While buying a health insurance policy, one should not only check Apollo Munich Optima Restore Family Hospital Cover and medical cover and other Apollo Munich Optima Restore Family benefits, but also the minimum and maximum limits of ncb available on the policy. No claim bonus on Apollo Munich Optima Restore Family is a discount provided by the insurer in case no claim is made during a policy year. The minimum no claim bonus available on this plan is 50 % of Basic Sum Insured. The maximum no claim bonus that can be accumulated under this plan is 100 % of Basic Sum Insured. Apart from NCB, Health checkup benefit is an another benefit available on some health insurance plans for not claiming the insurance for a certain specified period. This facility is available once at the end of every 2 claim free years under this plan.
Other Benefits on Apollo Munich Optima Restore Family may include benefits such as AYUSH treatment, Maternity expenses, Critical illness cover, Restoration of sum assured, Multiplier Benefits etc. AYUSH treatment includes Ayurvedic, Unani, Sidha and Homeopathic treatments. AYUSH treatment is not covered under this plan. Maternity expenses are not covered under this plan. Critical illness cover is the cover under which a health insurance plan provides cover for certain critical illnesses mentioned in the policy wordings. Critical illness cover is available under this plan. Apollo Munich Optima Restore Family Terms and Conditions provides the conditions under which critical illnesses or pre-existing diseases are covered. Various illnesses such as Cancer, Cancer of specified severity, Major Organ/Bone Marrow Transplant, Open Heart Replacement, Permanent Paralysis of Limbs, Repair of Hearth Valves and Surgery of Aorta is provided this policy insurer.
Accidental death benefit under accidental cover of Apollo Munich Optima Restore Family refers to the amount that is paid if the insured person dies due to an accident. This cover is not covered under this policy. Child education benefit is a cover which pays a predefined amount towards the dependent child's education. It is is not offered in this plan. Permanent total disablement cover for this policy is the one that pays out in case of complete disability due to accident. Permanent total disablement cover is not available in Apollo Munich Optima Restore Family. Also, temporary disablement benefit is not covered under the plan. Restoration of sum insured benefit reinstates the sum assured if it gets used up before the end of policy period. This faciltiy is Available for this policy. Multiplier benefit is the benefit under which the insurance company increases the sum assured by a certain amount if no claim is made in the previous term. This benefit is available under the policy.
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