Apollo Munich Optima Restore - Policy Brochure
Apollo Munich Optima Restore - Policy Brochure
Apollo Munich Optima Restore - Policy Brochure
BIG BENEFITS.
Optima Restore with Stay Active benefit.
Optima Restore
Health Insurance Plan
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Now with Stay Active benefit, simply walk your way to good health and earn upto 8%
discount on your renewal premium.
The more you walk, the healthier you and your family gets!
Stay Active benefit comes along with the other Uncomplicated Benefits such as Auto
restoration of sum insured if utilized during the year, 100% no claim bonus after 2
claim free years and much more!
RESTORE
BENEFIT
HEALTH
CHECK UP
2X
t Life-long Renewal: We offer life-long renewal regardless of your health status or previous
claims made under your policy, unless the Insured Person or any one acting on behalf of an
Insured Person acts in a dishonest or fraudulent manner or if there is any misrepresentation
TERMS OF under or in relation to this policy or it poses a moral hazard.
RENEWAL: t Waiting Period: The waiting periods mentioned in the policy wording will get reduced by 1 year
LIFE-LONG on every continuous renewal of your policy.
RENEWAL
t Renewal premium are subject to change with prior approval from IRDAI. Any change in
benefits or premium (other than due to change in Age) will be done with the approval of the
Insurance Regulatory and Development Authority and will be intimated at least 3 months in
advance.
In the likelihood of this policy being withdrawn in future, intimation will be sent to insured
person about the same 3 months prior to expiry of the policy. Insured Person will have the
option to migrate to similar indemnity health insurance policy available with us at the time
of renewal with all the accrued continuity benefits such as Multiplier Benefit, waiver of
waiting period etc; provided the policy has been maintained without a break as per portability
guidelines issued by IRDAI.
t Sum Insured Enhancement: Sum Insured can be enhanced only at the time of renewal subject
to no claim having been lodged/paid under the Policy. If the insured increases the Sum Insured
one grid up, no fresh medicals shall be required. In case where the Sum Insured increase is
more than one grid up, the case shall be subject to medicals. In case of increase in the Sum
Insured, waiting period will apply afresh for the amount by which the Sum Insured has been
enhanced. However, the quantum of increase shall be at the discretion of the company.
t Any Insured Person in the policy has the option to migrate to similar indemnity health
insurance policy available with us at the time of renewal subject to underwriting with all the
accrued continuity benefits such as Multiplier Benefit, waiver of waiting period etc; provided
the policy has been maintained without a break as per portability guidelines issued by IRDAI.
TAX BENEFIT
t Family Discount of 10% if 2 or more family members are covered under Optima Restore Individual
Sum Insured Plan. (Discount is not applicable on the Critical Advantage Rider premium)
t An additional 7.5% discount is offered on the premium if you choose a 2 year policy.
STAY
ACTIVE
t We will offer a discount at each renewal if the insured member achieves the average step count
target on the mobile application provided by us. In an individual policy, the average step count would
be calculated per adult member and in a floater policy it would be an average of all adult members
covered. Dependent children covered either in individual or floater plan will not be considered for
calculation of average steps.
In individual policies the discount percentage (%) would be applied on premium applicable per insured
member (Dependent Children are not eligible for this stay active discount in an individual policy) and in a
floater policy it would be applied on premium applicable on policy.
The discount provided would be as per the table below:
Average Step Count Renewal Discount
5000 or below 0%
5001 to 8000 2%
8001 to 10000 5%
Above 10000 8%
The mobile app must be downloaded within 30 days of the policy risk start date to avail this benefit.
The average step count completed by an Insured member would be tracked on this mobile application.
We reserve the right to remove or reduce any count of steps if found to be achieved in unfair manner
by manipulation.
DISCLAIMER ›
This is only a summary of the product features. The actual benefits available are as described in the policy, and will
be subject to the policy terms, conditions and exclusions. Please seek the advice of your insurance advisor if you
require any further information or clarification.
STATUTORY WARNING ›
Section 41 of Insurance Act 1938 as amended by Insurance Laws Amendment Act, 2015 (Prohibition of Rebates):
No person shall allow or offer to allow, either directly or indirectly, as an inducement to any person to take out or renew
or continue an insurance in respect of any kind of risk relating to lives or property in India, any rebate of the whole
or part of the commission payable or any rebate of the premium shown on the policy, nor shall any person taking out
or renewing or continuing a Policy accept any rebate, except such rebate as may be allowed in accordance with the
published prospectuses or tables of the insurers. Any person making default in complying with the provision of this
section shall be liable for a penalty which may extend to 10 lakh rupees.
REACH US
For more details on risk factors, terms and conditions, please read the sales brochure carefully befor*(32(08).2,&6&0*<!!*,.675&7.3281'*5 <35435&7*)*27.7;81'*5$
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