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02/01/05

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You are now chatting with 'Abish'
Raaman: hi
Abish: Hello! Welcome to Apollo Munich Live Chat Support. My name is Abish. How may I assist you?
Raaman: explain me about optima restore
Raaman: 1) i would like to take two policy self+kid, wife+kid
Abish: I will be happy to assist you with that.
Raaman: for 10lakhs each
Abish: May I know the age of each member?
Abish:
Raaman: rut
Raaman: 39+1year, 38+12years
Abish: I hope there is no pre medical history with anyone (If anything, please mention.)
Abish: Is there any medical history to anyone like, BP, Sugar, Heart related issues, any major surgery done
in past, etc. or anything else that you would like to disclose.
Raaman: No
Raaman: now the question is, as of now no history, but if we identify during the policy period, how that is
treated in the policy, or diseases arising out of that say bp or sugar, whether the policy support for the
medical reimbursement or just ignore the case?
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You are now chatting with 'Abish'
Abish: welcome
Abish: back

Raaman: now the question is, as of now no history, but if we identify during the policy period, how that is
treated in the policy, or diseases arising out of that say bp or sugar, whether the policy support for the
medical reimbursement or just ignore the case?
Abish: Waiting Periods
Abish: From the 1st day accidents will be cover.
Abish: After 30 days all major critical illness and normal hospitalizations will be cover .
Abish: 2 years waiting period for some specific disease like cataract , kidney stones , joint replacement etc.
Abish: 3 years waiting period for pre existing disease (Depends on the disease, if any)
Raaman: i am not clear, prexistign diseses, if not dianosed during the policy taking time, but diagonesed
after say couple of months, will it be covered, or ignored stating that it should have been there for last
couple of years like statement