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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.
Factor | Details |
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Health insurance plans |
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E-services offered |
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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 |
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.
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.
The Optima Plus health insurance policy is an individual plan that offers a wide range of top-up options.
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 |
The Optima Restore offers extensive coverage options for both individuals and families. This comes with an added ‘restore’ benefit.
Policy term | 1 or 2 years |
Entry Age | Till 65 years |
Plan Basis | Individual and family |
Sum Insured Range | Up to Rs.50 lakh |
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.
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 |
The Optima Super Plan is an enhanced health insurance plan and comes with a set of added benefits such as an enhanced deductible.
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 |
This health insurance policy is specially designed to cover all Dengue-related health expenses on both an individual and family basis.
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 |
The Optima Vital plan is an individual health insurance policy designed to cover certain specified critical illnesses.
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 |
Customizable plans |
Wide range of add-ons |
Range of sum insured options |
Affordable premium rates |
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% |
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 |
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.
How to make a cashless claim:
How to make a reimbursement claim:
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