Private health insurer Apollo Munich Health Insurance recently launched ‘Optima Senior’ for citizens above 61 years of age.
“With the onset of retirement, most people find themselves losing their corporate health insurance coverage, at a time when it is needed the most. Optima Senior caters to senior citizens who seek uncomplicated and easy to understand health insurance coverage, with minimal restrictions and maximum benefits,” Apollo Munich Health Insurance Chief Executive Officer Antony Jacob said in a release issued here.
Optima Senior provides lifelong health insurance coverage with a guarantee of no loading on change of health status.
It also offers hassle-free, uncomplicated coverage for those Indian citizens who are in their golden years and seek the best-in-class solution for their medical needs.
A person over 61 years can choose from three sum insured levels that is Rs 2 lakh, Rs 3 lakh or even Rs 5 lakh.
As in all its products, Apollo Munich Health Insurance does not have any claim based loading or underwriting in its Optima Senior product.
Policy holders can also enjoy a 5 percent non-cumulative discount on the renewal premium payable under the policy after every claim free year, provided that the policy is renewed with the company without a break.
Optima Senior also provides coverage for an E-opinion, wherein a policyholder can obtain a second opinion, from Apollo Munich’s medical panel for listed ‘Critical Illness’ suffered during the policy year.
Apollo Munich Health Insurance is a joint venture between Apollo Hospitals Group and Munich Health, Munich Re’s newest business segment.
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