Apollo Munich Mediclaim Insurance

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  • Individual Health  Family Floater
  •   OR age      years
  •        

Health Insurance Products


  • For Individuals aged 61 years and above.
  • Lifelong renewal
  • No loading on premium during renewals irrespective of expenses incurred during the current year.
  • It has a TPA called Family Health Plan Ltd , which helps in faster claims settlement.
  • E-opinion
  • Maximum Coverage options: INR 2lakhs, INR 3Lakhs or INR 5Lakhs

Restore Benefit: Equal to the sum insured. Extra sum insured will be reinstated only after the basic sum insured amount has been exhausted. This does not involve additional cost.

Multiplier Benefit: 50% of the initial basic sum insured for every year without claims and maximum is 100%. If there are claims, only the bonus is reduced by 50%, not the initial sum insured.




For Individual: Apollo Munich easy health standard for individuals provides coverage for medical expenses INR 1lakhs to 5lakhs

For Family: Apollo Munich easy health standard for family provides coverage for medical expenses INR 2lakhs to 5lakhs.

For Individual: Apollo Munich easy health exclusive for individuals provides coverage for medical expenses INR 3lakhs to 7.5lakhs.

For Family: Apollo Munich easy health exclusive for family provides coverage for medical expenses INR 3lakhs to 7.5lakhs.

For Individual: Apollo Munich easy health Premium for individuals provides coverage for medical expenses INR 4lakhs to 10lakhs.

For Family: Apollo Munich easy health Premium for family provides coverage for medical expenses INR 4lakhs to 10lakhs.


Apollo Munich health insurance plans are designed to suit your requirements best as per your budget. By providing a guidance to the path of wellness through protection of prevention and cover, Apollo Munich health insurance helps the insured to guard oneself from costly health care. Individuals can buy Apollo's Easy Health Insurance which is also called as Apollo Munich Easy Health Individual Health Insurance Plan and for your family buy Apollo Munich Easy Health Family Floater Health Insurance Plan. Right from pre hospitalization and post hospitalization of you and your family are covered under these plan.

Apollo Munich Medical Insurance plans are providing coverage on cashless basis in over 4000 hospitals and thus giving hassle free transaction for expenses incurred. You can decide from the three plans available under Apollo Munich Mediclaim Insurance as per your requirements.

With unique features, Apollo Munich Easy Health Mediclaim Insurance are power packed for you and your family.

Get insured with Apollo Munich's Optima Restore up to 15 Lakhs

Restore Benefit which reinstates the sum insured once sum insured amount gets exhausted

Multiplier Benefit 50% no claim bonus for every claim free year, upto 100%

Individuals can opt for easy health plan coverages ranging from 1lakh to 10lakh.

Family floater easy health plans are available in the range of 2 lakh to 10 lakh

Fastest Claims settlements in the Industry

Life long renewal of the health insurance

Income tax benefit under section 80 D

Cashless Access in network of hospitals

Comprehensive coverage for hospitalization

Pre- and post-hospitalization benefit

10% cumulative bonus for every claim-free year accumulating upto 50%

Optional additional coverage for Critical Illness

Coverage for Maternity expenses after a waiting period

Coverage for new born baby which is more than 3 months old along with the family

Daily cash for choosing shared accommodation


Benefits Easy Health Standard Easy Health Exclusive Easy Health Premium
Sum Insured per Insured Person per Policy Year (in lakhs) 1 lakhs, 2 lakhs, 3lakhs, 4 lakhs, 5 lakhs 3lakhs, 4 lakhs, 5 lakhs 7.5 lakhs 4 lakhs, 5 lakhs 7.5 lakhs, 10 lakhs
1 a) In-patient Treatment Covered
1 b) Pre-hospitalisation Covered
1 c) Post-hospitalisation Covered
1 d) Day Care Procedures Covered
1 e) Domiciliary Treatment Covered
2 a) Daily Cash for choosing Shared Accommodation Rs. 500 per day, Maximum Rs. 3,000 Rs. 500 per day, Maximum Rs. 3,000 Rs. 800 per day, Maximum Rs. 4,800 Rs. 500 per day, Maximum Rs. 3,000 Rs. 800 per day, Maximum Rs. 4,800
2 b) Organ Donor Covered
2 c) Emergency Ambulance Upto Rs. 2,000 per hospitalization
2 d) Daily Cash for accompanying an insured child Not Covered Rs. 300 per day, Maximum Rs. 9,000 Rs. 500 per day, Maximum Rs. 15,000 Rs. 300 per day, Maximum Rs. 9,000 Rs. 500 per day, Maximum Rs. 15,000
2 e) Newborn baby Not Covered Optional
3 a) Maternity Expenses (for Individual 6 years waiting period & familly 4 years) Not Covered 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)
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)
3 b) Outpatient Dental Treatment with Waiting Period of 3 years Not Covered 50% of Admissible expenses, Upto 1 % of Sum insured subject to a Maximum of Rs.5,000
3 c) Spectacles, Contact Lenses, Hearing Aid Every Third Year Not Covered 50% of Admissible expenses, max upto Rs.5,000
3 d) E-Opinion in respect of a Critical Illness Not Covered Covered, one opinion per policy year
4) Additional Cover for Critical Illness Not Covered Optional 50% or 100% of in-patient Sum Insured
5) Health Checkup Upto 1% of Sum Insured per Insured Person, only once at the end of a block of every continuous four claim free years. 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. 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 two claim free years.
Benefits under 3b), 3c), 3d) and 5) are subject to pre-authorisation by the TPA

Pre-hospitalization: The expenses incurred for the medicines required for the treatment of sickness during a period of 30 days immediately before you get hospitalized will be covered. If in case you notify Apollo Munich Health Insurance 5 days before getting hospitalized then the duration will be increased to 60 days of medical coverage for pre-hospitalization.

Post-hospitalization: The expenses incurred for treatment of the patient during a period of 60 days immediately after hospitalization. If in case you notify Apollo Munich Health Insurance 5 days before getting hospitalized then the duration will be increased to 90 days of medical coverage for post-hospitalization.

Day-care procedures: As the technology is well advanced, there are some procedures which requires less than 24 hrs of hospitalization. Apollo Munich Health Insurance covers medical expenses for 140 such day care procedures.

Cumulative Bonus: For every claim free year, the insured gets a CB of 10% which can be summed up to 50%. If there are claims, the CB will be decreased by 20% of the sum insured while renewing the policy.

Portability: The customers can shift to Apollo Munich health insurance from their existing plan of a different company. This portability is done only while renewing an existing policy. This process is easy and simple and intends to shift most of the accrued benefits.

Critical illness: The premium option of Easy Health Insurance plan, you can choose coverage for Critical Illness for cancer, coronary artery(bypass) surgery, first heart attack(myocardial infarction), kidney failure(end-stage renal disease), major organ transplantation, multiple sclerosis, paralysis and stroke. This is an optional benefit that you can opt for and the sum insured will be either 50% or 100% of your initial sum insured.

Tax Benefits: Under section 8D of the Income Tax Act, with Easy Health Insurance, the insured can avail tax benefits for the premium amount.

Apollo Munich Health Insurance Company provides some of the services to promote the well-being of the customers.

Healthline: To avail services like primary consultation, counseling for health-related issues, information on health, nutrition and diet, you can contact the healthline of Apollo Munich by providing your customer id. These services are free of cost and provided by well trained professionals.

Cashless hospitalization: This available in around 4000 hospitals across 800 cities in India.

Health Risk Assessment: By possessing an insurance from Apollo Munich, the customers can access the health risk assessment tool which will store their health related information and will recommend them the appropriate diet, lifestyle and nutrition regimen.

Lifelong renewal. For additional coverage of Critical Illness the maximum age for renewal is 70 years.

The waiting period mentioned in the policy wordings will be decreased by 1 year on continuous renewal.

Sum insured enhancement while renewing: Only while renewing you can get your sum insured enhanced as long as no claim has been done under the policy. If the sum insured increases one grid up, no medical exam is needed. If the increase in Sum Insured is more than one grid up, the insured should get medical test done. 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.

Other than accidental injury, all other treatments within the early 30 days of coverage

Pre-existing conditions are covered after a waiting period of 3 years

Coverage for expenses occurring from treatment of HIV or AIDS and related diseases

Treatments for congenital diseases, mental disorder or insanity, cosmetic surgery and weight control.

Coverage for Non Allopathic treatments

Coverage for expenses arising from abuse of intoxicant or hallucinogenic substances like alcohol and drugs

Hospitalization due to events like war, damage caused from nuclear, chemical or biological weapons and any kind of harmful radiations

Maternity, Dental treatment, External Aids and appliances unless covered under the specific Easy Health Family Health Insurance Plan.

Waiting Period of 2 years for diseases like cataract, hernia, hysterectomy, joint replacement, etc.

Items of personal comfort and convenience.

Experimental, investigative and unproven treatment devices and pharmacological regimens.