Apollo Munich Health Insurance

Premiums as low as Rs12/day for coverage of Rs.4 Lakhs*
10,000+ hospitals for cashless treatment
Claim up to Rs. 55,000 deduction under section 80D**

Established in 2007, Apollo Munich Health Insurance Company Ltd. is a joint venture between Munich Health and Apollo Hospitals. A well-known name in the health insurance sector, they also offer other insurance products such as health, accident, and travel insurance.

Features & Benefits of Apollo Munich Health Insurance

Flexibility to choose sum insured

Apollo Munich offers various ranges when it comes to choosing the sum insured amount. This allows customers to easily opt for a sum that best suits their interests.

Cashless network hospitals

Equipped with over 4,000 plus network hospitals across the country, Apollo Munich gives policyholders the benefit of availing good quality health services without any hassles.

Systematic claim settlement

The claim settlement process is quick and efficient. All claims received are usually settled within a time frame of 15 working days.

Lifelong renewal

Policyholders will be eligible for lifelong renewals, giving customers the benefit of dealing with healthcare needs in a safe and secure manner without any last minute stress.

Portability

Apollo Munich offers the added advantage of portability, which allows the customer the benefit of convenience.

Plans provided by Apollo Munich Health Insurance

Plan Name	Plan Basis(individual, family, etc)	Sum Insured (Min and Max)	Policy Term
Optima Plus	Individual	Max: Rs.5 lakh	1 and 2 years
Optima Restore	Individual and Family	Up to Rs.50 lakh	1 and 2 years
Easy Health	Individual and Family	Up to Rs.15 lakh	1 and 2 years
Optima Super	Individual and Family	Up to Rs.10 lakh	1 and 2 years
Apollo Munich Dengue Care	Individual and Family	Min:Rs.50,000 Max: Rs.1 lakh	Annual
Optima Vital	Individual	Min: Rs.2 lakh Max: Rs.50 lakh	1 and 2 years

*Premiums may vary depending upon factors like age, location, term of the plan and prevailing taxes/GST.

Optima Plus

The Optima Plus health insurance policy is an individual plan that offers a wide range of top-up options.

Unique Features of Optima Plus

The policy offers coverage for transportation services such as ambulance, donor expenses, domiciliary fee, daycare, pre and post-hospitalization expenses
No waiting period
Tax exemption applicable
Cashless network services
Discount on deductible

Plan Details

Policy term	1 and 2 years
Entry Age	Between 18 to 34 years
Plan Basis	Individual
Sum Insured Range	Max: Rs.5 lakh
Premium	Base premium: Rs.1,940.65 Gross premium: Rs.2,232

Optima Restore

The Optima Restore offers extensive coverage options for both individuals and families. This comes with an added ‘restore’ benefit.

Unique Features of Optima Restore

One of the main benefits of this plan is that the sum insured will be automatically reinstated after it has been used. This, however, can be done only in a single policy year
This plan also offers perks and additional discounts to those who choose to live a healthy and active lifestyle through their ‘Stay Active’ program. Users can also download an app to keep tabs on their exercise regimen
The ‘Multiplier’ benefit is another advantage with which the sum insured can be increased by 50%

Plan Details

Policy term	1 or 2 years
Entry Age	Till 65 years
Plan Basis	Individual and family
Sum Insured Range	Up to Rs.50 lakh

Easy Health

The Easy Health insurance policy is for both individuals and families and comes with a wide range of add-ons. The plans are available in three variants: Premium, Exclusive, and Standard.

Unique features of Easy Health

Comprehensive plan with no upper limits on room and copayment
Newborn baby cover applicable from the day of birth till the next 89 days. Maternal expenses, prenatal and postnatal fees applicable for cover
Additional riders available for critical illness protection
Those that can be included are the spouse, children who are dependent, parents, in-laws, grandkids, and grandparents

Plan Details

Policy term	1 and 2 years
Entry Age	18 to 65 years
Plan Basis	Individual and Family
Sum Insured Range	Up to Rs.15 lakh
No Claim Bonus	Yes

Optima Super

The Optima Super Plan is an enhanced health insurance plan and comes with a set of added benefits such as an enhanced deductible.

Unique Features of Optima Super

Economical plan that offers many top-up options
Covers expenses related to hospitalization, pre and post hospitalization expenses, ambulance, organ donor, daycare expenses, etc
Medical bills for 1 year considered
At the time of retirement, it can be converted to a normal plan

Plan Details

Policy term	1 and 2 year
Entry Age	18 to 65 years
Plan Basis	Individual and Family
Sum Insured Range	Up to Rs.10 lakh

Apollo Munich Dengue Care

This health insurance policy is specially designed to cover all Dengue-related health expenses on both an individual and family basis.

Unique Features of Dengue Care

Coverage provided to Dengue-related inpatient and outpatient fee
A maximum of Rs.10,000 will be available for claim towards outpatient treatment
Waiting period of 15 days
Coverage provided for pre and post hospitalization expenses
Other features include shared accommodation benefit at an empanelled network hospital

Plan Details

Policy term	Annual
Entry Age	From 18 to 65 years
Plan Basis	Individual and Family
Sum Insured Range	Min:Rs.50,000 Max: Rs.1 lakh
Premium	Varies as per sum insured range

Optima Vital Plan

The Optima Vital plan is an individual health insurance policy designed to cover certain specified critical illnesses.

Unique Features of Optima Vital Plan

Critical illness plan that provides coverage for as many as 37 critical illnesses
Policyholders are eligible to receive a lump sum upon diagnosis of a certain serious illness mentioned in the policy document
Diseases covered include cancer, kidney failure, multiple sclerosis, liver failure (end stage), first heart attack, COMA, burns, Goodpasture syndrome,apallic syndrome, aplastic anaemia, systemic lupus erythematosus, bacterial meningitis, multiple system atrophy, progressive scleroderma, open-chest CABG, major organ or bone marrow transplant, aorta graft surgery, open heart replacement, pneumonectomy, pulmonary artery graft surgery,Parkinson's disease, Alzheimer's, motor neuron disease, stroke with permanent symptoms, permanent paralysis of limbs, primary pulmonary hypertension, benign brain tumour, cardiomyopathy, lung failure last stage, brain surgery, progressive supranuclear palsy, Kreutz Feldt-Jakob disease, blindness, deafness, loss of speech, all with specified severity
E-opinion given
Lifelong renewal available

Plan Details

Policy term	1 and 2 years
Entry Age	18 to 65 years
Plan Basis	Individual
Sum Insured Range	Min: Rs.2 lakh Max: Rs.50 lakh
Premium	As applicable in policy document
Discount	7.5% discount on purchase of 2-year policy

Checklist before Buying Apollo Munich Health Insurance

Compare all the plans and choose one that best suits personal interests and family needs
Choose a sum insured amount keeping in mind your requirements and financial constraints
Assess your health condition and choose a plan accordingly

Documents Required for Purchasing Apollo Health Insurance

Id proof
Address proof
PAN card and Aadhaar card

Reasons to choose Apollo Munich

Customizable plans

Wide range of add-ons

Range of sum insured options

Affordable premium rates

Incurred Claim Ratio of Apollo Munich Health Insurance

Incurred claim ratio basically refers to percentage of claims that are successfully solved by the insurance company in a given financial year.

Year	Incurred Claim Ratio
2016-17	54.99%

Extra Benefits from Apollo Munich

Apollolife	Apollolife is an online magazine that publishes interesting articles on health and wellness. It offers valuable insights and health tips.
Healthline	This is a free health care service helpline, where customers will be given general health tips and information by an expert team of well-qualified professionals. To avail this service, call the toll-free number

Apollo Munich Renewal

Log on to the Apollo Munich website
Just click on the ‘Renewal’ option on the home page. This will direct the user to the renewal page.
Provide login ID and password or just the policy number
Follow a few simple steps such as furnishing personal/policy-related details, after which payment can be made online and the policy can be renewed

Apollo Munich Network Hospitals for Cashless Treatment

Customers can avail direct cashless treatment across the 4,000 odd cashless network hospitals located across the country. To locate the nearest network hospital, log on to their website, click on the ‘Health Insurance’ option and then choose the ‘Network Hospital List’ to see the comprehensive list of city-wise hospitals.

Claim Procedure in Apollo Munich

How to make a cashless claim:

Contact the insurance provider at the earliest
Contact the TPA and provide the health insurance card when asked
Seek prior approval for the claim
All bills will be paid by the insurance company directly to the empanelled hospital

How to make a reimbursement claim:

Fill claim form
Bills, invoices, and discharge summary should be kept ready
Submit the relevant documents along with the claim form
Reimbursements will be made within 15 working days

Terms and Conditions of the Insurer

If at any point of time, the insurance provider finds out that any information provided by the policyholder is incorrect, manipulated or untrue, the insurance company has the right to cancel the policy without any compensation. Suitable legal action may be taken
Incomplete claim forms will not be processed
Treatment cannot be availed outside the country
Cashless treatment can only be availed at a network hospital