Besides this, the policy includes a Multiplier Benefit, which is another amazing feature. It allows the policy holder to get the basic sum insured increased by 50% if he/she has a claim free year. This comes as a no claim bonus, giving a beneficial service to the insured. It gets further extended in next year if the insured still does not apply for claim. In the second year, the policy doubles the sum insured making it 100% of the insurance amount. These two beneficial features make this plan different from various other health coverage plans.
Apollo Munich aims at providing best health care services to people. To fulfill this need it has emerged with several comprehensive health plans. By formulating cost effective policies it enables people of all income groups to avail the best health treatment. Optima restore is one such plan that is enriched with numerous benefits. It is a plan that comes with the facility of lifelong renewal. The insured can stay covered for an extended period of time.
In addition it includes the feature of cashless hospitalization. The policy holder can enjoy the health treatment on cashless basis across 4000 hospitals that come within the empanelled network. It also provides coverage for the pre and post- hospitalization expenses. To join the list there are features like in- patient treatment, coverage for day care procedures and emergency ambulance. This makes it a complete package that can fulfill the basic medical care needs along with the several beneficial services.
Optima Restore is available as an individual coverage plan and also as a floater policy. With all its wide ranging benefits it can cover all the family members. This plan can cater to the health needs of the entire family at the cost of a single affordable premium. The reasonable premium cost makes it a comprehensive health plan. The floater plan includes self, spouse, dependent parents and dependent children. In this way this plan is ready to offer utmost benefits to the individual or family.
Equipped with all such features, Apollo Munich has formulated this plan with various unique and never-before features.