The health insurance plans in India help to protect your family against financial emergencies and provide financial assistance to you and your family. They cover you against hospitalisation expenses from diseases, illnesses or injuries. Individual Health Plans: Optima Restore – The Unbelievable Health Plan: Optima Restore is an individual plan offering coverage from the age of 5 years to 65 years. Benefits can also be extended to your child by covering him after 3 months or 91 days from birth. The plan offers lifelong renewability as there is no cover ceasing age. A unique restore benefit automatically reinstates the basic sum insured in case it is exhausted in a policy year. One advantage is the multiplier benefit, which doubles the sum insured in 2 claim free years Energy – The Sweetest Thing for People Living with Diabetes: Energy is a specialised policy covering diabetes and related ailments. Coverage is offered on individual sum insured basis for one year. There is no 30 days waiting period and cover ceasing age in this policy. The cover is available with and without the co-payment option of 20%. The Gold variant includes cost of wellness tests, while the Silver does not include this Easy Health – Our Plan For Young Family: This health policy provides full protection in case of any illness or medical emergency for you and your family. The plan offers coverage on individual sum insured basis and an optional cover for critical illnesses. It can be easily upgraded at the time of renewal and there is no cover ceasing age. The policy period may be 1 or 2 years. Easy Health – Our Premium Plan: This policy can be issued to an individual and/or family for a period of 1 or 2 years. The sum insured and benefits accrue on a policy year basis. This premium plan protects against maternity expenses, outpatient dental cover, recovery benefits and also the cost of spectacles and hearing aids. The policy has 2 coverage options – for individuals under the Easy Health Individual Health Insurance Plan and for families (floater plan) under the Easy Health Family Floater Insurance Plan Easy Health – Our Most Popular Plan: The Easy Health plan offers a comprehensive cover for medical treatment of illnesses and accidents requiring in-patient hospitalisation. Coverage is available on individual sum insured basis. In addition, there is an optional add-on cover for listed critical illnesses. The policy can be issued to an individual and/or family for a period of 1 or 2 years. The sum insured and benefits are applicable on policy year basis Optima Cash – Daily Hospital Cash Plan: Optima Cash is a daily hospital cash plan that provides support at the time of hospitalisation. No pre-policy medical check-up is required before purchasing the policy. It involves less paperwork. In fact, no medical bills are required for filing a claim. Optima Cash pays a lump sum amount, which can be utilised further towards hospitalisation expenses. This policy covers additional expenses like attendant’s food, travel and accommodation that remain uninsured in case of regular insurance plans Optima Plus – A Top Up Plan: Optima Plus is India’s only top-up health plan with an option of converting into a full-fledged nil deductible health insurance plan on retirement. It provides twin benefits, one of top-up cover and another of being a full-fledged plan. Top-up benefits include cover for higher hospitalisation expenditure. The premium is nominal and the policy can be renewed for life. The benefits on conversion into a full-fledged nil deductible plan at retirement include cashless hospitalisation, wide in-patient cover and waiver of deductibles. Maxima – Our Comprehensive Plan That Covers for the Little Illnesses Too: The Maxima plan offers unique outpatient benefits covering common illnesses including fever, stomach ache, sore throat and even chronic ailments. Outpatient benefits cover doctor’s consultation fee, medicine bills, laboratory and diagnostic tests and annual health check-ups for 18 years and above. Those above 45 years can opt for this benefit from the second year Optima Super – Aggregate Top Up Plan: Optima Super is an aggregate top-up health plan that adds to your existing cover and also offers an option to convert to a full-fledged nil deductible health insurance plan at the time of retirement. It offers sum insured at a lower cost as per requirement. It is a convertible top-up plan without deductible amount and best suited for individuals with group cover and low sum insured policies Optima Vital – The Critical Illness Plan: The critical illness plan covers a list of 37 critical illnesses. It pays a lump sum amount in case of chronic diseases and sudden illnesses, covering medical events and surgical procedures. Benefits of this plan can be availed even when one is covered under other policies. It requires the insured person to survive at least 30 days from the date of confirmed diagnosis for availing the benefit Family Floater Plans: Optima Restore – The Unbelievable Health Plan: Optima Restore offers a unique restore benefit, automatically reinstating the basic sum insured in case it is exhausted in a policy year at no extra charge. The restored sum insured can be utilised only for claims for new illness or disease for the insured person during the same policy year and the restored benefit cannot be carried forward to the next year. This plan also rewards if the policy is not claimed with a multiplier benefit. This multiplier benefit doubles the basic sum insured in 2 claim free years Easy Health – Our Most Popular Plan: Easy Health is Apollo Munich Health Insurance’s most popular plan and protects your family from unforeseen emergency expenses. It also offers a comprehensive cover for medical treatment of illnesses and accidents requiring in-patient hospitalisation. The plan offers coverage on floater sum insured basis and also offers an add-on optional cover for listed critical illnesses Easy Health – Our Plan For Young Family: Easy Health family floater plan protects the family not only from unforeseen emergency expenses, but also offers a comprehensive cover for medical treatment of illnesses and accidents requiring in-patient hospitalisation. The plan covers maternity expenses, recovery benefit and lets one avail health check up benefit at every fourth renewal irrespective of the number of claims. It offers an add-on optional cover for listed critical illnesses Easy Health – Our Premium Plan: Easy Health family floater plan protects the family not only from unforeseen emergency expenses, but also offers a comprehensive cover for medical treatment of illnesses and accidents requiring in-patient hospitalisation. This premium plan covers maternity expenses, outpatient dental cover, recovery benefit, cost of spectacles and hearing aids and also lets you avail health check up benefits at every third renewal irrespective of claims. It also offers an add-on optional cover for listed critical illnesses Optima Super – Aggregate Top Up Plan: Optima Super is an aggregate plan that offers varied sum insured and deductible combinations allowing optimum coverage as per requirements. It also gives an option of conversion into a full nil deductible plan on retirement Senior Citizen Plan: Optima Senior: Optima Senior, as the name suggests is a plan exclusively for senior citizens and offers comprehensive cover for medical treatment of illnesses and accidents requiring in-patient hospitalisation
