Apollo Munich Health Insurance Plans Benefits, Features & Exclusions

The Apollo Munich Health Insurance Plans Details are here for your reference. Check the Eligibility of the Apollo Health Insurance, Benefits, Key Features, in addition to the Exclusions of the Apollo Munich Insurance.

Apollo Munich Health Insurance Plans

The Health Insurance is an insurance policy that ensures that you get cashless treatment or expense reimbursement, in case the policyholder fall ill. The Insurance is an understanding between the general insurance company and the Life Assured. An Insurance company can pay your treatment charges only if that medical condition covered by your policy. So, take the Best Health Insurance Policy now itself to save your life.

In these days, the treatment cost is getting too expensive for any health issues. The Health insurance prevents a medical emergency from a financial emergency. Make sure that the health care needs of one are taken care of savings and compromising on your future goals. We are confident that Apollo Munich Health Insurance Plan is the most suitable policy that satisfies your future needs. The Apollo Munich Health Insurance offering Insurance for Individual/ Family/ Senior Citizens.

Apollo Munich General Insurance Details

The Apollo Munich Health Insurance provides the best health insurance plans in India today, for both men and women. The Apollo Munich offers a family floater health insurance plan, the individual health insurance plan & the group corporate health insurance policy. It ranging from Easy Health to Optima Restore to Energy, these policies will not only guard you against the present and future spiralling healthcare costs, but it will also guide on the path to wellness for the long term.

Choose the Best Health Insurance Plan by considering the following factors. The plan which has high ratings from industry experts and you can also check customer reviews. Remember, a quality health insurance plan does an excellent job of helping the policyholder stay well as well as he/ she get better after the treatment/ surgery. The plan which offers services as and when needed while meeting their budget. Check if the scheme offers a wellness program. It has the widest network of doctors and hospitals in the list. Remember, to check network hospitals in your area. Most of all the plans that has natural claim authorization along with the settlement process.

The Health Insurance Plan for Individual.
Health Insurance Plan for Family.
Apollo Health Insurance Plan for Senior Citizen.

Apollo Munich Health Insurance for Individual

The Apollo Munich Health Insurance Policies for Individual are the most awarded health insurances. It gives the cashless hospitalisation. Restore the claim benefits with 100% no claim bonus. Here, we are providing the list of Apollo Munich Health Insurance for Individual Policies. So, refer the Plan wise Benefits, Eligibility, Key Features, in addition to the Exclusions and select the suitable Apollo Individual Insurance. The interested people can check this page for few plans details and for further more info visit the official site.

Optima Restore Individual.
Dengue Care Plan.
Energy Health Insurance Plan.
Easy Health – Exclusive.
The Easy Health Premium.
Easy Health – Standard.
Optima Cash.
Optima Plus.
Maxima Health.
Optima Super.
The Optima Vital.

Apollo Optima Restore Individual Plan

The Apollo Munich Health Insurance Optima Restore plan offers a unique Restore benefit that automatically reinstates the basic sum insured.

Eligibility

The company is offering the coverage from the age of 5 years onwards with 65 years, i.e., maximum entry age. The dependent child covered under the policy from the 91st day.
The premium at renewal may change due to the change in the life assured’s age or changes in the applicable tax rate.
The Policyholder and/ or your family members namely spouse, dependent children, dependent parents/ parents in law are eligible for buying this cover for individual sum insured basis. (we offer a family discount of 10% if 2 or more family members covered under the same policy)
Maximum 6 members can be added to the single policy. In an individual policy, a maximum of 4 adults and a maximum of 5 children can include in a single policy.
The policy period options include the period of 1 or 2 years(s). (We offer 7.5% discount if you opt for a two-year policy).

Benefits

In-Patient Hospitalisation.
Organ Donor.
Pre-Hospitalisation.
Day-Care Procedures.
Post-Hospitalisation.
Domiciliary Treatment.
E-Opinion in Case of Critical Illness.
Emergency Ambulance.

Additional Benefits

Portability.
Tax Benefits.
Cashless Service.
Cumulative Bonus.
Sum Insured Enhancement.

Exclusions

Any pre-existing condition will be covered after 3 years, i.e., the waiting period.
The Congenital diseases, mental disorder or insanity, cosmetic surgery and weight control treatments.
The expenses arising from HIV/ AIDS and related diseases.
The Abuse of intoxicant or hallucinogenic substances such as intoxicating drugs and alcohol.
The treatments within first 30 days of cover except for any accidental injury.
The Pregnancy, dental treatment, external aids and appliances unless covered under the specific Easy Health Insurance Plan.
Two years are waiting period for specific diseases like cataract, hernia, joint replacement surgeries, surgery of hydrocele, etc.
Hospitalisation due to the war or the act of war or due to a nuclear, chemical or biological weapon & the radiation of any kind.
Items of personal comfort and convenience.
The Experimental, investigative and unproven treatment devices and pharmacological regimens.

Dengue Care Plan

Eligibility

The policy covers the persons in the age group of 91 days to 65 years. The maximum entry age restricted upto 65 years.
The Minimum entry age for the Adult is 18 years, and the maximum is 65 years.
The child’s Minimum entry age is 91 days, and the maximum is 25 years.
The individual and/or his family members namely spouse, dependent children and parents are eligible for buying this cover.
No maximum cover ceasing age.
The cover will be offered on individual Sum Insured basis only.
The Policy is an annual policy.
The premium for the policy remains same for the policy period as mentioned in the policy schedule.
The maximum of 6 members can added to a single policy. A maximum of 4 adults and a maximum of 5 children can include in the single policy.

Benefits

In-Patient Hospitalisation.
Pre-Hospitalisation.
Post-Hospitalisation.
Shared Accommodation Benefit.
Outpatient Consultations.
Diagnostic Tests.
Pharmacy.
Home Nursing.
Cashless Service.
Tax Benefits.
Renewal Terms.

Exclusions

Any Treatment other than for Dengue fever.
Specified healthcare providers (Hospitals /Medical Practitioners).
Vitamins & tonics unless certified to be required by attending Medical Practitioner as the direct consequence of an otherwise covered claim.
Treatment rendered by a Medical Practitioner that is outside his discipline or the discipline for which he licensed.
Any treatment/ the part of treatment that is not of a reasonable charge, not Medically Necessary; drugs/ treatments which are not supported by a prescription.
Any non-medical expenses mentioned Annexure-I of Policy wordings.
The Charges related to the Hospital stay not expressly mentioned as being covered, in addition to but not limited to charges for the admission, discharge, administration, registration, documentation and filing.

Energy Health Insurance Plan

Eligibility

The Plan offers a coverage from the age of 18 years to 65 years for individuals with the Type 2 Diabetes Mellitus, Impaired Glucose Tolerance (IGT), Impaired Fasting Glucose (IFG), and/or Hypertension.
The policy will be issued for the one year.
Your premium at renewal may change due to a change in your age or changes in the applicable tax rate.
The plan has two variants – Gold cost of wellness test included & Silver and cost of the wellness test excluded, both available with/ without the copayment option of 20%.

Exclusions

Any pre-existing condition will be covered after a waiting period of 3 years. Any condition/ illness, complication or ailment arising out of or connected with the conditions of the Type 2 Diabetes Mellitus or Impaired Fasting Glucose (IFG) or Impaired Glucose Tolerance (IGT) or Hypertension is not a part of this waiting period.
The Hospitalisation due to war or an act of war or due to a nuclear, chemical/ biological weapon & radiation of any kind.
Two years are waiting period for specific diseases like cataract, hernia, joint replacement surgeries, surgery of hydrocele, etc.
Expenses arising from HIV/ AIDS & the related diseases.
Items of personal comfort and convenience.
Abuse of intoxicant or hallucinogenic substances like intoxicating drugs and alcohol.
Pregnancy, external aids, dental treatment, and appliances unless covered under the Plan.
Congenital diseases, mental disorder or insanity, cosmetic surgery and weight control treatments.
The Experimental, investigative & unproven treatment devices & the pharmacological regimens.

Apollo Munich Health Insurance for Family

The Plans that cover entire family comes under Family Health Insurance. The Apollo Munich Health Insurance for Family contains many Plans. Therefore check the list of Policy Plans and the Best Health Insurance for your Family. We are updating the brief info of the first plan i.e., Optima Restore Family. For complete details about the Apollo Munich Health Insurance for Family Plans, check the official website.

Optima Restore Family.
Easy Health Standard.
The Easy Health – Exclusive.
Easy Health – Premium.
Optima Super.

Apollo Family Health Insurance – Eligibility

The dependent child can be covered from the 91st day.
The Policyholder and/ or their family members namely spouse, dependent children, dependent parents/ parents in law eligible for buying this policy on floater sum insured basis.
The company offers the coverage from the age of 5 years onwards with a maximum entry age of 65 years.
Maximum of 6 members can be added in the floater policy with a maximum of 2 adults and five children in a single policy.
The policyholder premium at renewal may change due to a change in the age or changes in the applicable tax rate.
The policy period options include the period of 1 or 2 years(s). (We offer 7.5% discount if you opt for a 2-year policy).

Apollo Health Insurance for Family – Benefits

In-Patient Hospitalisation.
Pre-Hospitalisation.
Post-Hospitalisation.
Day-Care Procedures.
Domiciliary Treatment.
Organ Donor.
Emergency Ambulance.
E-Opinion in Case of Critical Illness.

Additional Benefits

Cumulative Bonus.
Sum Insured Enhancement.
Cashless Service.
Portability.
Tax Benefits.

Apollo Health Insurance – Exclusions

All the treatments within the first 30 days of cover except any accidental injury.
Abuse of intoxicant or hallucinogenic substances like intoxicating drugs and alcohol.
The pre-existing condition will be covered after the waiting period of 3 years.
The Hospitalisation due to the war or an act of war or due to a nuclear, chemical or biological weapon and radiation of any kind.
Items of personal comfort and convenience.
A 2 years waiting period for specific diseases like cataract, hernia, joint replacement surgeries, surgery of hydrocele, etc.
Pregnancy, dental treatment, external aids and appliances.
The expenses arising from the HIV or AIDS and related diseases.
Experimental, investigative and unproven treatment devices and pharmacological regimens.

Apollo Munich Health Insurance for Senior Citizen

The Optima Senior is the plan exclusively meant for the Senior citizens. This Senior Citizens plan offers the comprehensive cover for the medical treatment of illnesses. Also, includes the cover for accidents requiring in-patient hospitalisation. Individual can also visit the official site for complete details of the Senior Citizen Health Insurance Plan.

Apollo Munich Optima Senior Eligibility

The coverage from the age of 61 years/ above.
The Policyholder and/ or their spouse can be covered under the policy on individual sum insured basis.
The premium at the renewal may change due to the change in your age or changes in applicable rates of tax.
The policy period options include the one/ two years period, and so on.

Benefits

In-Patient Hospitalisation.
Pre-Hospitalisation.
Post-Hospitalisation.
Day-Care Procedures.
Domiciliary Treatment.
Organ Donor.
Emergency Ambulance, and
E-Opinion in Case of Critical Illness.

Additional Benefits

Cumulative Bonus.
Sum Insured Enhancement.
Cashless Service.
Portability.
Tax Benefits.

Exclusions

A pre-existing condition will be covered after a waiting period of 3 years.
Abuse of intoxicant or hallucinogenic substances like intoxicating drugs and alcohol.
Two years waiting period for specific diseases like cataract, hernia, joint replacement surgeries, surgery of hydrocele, etc.
The treatments within the first 30 days of cover except any accidental injury.
The Hospitalisation due to war/ an act of the war/ due to a nuclear, chemical or biological weapon and radiation of any kind, etc.

Apollo Health Insurance Premium Calculator

Policyholders can make use of the Apollo Health Insurance Premium Calculator to compute the monthly Premium. With this Apollo Premium Calculator, you can either check the total Maturity Amount of your bought policy or the Maturity Amount. The Basic Information of Apollo Munich Health Insurance Plans listed here for your reference.

Age.
Name.
Mail Id.
Mobile Number.
Policy Investment, and
Minimum Sum Assured required calculating the Insurance Premiums, etc.

Steps to buy Apollo Munich Insurance

The Apollo Munich Insurance Buying Process is available in many methods. One of the ways of buying the Apollo Munich Health Insurance Plans is visiting the nearest Company Branch Officer. You can also take the Best Apollo Munich Insurance Plans in Online by visiting the its official website. The online buying process is very easy and fastly rather than visiting the branch office. Another way of buying process is contacting the Apollo Munich Agent. For buying this Health insurance, first of all, you get ready with these documents required to fill the application form.

Identity Proof.
Address Proof.
Medical Reports (if required).
Proposal form in addition to the photo, and
Age Proof, and so on.

Apollo Munich Insurance Renew Online

Many Life Assured are delaying their process to Renew their Health Insurances. Hence the lack of the policyholder’s time, and financial problems. For the sake of those customers, the company has started a method called Renew Online. You can visit your nearest Branch Office to renew your Apollo Munich Insurance Policy. Another way for the Apollo Munich Health Insurance Renewal is contacting the Company Agents. Directly visit the Official Website and click on the Renew Policy to renew your Munich Health Insurance Plans. The details required while renewing the Apollo Munich Policy are Policy ID, Policyholder’s Name and Details, Date of Birth, etc. In conclusion, you will renew your policy in the simplest way.

ApolloMunich Health Insurance – Claim Process

Finally, you can check the Apollo Munich Claim Process. The Claim Process of the Apollo Munich Insurance Plans will exist with the unexpected death of the Policyholder/ any health injury for the Life Assured. To claim for the Apollo Munich Policy, you need to submit the especially related documents of the policy. The documents required while doing the claim process for the Apollo Munich Health Insurance Plans listed below. As a result, you will get the claim benefits in addition to the additional benefits of the Policy.

NEFT Form.
Date of Birth Proof.
A copy of Pass Book.
Original Policy Document.
Address Proof of Nominee.
Claimant’s Statement and Claim Forms.
Hospital Records including Discharge Summary.
Death Certificate Original from Municipal / Local Authorities and
Additional documents, in the case of death, occurred due to unnatural or accidental death, etc.