• Apollo Munich Health Insurance - Compare plans & reviews

    Health Insurance
    • Enjoy options to cover yourself, your spouse, kids and even your parents
    • Enjoy access to 10,000+ hospitals for cashless treatment
    • Reduce your taxable income by up to Rs. 50,000 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.

    Apollo Munich Health Insurance HighlightsUpdated on 27 Jan 2020

    Factor Details
    Health insurance plans
    • Individual plans: 15 plans
    • Family plans: 5 plans
    • Senior citizen plan: 1 plan
    E-services offered
    • Health insurance premium calculator
    • Buy policy online
    • Renew policy online
    • SMS Helpline
    Branch offices Present in major Indian cities
    Network hospitals Over 4,500 network hospitals
    Claims settled since inception (upto June 2017) Rs. 2,913 crore


    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

    Optima Plus 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

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