APOLLO MUNICH HEALTH INSURANCE

Apollo Munich Health Insurance

 

APOLLO MUNICH HEALTH INSURANCE

Finding a secure health insurer is an important task because health is the most important factor to being pro-active. Apollo Munich Health Insurance Company Ltd. Provides the top-notch healthcare services in India. The company offers a wide range of proposals designed to meet the healthcare requirements of an individual and their families. The Apollo Munich Health Insurance company Ltd proposes a wide range of health insurance plans. Below is the list:

  1. Apollo Munich Optima Health Restore Insurance Plan
  2. Apollo Munich Easy Health Premium Plan
  3. Apollo Munich Optima Vital Insurance Plan
  4. Apollo Munich Optima Senior Insurance Plan
  5. Apollo Munich Optima Plus Insurance Plan
  6. Apollo Munich Optima Cash Insurance Plan
  7. Apollo Munich Easy Health Exclusive Insurance Plan
  8. Apollo Munich Optima Super Insurance Plan
  9. Apollo Munich Dengue Care Plan

 

1. Apollo Munich Optima Health Restore Insurance Plan

 

A plan which automatically restores the sum incurred in case it has been exhausted during the year. Apollo Munich Optima Health Restore Insurance Plan provides the following benefits:

  • For individuals between the age of 5 years to 65 years, it offers a coverage of of INR 3,00,000 to INR 50,00,000
  • An entire family with maximum 2 adults upto age of 65 years and maximum 5 dependent children between the age of3 months to 25 years is provided coverage in range of INR 300000 to INR 50,00,000
  • The benefits provide are cover for pre and post hospitalization expenses, coverage for expenses in day care etc.
  • This health insurance policy offers restore benefits up to 100 % of sum insured after the entire sum insured is exhausted.
  • Ambulance charges upto INR 2000 are covered
  • A facility of E-opinion is provided which allows the insured to request for a second opinion and the insurer doesn’t prove for the same
Entry Age 5 years to 65 years (A dependent child can be covered from the 91st day (if either parent is covered under this policy)).
Policy Term 1 or 2 years
Basis Individual/floater
Sum Assured Rs 3 lacs to Rs 50 lacs
Reinstatement of sum assured when exhausted in the middle of the year
Benefits Offered In-Patient Hospitalisation, Pre-Hospitalisation, Post-Hospitalisation, Day-Care Procedures, Domiciliary Treatment, Organ Donor, Daily Cash, Emergency Ambulance

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2. Apollo Munich Easy Health Premium Plan

 

 

Apollo Munich Easy Health Premium Plan provides sum insured upto INR 50,00,000. This plan covers expenses relating to hospitalization without any sub-limits.

  • An entire family with maximum 2 adults upto age of 65 years and maximum 5 dependent children between the age of3 months to 25 years is provided coverage in range of INR 400000 to INR 50,00,000
  • In addition to the coverage provided in other variants this plan covers dental treatments, spectacles and contact lens treatment, etc. The plan also has an E-opinion available in case of critical illnesses.
  • Ambulance upto INR 2000 are covered
  • An option is provided for taking cover of critical illness – it ranges between 50% and 100% of sum assured minimum INR 1,00,000 and maximum INR 10,00,000
  • As per AYUSH Benefits, expenses for inpatient treatment under Unani, Ayurveda, Homeopathy and Sidha are covered
Entry Age 5 years to 65 years (A dependent child can be covered from the 91st day (if either parent is covered under this policy)).
Basis Individual/floater
Sum Assured Upto Rs 50 lacs
Benefits Offered In-Patient Hospitalisation, Pre-Hospitalisation, Post-Hospitalisation, Day-Care Procedures, Domiciliary Treatment, Organ Donor, Daily Cash, New Born Baby, Maternity Expenses, Emergency Ambulance, Ayush Benefit, Health Check-up, Outpatient Dental Treatment, Spectacles, Contact Lenses, Hearing Aid, E-Opinion in respect of a Critical Illness, Critical Illness (optional)
Policy Term 1 or 2 years
Coverage for Self, spouse, dependent children, dependent parents, parent-in-law, grandparents and grand children

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3. Apollo Munich Optima Vital Insurance Plan

 

 

This exclusive plan offers a lump sum amount for an identified critical illness which is mentioned in the list of the 37 critical illness.

  • This plan specially offers coverage for critical illness in range of INR 1,00,000 and INR 50,00,000 for individuals between age 18 years and 65 years.
  • The plan provides a lump-sum amount in case of critical illnesses. Other benefits include e-opinion and sum insured enhancement.
Entry Age 18 years to 65 years (dependent child can be covered from 18 years upto 25 year)
Policy Term 1 or 2 years
Basis Individual / Family
Sum Assured 1 to 50 lacs
Benefits Offered Critical illness,
Coverage for self, spouse, dependent children, dependent parents are eligible for buying this cover on individual sum insured basis.

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4. Apollo Munich Optima Senior Insurance Plan

 

 

Taking care of our health after the age of 60 can be tiredsome. There are many illnesses that get tagged along without any warning. Apollo Munich provides a soothing insurance plan for the senior group of adults.

Product features-

  • the minimum age must be 61 years and there is no maximum age limit as it is a life long cover
  • Sum Assured available-Rs.2,00,000 Rs.3,00,000 and Rs.5,00,000
  • Treatment which is undertaken at home (Domiciliary) is also covered
  • 50% of the expenses will be reimbursed once your proposal gets accepted.
  • A family discount of 5% is provided and a 7.5% discount if you take 2 years policy
  • Sum Assured may be enhanced without further medical test if you have no claim.

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5. Apollo Munich Optima Plus Insurance Plan

 

 

This is a top-up plan which deducts amount to be paid at the time of claim,:

  • The entry age for this plan is between 5 years and 65 years.
  • It has a coverage of INR 5,00,000 with a deductible in range of INR 1,00,000 and INR 5,00,000.
  • It also covers daycare  procedures that do not require 24 hours hospitalization
  • It can also cover a dependent child over the age of 91 days.
  • A waiver of Deductible Benefits is offered where it allows the customer to convert his plan with no medicals or underwriting required only at renewal between 58 – 60 years. Though this can only be authorized if the person has enrolled under the policy before the age of 50 and has continuously renews the plan without a break
Entry Age 5 years to 65 years
Policy Term 1 or 2 years (7.5% discount if opted for 2 years policy term).
Basis Individual
Sum Assured 5 lacs.
Benefits Offered In-Patient Hospitalisation, Pre-Hospitalisation, Post-Hospitalisation, Day-Care Procedures, Domiciliary Treatment, Organ Donor, Emergency Ambulance
Coverage for Self, spouse, dependent children, dependent parents.

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6. Apollo Munich Optima Cash Insurance Plan

 

  • This is another top up plan for anyone between age 5 years and 65 years. Is also available to dependent children after age 91 days.
  • Sickness ICU Cash and Acciental ICU is provided where twice the daily amount is paid fir each completed period of 24 hours.
  • Sickness and Accidental Hospital cash is provided in which a daily cash amount is paid for each completed 24 hours of hospitalization.
  • This plan offers the benefit of daily cash allowance in case of hospitalisation and certain day procedures.
  • A daily cash amount for the parents’ accommodation will be provided if the child is below 12 years and has been hospitalized for more than 72 hours
  • Convalescence cash is provided in lump sum amount if the person has been hospitalized for more than 7 continuous days

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7. Apollo Munich Easy Health Exclusive Insurance Plan

 

 

 

  • An entire family with maximum 2 adults upto age of 65 years and maximum 5 dependent children between the age of3 months to 25 years is provided coverage upto  INR 50,00,000
  • In addition to the features of Easy health – Standard, this plan provides health check up every 4 years; also maternity benefit.
  • A lump sum amount is given if the person chooses to stay in a shared accommodation whilst being hospitalized
  • The sum insured for the critical illness ranges form 50% to 100% of the sum assured with the minimum of INR 1,00,000 to the maximum of INR 10,00,000
Entry Age 5 years to 65 years
Basis Individual/floater
Policy Term 1 or 2 years
Sum Assured up to Rs 50 lacs
Coverage for self, spouse, dependent children, dependent parents, parent-in-law, grandparents and grand children
Benefits Offered In-Patient Hospitalisation, Pre-Hospitalisation, Post-Hospitalisation, Day-Care Procedures, Domiciliary Treatment, Organ Donor, Daily Cash, New Born Baby, Maternity Expenses, Emergency Ambulance, Ayush Benefit, Health Check-up, Critical Illness (optional)

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8. Apollo Munich Optima Super Insurance Plan

 

 

  • An entire family with maximum 2 adults upto age of 65 years and maximum 5 dependent children between the age of3 months to 25 years is provided coverage in range of INR 400000 to INR 50,00,000
  • In this plan, individuals have the flexibility of choosing the combination of coverage amount and deductible amount as per one’s needs.
  • Like Optima plus, this also offers the option to convert to zero deductible after retirement.
Entry Age 5 years to 65 years (A dependent child can be covered from the 91st day (if either parent is covered under this policy)).
Policy Term 1 year or 2 years with a grace period of 30 days
Basis Individual/floater
Sum Assured Three options for sum assured are offered; Rs. 5 lakhs, Rs. 7 lakhs or Rs. 10 lakhs
Benefits Offered In-Patient Hospitalisation, Pre-Hospitalisation, Post-Hospitalisation, Day-Care Procedures, Organ Donor, Ambulance Service
Coverage for Self, spouse, dependent children, dependent parents

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9. Apollo Munich Dengue Care Plan

 

 

Mosquitoes more like parasites because no matter how hard we try to repel them, they end up biting us and spreading diseases. Apollo Munich provides a first of its kind plan where the medical expenses related to dengue are covered.

  • It covers inpatient and outpatient dengue treatments
  • The offer is valid irrespective of age upto INR 10,000 and only 15 days waiting period
  • Lifelong renewable.
Entry Age Children – Min 91 Days to 25 Years Adults – 18 Years to 65 Years
Basis Individual / Family
Policy Term Annual Policy
No of Persons 6 Members
Sum Assured 50,000 to 1,00,00
Benefits Offered No maximum cover ceasing age, Inpatient Hospitalisation, Pre-hospitalization expenses, Post-hospitalization expenses, Shared accommodation, Cashless service, Outpatient consultations, Pharmacy, Diagnostic tests, Home nursing, Cashless service, Lifetime renewability.
Renewability Lifetime

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