

Making you RETIREMENT ready

Your small top up cover to become a comprehensive inpatient cover at RETIREMENT.

Rs. 5 Lakhs sum insured inpatient cover at RETIREMENT

No waiting periodAll major diseases covered at RETIREMENT.

Hassle free process and Risk free post RETIREMENT

Grow to a full cover at Retirement

Remember:You need to buy the policy before 50 years of age and renew the policy continuously without interruption.

PLUS benefit can be opted at the age group of 58-60 years at the time of renewal only.

Portability for WAIVER OF WAITING PERIODS would be provided to the extent of benefits covered in the policy.

Unique

PLUS BENEFIT

All premium rates are exclusive of service tax and applicable cess.Premium rates can be revised subject to approval from IRDA

Sum Insured 500,000 500,000 500,000 500,000 500,000

Deductible 100,000 200,000 300,000 400,000 500,000

91 Days - 35 Years 1,999 1,049 899 799 699

36-45 Years 2,750 1,500 1,400 1,300 1,200

46-60 Years 4,813 2,925 2,170 2,015 1,860

61-75 Years 10,106 5,704 3,472 2,519 2,325

>75 Years 24,053 14,254 9,090 6,894 6,640

Family Discount10%

2 or more members in one policy

Loyalty Discount7.5%

Opting for 2 years plan

Income TaxU/S 80D

Subject to changes in Income Tax Act

How much you need to Pay…Annual Premium

(All figures in INR)

Offerings Apollo Munich Majority of othersPLUS Benefit

Makes you Retirement readyExclusively with Optima Plus Not Offered

Family DiscountIf 2 or more members are covered

10% Discount Not Offered

Life Long Policy RenewalNo cover ceasing age

100% Offer cover around 75 years only

No Sub-limits on Room RentNo need to compromise on facilities

when it comes to healthcare

Covered Limit of room rent up to 1% of the sum insured

Day Care ProceduresCoverage for minor treatments

not requiring hospitalisation

140 Day care procedures covered Coverage not offered by most Insurers

Organ Donor Expenses Covered Not Covered by most Insurers

Flexi PlanChange deductible option

Exclusively with Optima Plus Not offered

What We OFFER & Others DON’T

• Deductible: Clams will be paid when the medical expenses exceed the deductible amount opted by the insured member. Deductible

shall be applicable for each and every Hospitalisation except claims made for any one Illness.

• Any One Illness: We shall not wait for deductible to exhaust again in case of any relapse due to the same illness within 45 days from the last

consultation/discharge from hospital where we have paid claim. However, any event of hospitalization post the 45 days will be treated as fresh hospitalization and shall be subject to deductible.

• 30 days waiting period: Medical expenses arising out of accidental emergency conditions only will be paid for the first 30 days of policy.

• 2 years disease specific waiting period: For specific diseases like cataract, hernia, hysterectomy, joint replacement, hydrocele etc. claims would be payable only after

insured member has completed 2 consecutive years as our insured customer

• Pre-existing Disease: In case you have any existing condition, please remember to declare all such medical conditions at the time of taking the

policy. Pre-existing diseases, except for any medical condition / disease for which we have applied specific exclusion, shall be covered from 5th year of the policy if the proposal is accepted and policy is issued to You.

• PLUS benefit eligibility: The insured member should opt for Optima Plus before the age of 50 years to avail the PLUS benefit between the age of 58 - 60 years.

Remember

• Expenses arising out of medical conditions like HIV, AIDS & related disease.

• Expenses arising out of medical conditions pertaining to internal & external congenital diseases.

• Non-allopathic treatments.

• Expenses for artificial limb and external devices.

• Expenses for Cosmetic treatment or items of personal comfort and convenience.

Optima Plus will not cover..

Please refer to the policy wording for the comprehensive set of exclusions.

Commitment

Policy Issuance:

Over 93% of the policies are issued within 7 working days while 83% of the times the policy is issued within 3 working days.

Cashless Authorization:

Over 90% of the times, the cashless authorization is done within 2 hours of claim intimation.

Claim Settlement:

Over 95% of the claims are settled within 30 days with average claims settlement duration of 15 days for clear cases.

customer

Optima Plus for YOU

YOU

TO

ENJOY

BIG

pay nominal premium

opt for higher health risk cover

full fledged cover as it turns

with retirement

Ours is an uncomplicated success story.Three of our plans have received a 5 star rating from Economic Times Wealth. Making Apollo Munich Health Insurance plans among the best in the category.Taking care of your health has been good for us.

There’s a BIG insurance HIDING inside a small one

Insu

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Apollo Munich Health Insurance Company Limited10th Floor, Tower-B, Building No: 10, DLF Cyber City,

DLF City Phase -II, Gurgaon 122002, Haryana,

Visit to our

39branch offices across IndiaOur Offices are present in all major cities which include HYDERABAD, CHENNAI, KOLKATA, BANGALORE, MUMBAI, DELHI, PUNE, AHMEDABAD, JAIPUR, CHANDIGARH, LUCKNOW and COCHIN

How to Buy

Contact us on our Toll free Number

1800-103-0555

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