"Spending a whole day looking for insurance is fun," said nobody, EVER!

    We need a little info to line up the best health insurance quotes for you!

    Apollo Munich Health Insurance

    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.


    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

    Apollo Munich Health Insurance Reviews

    • Apollo Munich Health Insurance
      "Good policy"
      0.5 4.0/5 "Great!"
      I got my health insurance from Apollo Munich .I have taken this policy mainly because of its convincing premium amount .This policy covers cashless treatment with pre-disease coverage . I get income tax benefits too. Overall am satisfied with this policy
      Was this review helpful? 0
      , secunderabad
      Reviewed on May 22, 2018
    • Apollo Munich Health Insurance
      0.5 4.0/5 "Great!"
      From APOLLO i am holding my health insurance, with my experience it is a good insurance and also added on that i am using my insurance from last 6-7 years. I would be renewing my insurance for once a year. So far i have no claim experience from the insurance. There is no disease coverage policy.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on May 20, 2018
    • Apollo Munich Health Insurance
      "Excellent Policy. "
      0.5 5.0/5 "Blown Away!"
      They have given me the better policy which is not available in other companies. They have better tie up with the better hospital. Communication is very good. Their customer service awesome. They address your queries very well and follow up the customer very well. I'm holding this policy for 2 years.
      Was this review helpful? 0
      , chandigarh
      Reviewed on May 16, 2018
    • Apollo Munich Health Insurance
      "Good Policy to go For"
      0.5 4.0/5 "Great!"
      I have been using this Apollo Munich Health insurance policy for 5 years. I Paid Rs. 5500 annually for a premium amount. It is individual based policy. They are not covering the Pre-existing disease. It is Tax benefit policy. There is no claim experience till now.
      Was this review helpful? 0
      , thane
      Reviewed on May 15, 2018
    • Apollo Munich Health Insurance
      0.5 4.0/5 "Great!"
      They cover all the optry charges. I have taken a health insurance in Apollo Munich. I am using the service for last 2 years. The medical coverage was good and I have taken plan of 5L for the family. There is no claim experience till now. I have paid 18K for one year to purchase the policy.
      Was this review helpful? 0
      , new delhi
      Reviewed on Mar 07, 2018
    • Apollo Munich Health Insurance
      "Premium should be economical"
      0.5 3.0/5 "Satisfactory"
      My employer has provided the health insurance which was offered by Apollo Munich. I took an additional cover for my parents, they gave me medical cover of Rs. 15 lakhs for the entire family. Its covers all minor and major disease, they have got tie up with good hospitals. I paid higher premium for the rider cover of around 1 lakh.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 06, 2018
    • Apollo Munich Health Insurance
      "Very good"
      0.5 5.0/5 "Blown Away!"
      I have taken a health insurance policy from Apollo Munich. My total premium is around Rs. 9000 and sum assured to me is around 3,00,000. The policy is good I am completely satisfied, I have not taken any claim but until now I got good services and follow up.
      Was this review helpful? 0
      , kolkata
      Reviewed on Feb 16, 2018
    • Apollo Munich Health Insurance
      "The best insurance provider"
      0.5 5.0/5 "Blown Away!"
      I had applied and got the Health insurance from the famous insurer APOLLO MUNICH. Its is my individual policy. The customer service is good and they delivered my policy document on time. The customer is good and very responsive and they solved my queries on the call itself.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 16, 2018
    • Apollo Munich Health Insurance
      "Good For Health"
      0.5 5.0/5 "Blown Away!"
      Apollo Munich health insurance is good for cash less treatment, got tie up with many hospitals all over India and international . Their android mobile app is also good. I paid the premium for one year Rs. 10,000 for the medical cover of Rs. 15 lakh. Its for one person. with cashless hospitalization, no claim bonus etc.
      Was this review helpful? 0
      , gwalior
      Reviewed on Jan 08, 2018
    • Apollo Munich Health Insurance
      "Can do better"
      0.5 2.5/5 "Just OK"
      Apollo Munich got tie up with limited hospitals only and if I go for hospitalization also I am not sure what are coverage comes under this health insurance. They didn't explain anything clearly to me, I paid premium around Rs.13,000 for medical cover of 5 lakhs for 2 adults. But I felt Star health is providing lots of facilities than Apollo Munich.
      Was this review helpful? 0
      , kolkata
      Reviewed on Jan 05, 2018
    • Apollo Munich Health Insurance
      "Good customer service with proper communication"
      0.5 5.0/5 "Blown Away!"
      Apollo Munich is very good, Last October I admitted two time in a hospital. First time I used the cash less facility around Rs.42,000. When I admitted second time by the doctor mistake cash less treatment got rejected. Hence I spoke with the customer care regarding reimbursement. Then I sent hard copy through courier to guragon. After one month they reimbursement the money to my account. They gave me total medical cover around Rs. 5 lakhs, I have utilized upto Rs.84,000.
      Was this review helpful? 0
      Reviewed on Jan 04, 2018
    Common Loader Icon