Apollo Munich Health Insurance - Easy Health Exclusive
Apollo Munich health insurance offer plan called Easy Health Exclusive, which provides sum insured as 3 lakhs, 4 lakhs, 5 lakhs and 7 lakhs.
Apollo Munich Health Medical Insurance - Medical Coveages
Pre-Hospitalisation
The medical expenses that you incur due to ilness during the 30 days immediately before you are hospitalised. The same will be increased to 60 days if you intimate us 5 days prior to hospitalisation.
Post-Hospitalisation
The medical expenses that you incur in the 60 days immediately after you are discharged from hospitalised. The same will be increased to 90 days if you intimate us 5 days prior to hospitalisation.
Day-care procedures
The medical expenses for 140 day-care procedures, which do not require 24 hours hopitalisation due to technological advancement.
Cumulative Bonus
You get a cumulative Bonus(CB) of 10% for every claim-free year accumulating up to 50%(in the event of a claim, CB will be reduced by 20% of SI on the next renewal).
Portability
If you are insured with some other company's health insurance and you want to shift to us in renewal, you can. Our portability policy is customer friendly and aims to achive the transfer of most of the accrued benefits, and make due allowance for waiting periods, etc.
Additional Cover for Critical Illness
With the Premium variants of Easy Health Insurance Plans you can opt for Critical Illness covers for cancer, coronary artery(bypass) surgery, first heart attack(myocardial infarction), kidney failure(end-stage renal disease), major organ transplantation, multipla sclerosis, paralysis and stroke. This is an optonal benefit to be taken as per you need. The sum insured for Critical Illness can be either 50% or 100% of your basic sum insured.
Tax Benefits
With the Easy Health Individual Health Insurance plan you canpresently avail tax benefits for the premium amount under section 80D of the Income Tax Act.
Medical Benefits
Sum Insured per Insured Person per Policy Year
3lakhs, 4 lakhs, 5 lakhs
7.5 lakhs
In-patient Treatment
Covered
Pre - hospitalisation
Covered
Post - hospitalisation
Covered
Day Care Procedures
Covered
Domiciliary Treatment
Covered
Daily Cash for choosing Shared Accomodation
Rs. 500 per day, Maximum Rs. 3,000
Rs. 800 per day, Maximum Rs. 4,800
Expenses for Organ Donor of Transplant
Covered
Emergency Ambulance
Upto Rs. 2,000
Daily Cash for accompanying an insured child
Rs. 300 per day, Maximum Rs.9,000
Rs. 500 per day, Maximum Rs.15,000
Newborn baby
Optional
Maternity Expenses with Waiting Period of 6 Years
Normal Delivery Rs.15,000*
Caesarean Delivery Rs.25,000*
(* including Pre/Post Natal Limit of Rs.1,500 and New Born limit of Rs. 2,000)
Normal Delivery Rs. 25,000*
Caesarean Delivery Rs.40,000*
(* including Pre/Post Natal Limit of Rs.2,500 and New Born limit of Rs. 3,500)
Out-patient Dental Treatment with Waiting Period of 3 years
Not Covered
Spectacles, Contact Lenses, Hearing Aid Every Third Year
Not Covered
E-opinion in respect of a Critical Illness
Not Covered
Additional Cover for Critical Illness
Optional 50% or 100% of basic Sum Insured
Health Checkup
Upto 1% of Sum Insured subject to a Maximum of Rs. 5,000 per Insured Person, only once at the end of a block of every continuous three claim free years.
Apollo Munich Mediclaim Insurance - Value-Added Services
We offer you a range of value-added services to promote your well-being, prevent illness as well as make hospitalisation stress-free for you and your family.
Healthline
Just ring us and quote your customer ID to reach our experts and avail their help in primary consultation, health-related counselling, individual referrals, health information, nutrition and diet. The services on the healthline would be available at no extra cost to the cutomers. They will be constantly augmented to cover further areas of health and well-being to include personalised health and wellness solutions.
Cashless Hospitalisation
In addition to reimbursement of claims at all hospitals, the Easy Health Insurance Plan is valid on a cashless basis in over 4000 hospitals listed in the guide book to be sent along with the policy and updated periodically on our website
Apollo Munich Medical Insurance - Terms of Renewal
We offer life-long renewal unless the Insured Person or any one acting on behalf of an Insured Person has acted in a dishonest or fraudulent manner or any misrepresentation under or in relation to this policy or the Policy poses a moral hazard.
Maximum Age – There is no maximum cover ceasing age in this policy. For Additional cover of Critical Illness maximum cover ceasing age in this policy would be 70 yrs.
Waiting Period - The Waiting Periods mentioned in the policy wording will get reduced by 1 year on every continuous renewal of your Easy Health Insurance Plan.
Renewal Premium - Renewal premium are subject to change with prior approval from IRDA.
Sum Insured Enhancement – Sum Insured can be enhanced only at the time of renewal subject to no claim have been lodged/ paid under the policy. If the insured increases the sum insured one grid up, no fresh medicals shall be required. In cases where the sum insured increase is more than one grid up, the case shall be subject to medicals. In case of increase in the Sum Insured waiting period will apply afresh in relation to the amount by which the Sum Insured has been enhanced. However the quantum of increase shall be at the discretion of the company.
