BAGIC Apollo Munich

Features Optima Optima Optima Optima Optima

Health Health
Restore 3 Restore 5 Restore 10 Restore 15 Restore 20,
Guard Silver Guard Gold
Lac Lac Lac Lac 25, 50 Lac
1% of SI per
Room rent Actual Actual Actual Actual Actual Actual
day
ICU Charges Actual Actual Actual Actual Actual Actual Actual
Pre 60 days 60 days 60 days 60 days 60 days 60 days 60 days
Post 90 days 90 days 180 days 180 days 180 days 180 days 180 days
All under All under All under All under All under All under All under
Day Care
definition of definition of definition of definition of definition of definition of definition of
Treatments
day care day care day care day care day care day care day care
Organ Up to sum Up to sum Up to sum Up to sum Up to sum Up to sum Up to sum
Donor insured insured insured insured insured insured insured
Upto Upto Up to Up to Up to Up to Up to
Ambulance
20000/- per 20000/- per 2000/hospit 2000/hospit 2000/hospit 2000/hospit 2000/hospit
cover
policy year policy year alization alization alization alization alization
Up to 2.5 Up to 2.5 Up to 2.5
Emergency
Lac/hospital Lac/hospital Lac/hospital
Air Not Not Not Not
ization, Max ization, Max ization, Max
Ambulance available available available available
up to sum up to sum up to sum
Cover
insured insured insured
> 10 days > 10 days
Convalescen hospitalistio hospitalistio Not Not Not Not Not
ce Benefit: n, Rs. 5000 n, Rs. 7500 available available available available available
per policy per policy
Daily Cash Rs. 500 per Rs. 500 per
Benefit for day day Not Not Not Not Not
Accompanyi maximum maximum available available available available available
ng an up to 10 up to 10
Daily Cash
Not Not
for 800/day, 800/day, 800/day, 800/day, 1000/day,
available available
choosing Max 4800 Max 4800 Max 4800 Max 4800 Max 6000
Once in Once in Once in Once in Once in Once in Once in
Sum Insured policy policy policy policy policy policy policy
Reinstateme period, for period, for period, for period, for period, for period, for period, for
nt Benefit similar similar similar similar similar similar similar
illness too illness too illness too illness too illness too illness too illness too
Maternity Not Up to Rs. Not Not Not Not Not
Expenses available 35000 available available available available available
New Born Not Within Not Not Not Not Not
Baby available maternity SI available available available available available
50% of Sum
Bariatric
Not insured Not Not Not Not Not
Surgery
available maximum available available available available available
Cover
up to Rs. 5
 Every 3 yrs, Every 3 yrs, Individual Individual Individual Individual
1% of sum 1% of sum up to up to up to up to
Preventive insured, insured, 1500/perso 2000/perso 4000/perso 5000/perso
Not
Health max Rs. max Rs. n n n n
available
Checkup 2000/-, 5000/-, Floater up Floater up Floater up Floater up
irrespective irrespective to to to to
of claim of claim 2500/policy 5000/policy 8000/policy 10000/polic
Ayurvedic up to 20000
and , available in
Not Not Not Not Not Not
Homeopathi all approved
available available available available available available
c ayurvedic
Hospitalisati hospitals
Domiciliary Not Not Up to sum Up to sum Up to sum Up to sum Up to sum
Treatment available available insured insured insured insured insured
E-Opinion in One opinion One opinion One opinion One opinion One opinion
Not Not
respect of a per policy per policy per policy per policy per policy
available available
Critical year year year year year
Underwri
ting
guideline 3Months , 3Months , 3Months , 3Months , 3Months , 3Months , 3Months ,
Entry age
18yrs for 18yrs for 18yrs for 18yrs for 18yrs for 18yrs for 18yrs for
Min
Proposer Proposer Proposer Proposer Proposer Proposer Proposer
30yrs for 30yrs for 25 yrs for 25 yrs for 25 yrs for 25 yrs for 25 yrs for
Entry age children, children, children, children, children, children, children,
Max 65yrs for 65yrs for 65yrs for 65yrs for 65yrs for 65yrs for 65yrs for
adults adults adults adults adults adults adults
Renewal Lifelong Lifelong Lifelong Lifelong Lifelong Lifelong Lifelong
3/4/5/7.5/1 3/5/10/15/ 3/5/10/15/ 3/5/10/15/ 3/5/10/15/ 3/5/10/15/
Sum insured 1.5/2 lacs 0/15/20/25 20/25/50 20/25/50 20/25/50 20/25/50 20/25/50
/30/35/40/ Lacs Lacs Lacs Lacs Lacs
• Proposer
• Proposer
/Spouse
/Spouse
/Parents/Sis
/Parents/Sis
ter/
ter/
Brother/In
Brother/In spouse, spouse, spouse, spouse, spouse,
Family laws/ Aunt/
laws/ Aunt/ dependent dependent dependent dependent dependent
definition Uncle
Uncle children and children and children and children and children and
•
• dependent dependent dependent dependent dependent
Dependent
Dependent parents and parents and parents and parents and parents and
Children/Gr
Children/Gr dependent dependent dependent dependent dependent
andchildren
andchildren: in laws in laws in laws in laws in laws
Individual Individual Individual Individual Individual Individual Individual
Sum insured
and Floater and Floater and Floater and Floater and Floater and Floater and Floater
type
basis basis basis basis basis basis basis
Yes, Metro Yes, Metro Yes, Metro Yes, Metro Yes, Metro Yes, Metro Yes, Metro
Zone wise & Non & Non & Non & Non & Non & Non & Non
premiums Metro Metro Metro Metro Metro Metro Metro
premiums premiums premiums premiums premiums premiums premiums
Cumulative Yes 10% Yes 10% Yes 50% Yes 50% Yes 50% Yes 50% Yes 50%
bonus max 100% max 100% max 100% max 100% max 100% max 100% max 100%
Cataract
Disease 20% of sum Not Not Not Not Not
Cappings insured, available available available available available
max up to
Discounts
for 2 for 2
members members
for 2 for 2 for 2 for 2 for 2
Family 10%, for 10%, for
members members members members members
discount more than 2 more than 2
10% 10% 10% 10% 10%
members members
15% 15%
Employee Not Not Not Not Not
20% 20%
discount available available available available available
Long term 4% for 2yrs, 4% for 2yrs, 7.5% for 7.5% for 7.5% for 7.5% for 7.5% for
Policy 8% for 3yrs 8% for 3yrs 2yrs 2yrs 2yrs 2yrs 2yrs
Co pay 10% or20% 10% or20% Not Not Not Not Not
discount discount discount available available available available available
Medical > 45 yrs > 45 yrs >46 >46 >46 >46 >18
1 yr, 2 yrs & 1 yr, 2 yrs &
Policy term 1 yr, 2 yrs 1 yr, 2 yrs 1 yr, 2 yrs 1 yr, 2 yrs 1 yr, 2 yrs
3 yrs 3 yrs
Waiting
Periods
Pre existing 36 months 36 months 36 months 36 months 36 months 36 months 36 months
Specific
24 months 24 months 24 months 24 months 24 months 24 months 24 months
Disease
Joint
Replacemen 36 months 36 months 24 months 24 months 24 months 24 months 24 months
t, PIVD,
30days Yes Yes Yes Yes Yes Yes Yes
Maternity Not Not Not Not Not Not
72 months
waiting available available available available available available