Travelling for business trip, family outings or even bag packing boosts our brains. But do we look into any of the risks that come along with travelling such as lost baggage , lost passports, flight delays, personal accidents, even a hospital stay in a strange unknown place while you are travelling? Many people just put aside these risks but we want you to be safe and travel without any contingencies. Apollo Munich Travel Insurance policies can assure your safety and financial security while you are travelling abroad. It provides four different types of plans which include individual, family, senior citizen or even an annual multi trip plan. An individual can look at different plan options and purchase a plan best suited to their needs and budget.
Types of Travel Insurance Plans offered by Apollo Munich:
- Easy Travel – Individual
- Easy Travel – Family
- Easy Travel – Senior Citizen
- Easy Travel – Annual Multi Trip Plan
- Easy Travel – Individual
The Apollo Munich Easy Individual Travel insurance plans protect the insured person against various risks, such as illnesses, theft and any other such occurrences when the person is travelling alone. This plan has five policy variants, which are, Platinum, Gold, Silver, Bronze and Asian Region:
- Provides coverage for emergency medical assistance/ treatment requiring inpatient or outpatient care, and medical evacuation if needed.
- Daily cash benefit will be granted in case of a continuous and completed 24 hours hospitalization
- Incase the traveler has lost his/her passport, the plan will reimburse the cost incurred in obtaining a duplicate passport
- A lump sum amount will be paid to the insured in case of financial emergency such as theft or robbery to replace any funds lost
- A lump sum amount will be paid for an delay beyond the scheduled arrival or departure time.
- It will also cover any unfortunate event of hijacking
- The policy provides Personal Accident cover in case of death or permanent disablement that is the result of an accident.
- If the person has missed any connecting flights due to delay of the previous flight, the plan will compensate the passenger.
| Coverage | Platinum | Gold | Silver | Bronze | Deductible |
| Medical Treatment | $500,000 | $250,000 | $100,000 | $50,000 | $100 |
| Dental Treatment* | $500 | $250 | $250 | $250 | $100 |
| Repatriation of Mortal Remains* | $10,000 | $7,500 | $7,500 | $7,500 | – |
| Medical Evacuation* | Included in medical expenses | Included in medical expenses | Included in medical expenses | Included in medical expenses | – |
| Loss of Passport | $300 | $300 | $200 | $200 | $30 |
| Personal Accident | $25,000 | $20,000 | $20,000 | $20,000 | – |
| Personal Accident & Common Carrier | $20,000 | $10,000 | $5,000 | $5,000 | – |
| Personal Liability | $100,000 | $100,000 | $50,000 | $25,000 | – |
| Hijack Daily Allowance | $100 per day, Max $500 | $50 per day, Max $250 | $50 per day, Max $250 | $50 per day, Max $250 | 12 hrs. |
| Total Loss of Checked-in Baggage | $1000 | $500 | $500 | $500 | – |
| Delay of Checked-in Baggage | $300 | $300 | $200 | $200 | 12 hrs. |
| Financial Emergency Cash | $300 | $200 | $200 | – | – |
| Trip Delay | $50 per day, Max $200 | $25 per day, Max $100 | – | – | – |
| Hospital Daily Allowance* | $25 per day, Max $150 | $20 per day, Max $120 | – | – | 48 hrs. |
| Trip Cancellation | $2,000 | $1,000 | – | – | – |
| Trip Curtailment | $2,000 | – | – | – | – |
| Missed Connection | $500 | – | – | – | – |
Eligibility:
- Individuals between the ages of 6 months to 70 years are covered.
- The plans are issued for individuals only.
- The plans cover travel duration of up to 180 days.
- Easy Travel – Family
Travelling with families for a long planned vacation or to visit some relatives are always fun. Apollo Munich Travel Insurance plans for Family ensures that the whole family including the children are transported to their destination hassle-free.
The plan has three variants – Silver, Bronze and Asian Region. The sum insured ranges from USD 25000 to USD 1,00,00. The plan covers two adults (self and spouse) and up to two children, who are not above 21 years of age.
- Provides coverage for emergency medical assistance/ treatment requiring inpatient or outpatient care, and medical evacuation if needed.
- Daily cash benefit will be granted in case of a continuous and completed 24 hours hospitalization
- Incase the traveler has lost his/her passport, the plan will reimburse the cost incurred in obtaining a duplicate passport
- A lump sum amount will be paid to the insured in case of financial emergency such as theft or robbery to replace any funds lost
- A lump sum amount will be paid for an delay beyond the scheduled arrival or departure time.
- It will also cover any unfortunate event of hijacking
- The policy provides Personal Accident cover in case of death or permanent disablement that is the result of an accident.
- Incase the family has missed any connecting flights due to delay of the previous flight, the plan will compensate the passenger.
| coverage | Silver | Bronze | Asian Region | Deductible |
| Medical Treatment | $100,000 | $50,000 | $25,000 | $100 |
| Dental Treatment* | $250 | $250 | $250 | $100 |
| Repatriation of Mortal Remains* | $7,500 | $7,500 | $7,500 | |
| Medical Evacuation* | Included in medical expenses | Included in medical expenses | Included in medical expenses | |
| Loss of Passport | $200 | $200 | $200 | $30 |
| Personal Accident | $10,000 | $10,000 | $10,000 | |
| Personal Accident & Common Carrier | $5,000 | $5,000 | $5,000 | |
| Personal Liability | $50,000 | $25,000 | $10,000 | |
| Hijack Daily Allowance | $50 per day, Max $250 | $50 per day, Max $250 | $50 per day, Max $250 | 12 hrs. |
| Total Loss of Checked-in Baggage | $500 | $500 | ||
| Delay of Checked-in Baggage | $200 | $200 | 12 hrs. | |
| Financial Emergency Cash | $200 |
Eligibility For Apollo Munich Travel Insurance Plans For Family Travel
- Individuals between the ages of 6 months to 70 years are covered.
- Children up to 21 years are covered.
- The plan can be issued to individual, spouse and two children.
- The plans cover travel duration of up to 180 days.
- Easy Travel – Senior Citizen
Senior Citizens usually do not wish to travel alone to far places but despite their wish, they do travel to visit their children/grandchildren. Apollo Munic Travel Insurance plan for Senior Citizens ensures that the Senior Citizens have a comfortable flight and stay at foreign countries. There are two types plans under this – Silver and Bronze, with sum insured options of USD 100,000 and USD 50,000. The customer has the option to choose different coverage options, such as worldwide coverage, worldwide excluding America and Canada or Asia-Pacific, excluding Japan
- Provides coverage for emergency medical assistance/ treatment requiring inpatient or outpatient care, and medical evacuation if needed.
- Daily cash benefit will be granted in case of a continuous and completed 24 hours hospitalization
- Incase the traveler has lost his/her passport, the plan will reimburse the cost incurred in obtaining a duplicate passport
- A lump sum amount will be paid to the insured in case of financial emergency such as theft or robbery to replace any funds lost
- A lump sum amount will be paid for an delay beyond the scheduled arrival or departure time.
- It will also cover any unfortunate event of hijacking
- The policy provides Personal Accident cover in case of death or permanent disablement that is the result of an accident.
- Incase the passenger has missed any connecting flights due to delay of the previous flight, the plan will compensate the passenger.
| Coverage | Platinum | Gold | Silver | Asian Region | Deductible |
| Medical Treatment | $500,000 | $250,000 | $100,000 | $25,000 | $100 |
| Dental Treatment* | $500 | $500 | $250 | $250 | $100 |
| Repatriation of Mortal Remains* | $10,000 | $7,500 | $7,500 | $7,500 | |
| Medical Evacuation* | Included in medical expenses | Included in medical expenses | Included in medical expenses | Included in medical expenses | |
| Loss of Passport | $300 | $300 | $200 | $200 | $30 |
| Personal Accident | $25,000 | $20,000 | $10,000 | $10,000 | |
| Personal Accident & Common Carrier | $20,000 | $10,000 | $5,000 | $5,000 | |
| Personal Liability | $100,000 | $100,000 | $50,000 | $10,000 | |
| Hijack Daily Allowance | $100 per day, Max $500 | $50 per day, Max $250 | $50 per day, Max $250 | $50 per day, Max $250 | 12 hrs. |
| Total Loss of Checked-in Baggage | $1,000 | $500 | $500 | ||
| Delay of Checked-in Baggage | $300 | $300 | $200 | 12 hrs. | |
| Financial Emergency Cash | $300 | $200 | $200 | ||
| Trip Delay | $50 per day, Max $200 | $25 per day, Max $100 | 12 hrs | ||
| Hospital Daily Allowance* | $25 per day, Max $150 | $20 per day, Max $120 | 48 hrs. | ||
| Trip Cancellation | $2,000 | $1,000 | |||
| Trip Curtailment | $2,000 |
Eligibility For Apollo Munich Travel Insurance For Senior Citizens
- Individuals between the ages of 71 to 80 years are covered.
- The plans are issued for individuals only.
- The plans cover a travel duration of up to 180 days.
- Easy Travel – Annual Multi Trip Plan
Many a times an individual would have to travel multiple times throughout the year for various purposes. It can be business, vacations or meeting relatives. Apollo Munich provides plans that covers an individual travelling a lot. The plan has four variants – Platinum, Gold, Silver and Bronze, with sum insured options ranging from USD 25,000 to USD 500,000.
- Provides coverage for emergency medical assistance/ treatment requiring inpatient or outpatient care, and medical evacuation if needed.
- Daily cash benefit will be granted in case of a continuous and completed 24 hours hospitalization
- Incase the traveler has lost his/her passport, the plan will reimburse the cost incurred in obtaining a duplicate passport
- A lump sum amount will be paid to the insured in case of financial emergency such as theft or robbery to replace any funds lost
- A lump sum amount will be paid for an delay beyond the scheduled arrival or departure time.
- It will also cover any unfortunate event of hijacking
- Arrangement for emergency evacuation will be provided
- Pre-trip information services will be provided which informs important up-to-date travel and health insurance
| Coverage | Platinum | Gold | Silver | Asian Region | Deductible |
| Medical Treatment | $500,000 | $250,000 | $100,000 | $25,000 | $100 |
| Dental Treatment* | $500 | $500 | $250 | $250 | $100 |
| Repatriation of Mortal Remains* | $10,000 | $7,500 | $7,500 | $7,500 | |
| Medical Evacuation* | Included in medical expenses | Included in medical expenses | Included in medical expenses | Included in medical expenses | |
| Loss of Passport | $300 | $300 | $200 | $200 | $30 |
| Personal Accident | $25,000 | $20,000 | $10,000 | $10,000 | |
| Personal Accident & Common Carrier | $20,000 | $10,000 | $5,000 | $5,000 | |
| Personal Liability | $100,000 | $100,000 | $50,000 | $10,000 | |
| Hijack Daily Allowance | $100 per day, Max $500 | $50 per day, Max $250 | $50 per day, Max $250 | $50 per day, Max $250 | 12 hrs. |
| Total Loss of Checked-in Baggage | $1,000 | $500 | $500 | ||
| Delay of Checked-in Baggage | $300 | $300 | $200 | 12 hrs. | |
| Financial Emergency Cash | $300 | $200 | $200 | ||
| Trip Delay | $50 per day, Max $200 | $25 per day, Max $100 | 12 hrs | ||
| Hospital Daily Allowance* | $25 per day, Max $150 | $20 per day, Max $120 | 48 hrs. | ||
| Trip Cancellation | $2,000 | $1,000 | |||
| Trip Curtailment | $2,000 |
Eligibility
- Individuals between the ages of 6 months to 70 years are covered.
- Platinum plans cannot be availed by those above the age of 60 years.
- The plans are issued for individuals only.
- The plans can be issued for an entire year with an option of maximum coverage that extends 30/60 days per trip duration.
Apollo Munich Travel Insurance Claims Process:
The process to register a claim is usually very long and chaotic, but since there are many offices of Apollo Munich across India it helps make the process quick and less worrisome. Apollo Munich has also provided a claims registration facility online.
The claim can be registered though the company’s Customer Service Centre or any of the Apollo Munich Health offices by letter/phone/email or in person. The followings details are mandatory at the time of registering a claim:
- Policyholder’s name
- Contact details of the insured
- Policy number
- Nature of the incident
- Date and time of the incident
- Location of the incident
Apollo Munich Travel Insurance Exclusions:
- If the only purpose for traveling is availing medical treatment
- Involvement of military, naval or air force
- Any instance of war or acts of war, act of foreign enemy, invasion, war-like operations, public defense, civil war, rebellion, insurrection, revolution, usurped or military acts, riot, chemical, radioactive or nuclear contamination, acts of terrorism, etc.
- Participation in racing, aviation, diving, scuba diving, hang-gliding, parachuting, mountain/ rock climbing.
- Any criminal activity/ breach of law.
- Suicide or attempted suicide, self-inflicted injury or illness.
- Complications arising out of pregnancy and childbirth.
- Sexually transmitted diseases such as HIV / AIDS.
- Pre-existing medical conditions and complications arising therein.