Apollo Munich Insurance Plans

Optima Senior Health Insurance

Optima Senior Health insurance quotes

Coverage type
Coverage amount
Date of birth
  OR age    years
* Name, Email Id & Mobile No. are optional 

Eligibility of Optima Senior Health Insurance

  • A person aged 61 years and above can purchase OptimaSenior.
  • This plan will cover the insured throughout his/her life.
  • OptimaSenior offers sum insured options of 2 lakhs, 3 lakhs and 5 lakhs for a duration of 1 or 2 years

Key features of Optima Senior health insurance

  • Room Rent : No Room Rent Restrictions across all plans.
  • Co-pay : 15% to 30% depending on Room Type and Treatment Type .
  • Restoration Benefit :NIL Restoration Benefit under this plan.

HDFC Ergo Health (Apollo Munich) Insurance Review

HDFC Ergo Health (Apollo Munich) Insurance
Sum insured
1 lac − 50 lacs options available
Incurred Claims Ratio *
Tenure options
1 to 2 years
Claims Settlement Ratio **
List of network hospitals
10,000+ hospitals
Number of policies issued *
Maximum family floater coverage
Self, Spouse + 5 dependent children
Number of lives covered *
* As per IRDAI report for 2018-19   |   ** As per NL25 data published on the Insurance Company website

HDFC ERGO Health Formerly Apollo Munich Optima Senior health insurance review

  • Key Features
  • Benefit Table
  • Unique Coverages
  • How to buy?

Optima Senior citizen mediclaim insurance key features

  • Any individual who is 61 years and above can buy this plan.
  • Optima Senior is renewable for life long.
  • Get insurance cover From 2 Lakh To 5 Lakhs.
  • There is no loading on premium during renewals irrespective of expenses incurred during the current year.
  • The insured can get second opinion (one opinion per policy year) from the panel of doctors for listed critical illness (subject to pre-authorization).
  • HDFC ERGO Health Formerly Apollo Munich has a TPA called Family Health Plan Ltd , which helps in faster claims settlement.
  • There are over 4000 networks of hospitals throughout India.
  • Policy can be purchased for a tenure of 2 years and get a discount of 7.5% on the premium.
  • Eligible for tax benefit under section 80D of income tax.
  • Portability - If you currently have a health policy with a different company, you can switch to HDFC ERGO Health Formerly Apollo Munich health insurance within 45 days of expiry of existing policy, and transfer coverage benefits.
  • Customer has to pay upfront to get expenses reimbursed for non-network hospitalization.
  • Coverage of pre-existing diseases after 3 years of continuous renewal.
  • 2 year waiting period for specific diseases like cataract, hernia, hysterectomy, joint replacement etc.
  • The insured has to bear less co-pay for hospitalization expenses when compared to competitors.
    For more features please refer: Policy Wordings

Optima Senior citizen health insurance benefits

Coverage Benefits Optima Senior
Basic Sum Insured 2Lakhs, 3Lakhs & 5Lakhs
In-patient Treatment Covered
Pre-Hospitalization Covered, upto 30 Days
Post-Hospitalization Covered, upto 60 Days
Day Care Treatment Covered, enlisted 140 Day Care Procedures
Domiciliary Treatment/Home Treatment Covered
Treatment for Organ Donor Covered
Emergency Ambulance Upto Rs.2,000 per Hospitalisation
E-opinion One opinion per policy year

Senior citizen health insurance Unique Coverage by HDFC ERGO Health Formerly Apollo Munich

  • OptimaSenior can be renewed life long.
  • No claim based loading or claim based underwriter.
  • E opinion: HDFC ERGO Health Formerly Apollo Munich will arrange and pay for a second opinion on your request, from our medical panel for listed 'Critical Illness' suffered during the policy year.
  • The plan can be purchased any time after the age of 61 years.
  • OptimaSenior offers high sum insured option of 5 lakhs.
  • Cashless Transactions: You can get treated in 4000 network hospitals across 800 cities on a cashless basis.
  • No Claim Discount: After every claim-free year, you can avail a discount of 5% on renewal premium provided there is no break in coverage.
  • Portability: If you currently have a health policy with a different company, you can switch to HDFC ERGO Health Formerly Apollo Munich health insurance within 45 days of expiry of existing policy, and transfer coverage benefits.

How to buy Best coverage offered by HDFC ERGO Health Formerly Apollo Munich Optima Senior citizen health insurance?

  • Step 1: Review the plan benefits, coverage, premium and exclusions.
  • Step 2: You need to submit the application form and a cheque of the premium.
  • Step 3: Based on your age, health declaration and coverage you have choosen you will be called for a medical check-up. This will include medical examination by a doctor, blood tests to measure your cardiac status, cholesterol levels, blood sugar levels, urine analysis and a thread mill test under medical supervision to assess the status of your heart and kidneys.
  • Note: On acceptance of the plan we would reimburse 50% of the total cost incurred by you to conduct these tests.


Review HDFC ERGO Health Optima Senior Health Insurance insurance brochure to understand coverage details.

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Proposal form

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Policy wordings

Review HDFC ERGO Health Optima Senior Health Insurance policy wordings which explains the terms and conditions.

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How to buy online?

You can buy insurance online by using a credit/debit card, direct funds transfer using NEFT or RTGS or by using a cheque

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Health insurance benefits

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Portability Information for Mediclaim Insurance in India.

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