Optima Senior New Health Insurance Plan

Senior citizens need not worry if they are still uncovered of a health insurance policy. A provision like senior health insurance offers a health security to our elders. If your parents or grandparent are not covered under any medical insurance cover, now you can get them covered under a senior medical insurance cover.

It is a tool that comes for the rescue of healthcare difficulties that people face while in their old age. Optima Senior is a recently launched plan by Apollo Munich Health Insurance Company. The plan is designed exclusively for people of age 61 years or above. Offering comprehensive coverage to the person, the policy is destined to issue best health insurance coverage to the policy buyer. With no hidden clauses or unpleasant surprises, the plan is easy to understand and makes the understanding uncomplicated.

While thinking of health insurance, several related thoughts comes in mind. People look for a plan that can ensure complete healthcare protection at the expense of a reasonable premium amount. The needs also differ from individual to individual. On the basis of age, pre-exiting illness and affordability limit, people choose a medical cover for them. Hence, they land up with a plan that can suit their specific needs. In order to take care of all kind of healthcare needs of people, health insurance providers have emerged with numerous innovative healthcare products. They make medical insurance suitable and feasible for all.

In this journey of making healthcare easy and with an aim to provide a healthy future to all, Apollo Munich makes genuine efforts. Having introduced several unique healthcare policies it has made a great contribution in Indian Health Insurance Market. Optima Senior is yet another attempt to live up to its promise of taking good care people’s well being.

Health insurance plan give you the option to choose a higher insurance cover up to 5 lakhs. Along with this, it is available for cashless treatment providing you access to around 4000 network hospitals in over 800 cities. The policy weaves along other benefits like

• Non cumulative bonus of 5% on renewal premium after every claim free year
• Provision of free second opinion from medical panel while seeking critical illness coverage
• Lifelong renewal to allow coverage for whole life
• Coverage for domiciliary treatment
• No maximum entry age
• Coverage for 140 day-care procedures
• Family discount of 5% on coverage of both self and spouse
• An additional discount of 7.5% on premium for opting the policy for 2 years

Inclusive of the listed benefits, the plan is ready to cover the person with comprehensive coverage. With the cover option of 2 lakhs, 3 lakhs and 5 lakhs for period of 1 or 2 years, the plan is affordable for all. It enable the individual to choose a plan that can fit into the budget frame without any burden.

To assist people to acquire the coverage and obtain proper understanding of the plan, the plan also provide an easy guide. In clear and simple steps it explains the procedure to buy the plan. At affordable rates, every individual can secure the life of his/ her elders. It will give them a sense of security in their old age. Under the coverage of such a health cover with amazing features and benefits, best medical care is no more a problem.

So, get your parents or grandparents insured with medical insurance coverage and help them avail quality healthcare without any compromise even in the later years of life. Make this wise investment and plan for a secured future.

Apollo Munich Claim Procedure

Apollo Munich, a joint venture between the Apollo Group of Hospitals and Munich Health, comprehends the need of simple and uncomplicated claim process and therefore, brings the same for its customers. It works in line of its motto—let’s take out the confusion from claim.

Understanding health need of the masses, Apollo Munich has incorporated more than 4000 hospitals in the network provider so that customers can be treated on cashless basis, if required. It is a step ahead to remove the fear of complex claim procedure from the mind of individuals, as there is no need to raise claim for the treatment in network hospitals.

If you undergo treatment in non-network hospital, there is a very easy and uncomplicated claim procedure to reimburse the expenses incurred. Firstly, intimate the company or the TPA by calling at the number mentioned at the back of your health card. Secondly, fill the claim form and attach all the required documents such as original medical bills, doctor’s prescription etc.

As soon as your papers reach office and get approved, the cheque for the same amount is issued and discharged to be delivered at your address.

When a person has to get treated, and does not want to suffer from any form of medical problem, they have to get the needed coverage from health problems. There is an important point of concern that many customers have—people have to arrange for the funds in the case of a reimbursement option. However, when it comes to cashless treatments, customers can get the treatment without bothering to assemble funds. Apollo Munich understands this concern and therefore provides policy holders with access to more than 4000 network hospitals across India. The benefit is actually a value added service which is given to the company.

With such a large network, it is rare that policy holders would find themselves far from a network hospital. One has to simply fill the necessary form and provide a proof of identity or the health card. The network hospital then settles the claim with the company directly. One can also get pre-authorization for the claim. This speeds up the process at the time of hospitalization. Apollo Munich provides customers with truly comprehensive healthcare solutions.