SHORT WALKS. BIG BENEFITS.

Transcription

1 SHORT WALKS. BIG BENEFITS. Optima Restore with Stay Active benefit. RATE CARD Excluding Goods & Services Tax & Cess (if any) SAVE 2% SAVE 5% SAVE 8%

2 Introducing Health Insurance Plan The Optima Restore isn t a health insurance plan that lets you get laid-back about your health. It is a plan that cares for you It is a plan that likes seeing you healthy It is a plan that rewards you for staying active With the Stay Active discount, you can get up to 8% discount on premium at each renewal, simply by walking. Our step tracking app will lay out average step count targets for you to achieve. The more you walk, the higher the discount, and the fitter you get! The Stay Active discount is just the beginning of a long list of wonderful, health-saving benefits offered by Optima Restore.

3 The unbelievable health plan. Annual Premium (Excluding Goods & Services Tax & Cess (if any) in INR) Rest of India 1. Individual Sum Insured Age Group 1A 1A 1A 1A 1A 1A 1A 91d-17 4,456 5,653 6,518 7,811 9,418 10,221 13, ,324 6,755 8,996 10,783 13,000 14,109 18, ,025 7,644 10,383 12,446 15,004 16,284 20, ,813 11,181 15,449 18,517 22,325 24,228 31, ,143 14,138 19,791 23,721 28,599 31,038 39, ,385 18,251 25,953 31,107 37,503 40,701 52, ,208 24,370 35,201 42,192 50,867 55,204 70, * 26,504 33,627 48,920 58,636 70,692 76,721 98, * 32,020 40,625 59,689 71,544 86,254 93,609 1,20, * 38,424 48,750 72,419 86,802 1,04,649 1,13,572 1,46,021 > 80 * 44,187 56,063 84,988 1,01,867 1,22,812 1,33,284 1,71, Family Floater Sum Insured SI in INR 3,00, ,000 1,000,000 1,500,000 2,000,000 2,500,000 5,000,000 Age Group 1A + 1C 1A + 1C 1A + 1C 1A + 1C 1A + 1C 1A + 1C 1A + 1C ,868 8,713 11,255 13,490 16,264 17,650 22, ,444 9,444 12,459 14,933 18,004 19,540 25, ,357 13,140 17,707 21,223 25,587 27,769 35, ,812 16,255 22,231 26,647 32,126 34,865 44, ,086 20,408 28,440 34,088 41,097 44,601 57, ,843 26,444 37,591 45,057 54,321 58,953 75, * 28,139 35,701 51,311 61,502 74,147 80,470 1,03, * 33,655 42,699 62,080 74,410 89,709 97,358 1,25, * 40,058 50,824 74,810 89,667 1,08,103 1,17,321 1,50,842 > 80 * 45,822 58,137 87,379 1,04,733 1,26,267 1,37,034 1,76,186 *Premium rates only for renewal RATE CARD

4 SI in INR 3,00,000 5,00,000 1,000,000 1,500,000 2,000,000 2,500,000 5,000,000 Age Group 1A + 2C 1A + 2C 1A + 2C 1A + 2C 1A + 2C 1A + 2C 1A + 2C ,854 11,232 14,158 16,970 20,459 22,204 28, ,268 11,760 15,128 18,132 21,861 23,724 30, ,343 15,659 20,611 24,704 29,784 32,323 41, ,957 18,977 25,370 30,409 36,660 39,786 51, ,271 23,182 31,637 37,919 45,716 49,614 63, ,945 29,111 40,665 48,741 58,763 63,774 81, * 30,240 38,368 54,385 65,186 78,589 85,290 1,09, * 35,756 45,366 65,154 78,094 94,150 1,02,179 1,31, * 42,160 53,491 77,883 93,351 1,12,545 1,22,142 1,57,040 > 80 * 47,924 60,803 90,453 1,08,417 1,30,709 1,41,854 1,82,384 Age Group 1A + 3C 1A + 3C 1A + 3C 1A + 3C 1A + 3C 1A + 3C 1A + 3C ,956 12,632 15,771 18,903 22,790 24,733 31, ,282 13,046 16,611 19,910 24,003 26,050 33, ,445 17,059 22,224 26,638 32,114 34,852 44, ,149 20,490 27,113 32,498 39,180 42,520 54, ,485 24,722 33,412 40,048 48,283 52,399 67, ,112 30,592 42,373 50,788 61,231 66,452 85, * 31,408 39,849 56,093 67,233 81,057 87,968 1,13, * 36,924 46,847 66,861 80,141 96,618 1,04,857 1,34, * 43,328 54,972 79,591 95,398 1,15,013 1,24,820 1,60,483 > 80 * 49,091 62,285 92,160 1,10,464 1,33,176 1,44,532 1,85,827 Age Group 2A 2A 2A 2A 2A 2A 2A * * * > 80 * *Premium rates only for renewal

5 Age Group 2A + 1C 2A + 1C 2A + 1C 2A + 1C 2A + 1C 2A + 1C 2A + 1C * * * > 80* Age Group 2A + 2C 2A + 2C 2A + 2C 2A + 2C 2A + 2C 2A + 2C 2A + 2C * * * > 80* Age Group 2A + 3C 2A + 3C 2A + 3C 2A + 3C 2A + 3C 2A + 3C 2A + 3C * * * > 80* Addl. Child *Premium rates only for renewal

6 Annual Premium (Excluding Goods & Services Tax & Cess (if any) in INR) National Capital Region and Mumbai Metropolitan Region 1. Individual Sum Insured Age Group 1A 1A 1A 1A 1A 1A 1A 91d-17 4,928 5,980 6,768 8,112 9,509 10,319 13, ,887 7,145 9,342 11,197 13,125 14,244 18, ,662 8,085 10,783 12,924 15,148 16,441 21, ,745 11,826 16,043 19,229 22,539 24,461 31, ,321 14,953 20,552 24,634 28,874 31,336 40, ,907 19,304 26,951 32,304 37,864 41,093 52, ,089 26,807 38,017 45,567 53,410 57,964 74, * 30,480 36,990 52,834 63,327 74,227 80,557 1,03, * 36,823 44,688 64,464 77,268 90,567 98,289 1,26, * 44,188 53,625 78,213 93,746 1,09,881 1,19,251 1,53,322 > 80 * 50,815 61,669 91,787 1,10,016 1,28,953 1,39,948 1,79, Family Floater Sum Insured SI in INR 3,00, ,000 1,000,000 1,500,000 2,000,000 2,500,000 5,000,000 Age Group 1A + 1C 1A + 1C 1A + 1C 1A + 1C 1A + 1C 1A + 1C 1A + 1C ,595 9,216 11,688 14,009 16,420 17,820 22, ,232 9,989 12,938 15,508 18,178 19,727 25, ,453 13,899 18,388 22,040 25,833 28,036 36, ,167 17,193 23,086 27,672 32,435 35,200 45, ,787 21,585 29,534 35,399 41,492 45,030 57, ,969 29,088 40,598 48,662 57,037 61,901 79, * 32,360 39,271 55,416 66,422 77,854 84,494 1,08, * 38,703 46,969 67,046 80,363 94,194 1,02,226 1,31, * 46,067 55,906 80,795 96,840 1,13,508 1,23,187 1,58,384 > 80 * 52,695 63,951 94,369 1,13,112 1,32,580 1,43,886 1,84,995 SI in INR 3,00,000 5,00,000 1,000,000 1,500,000 2,000,000 2,500,000 5,000,000 Age Group 1A + 2C 1A + 2C 1A + 2C 1A + 2C 1A + 2C 1A + 2C 1A + 2C ,790 11,880 14,702 17,622 20,656 22,418 28, ,249 12,439 15,710 18,830 22,071 23,953 30, ,648 16,563 21,403 25,654 30,070 32,634 41, ,539 20,072 26,346 31,578 37,013 40,169 51, ,203 24,519 32,854 39,378 46,156 50,091 64, ,387 32,022 43,918 52,640 61,701 66,963 86, * 34,776 42,205 58,736 70,401 82,518 89,555 1,15, * 41,119 49,903 70,366 84,342 98,858 1,07,288 1,37, * 48,484 58,840 84,114 1,00,819 1,18,172 1,28,249 1,64,892 > 80 * 55,113 66,883 97,689 1,17,090 1,37,244 1,48,947 1,91,503 *Premium rates only for renewal

7 Age Group 1A + 3C 1A + 3C 1A + 3C 1A + 3C 1A + 3C 1A + 3C 1A + 3C ,009 13,361 16,377 19,630 23,009 24,971 32, ,370 13,798 17,250 20,676 24,234 26,300 33, ,867 18,043 23,079 27,662 32,423 35,188 45, ,857 21,672 28,156 33,748 39,557 42,929 55, ,546 26,148 34,697 41,589 48,747 52,903 68, ,729 33,651 45,763 54,851 64,293 69,775 89, * 36,119 43,834 60,580 72,612 85,110 92,366 1,18, * 42,463 51,532 72,210 86,552 1,01,449 1,10,100 1,41, * 49,827 60,469 85,958 1,03,030 1,20,764 1,31,061 1,68,507 > 80 * 56,455 68,514 99,533 1,19,301 1,39,835 1,51,759 1,95,118 Age Group 2A 2A 2A 2A 2A 2A 2A ,242 10,002 13,079 15,677 18,375 19,942 25, ,838 11,939 15,886 19,041 22,319 24,221 31, ,997 16,985 23,008 27,578 32,324 35,081 45, ,644 21,414 29,373 35,206 41,265 44,784 57, ,502 27,308 38,010 45,559 53,400 57,953 74, ,303 36,775 51,959 62,278 72,998 79,223 1,01, * 41,745 50,662 72,217 86,561 1,01,459 1,10,110 1,41, * 51,858 62,934 90,562 1,08,549 1,27,233 1,38,081 1,77, * 62,701 76,093 1,10,657 1,32,634 1,55,462 1,68,718 2,16,924 > 80 * 72,835 88,393 1,30,877 1,56,869 1,83,869 1,99,547 2,56,561 Age Group 2A + 1C 2A + 1C 2A + 1C 2A + 1C 2A + 1C 2A + 1C 2A + 1C ,949 12,074 15,425 18,487 21,670 23,518 30, ,408 13,844 18,041 21,625 25,347 27,508 35, ,703 19,058 25,353 30,389 35,619 38,657 49, ,490 23,653 31,906 38,244 44,827 48,649 62, ,381 29,589 40,592 48,653 57,028 61,890 79, ,183 39,057 54,541 65,373 76,625 83,159 1,06, * 43,625 52,943 74,800 89,655 1,05,087 1,14,048 1,46, * 53,738 65,216 93,145 1,11,644 1,30,859 1,42,019 1,82, * 64,581 78,374 1,13,238 1,35,728 1,59,090 1,72,655 2,21,985 > 80* 74,716 90,674 1,33,458 1,59,964 1,87,496 2,03,485 2,61,623 *Premium rates only for renewal

8 *Premium rates only for renewal Age Group 2A + 2C 2A + 2C 2A + 2C 2A + 2C 2A + 2C 2A + 2C 2A + 2C ,144 14,738 18,440 22,102 25,906 28,115 36, ,425 16,293 20,813 24,947 29,240 31,734 40, ,899 21,722 28,368 34,003 39,855 43,254 55, ,863 26,532 35,166 42,149 49,405 53,617 68, ,798 32,523 43,911 52,632 61,691 66,951 86, ,599 41,989 57,861 69,352 81,289 88,220 1,13, * 46,043 55,876 78,120 93,634 1,09,750 1,19,109 1,53, * 56,155 68,148 96,465 1,15,623 1,35,524 1,47,080 1,89, * 66,998 81,308 1,16,558 1,39,707 1,63,753 1,77,717 2,28,493 > 80* 77,133 93,607 1,36,778 1,63,943 1,92,161 2,08,546 2,68,130 Age Group 2A + 3C 2A + 3C 2A + 3C 2A + 3C 2A + 3C 2A + 3C 2A + 3C ,827 17,994 22,125 26,518 31,083 33,733 43, ,892 19,286 24,201 29,007 33,999 36,899 47, ,582 24,978 32,053 38,420 45,032 48,872 62, ,763 30,052 39,149 46,924 55,000 59,690 76, ,753 36,108 47,968 57,495 67,391 73,138 94, ,553 45,574 61,919 74,215 86,989 94,407 1,21, * 48,996 59,462 82,177 98,497 1,15,451 1,25,295 1,61, * 59,109 71,734 1,00,522 1,20,486 1,41,224 1,53,266 1,97, * 69,952 84,893 1,20,615 1,44,570 1,69,453 1,83,903 2,36,446 > 80* 80,086 97,192 1,40,835 1,68,806 1,97,861 2,14,732 2,76,084 Addl. Child 2,243 2,721 3,079 3,691 4,326 4,696 6,036 Critical Advantage Rider Premium (INR) Age Band USD 250,000 USD 500, ,833 5, ,767 8, ,698 13, ,115 20, ,395 23, ,434 25, ,385 27, * 25,494 28, * 26,708 30, * 26,708 30,357 >80 * 26,708 30,357 Points to Remember The rider will be issued for a period of 1 or 2 year(s) period depending on policy tenure of base policy, the sum insured & benefits will applicable on Policy Year basis. This rider can be issued to an individual and/or family only on individual Sum Insured basis. This rider will be offered with Optima Restore policy where base Sum Insured is Rs. 10 lacs & above. The Sum Insured of the dependent insured members should be equal to or less than the Sum Insured of the Primary Insured member. Incase where two or more children are covered, the Sum Insured for all the children must be same. The sum insured of all dependant parents/ parent in law must be same. Pls Note: All the premium amounts shown in the table are inclusive of Goods & Services Tax & Cess (if any). Premium rates are subject to change with prior approval from IRDAI.

9 2 Year Premium 7.5% Discount on premium if Insured Person is paying premium of 2 years in advance For example: 1. Proposed Insured Age 33 years from Delhi opting for Optima Restore Individual 2 year policy with Sum Insured of 3 Lac Calculation 5887X 2 X 92.5% = Rs /- plus taxes.. 2. Proposed Insured Age 35 years from Delhi opting for Optima Restore Individual 2 year policy with Sum Insured of 3 Lac. Calculation ( ) X 92.5% = Rs /- plus taxes. Discounts Family discount of 10% if 2 or more family members are covered under single Optima Restore Individual Policy Stay Active- Upto 8% discount on renewal premium subject to insured member achieving the average number of steps prescribed in the policy wordings by either walking or running regularly to keep fit. The discount will be accrued by the customer at defined time intervals and cumulated at the end of the policy period and offered as a discount on renewal premium. Loadings We may apply a risk loading on the premium payable (based upon the declarations made in the proposal form and the health status of the persons proposed for insurance). The maximum risk loading applicable for an individual shall not exceed above 100% per diagnosis / medical condition and an overall risk loading of over 150% per person. These loadings are applied from Commencement Date of the policy including subsequent renewal(s) with us or on the receipt of the request of increase in sum insured (for the increased Sum Insured). We will inform you about the applicable risk loading through a counter offer letter. You need to revert to us with consent and additional premium (if any), within 7 days of the issuance of such counter offer letter. In case, you neither accept the counter offer nor revert to us within 15 days, we shall cancel your application and refund the premium paid within next 7 days. Please note that we will issue policy only after getting your consent. Please Note. 1. Premium rates and policy terms and conditions are for standard healthy individuals. These may change post underwriting of proposal based on medical tests (where applicable) and information provided on the proposal form. Please visit our nearest branch to referring our underwriting guidelines, if required. Premium rates are subject to change with prior approval from IRDAI. 2. In a family floater policy, a maximum of 2 adults and a maximum of 5 children can be included in a single policy. The 2 adults can be a combination of Self, Spouse, Father or Mother. In an individual policy, a maximum of 4 adults and a maximum of 5 children can be included in a single policy. The 4 adults can be a combination of Self, Spouse, Father, Father in law, Mother or Mother in law. 3. The premium will be computed basis the city of residence provided by the insured person in the application form. The premium that would be applicable zone wise and the cities defined in each zone are as under: Delhi NCR/Mumbai MMR - Delhi, Gurgaon, Noida, Faridabad, Ghaziabad, Greater Noida, Mumbai, Navi Mumbai, Thane, Kalyan, Dombivali, Bhayandar, Ulhasnagar, Bhiwandi, Vasai,Virar Rest of India- All other cities

10 The Apollo Hospitals Group, Asia s one of the largest healthcare provider and Munich Health, one of the world leaders in health insurance, come together to make quality healthcare easy and accessible. Simple language, clear policies, transparent procedures and innovative products, making health insurance the way it ought to be. We Know Healthcare. We Know Insurance. REACH US Apollo Munich Health Insurance Co. Ltd. Central Processing Center, 2nd & 3rd Floor, ilabs Centre, Plot No , Udyog Vihar, Phase-III, Gurgaon , Haryana Corp. Off: 1st Floor, SCF -19, Sector - 14, Gurgaon , Haryana. Reg. Off: Apollo Hospitals Complex, /82/J III/DH/900, Jubilee Hills, Telangana, Hyderabad Toll Free: Tel: Fax: Secured online purchase at: SMS: 'restore' to customerservice@apollomunichinsurance.com For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale. Tax laws are subject to change. IRDAI Reg. No.: CIN: U66030TG2006PLC UIN: IRDAI/HLT/AMHI/P-H/V.III/1/ AMHI/MA/H/0002/0144/062016/P