Apollo Munich Health Insurance - Buy Online

Apollo Munich Easy Health Plan - Individual Health Insurance Plan

Key Features

• Coverage cost between 1lakhs and 10lakhs
• Coverage is offered with respect to individual sum insured basis
• Lifetime renewal - The policy can be renewed for the entire life span

Eligibility

• Individual alone or along with the family are eligible. Family members may be spouse, dependents like children or parents.
• Proposer age should be 21 years
• Dependants’ age above 91 days
• Discount of 10% is provided if a single policy covers at least 3 family members.
• For maximum age of 65 years, the existing sum insured choices are 1lakhs and 2 lakhs

Apollo Munich Easy Health Plan – Family Health Insurance Plan/Family Floater Health Insurance

• 2 Adult
• 1 Adult+1 Child
• 1 Adult+2 Children
• 2 Adults+1 Child
• 2 Adults+2 Children

Eligibility:

• Proposer age should be 21 years
• Child’s age should be at least 91 days and not more than 21 years
• Discount of 10% is provided if a single policy covers at least 3 family members.

Coverage period:

• Plan duration may be 1 or 2 years as per your requirements.
• Discount of 7.5% if the policy is purchased for 2 years.
• If you have chosen an option which has sum insured maximum of 2lakhs your age can be at most 65 years while for other sum insured options, your age should not be more than 60 years.

Apollo Munich Benefits Table

Apollo Munich Unique Coverage Benefits

1. Pre-hospitalization Coverage
   The medical expenses that you incur during the 30 days before you get hospitalized will be covered. If you inform Apollo Munich health insurance 5 days before you get hospitalized, the coverage for pre-hospitalization will be increased to 60 days.


2. Post hospitalization Coverage
   The medical expenses that you incur during a span of 60 days immediately after you are discharged from hospital. If you inform Apollo Munich health insurance 5 days before you get hospitalized, the coverage for post-hospitalization will be increased to 90 days.


3. Coverage for Day-Care Procedures
   As technology has improved so much, there are some medical procedures that do not require 24 hrs hospitalization. The plan provides coverage for these enlisted 140 day care procedures.


4. Cumulative Bonus
   For every claim-free year you will get a cumulative bonus of 10% which may sum up to 50%. If there is a claim, the CB will be decreased to 20% of SI on the following renewal.


5. Portability
   The customer can shift to Apollo Munich Health Insurance if he has been insured by some other company’s health insurance. The portability policy is custom friendly and focuses on transferring of the most accrued benefits and makes due allowances for waiting period.


6. Additional Coverage for critical illness
   By choosing the Exclusive and Premium options of the Easy Health insurance policy, you can enjoy an additional cover for critical illness which provides coverage 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 benefit is optional and can be chosen as per your requirement. The sum insured for critical illness will be either 50% or 100% of the basic sum insured.


7. Tax Benefits
   Easy Health Individual Health Insurance Plan will allow you to avail tax benefits for the premium amount under Section 80D of the Income Tax Act. (Tax benefits are subject to changes in Tax Laws)

Apollo Munich Value Added Services

1. Healthline – Provides free of cost service
   By providing the customer id to the Healthline of Apollo Munich Easy Health Insurance, you can acquire help in primary consultation, health-related counseling, individual referrals, health information, nutrition and diet.


2. Cashless hospitalization
   Cashless Hospitalization Service is available in more than 4000 hospitals listed in the guide book which will accompany your policy sent.


3. Health Risk Assessment The customer of Apollo Munich health insurance can access the health risk assessment tool which will maintain the health status of the customer on the website. Following the assessment, recommendations on diet, lifestyle and nutrition routine will be offered to the customer.

Apollo Munich Renewal

1. Life-term renewal.
2. Waiting Period specified in the policy wordings will be reduced by 1 year on every continuous renewal
3. Enhancement of sum insured while renewing - The enhancement to the sum insured can be done only at the time of renewal as long as no claim has been done under the policy. If the sum insured has increased one grid up, no medical test 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 Exclusions

1. Any treatment within the initial 30 days of coverage excluding injuries arising from accidents.
2. Coverage for pre-existing conditions will be only after a waiting period of 3 years.
3. Expenses incurred from AIDS or HIV and related diseases.
4. Treatments from non-allopathic medicines.
5. Expenses arising from treatment for congenital diseases, medical disorder or insanity, cosmetic surgery and control of weight treatments.
6. Abuse of intoxicant or hallucinogenic substances like intoxicating drugs and alcohol.
7. Hospitalization because of events like war, or because of a nuclear, chemical or biological weapon and any kind of radiation.
8. Maternity, Dental treatment, External Aids and appliances unless covered under the specific Easy Health Family Health Insurance Plan.
9. Waiting Period of 2 years for diseases like cataract, hernia, hysterectomy, joint replacement, etc.
10. Items of personal comfort and convenience.
11. Experimental, investigative and unproven treatment devices and pharmacological regimens.