SHORT WALKS.

BIG BENEFITS.
Optima Restore with Stay Active benefit.

RATE CARD
Including Goods & Services Tax & Cess (if any)

SAVE SAVE SAVE

2% 5% 8%
Introducing

Health Insurance Plan

The Optima Restore isn’t a health insurance plan
that lets you get laid-back about your health.

• It is a plan that cares for you

• It is a plan that likes seeing you healthy
• It is a plan that rewards you for staying active

With the Stay Active discount, you can get up to 8% discount on premium at each
renewal, simply by walking. Our step tracking app will lay out average step count
targets for you to achieve. The more you walk, the higher the discount, and the fitter
you get!

The Stay Active discount is just the beginning of a long list of wonderful, health-saving
benefits offered by Optima Restore.
The unbelievable health plan.

Annual Premium (Including Goods & Services Tax & Cess (if any) 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 5258 6671 7691 9217 11113 12061 15506
18-35 6282 7971 10615 12724 15340 16649 21405
36-45 7110 9020 12252 14686 17705 19215 24704
46-50 10399 13194 18230 21850 26344 28589 36757
51-55 13149 16683 23353 27991 33747 36625 47088
56-60 16974 21536 30625 36706 44254 48027 61751
61-65 22665 28757 41537 49787 60023 65141 83753
66-70* 31275 39680 57726 69190 83417 90531 116396
71-75* 37784 47938 70433 84422 101780 110459 142018
76-80 * 45340 57525 85454 102426 123486 134015 172305
> 80 * 52141 66154 100286 120203 144918 157275 202212

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 8,104 10,281 13,281 15,918 19,192 20,827 26,778
36-45 8,784 11,144 14,702 17,621 21,245 23,057 29,644
46-50 12,221 15,505 20,894 25,043 30,193 32,767 42,130
51-55 15,118 19,181 26,233 31,443 37,909 41,141 52,895
56-60 18,981 24,081 33,559 40,224 48,494 52,629 67,667
61-65 24,595 31,204 44,357 53,167 64,099 69,565 89,440
66-70* 33,204 42,127 60,547 72,572 87,493 94,955 1,22,084
71-75* 39,713 50,385 73,254 87,804 1,05,857 1,14,882 1,47,707
76-80 * 47,268 59,972 88,276 1,05,807 1,27,562 1,38,439 1,77,994
> 80 * 54,070 68,602 1,03,107 1,23,585 1,48,995 1,61,700 2,07,899

*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 10,448 13,254 16,706 20,025 24,142 26,201 33,685
36-45 10,936 13,877 17,851 21,396 25,796 27,994 35,994
46-50 14,565 18,478 24,321 29,151 35,145 38,141 49,037
51-55 17,649 22,393 29,937 35,883 43,259 46,947 60,361
56-60 21,560 27,355 37,332 44,744 53,945 58,545 75,272
61-65 27,075 34,351 47,985 57,514 69,340 75,253 96,754
66-70* 35,683 45,274 64,174 76,919 92,735 1,00,642 1,29,398
71-75* 42,192 53,532 76,882 92,151 1,11,097 1,20,571 1,55,020
76-80 * 49,749 63,119 91,902 1,10,154 1,32,803 1,44,128 1,85,307
> 80 * 56,550 71,748 1,06,735 1,27,932 1,54,237 1,67,388 2,15,213
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 11,748 14,906 18,610 22,306 26,892 29,185 37,524
36-45 12,133 15,394 19,601 23,494 28,324 30,739 39,522
46-50 15,865 20,130 26,224 31,433 37,895 41,125 52,876
51-55 19,056 24,178 31,993 38,348 46,232 50,174 64,509
56-60 22,992 29,172 39,426 47,257 56,974 61,831 79,498
61-65 28,452 36,099 50,000 59,930 72,253 78,413 1,00,817
66-70* 37,061 47,022 66,190 79,335 95,647 1,03,802 1,33,460
71-75* 43,570 55,279 78,896 94,566 1,14,009 1,23,731 1,59,083
76-80 * 51,127 64,867 93,917 1,12,570 1,35,715 1,47,288 1,89,370
> 80 * 57,927 73,496 1,08,749 1,30,348 1,57,148 1,70,548 2,19,276
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 8,796 11,159 14,861 17,814 21,476 23,307 29,967
36-45 10,498 13,320 18,050 21,636 26,085 28,309 36,397
46-50 14,936 18,950 26,144 31,336 37,779 41,000 52,715
51-55 18,829 23,890 33,376 40,004 48,229 52,341 67,298
56-60 24,013 30,465 43,190 51,768 62,411 67,733 87,086
61-65 31,093 39,450 56,770 68,045 82,036 89,031 1,14,468
66-70* 42,834 54,346 78,904 94,576 1,14,021 1,23,743 1,59,099
71-75* 53,211 67,511 98,948 1,18,599 1,42,985 1,55,177 1,99,514
76-80 * 64,337 81,627 1,20,903 1,44,915 1,74,710 1,89,607 2,43,781
> 80 * 74,735 94,821 1,42,995 1,71,394 2,06,633 2,24,253 2,88,326

*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 10,616 13,470 17,527 21,008 25,328 27,487 35,340
36-45 12,174 15,444 20,500 24,572 29,625 32,150 41,335
46-50 16,757 21,261 28,809 34,532 41,630 45,181 58,089
51-55 20,799 26,388 36,256 43,456 52,392 56,858 73,105
56-60 26,018 33,011 46,124 55,284 66,651 72,335 93,002
61-65 33,022 41,897 59,591 71,427 86,112 93,455 1,20,156
66-70* 44,763 56,793 81,726 97,957 1,18,098 1,28,168 1,64,787
71-75* 55,140 69,959 1,01,769 1,21,981 1,47,061 1,59,602 2,05,202
76-80* 66,265 84,074 1,23,723 1,48,295 1,78,787 1,94,031 2,49,469
> 80* 76,665 97,269 1,45,815 1,74,776 2,10,710 2,28,678 2,94,015
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 12,959 16,442 20,953 25,115 30,278 32,859 42,248
36-45 14,326 18,177 23,650 28,347 34,175 37,090 47,686
46-50 19,101 24,234 32,235 38,637 46,581 50,554 64,998
51-55 23,330 29,600 39,958 47,894 57,742 62,666 80,570
56-60 28,597 36,284 49,895 59,805 72,102 78,251 1,00,607
61-65 35,501 45,043 63,219 75,774 91,353 99,142 1,27,470
66-70* 47,244 59,939 85,353 1,02,304 1,23,338 1,33,856 1,72,101
71-75* 57,619 73,105 1,05,396 1,26,328 1,52,303 1,65,290 2,12,516
76-80* 68,746 87,221 1,27,350 1,52,642 1,84,027 1,99,720 2,56,782
> 80* 79,145 1,00,414 1,49,442 1,79,123 2,15,952 2,34,366 3,01,327
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 15,823 20,074 25,140 30,132 36,329 39,426 50,690
36-45 16,959 21,516 27,499 32,960 39,737 43,127 55,447
46-50 21,963 27,866 36,422 43,656 52,633 57,120 73,441
51-55 26,425 33,527 44,485 53,319 64,282 69,764 89,697
56-60 31,750 40,283 54,507 65,331 78,764 85,480 1,09,903
61-65 38,533 48,889 67,652 81,087 97,759 1,06,095 1,36,408
66-70* 50,274 63,786 89,786 1,07,617 1,29,745 1,40,808 1,81,039
71-75* 60,651 76,951 1,09,830 1,31,642 1,58,709 1,72,242 2,21,454
76-80* 71,777 91,067 1,31,784 1,57,956 1,90,433 2,06,672 2,65,721
> 80* 82,175 1,04,260 1,53,876 1,84,436 2,22,358 2,41,318 3,10,266

Addl. Child 2,393 3,036 3,499 4,195 5,056 5,488 7,055

*Premium rates only for renewal

Annual Premium (Including Goods & Services Tax & Cess (if any) 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 5,815 7,056 7,986 9,572 11,221 12,176 15,656
18-35 6,947 8,431 11,024 13,212 15,488 16,808 21,611
36-45 7,861 9,540 12,724 15,250 17,875 19,400 24,943
46-50 11,499 13,955 18,931 22,690 26,596 28,864 37,111
51-55 14,539 17,645 24,251 29,068 34,071 36,976 47,541
56-60 18,770 22,779 31,802 38,119 44,680 48,490 62,344
61-65 26,065 31,632 44,860 53,769 63,024 68,398 87,941
66-70* 35,966 43,648 62,344 74,726 87,588 95,057 1,22,216
71-75* 43,451 52,732 76,068 91,176 1,06,869 1,15,981 1,49,119
76-80 * 52,142 63,278 92,291 1,10,620 1,29,660 1,40,716 1,80,920
> 80 * 59,962 72,769 1,08,309 1,29,819 1,52,165 1,65,139 2,12,322

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 8,962 10,875 13,792 16,531 19,376 21,028 27,035
36-45 9,714 11,787 15,267 18,299 21,450 23,278 29,930
46-50 13,515 16,401 21,698 26,007 30,483 33,082 42,535
51-55 16,717 20,288 27,241 32,653 38,273 41,536 53,403
56-60 20,989 25,470 34,850 41,771 48,961 53,135 68,317
61-65 28,283 34,324 47,906 57,421 67,304 73,043 93,913
66-70* 38,185 46,340 65,391 78,378 91,868 99,703 1,28,188
71-75* 45,670 55,423 79,114 94,828 1,11,149 1,20,627 1,55,092
76-80 * 54,359 65,969 95,338 1,14,271 1,33,939 1,45,361 1,86,893
> 80 * 62,180 75,462 1,11,355 1,33,472 1,56,444 1,69,785 2,18,294
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 11,552 14,018 17,348 20,794 24,374 26,453 34,009
36-45 12,094 14,678 18,538 22,219 26,044 28,265 36,340
46-50 16,105 19,544 25,256 30,272 35,483 38,508 49,509
51-55 19,516 23,685 31,088 37,262 43,675 47,399 60,941
56-60 23,840 28,932 38,768 46,466 54,464 59,107 75,997
61-65 31,137 37,786 51,823 62,115 72,807 79,016 1,01,592
66-70* 41,036 49,802 69,308 83,073 97,371 1,05,675 1,35,868
71-75* 48,520 58,886 83,032 99,524 1,16,652 1,26,600 1,62,772
76-80 * 57,211 69,431 99,255 1,18,966 1,39,443 1,51,334 1,94,573
> 80 * 65,033 78,922 1,15,273 1,38,166 1,61,948 1,75,757 2,25,974
*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 12,991 15,766 19,325 23,163 27,151 29,466 37,885
36-45 13,417 16,282 20,355 24,398 28,596 31,034 39,902
46-50 17,543 21,291 27,233 32,641 38,259 41,522 53,384
51-55 21,071 25,573 33,224 39,823 46,677 50,656 65,129
56-60 25,424 30,855 40,942 49,075 57,521 62,426 80,262
61-65 32,720 39,708 54,000 64,724 75,866 82,335 1,05,858
66-70* 42,620 51,724 71,484 85,682 1,00,430 1,08,992 1,40,133
71-75* 50,106 60,808 85,208 1,02,131 1,19,710 1,29,918 1,67,037
76-80 * 58,796 71,353 1,01,430 1,21,575 1,42,502 1,54,652 1,98,838
> 80 * 66,617 80,847 1,17,449 1,40,775 1,65,005 1,79,076 2,30,239
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 9,726 11,802 15,433 18,499 21,683 23,532 30,255
36-45 11,609 14,088 18,745 22,468 26,336 28,581 36,748
46-50 16,516 20,042 27,149 32,542 38,142 41,396 53,223
51-55 20,820 25,269 34,660 41,543 48,693 52,845 67,944
56-60 26,552 32,223 44,852 53,760 63,012 68,385 87,923
61-65 35,758 43,395 61,312 73,488 86,138 93,483 1,20,191
66-70* 49,259 59,781 85,216 1,02,142 1,19,722 1,29,930 1,67,055
71-75* 61,192 74,262 1,06,863 1,28,088 1,50,135 1,62,936 2,09,490
76-80 * 73,987 89,790 1,30,575 1,56,508 1,83,445 1,99,087 2,55,970
> 80 * 85,945 1,04,304 1,54,435 1,85,105 2,16,965 2,35,465 3,02,742
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 11,740 14,247 18,202 21,815 25,571 27,751 35,680
36-45 13,461 16,336 21,288 25,518 29,909 32,459 41,733
46-50 18,530 22,488 29,917 35,859 42,030 45,615 58,648
51-55 22,998 27,911 37,649 45,128 52,896 57,406 73,808
56-60 28,770 34,915 47,899 57,411 67,293 73,030 93,896
61-65 37,976 46,087 64,358 77,140 90,418 98,128 1,26,163
66-70* 51,478 62,473 88,264 1,05,793 1,24,003 1,34,577 1,73,027
71-75* 63,411 76,955 1,09,911 1,31,740 1,54,414 1,67,582 2,15,462
76-80* 76,206 92,481 1,33,621 1,60,159 1,87,726 2,03,733 2,61,942
> 80* 88,165 1,06,995 1,57,480 1,88,758 2,21,245 2,40,112 3,08,715

*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 14,330 17,391 21,759 26,080 30,569 33,176 42,653
36-45 15,842 19,226 24,559 29,437 34,503 37,446 48,145
46-50 21,121 25,632 33,474 40,124 47,029 51,040 65,622
51-55 25,798 31,308 41,496 49,736 58,298 63,268 81,346
56-60 31,622 38,377 51,815 62,106 72,795 79,002 1,01,574
61-65 40,827 49,547 68,276 81,835 95,921 1,04,100 1,33,843
66-70* 54,331 65,934 92,182 1,10,488 1,29,505 1,40,549 1,80,705
71-75* 66,263 80,415 1,13,829 1,36,435 1,59,918 1,73,554 2,23,142
76-80* 79,058 95,943 1,37,538 1,64,854 1,93,229 2,09,706 2,69,622
> 80* 91,017 1,10,456 1,61,398 1,93,453 2,26,750 2,46,084 3,16,393
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 17,496 21,233 26,108 31,291 36,678 39,805 51,178
36-45 18,753 22,757 28,557 34,228 40,119 43,541 55,980
46-50 24,287 29,474 37,823 45,336 53,138 57,669 74,146
51-55 29,220 35,461 46,196 55,370 64,900 70,434 90,559
56-60 35,109 42,607 56,602 67,844 79,521 86,303 1,10,960
61-65 44,313 53,777 73,064 87,574 1,02,647 1,11,400 1,43,228
66-70* 57,815 70,165 96,969 1,16,226 1,36,232 1,47,848 1,90,091
71-75* 69,749 84,646 1,18,616 1,42,173 1,66,644 1,80,854 2,32,527
76-80* 82,543 1,00,174 1,42,326 1,70,593 1,99,955 2,17,006 2,79,006
> 80* 94,501 1,14,687 1,66,185 1,99,191 2,33,476 2,53,384 3,25,779

Addl. Child 2,647 3,211 3,633 4,355 5,105 5,541 7,122

Critical Advantage Rider Premium (INR)

Age Band USD 250,000 USD 500,000
Points to Remember
0-17 5,703 6,478
18-35 9,165 10,557 • The rider will be issued for a period of 1 or
36-45 13,804 15,677 2 year(s) period depending on policy tenure
46-50 21,376 24,289 of base policy, the sum insured & benefits will
51-55 24,066 27,354 applicable on Policy Year basis.
56-60 26,472 30,090 • This rider can be issued to an individual and/or
61-65 28,774 32,706 family only on individual Sum Insured basis.
66-70 * 30,083 34,193 • This rider will be offered with Optima Restore
*Premium rates only for renewal

71-75 * 31,515 35,821 policy where base Sum Insured is Rs. 10 lacs
76-80 * 31,515 35,821 & above.
>80 * 31,515 35,821

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 inclusive of Goods & Services Tax & Cess
(if any). 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 - 6040X 2 X 92.5% = Rs. 11174/-
2. Proposed Insured Age 35 years from Delhi opting for Optima Restore Individual 2 year policy with Sum
Insured of 3 Lac. Calculation - (6040+6836) X 92.5% = Rs. 11910.30/-
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, 8-2-293/82/J III/DH/900 Jubilee Hills, Hyderabad, Telangana - 500033
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: [email protected]
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: U66030TG2006PLC051760 • UIN: IRDAI/HLT/AMHI/P-H/V.III/1/2016-17

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