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 Insurance are power packed for you and your family.
Individuals can opt for coverages ranging from 1lakh to 10lakh.
Family floater 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
Health Insurance Plans offered by Apollo Munich Medical Health Insurance
Apollo Munich Health Insurance Plan has designed the following health insurance plans for individual and family and you can opt a plan which best fulfills all your requirements.
The maximum coverage range is between 1lakhs and 10lakhs among these plans.
The plans are as listed below:
Easy Health Plan: A plan that is tailor-made especially to fit every one's pocket.
Easy Health Standard
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.
Easy Health Exclusive: Apollo easy health exclusive insurance gives an option of covering critical illness as an add-on up to 50% or 100% of sum insured for a nominal additional premium. Covers maternity after a waiting period, which makes it unique in its class.
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.
Easy Health Premium: Apollo easy health premium insurance gives an option of covering critical illness as an add-on cover up to 50% or 100% of sum insured by paying nominal excess premium. Take e-opinion from expert panel of doctors who will guide you through this critical time starting at ...Rs. 5000 per annum
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
Optima Restore Plan for individual and family: OptimaRestore Health Insurance Plan is the new product designed by Apollo Munich.
The 2 key features for OptimaRestore health insurance plan are:
If the sum insured has been exhausted before a particular plan year ends, this plan will restore the full sum insured amount.
For claim-free years, the sum insured will be increased by 50% in the following year and becomes twice the amount in the 2nd following year.
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 with Waiting Period of 6 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. 2,000)
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. 2,000)
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
Apollo Munich Health Medical Insurance - Medical Benefits Coverage
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.
Value Added Services from Apollo Munich Health Insurance
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.
Apollo Munich Medical Insurance - Terms of Renewal
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.
Apollo Munich Health Insurance - Exclusions
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.
