OPTIMA RESTORE

1) BENEFITS OVERVIEW

• Restore Benefit – Full reinstatement of Sum Insured even for related illness and same
person.

• Pre Hospitalization – Medical Expenses that are incurred in 60 Days before hospitalization
are covered.

• Post Hospitalization – Medical Expenses that are incurred in 180 Days Post Hospitalization
are covered.

• Day Care Treatment – All Day Care Treatments that take less than 24 hours of
hospitalization due to technological advancement.

• Bonus on No Claim – Incremental cover upto Rs 2.5 Lac Added for every claim free year to
a cumulative maximum of Rs 5 lacs; reduction by Rs 2.5 Lacs if there is a claim.

• Domiciliary Treatment – Treatments done at home due to patient condition or unavailability

of hospital bed are covered upto sum insured.

• Ambulance Charges – Upto Rs 2000 per hospitalization.

• Emergency Air Ambulance – Available for Sum Insured of 10 Lac and above.

• Worldwide Emergency – Not Covered.

• No Co – Pay

• No Sub Limits

• Long Life Renewal

2) Waiting Periods

• For first 30 Days – Only Accident is Covered.

• After 30 Days – Seasonal Dieases and Critical Illness is cover.

• Specific waiting period – 2 yrs

• Pre – Existing Dieases – 3 yrs

3) Exclusions

• Maternity
• Eyes and Dental
• HIV
• Drink and Drive
• Suicide

4) Health Checkups

Plans / SI 3 Lac 5 Lacs 10 Lacs 15 Lacs 20/25/50 Lacs

Individual (as Not Applicable Upto a Upto a Upto a Upto a
per person) maximumof Rs maximumof Rs maximumof Rs maximumof Rs
1500 per 2000 per 4000 per 5000 per
insured person, insured person, insured person, insured person,
only once at at the end of at the end of at the end of
the end of a each year at each year at each year at
block of every renewal. renewal. renewal
continuous two
policy year.
Floater (per Not Applicable Upto a Upto a Upto a Upto a
policy) maximumof Rs maximumof Rs maximumof Rs maximumof Rs
2500 per 5000 per 8000 per 10000 per
insured person, insured person, insured person, insured person,
only once at at the end of at the end of at the end of
the end of a each year at each year at each year at
block of every renewal. renewal. renewal.
continuous two
policy year.

5) Pre – Medical Checkup

• Upto 65 Age – No Medical Test Required

6) TAT for Issuance

• STP - within 24 Hours

• NSTP – 5 to 7 Working Days
• Port Cases – 10 Working Days

7) Documents Required for Port

• Policy documents
• Aadhar Card
 • Pan Card

8) Policy Documents

• Soft Copy provided within 24 hours after the issuance.

• Hard Copy provided by the apollo on the request of the customer only.

9)