Health Insurance 3711 views November 14, 2019

Apollo Munich Optima Restore Family Health Insurance plan

A good health insurance policy is a necessity these days, considering the ever-rising costs. Irrespective of how good you are at saving money, hospitalization for a few days is enough to wipe a major chunk of your savings. To help you in such situations, Apollo Munich has come up with the Health Optima Restore insurance plan. This is a comprehensive health insurance plan with some smart features such as automatic restore of the sum insured if you make any claims during the year. Health Optima Restore is available both for individuals and family members and is a plan that offers great levels of flexibility and is affordable.

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Some of the salient features of the Apollo Munich Optima Restore Family Health Insurance Plan

Restore insurance plan are as follow

  1. It is a comprehensive health insurance plan, offering a unique feature of restoration of the sum insured during a term year, without you having to pay anything extra.
  2. Under the plan, if you make any claims during a year, the insurer will restore the entire sum insured so that you have sufficient coverage for any other medical emergencies.
  3. Apollo Munich Optima Restore Family Health Plan provides you access to cashless service across 5000+ hospitals in more than 900, that have around 12,000 highly qualified doctors.
  4. The plan has an excellent Multiplier benefit, which allows you to increase the sum insured by 100% in just two years. If you do not make any claims during a term, the sum insured of the policy increases by 50%. Thus, within 2 years, you can double the sum insured.
  5. If you are interested in taking any preventive health checkups, the plan will reimburse the associated expenses.
  6. Apollo Munich Optima Restore Family Health Plan is available from a minimum sum insured of INR 3 Lakh to a maximum sum insured of INR 50 Lakhs.
  7. With this plan, you do not have to worry about any pre-hospitalisation or post-hospitalization charges up to 60 days and 90 days respectively of a medical procedure.
  8. Advanced technology has made it possible for certain procedures to be completed within a day and Apollo Munich Optima Restore Family Health Insurance Plan offers coverage for the same.
  9. If you wish to donate your organs, the plan will cover expenses related to the harvesting of organs.
  10. There are a few medical conditions, for which one can receive treatment at their homes. Apollo Munich’s health plan covers such instances as well, which otherwise would have resulted in hospitalization.
  11. Apollo Munich Optima Restore Family Health Plan understands the nature of critical illnesses and thus offers a second opinion should a policyholder be diagnosed with any such illnesses. The e-Opinion facility is provided by a panel of Medical Practitioners by Apollo Munich.
  12. For any life-threatening conditions, an air ambulance is one of the quickest ways to move a patient around. Apollo Munich Optima Restore Family Health Insurance Plan would cover such expenses.
  13. For any pre-existing diseases, a policyholder must wait for 36 months, post which the diseases will be covered as a part of the plan.
  14. The Stay Active benefit ensures that you receive a discount of up to 8% on your policy renewal if you stay active. Walking or running regularly will ensure that you stay active and reduce the possibilities of medical conditions.
  15. The plan comes with a lifelong renewal option so that you never run out of medical cover. Apollo Munich Optima Restore Family Health Insurance Plan does not have any co-pay, additional payments during renewals or hidden sub-limits.
  16. You can avail of additional discounts if you add more than two members for a long-term plan.
  17. The plan is available for both individuals as well as a family floater plan.

The Apollo Munich Optima Restore Family Health insurance Plan excludes the following from its coverage

  1. The health plan does not offer cover for attempted suicide cases.
  2. The plan also does not offer coverage for injuries or accidents related to adventure sports such as parachuting, racing, diving, mountain climbing, etc.
  3. If you are involved in any military, air force or navy operations, the plan does offer coverage for such injuries or illnesses.
  4. Apollo Munich Optima Restore Family Health Insurance Plan excludes treatment related to infertility, expenses related to HIV or AIDS, cosmetic and plastic surgeries, etc.
  5. If you are involved in some weight loss programs, surrogacy pregnancy, congenital diseases, etc. the plan will not cover them as well.
  6. Any injuries incurred in war-like situations, nuclear attack, biological weapons, chemical weapons, exposure to radiation, etc.
  7. Any form of insured due to abuse of alcohol or intoxicants or breach of the law in any form is not covered as a part of the plan.

Documents that you must submit for claims

  1. A claim form is duly signed along with your policy number.
  2. All hospitalization related documents, discharge summary, diagnostic reports, medical bills, etc. in originals.
  3. If you have undergone any similar treatments in the past, supporting documents would be helpful in the claims.
  4. If the policyholder was involved in an accident, a copy of MLC or FIR.
  5. A cancelled cheque or an attested copy of the bank statement, of the account where you want to receive the payments.

The claim process for Apollo Munich Optima Restore Family Health Insurance Plan

  1. For reimbursement of medical expenses, you need to submit all the documents along with the claim form within 15 days of completion of treatment.
  2. Apollo Munich will reach out to you for any additional information or documents within 7 days of receiving the documents.
  3. Once they receive the complete set of documents required for claims, the claim will be settled within 30 days.
  4. To avail cashless service, a policyholder must inform the insurer 48 hours before hospitalization. And in the case of an emergency, the insurer must be informed within 24 hours.
  5. The insurer will check of availability of all documents and revert within 6 hours for any additional documents.


The Apollo Munich Optima Restore Family Health Insurance Plan is ideal for individuals looking for a plan that reinstates the sum insured without having to pay any additional amount. The health insurance plans has several other benefits in the form of no room rent cap, attractive no claim bonus, sum insured multiplier and an exhaustive list of hospitals across the country. The plan is available at attractive prices, making the purchase even better.

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