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Apollo Munich

OVERVIEW

Apollo Munich Health Insurance offers the best health insurance plans in India today, for men and women of any age. Apollo Munich offers individual health insurance plans, family floater health insurance plans and group health insurance policies for corporate. Ranging from Easy Health to Optima Restore to Energy, these health insurance policies will not only guard you against the present and future spiralling healthcare costs, but will also guide you on the path to wellness for the long term.

Apollo Munich Health Insurance Benefits.

  • Person can choose from a Sum Insured starting from Rs. 1 lakh to Rs. 15 lakhs and enjoy best health insurance benefits at affordable premium.
  • Pre and Post Hospitalisation Expenses are covered under the policy, which gives the relief to the person from medical expense.
  • Specialized in-house claims processing team of doctors that processes your claim. When it comes to claim settlement, Apollo Munich is one of the fastest in the industry to honour every genuine claim. About 98% of our claims are settled within 15 days.
  • Tax benefits on our health insurance plans for the premium amount under Section 80D of the Income Tax Act.
  • A person can enjoy a life time renewal benefit of health insurance policy and be secure against medical expense.
  • If you or your family member exhausts your sum insured during the year, Apollo Munich will restore the full amount back for usage for any new illnesses without any paperwork or any extra charge
  • As our customer, you can benefit from our Health Portal. Explore healthy living, improve your lifestyle, never miss appointments, access reports 24X7 anywhere, chat with a health coach, and lots more.
  • *Applicable only for Optima Restore

How to select best Health Insurance Plan.

  • Health Insurance is must for all; it is a security when you need it most. You need to make sure that you are getting a best deal, you need to know which health insurance plan is right for you and which would give you good benefits. Here we have given some easy to follow guides
  • A person should buy the insurance when young and healthy, at younger age if you buy the policy it helps you when you are old and suffering from diseases. Also, the premium of a health insurance policy is dependent on customer’s age and health status. Hence, buying a cover at a young age will be cheaper than buying it at a later stage
  • While buying the policy you should also consider whether to buy the policy for individual or for all family members. In case of younger family, you should go for family floater policy. It would cover 2 adults and 2 children’s.
  • In order to offer effective coverage, each health insurance plan has certain broad exclusions along with waiting periods. Thus, you should refer to your policy documents to determine which health care services are covered and to what extent. You should make it a point to ask for sample policy as to get in knowledge about certain definitions, terms and conditions, exclusions and benefits being offered while comparing different insurance policies offered by other companies
  • While choosing for the health insurance policy, you should be clear that plan has no specific diseases or specific sub-limit a policy with no sub-limits will help you avoid unpleasant situations at the time of claims
  • It is very much important to read the policy wording and other documents of the policy carefully, while you are opting for the plan.
  • A person should clear all the doubts before buy the health insurance policy, if any problem you can always turn to your insurance advisor. It would clear all your doubts

INDIVIDUAL HEALTH INSURANCE PLAN

Our first of a kind Optima Restore plan offers a unique Restore benefit that automatically reinstates the basic sum insured in case you exhaust it in a policy year. Sure it sounds too good to be true but here is how it works: If you use up your coverage in an individual policy and fall ill with another illness, we will restore the entire sum insured for you to use, at no extra charge.

It also rewards you with a multiplier benefit in case you don’t claim in the policy. The multiplier benefit doubles the sum insured in 2 claim free years!

Benefits

  • The medical expenses for coverage for hospitalization of more than 24 hrs with no room rent limits.
  • The medical expenses that you incur due to illness during 60 days immediately before you are hospitalized.
  • The medical expenses you incur in the 180 days immediately after you are discharged from hospital.
  • The medical expenses for all day-care procedures covered, which do not require 24 hours hospitalization due to technological advancement, are covered.

Stay Healthy Packages

  • "Stay Healthy” Program that offers
  • Online health assessment

Our first of a kind Optima Restore plan offers a unique Restore benefit that automatically reinstates the basic sum insured in case you exhaust it in a policy year. Sure it sounds too good to be true but here is how it works: If you use up your coverage in an individual policy and fall ill with another illness, we will restore the entire sum insured for you to use, at no extra charge.

It also rewards you with a multiplier benefit in case you don’t claim in the policy. The multiplier benefit doubles the sum insured in 2 claim free years!

Benefits

  • The medical expenses for coverage for hospitalization of more than 24 hrs with no room rent limits.
  • The medical expenses that you incur due to illness during 60 days immediately before you are hospitalized.
  • The medical expenses you incur in the 180 days immediately after you are discharged from hospital.
  • The medical expenses for all day-care procedures covered, which do not require 24 hours hospitalization due to technological advancement, are covered.

Stay Healthy Packages

  • "Stay Healthy” Program that offers
  • Online health assessment

Our first of a kind Optima Restore plan offers a unique Restore benefit that automatically reinstates the basic sum insured in case you exhaust it in a policy year. Sure it sounds too good to be true but here is how it works: If you use up your coverage in an individual policy and fall ill with another illness, we will restore the entire sum insured for you to use, at no extra charge.

It also rewards you with a multiplier benefit in case you don’t claim in the policy. The multiplier benefit doubles the sum insured in 2 claim free years!

Benefits

  • The medical expenses for coverage for hospitalization of more than 24 hrs with no room rent limits.
  • The medical expenses that you incur due to illness during 60 days immediately before you are hospitalized.
  • The medical expenses you incur in the 180 days immediately after you are discharged from hospital.
  • The medical expenses for all day-care procedures covered, which do not require 24 hours hospitalization due to technological advancement, are covered.

Stay Healthy Packages

  • "Stay Healthy” Program that offers
  • Online health assessment

Our first of a kind Optima Restore plan offers a unique Restore benefit that automatically reinstates the basic sum insured in case you exhaust it in a policy year. Sure it sounds too good to be true but here is how it works: If you use up your coverage in an individual policy and fall ill with another illness, we will restore the entire sum insured for you to use, at no extra charge.

It also rewards you with a multiplier benefit in case you don’t claim in the policy. The multiplier benefit doubles the sum insured in 2 claim free years!

Benefits

  • The medical expenses for coverage for hospitalization of more than 24 hrs with no room rent limits.
  • The medical expenses that you incur due to illness during 60 days immediately before you are hospitalized.
  • The medical expenses you incur in the 180 days immediately after you are discharged from hospital.
  • The medical expenses for all day-care procedures covered, which do not require 24 hours hospitalization due to technological advancement, are covered.

Stay Healthy Packages

  • "Stay Healthy” Program that offers
  • Online health assessment

Our first of a kind Optima Restore plan offers a unique Restore benefit that automatically reinstates the basic sum insured in case you exhaust it in a policy year. Sure it sounds too good to be true but here is how it works: If you use up your coverage in an individual policy and fall ill with another illness, we will restore the entire sum insured for you to use, at no extra charge.

It also rewards you with a multiplier benefit in case you don’t claim in the policy. The multiplier benefit doubles the sum insured in 2 claim free years!

Benefits

  • The medical expenses for coverage for hospitalization of more than 24 hrs with no room rent limits.
  • The medical expenses that you incur due to illness during 60 days immediately before you are hospitalized.
  • The medical expenses you incur in the 180 days immediately after you are discharged from hospital.
  • The medical expenses for all day-care procedures covered, which do not require 24 hours hospitalization due to technological advancement, are covered.

Stay Healthy Packages

  • "Stay Healthy” Program that offers
  • Online health assessment

Our first of a kind Optima Restore plan offers a unique Restore benefit that automatically reinstates the basic sum insured in case you exhaust it in a policy year. Sure it sounds too good to be true but here is how it works: If you use up your coverage in an individual policy and fall ill with another illness, we will restore the entire sum insured for you to use, at no extra charge.

It also rewards you with a multiplier benefit in case you don’t claim in the policy. The multiplier benefit doubles the sum insured in 2 claim free years!

Benefits

  • The medical expenses for coverage for hospitalization of more than 24 hrs with no room rent limits.
  • The medical expenses that you incur due to illness during 60 days immediately before you are hospitalized.
  • The medical expenses you incur in the 180 days immediately after you are discharged from hospital.
  • The medical expenses for all day-care procedures covered, which do not require 24 hours hospitalization due to technological advancement, are covered.

Stay Healthy Packages

  • "Stay Healthy” Program that offers
  • Online health assessment

Our first of a kind Optima Restore plan offers a unique Restore benefit that automatically reinstates the basic sum insured in case you exhaust it in a policy year. Sure it sounds too good to be true but here is how it works: If you use up your coverage in an individual policy and fall ill with another illness, we will restore the entire sum insured for you to use, at no extra charge.

It also rewards you with a multiplier benefit in case you don’t claim in the policy. The multiplier benefit doubles the sum insured in 2 claim free years!

Benefits

  • The medical expenses for coverage for hospitalization of more than 24 hrs with no room rent limits.
  • The medical expenses that you incur due to illness during 60 days immediately before you are hospitalized.
  • The medical expenses you incur in the 180 days immediately after you are discharged from hospital.
  • The medical expenses for all day-care procedures covered, which do not require 24 hours hospitalization due to technological advancement, are covered.

Stay Healthy Packages

  • "Stay Healthy” Program that offers
  • Online health assessment

FAMILY HEALTH INSURANCE PLAN

Our first of a kind Optima Restore plan offers a unique Restore benefit that automatically reinstates the basic sum insured in case you exhaust it in a policy year. Sure it sounds too good to be true but here is how it works: If one of the family members exhaust the floater sum insured during the year and any other family member falls ill later during the same insured period, we will restore the entire amount at no extra charge.

Benefits

  • The medical expenses for coverage for hospitalization of more than 24 hrs with no room rent limits.
  • The medical expenses that you incur due to illness during 60 days immediately before you are hospitalized.
  • The medical expenses you incur in the 180 days immediately after you are discharged from hospital.
  • The medical expenses for all day-care procedures, which do not require 24 hours hospitalization due to technological advancement, are covered.
  • The treatment expenses involved in getting a treatment done at home which otherwise would need hospitalization.
  • Expenses incurred if ambulance service is used on the way to hospital for hospitalization (up to Rs. 2000).
  • A comprehensive health check-up involving a number of medical tests only once at the end of a block of two continuous policy years.
  • You get a bonus of 50% of the basic sum insured for every claim free year accumulating up to 100%.

Stay Healthy Package

  • "Stay Healthy” Program that offers
  • Online health assessment
  • Customized diet & exercise plan from our experts
  • E- storage facilities to store your medical reports for 24X7 access
  • Great offers & discounts on heath products & services
  • Set alerts to track your health appointments and medicinal intake
  • Exclusive health newsletter & helpline services

Eligibility

  • Coverage from the age of 5 years onwards with maximum entry age of 65 years. A dependent child can be covered from the 91st day (if either parents are covered under this policy).

Our Easy Health Family floater Plan protects your family not only from unforeseen emergency expenses but also offers a comprehensive cover for medical treatment of illnesses and accidents requiring in-patient hospitalisation. The Plan offers coverage on floater sum insured basis & also offers an add-on optional cover for listed Critical Illnesses.

Benefits

  • The medical expenses for coverage for hospitalization of more than 24 hrs.
  • The medical expenses that you incur due to illness during the 60 days immediately before you are hospitalised.
  • The medical expenses you incur in the 90 days immediately after you are discharged from hospital.
  • The medical expenses for enlisted 144 day-care procedures, which do not require 24 hours hospitalization due to technological advancement, are covered.
  • Treatment expenses for the organ donor at the time of organ transplant.
  • A comprehensive health check-up involving a number of medical tests only once at the end of a block of four continuous claim free policy years.
  • You get a cumulative bonus of 10% for every claim-free year accumulating up to 100% (in the event of a claim, cumulative bonus will be reduced by 10% of SI on the next renewal).
  • For Cash less service you need to obtain a pre-authorization for all planned admissions at least 48 hours prior to actual admission or regularize any ‘emergency’ admission within 24 hours post the admission. The details of the process and the documentation requirements are given in the guide-book sent along with the policy.

Stay Healthy Package

  • "Stay Healthy” Program that offers
  • Online health assessment
  • Customized diet & exercise plan from our experts
  • E- storage facilities to store your medical reports for 24X7 access
  • Great offers & discounts on heath products & services
  • Set alerts to track your health appointments and medicinal intake
  • Exclusive health newsletter & helpline services

Eligibility

  • Coverage from the age of 5 years onwards with maximum entry age of 65 years. A dependent child can be covered from the 91st day.

Our Easy Health Family floater Plan protects your family not only from unforeseen emergency expenses but also offers a comprehensive cover for medical treatment of illnesses and accidents requiring in-patient hospitalisation. The Plan offers coverage on floater sum insured basis & also offers an add-on optional cover for listed Critical Illnesses.

Benefits

  • The medical expenses for coverage for hospitalization of more than 24 hrs.
  • The medical expenses that you incur due to illness during the 60 days immediately before you are hospitalised.
  • The medical expenses you incur in the 90 days immediately after you are discharged from hospital.
  • The treatment expenses involved in getting a treatment done at home which otherwise would need hospitalization.
  • Treatment expenses for the organ donor at the time of organ transplant.
  • Expenses incurred if ambulance service is used on the way to hospital for hospitalization (up to Rs. 2000).
  • A lump sum amount given for selecting a shared room in a network hospital.
  • Lump sum benefit of Rs. 10000, if hospitalisation is for greater than 10 days - (For sum insured 15 lacs & above)
  • You get a Cumulative Bonus (CB) of 10% for every claim-free year accumulating up to 100% (in the event of a claim, CB will be reduced by 10% of SI on the next renewal).
  • If you are insured with some other company’s health insurance and you want to shift to us on renewal, you can. Our portability policy is customer friendly and aims to achieve the transfer of most of the accrued benefits and makes due allowances for waiting periods etc.

Stay Healthy Package

  • "Stay Healthy” Program that offers
  • Online health assessment
  • Customized diet & exercise plan from our experts
  • E- storage facilities to store your medical reports for 24X7 access
  • Great offers & discounts on heath products & services
  • Set alerts to track your health appointments and medicinal intake
  • Exclusive health newsletter & helpline services

Eligibility

  • Coverage from the age of 5 years onwards with maximum entry age of 65 years. A dependent child can be covered from the 91st day.

Our Top up Plan Optima Super is an aggregate plan that offers you varied sum insured & deductible combinations to choose so you can opt for the optimum coverage as per your needs. In addition, it is the only plan that gives you an option to convert to a Fully Nil Deductible plan near your retirement.

Benefits

  • The medical expenses covered for hospitalization of more than 24 hrs.
  • The medical expenses that you incur on consultations, investigations and medicines during 60 days before you are hospitalized.
  • The medical expenses you incur on consultations, investigations and medicines in 90 days immediately after you are discharged from hospital.
  • The medical expenses for 144 day-care procedures, which do not require 24 hours hospitalization due to technological advancement, are covered.
  • Treatment expenses for the organ donor at the time of organ transplant.
  • Expenses incurred if ambulance service is used on the way to hospital for hospitalization (up to Rs. 2000).
  • Cashless Service - You need to obtain a pre-authorization for all planned admissions at least 48 hours prior to actual admission or regularize any ‘emergency’ admission within 24 hours post the admission.

Eligibility

  • Coverage from the age of 5 years onwards with maximum entry age of 65 years. A dependent child can be covered from the 91st day.

OPTIMA SENIOR

Optima Senior is our plan exclusively for Senior citizens. The plan offers comprehensive cover for medical treatment of illnesses and accidents requiring in-patient hospitalisation.

Benefits.

  • Covers medical expenses for hospitalisation for more than 24 hrs.
  • The medical expenses that you incur due to illness during 30 days immediately before you are hospitalised.
  • The medical expenses you incur in the 60 days immediately after you are discharged from hospital.
  • The medical expenses for enlisted 140 day-care procedures, which do not require 24 hours hospitalization due to technological advancement, are covered.
  • The treatment expenses involved in getting a treatment done at home which otherwise would need hospitalization.
  • Treatment expenses for the organ donor at the time of organ transplant.
  • Expenses incurred if ambulance service is used on the way to hospital for hospitalization (up to Rs. 2000).
  • A second opinion will be arranged from a medical practitioner who is in the Apollo Munich panel (One opinion per policy year).
  • You get a Cumulative Bonus (CB) of 5% for every claim-free policy year provided policy is renewed with us without a break.
  • With Optima Senior Plan, you can presently avail tax benefits for the premium amount under Section 80D of the Income Tax Act. (Tax benefits are subject to changes in Tax Laws).

Eligibility.

  • Coverage from the age of 61 years above.

We work with major insurance companies