Apply online for Apollo Munich Health Insurance - Optima Cash.
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How Optima Cash Uncomplicates
Optima Cash uncomplicates health care for you and your family. It pays daily cash benefit in the event of hospitalization. This payment can be used for any medical or non-medical expense you may have during hospitalization.
In the event of hospitalization, Optima Cash will pay you to a lumpsum amount which can be utilized towards hospitalization expenses or additional expenses like attendant’s food, travel and accommodation which are normally not covered under other hospitalization Insurance plans.
Less paper work, no submission of medical bill and no pre policy check up makes Optima Cash an easy to choose and easy to use health insurance plan which also offers tax benefit under section 80 D of Income Tax act.
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A quick run through the features of Optima Cash.
| S. no | Benefit |
Coverage |
Duration |
1 a i) |
Sickness Hospital Cash |
Daily cash amount for each continuous and completed period of 24 hours if the insured is hospitalised due to any sickness. |
Maximum up to 90 days per policy year. |
1 a ii) |
Sickness ICU Cash* |
Twice the Daily cash amount for each continuous and completed period of 24 hours if the insured is admitted in ICU due to any sickness. |
Maximum up to 15 days per policy year. |
1 b i) |
Accident Hospital Cash |
Daily cash amount for each continuous and completed period of 24 hours if the insured is hospitalised due to any accident. |
Maximum up to 90 days per policy year. |
1 b ii) |
Accident ICU Cash# |
Twice the Daily cash amount for each continuous and completed period of 24 hours if the insured is admitted in ICU due to any accident. |
Maximum up to 15 days per policy year. |
1 c) |
Day Care Procedure Cash |
50% of the Daily cash amount if the insured undergoes any of the 10 identified day care procedures which does not require 24 hours hospitalisation due to technological advancement. |
Maximum up to 6 day care procedures per policy year. |
1 d) |
Joint Hospitalisation due to an Accident^ |
Twice the Daily cash amount for each continuous and completed period of 24 hours where two or more Insured person(s) are concurrently hospitalised due to an accident. |
Maximum up to 10 days per policy year. |
1 e) |
Convalescence Cash^^ |
Lumpsum amount paid if insured person is hospitalised beyond 7 continuous days. |
Payable once per policy year |
| 1 f) | Child Birth+ | Lumpsum amount equivalent to twice the Daily Cash amount for maternity to female Insured in event of child birth. | Payable twice during the life time of the insured. |
| 1 g) | Parent Accommodation^^ | Daily Cash amount for parent’s accommodation if the Insured child is aged 12 years or less and is hospitalised for more than 72 hours. | Maximum up to 30 days per policy year. |
* Benefit 1a ii) sublimit under 1a i)
# Benefit 1b ii) sublimit under 1b i)
^ In addition to benefits 1b i) and 1b ii)
^^ In addition to benefits 1a i), 1a ii), 1b i) and 1b ii)
+ waiting period of 2 years for availing this benefit.
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