Apollo Munich Health Insurance Company Limited

Apollo Munich Health Insurance, a standalone health insurance company, is a joint venture of Apollo Hospitals Group and Munich Health, the world leader in insurance. Since its inception in the year 2007, the company has earned the reputation of providing innovative yet simple health insurance policies.

A trusted and preferred brand in health insurance in India, Apollo Munich works on the principle - ‘Let’s uncomplicate’ and offers a wide array of health insurance plans to choose according to a person’s requirements.

Broad Overview and Benefits of Choosing Apollo Munich

• A wide option of sum assured - One may choose a sum assured ranging from Rs. 1 lakh to Rs. 15 lakhs.
• Cover for pre and post hospitalization expenses, besides admission charges.
• Quick and efficient method of processing claims.
• Portability from any insurance policy to Apollo Munich without loss of benefits.
• Lifelong renewal.
• Income Tax benefits under section 80-D.
• No-claim bonus.
• Access to health and wellness portal.

Common Exclusions

The policy document must be read carefully to know the exact exclusions. However, some exclusions are common to all. They are:

• War or any act of war.
• Abuse of intoxicants or hallucinogenic products.
• Treatment of psychiatric illnesses.
• Expenses arising from treatment of HIV, AIDS or related diseases.
• Infertility treatment expenses.
• Treatment of obesity / weight management programs.

• Cosmetic or plastic surgery, except in cases of burns or accidents.
• All illnesses require a waiting period as specified in the policy to be covered under the policy.
• Pre-existing illnesses may also be covered but after an initial waiting period.

Besides health insurance, the company also offers Apollo Munich Travel Insurance plan and Personal Accident Plan, thereby catering to all types of medical emergencies and health uncertainties.

Apollo Munich has rightfully been honored with awards like ‘Health Insurance Company of the Year’, ‘Product Innovation Award’ and many similar titles. Its insurance plans have been ranked as the best in industry by publications like ‘The Economic Times’ and ‘The Hindustan Times’.

Individual Health Insurance Plans

The individual health insurance plans from Apollo Munich are the most awarded ones and are popular because of features like cashless hospitalization, restore benefit with no-claim bonus and no additional loadings at renewal due to claims.

Family Health Insurance Plans

The family floater, health insurance plans, provide the option of covering the entire family under one policy, with the choice to choose a sum assured over a range of Rs. 3 lakhs to Rs. 15 lakhs. The benefits of no-claim bonus and no additional loading at renewal are available in these plans too.

The various policies available under individual and family health insurance plans are:

Easy Health Policies

Easy Health Standard

• Complete hospitalization cover.
• Sum insured may range from 1-5 lakhs.
• Add-on optional cover for listed critical illnesses

Eligibility

• Coverage from the age of 5 years to 65 years.
• Available as individual as well as floater policy.
• Cover for self, spouse, dependent children, either set of parents or grandparents is available.
• Policy period can be 1-2 years (7.5% discount on 2-year policy).

• Hospitalization Expenses - In cases of hospitalization for more than 24 hours.
• Pre-Hospitalization and Post-HospitalizationCharges for a period of 60 days before and 90 days after hospitalization respectively.
• Domiciliary Treatment - Treatment at home for a condition which would otherwise require hospitalization.
• Day-Care Procedures - 144 listed day care procedures are covered in the policy.
• Ambulance Expenses - Up to Rs. 2000 in the case of an emergency.
• Organ Donor - Treatment expenses for the organ donor in case of organ transplant.

• Ayush Benefit - Expenses incurred on treatment under Ayurveda, Siddha, Unani, and Homeopathy.
• Health Check-up - A comprehensive health check-up after 4 continuous claim free years.
• Critical Illness Cover - An additional cover for critical illnesses can be opted for. It covers illnesses like cancer, heart attack, kidney failure, organ transplant, multiple sclerosis, paralysis, and stroke. The sum insured can be 50% to 100% of the basic sum insured, subject to a minimum amount of Rs. 1,00,000.

Easy Health Exclusive

• Complete hospitalization cover.
• High sum insured option up to Rs. 50 lakhs.
• Maternity benefits covered.
• Optional cover for critical illnesses.

Eligibility

• Coverage from the age of 5 years to 65 years.
• Available as individual as well as floater policy.
• Cover for self, spouse, dependent children, either set of parents or grandparents is available.
• Policy period can be 1-2 years (7.5% discount on 2-year policy).

• Hospitalization Expenses in cases of hospitalization for more than 24 hours.
• Pre-Hospitalization and Post-Hospitalization Charges for a period of 60 days before and 90 days after hospitalization respectively.
• Domiciliary Treatment - Treatment at home for a condition which would otherwise require hospitalization.
• Day-Care Procedures - 144 listed day care procedures are covered in the policy.
• Ambulance Expenses - Up to Rs.2000 in the case of an emergency.
• Organ Donor - Treatment expenses for the organ donor in case of organ transplant.
• Maternity Expenses - Incurred both before and after childbirth.
• Ayush Benefit - Expenses incurred on treatment under Ayurveda, Siddha, Unani, and Homeopathy.
• New-Born Baby Cover - Option to cover a new-born baby (1-90 days) under the policy.
• Recovery Benefit - A lump sum benefit of Rs. 10000 if the hospitalization exceeds 10 days (For sum insured above Rs. 15 lakhs).
• Daily Cash for Accompanying Minor Patient (

Easy Health Premium

• Complete hospitalization cover.
• High sum insured option up to Rs. 50 lakhs.
• Coverage for dental, optical and maternity benefits.
• Optional cover for critical illnesses.

Eligibility

• Coverage from the age of 5 years to 65 years.
• Available as individual as well as floater policy.
• Cover for self, spouse, dependent children, either set of parents or grandparents is available.
• Policy period can be 1-2 years (7.5% discount on 2-year policy).

• Hospitalization Expenses - In cases of hospitalization for more than 24 hours.
• Pre-Hospitalization and Post-Hospitalization Charges - For a period of 60 days before and 90 days after hospitalization respectively.
• Domiciliary Treatment - Treatment at home for a condition which would otherwise require hospitalization.
• Day-Care Procedures - 144 listed day care procedures are covered in the policy.
• Ambulance Expenses - Up to Rs. 2000 in the case of an emergency.
• Organ Donor - Treatment expenses for the organ donor in case of organ transplant.
• Maternity Expenses - Incurred both before and after childbirth.
• Ayush Benefit - Expenses incurred on treatment under Ayurveda, Siddha, Unani, and Homeopathy.
• New-born Baby Cover - Option to cover a new-born baby (1-90 days) under the policy.
• Recovery Benefit - A lump sum benefit of Rs. 10000 if the hospitalization exceeds 10 days (For sum insured above Rs. 15 lakhs).
• Dental Treatment - Expenses on dental treatment in network hospitals.
• Contact lenses, Spectacles, Hearing aids - Cost of one pair of spectacles or contact lenses or a hearing aid.
• Daily Cash for Accompanying Minor Patient (

Published on Jan 02, 2010
Last Updated on Apr 08, 2016