The unbelievable health plan.

Annual Premium (Excluding Service tax in INR)

Rest of India

1. Individual Sum Insured

SI in INR 300,000 500,000 1,000,000 1,500,000 2,000,000 2,500,000 5,000,000
Age Group 1A 1A 1A 1A 1A 1A 1A
91d-17 4,285 5,436 6,267 7,511 9,056 9,828 12,636
18-35 5,119 6,495 8,650 10,368 12,500 13,566 17,442
36-45 5,793 7,350 9,984 11,967 14,427 15,658 20,131
46-50 8,474 10,751 14,855 17,805 21,466 23,296 29,952
51-55 10,714 13,594 19,030 22,809 27,499 29,844 38,370
56-60 13,832 17,549 24,955 29,911 36,061 39,136 50,318
61-65 19,208 24,370 35,201 42,192 50,867 55,204 70,977
66-70* 26,504 33,627 48,920 58,636 70,692 76,721 98,641
71-75* 32,020 40,625 59,689 71,544 86,254 93,609 120,354
76-80 * 38,424 48,750 72,419 86,802 104,649 113,572 146,021
> 80 * 44,187 56,063 84,988 101,867 122,812 133,284 171,366

2. Family Floater Sum Insured

SI in INR 3,00,000 500,000 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
18-35 6,604 8,378 10,822 12,971 15,638 16,971 21,820
36-45 7,158 9,081 11,980 14,359 17,312 18,788 24,156
46-50 9,959 12,635 17,026 20,407 24,603 26,701 34,330
51-55 12,319 15,630 21,376 25,622 30,890 33,524 43,102
56-60 15,467 19,623 27,346 32,777 39,516 42,886 55,139
61-65 20,843 26,444 37,591 45,057 54,321 58,953 75,797
66-70* 28,139 35,701 51,311 61,502 74,147 80,470 103,461
71-75* 33,655 42,699 62,080 74,410 89,709 97,358 125,175
76-80 * 40,058 50,824 74,810 89,667 108,103 117,321 150,842
> 80 * 45,822 58,137 87,379 104,733 126,267 137,034 176,186

*Premium rates only for renewal RATE CARD

 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
18-35 8,513 10,800 13,613 16,317 19,672 21,350 27,449
36-45 8,912 11,308 14,546 17,435 21,020 22,812 29,330
46-50 11,868 15,057 19,818 23,754 28,638 31,080 39,959
51-55 14,382 18,247 24,394 29,239 35,250 38,256 49,186
56-60 17,568 22,290 30,420 36,461 43,958 47,706 61,337
61-65 22,945 29,111 40,665 48,741 58,763 63,774 81,995
66-70* 30,240 38,368 54,385 65,186 78,589 85,290 109,659
71-75* 35,756 45,366 65,154 78,094 94,150 102,179 131,373
76-80 * 42,160 53,491 77,883 93,351 112,545 122,142 157,040
> 80 * 47,924 60,803 90,453 108,417 130,709 141,854 182,384
SI in INR 300,000 500,000 1,000,000 1,500,000 2,000,000 2,500,000 5,000,000
Age Group 1A + 3C 1A + 3C 1A + 3C 1A + 3C 1A + 3C 1A + 3C 1A + 3C
18-35 9,573 12,146 15,164 18,176 21,913 23,782 30,577
36-45 9,887 12,544 15,972 19,144 23,080 25,048 32,205
46-50 12,928 16,403 21,369 25,613 30,879 33,512 43,087
51-55 15,528 19,702 26,070 31,248 37,673 40,885 52,566
56-60 18,736 23,771 32,127 38,508 46,426 50,384 64,780
61-65 24,112 30,592 42,373 50,788 61,231 66,452 85,438
66-70* 31,408 39,849 56,093 67,233 81,057 87,968 113,102
71-75* 36,924 46,847 66,861 80,141 96,618 104,857 134,816
76-80 * 43,328 54,972 79,591 95,398 115,013 124,820 160,483
> 80 * 49,091 62,285 92,160 110,464 133,176 144,532 185,827
SI in INR 300,000 500,000 1,000,000 1,500,000 2,000,000 2,500,000 5,000,000
Age Group 2A 2A 2A 2A 2A 2A 2A
18-35 7,167 9,093 12,110 14,516 17,500 18,992 24,419
36-45 8,555 10,854 14,709 17,631 21,256 23,068 29,659
46-50 12,171 15,441 21,304 25,535 30,785 33,410 42,956
51-55 15,343 19,467 27,197 32,598 39,300 42,651 54,838
56-60 19,567 24,825 35,194 42,184 50,857 55,193 70,963
61-65 26,350 33,432 48,110 57,665 69,522 75,450 97,007
66-70* 36,300 46,056 66,868 80,149 96,628 104,867 134,830
71-75* 45,094 57,213 83,854 100,508 121,174 131,506 169,080
76-80 * 54,523 69,175 102,460 122,809 148,059 160,684 206,594
> 80 * 63,335 80,357 121,182 145,249 175,113 190,045 244,344

*Premium rates only for renewal

 SI in INR 300,000 500,000 1,000,000 1,500,000 2,000,000 2,500,000 5,000,000
Age Group 2A + 1C 2A + 1C 2A + 1C 2A + 1C 2A + 1C 2A + 1C 2A + 1C
18-35 8,651 10,976 14,282 17,118 20,638 22,398 28,797
36-45 9,920 12,585 16,705 20,023 24,140 26,198 33,683
46-50 13,655 17,325 23,475 28,138 33,923 36,816 47,335
51-55 16,948 21,503 29,543 35,411 42,692 46,332 59,570
56-60 21,201 26,899 37,585 45,049 54,312 58,943 75,784
61-65 27,985 35,506 50,501 60,531 72,976 79,199 101,827
66-70* 37,935 48,130 69,259 83,014 100,083 108,617 139,650
71-75* 46,729 59,287 86,245 103,374 124,628 135,256 173,900
76-80* 56,157 71,249 104,850 125,674 151,514 164,433 211,414
> 80* 64,970 82,431 123,572 148,115 178,568 193,795 249,165
SI in INR 300,000 500,000 1,000,000 1,500,000 2,000,000 2,500,000 5,000,000
Age Group 2A + 2C 2A + 2C 2A + 2C 2A + 2C 2A + 2C 2A + 2C 2A + 2C
18-35 10,560 13,398 17,074 20,465 24,672 26,776 34,426
36-45 11,674 14,812 19,271 23,099 27,848 30,223 38,858
46-50 15,564 19,747 26,267 31,484 37,957 41,194 52,964
51-55 19,011 24,120 32,561 39,027 47,052 51,064 65,654
56-60 23,303 29,566 40,658 48,733 58,753 63,763 81,981
61-65 30,086 38,172 53,575 64,215 77,418 84,019 108,025
66-70* 40,037 50,796 72,333 86,698 104,524 113,437 145,848
71-75* 48,830 61,953 89,319 107,058 129,070 140,076 180,098
76-80* 58,259 73,916 107,924 129,358 155,955 169,254 217,612
> 80* 67,072 85,097 126,646 151,799 183,010 198,615 255,362
SI in INR 300,000 500,000 1,000,000 1,500,000 2,000,000 2,500,000 5,000,000
Age Group 2A + 3C 2A + 3C 2A + 3C 2A + 3C 2A + 3C 2A + 3C 2A + 3C
18-35 12,893 16,358 20,486 24,554 29,603 32,127 41,306
36-45 13,819 17,533 22,408 26,858 32,380 35,142 45,182
46-50 17,897 22,707 29,679 35,574 42,888 46,545 59,844
51-55 21,533 27,320 36,249 43,448 52,381 56,848 73,090
56-60 25,872 32,825 44,415 53,236 64,182 69,655 89,556
61-65 32,655 41,431 57,332 68,718 82,847 89,911 115,600
66-70* 42,605 54,056 76,090 91,201 109,953 119,329 153,423
71-75* 51,399 65,213 93,076 111,561 134,499 145,968 187,673
76-80* 60,828 77,175 111,681 133,861 161,384 175,146 225,187
> 80* 69,640 88,356 130,403 156,302 188,439 204,507 262,937

Addl. Child 1,950 2,474 2,851 3,418 4,120 4,472 5,749

*Premium rates only for renewal

Annual Premium (Excluding Service tax in INR)

National Capital Region and Mumbai Metropolitan Region

1. Individual Sum Insured
SI in INR 300,000 500,000 1,000,000 1,500,000 2,000,000 2,500,000 5,000,000
Age Group 1A 1A 1A 1A 1A 1A 1A
91d-17 4,928 5,980 6,768 8,112 9,509 10,319 13,268
18-35 5,887 7,145 9,342 11,197 13,125 14,244 18,314
36-45 6,662 8,085 10,783 12,924 15,148 16,441 21,138
46-50 9,745 11,826 16,043 19,229 22,539 24,461 31,450
51-55 12,321 14,953 20,552 24,634 28,874 31,336 40,289
56-60 15,907 19,304 26,951 32,304 37,864 41,093 52,834
61-65 22,089 26,807 38,017 45,567 53,410 57,964 74,526
66-70* 30,480 36,990 52,834 63,327 74,227 80,557 103,573
71-75* 36,823 44,688 64,464 77,268 90,567 98,289 126,372
76-80 * 44,188 53,625 78,213 93,746 109,881 119,251 153,322
> 80 * 50,815 61,669 91,787 110,016 128,953 139,948 179,934

2. Family Floater Sum Insured

SI in INR 3,00,000 500,000 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
18-35 7,595 9,216 11,688 14,009 16,420 17,820 22,911
36-45 8,232 9,989 12,938 15,508 18,178 19,727 25,364
46-50 11,453 13,899 18,388 22,040 25,833 28,036 36,047
51-55 14,167 17,193 23,086 27,672 32,435 35,200 45,257
56-60 17,787 21,585 29,534 35,399 41,492 45,030 57,896
61-65 23,969 29,088 40,598 48,662 57,037 61,901 79,587
66-70* 32,360 39,271 55,416 66,422 77,854 84,494 108,634
71-75* 38,703 46,969 67,046 80,363 94,194 102,226 131,434
76-80 * 46,067 55,906 80,795 96,840 113,508 123,187 158,384
> 80 * 52,695 63,951 94,369 113,112 132,580 143,886 184,995
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
18-35 9,790 11,880 14,702 17,622 20,656 22,418 28,821
36-45 10,249 12,439 15,710 18,830 22,071 23,953 30,797
46-50 13,648 16,563 21,403 25,654 30,070 32,634 41,957
51-55 16,539 20,072 26,346 31,578 37,013 40,169 51,645
56-60 20,203 24,519 32,854 39,378 46,156 50,091 64,404
61-65 26,387 32,022 43,918 52,640 61,701 66,963 86,095
66-70* 34,776 42,205 58,736 70,401 82,518 89,555 115,142
71-75* 41,119 49,903 70,366 84,342 98,858 107,288 137,942
76-80 * 48,484 58,840 84,114 100,819 118,172 128,249 164,892
> 80 * 55,113 66,883 97,689 117,090 137,244 148,947 191,503
*Premium rates only for renewal
 SI in INR 300,000 500,000 1,000,000 1,500,000 2,000,000 2,500,000 5,000,000
Age Group 1A + 3C 1A + 3C 1A + 3C 1A + 3C 1A + 3C 1A + 3C 1A + 3C
18-35 11,009 13,361 16,377 19,630 23,009 24,971 32,106
36-45 11,370 13,798 17,250 20,676 24,234 26,300 33,815
46-50 14,867 18,043 23,079 27,662 32,423 35,188 45,241
51-55 17,857 21,672 28,156 33,748 39,557 42,929 55,194
56-60 21,546 26,148 34,697 41,589 48,747 52,903 68,019
61-65 27,729 33,651 45,763 54,851 64,293 69,775 89,710
66-70* 36,119 43,834 60,580 72,612 85,110 92,366 118,757
71-75* 42,463 51,532 72,210 86,552 101,449 110,100 141,557
76-80 * 49,827 60,469 85,958 103,030 120,764 131,061 168,507
> 80 * 56,455 68,514 99,533 119,301 139,835 151,759 195,118
SI in INR 300,000 500,000 1,000,000 1,500,000 2,000,000 2,500,000 5,000,000
Age Group 2A 2A 2A 2A 2A 2A 2A
18-35 8,242 10,002 13,079 15,677 18,375 19,942 25,640
36-45 9,838 11,939 15,886 19,041 22,319 24,221 31,142
46-50 13,997 16,985 23,008 27,578 32,324 35,081 45,104
51-55 17,644 21,414 29,373 35,206 41,265 44,784 57,580
56-60 22,502 27,308 38,010 45,559 53,400 57,953 74,511
61-65 30,303 36,775 51,959 62,278 72,998 79,223 101,857
66-70* 41,745 50,662 72,217 86,561 101,459 110,110 141,572
71-75* 51,858 62,934 90,562 108,549 127,233 138,081 177,534
76-80 * 62,701 76,093 110,657 132,634 155,462 168,718 216,924
> 80 * 72,835 88,393 130,877 156,869 183,869 199,547 256,561
SI in INR 300,000 500,000 1,000,000 1,500,000 2,000,000 2,500,000 5,000,000
Age Group 2A + 1C 2A + 1C 2A + 1C 2A + 1C 2A + 1C 2A + 1C 2A + 1C
18-35 9,949 12,074 15,425 18,487 21,670 23,518 30,237
36-45 11,408 13,844 18,041 21,625 25,347 27,508 35,367
46-50 15,703 19,058 25,353 30,389 35,619 38,657 49,702
51-55 19,490 23,653 31,906 38,244 44,827 48,649 62,549
56-60 24,381 29,589 40,592 48,653 57,028 61,890 79,573
61-65 32,183 39,057 54,541 65,373 76,625 83,159 106,918
66-70* 43,625 52,943 74,800 89,655 105,087 114,048 146,633
71-75* 53,738 65,216 93,145 111,644 130,859 142,019 182,595
76-80* 64,581 78,374 113,238 135,728 159,090 172,655 221,985
> 80* 74,716 90,674 133,458 159,964 187,496 203,485 261,623

*Premium rates only for renewal

 SI in INR 300,000 500,000 1,000,000 1,500,000 2,000,000 2,500,000 5,000,000
Age Group 2A + 2C 2A + 2C 2A + 2C 2A + 2C 2A + 2C 2A + 2C 2A + 2C
18-35 12,144 14,738 18,440 22,102 25,906 28,115 36,147
36-45 13,425 16,293 20,813 24,947 29,240 31,734 40,801
46-50 17,899 21,722 28,368 34,003 39,855 43,254 55,612
51-55 21,863 26,532 35,166 42,149 49,405 53,617 68,937
56-60 26,798 32,523 43,911 52,632 61,691 66,951 86,080
61-65 34,599 41,989 57,861 69,352 81,289 88,220 113,426
66-70* 46,043 55,876 78,120 93,634 109,750 119,109 153,140
71-75* 56,155 68,148 96,465 115,623 135,524 147,080 189,103
76-80* 66,998 81,308 116,558 139,707 163,753 177,717 228,493
> 80* 77,133 93,607 136,778 163,943 192,161 208,546 268,130
SI in INR 300,000 500,000 1,000,000 1,500,000 2,000,000 2,500,000 5,000,000
Age Group 2A + 3C 2A + 3C 2A + 3C 2A + 3C 2A + 3C 2A + 3C 2A + 3C
18-35 14,827 17,994 22,125 26,518 31,083 33,733 43,371
36-45 15,892 19,286 24,201 29,007 33,999 36,899 47,441
46-50 20,582 24,978 32,053 38,420 45,032 48,872 62,836
51-55 24,763 30,052 39,149 46,924 55,000 59,690 76,745
56-60 29,753 36,108 47,968 57,495 67,391 73,138 94,034
61-65 37,553 45,574 61,919 74,215 86,989 94,407 121,380
66-70* 48,996 59,462 82,177 98,497 115,451 125,295 161,094
71-75* 59,109 71,734 100,522 120,486 141,224 153,266 197,057
76-80* 69,952 84,893 120,615 144,570 169,453 183,903 236,446
> 80* 80,086 97,192 140,835 168,806 197,861 214,732 276,084

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 500,000
Points to Remember
  0-17   4,833 5,490
18-35   7,767 8,947 • The rider will be issued for a period of 1 or
36-45   11,698 13,286 2 year(s) period depending on policy tenure
46-50   18,115 20,584 of base policy, the sum insured & benefits will
51-55   20,395 23,181 applicable on Policy Year basis.
56-60   22,434 25,500 • This rider can be issued to an individual and/or
61-65   24,385 27,717 family only on individual Sum Insured basis.
*Premium rates only for renewal

66-70 *  25,494 28,977 • This rider will be offered with Optima Restore
71-75 *  26,708 30,357 policy where base Sum Insured is Rs. 10 lacs
76-80  * 26,708 30,357 & above.
  >80   * 26,708 30,357

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 exclusive of service Tax. Premium rates
are subject to change with prior approval from IRDAI.
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. 10890.95/- 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 – (5887+6662) X 92.5% = Rs. 11607.83/- 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

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. 404-405, Udyog Vihar, Phase-III,
Gurgaon - 122 016, Haryana Corp. Off: 1st Floor, SCF -19, Sector - 14, Gurgaon - 122 001, Haryana.
Reg. Off: Apollo Hospitals Complex, Jubilee Hills, Hyderabad - 500 033, Telangana
Toll Free: 1800 103 0555 Tel: +91 124 4584333 Fax: +91 124 4584111
Secured online purchase at: www.apollomunichinsurance.com SMS: 'restore' to 56767333
Email: 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.: - 131
• CIN: U66030AP2006PLC051760 • UIN: IRDAI/HLT/AMHI/P-H/V.III/1/2016-17

AMHI/MA/H/0002/0144/062016/P