Apollo Munich Dengue Care Health Insurance Plan

• 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**

In the recent years, dengue has become a major endemic disease in many parts of India. Though dengue may not sound like a major illness, lack of proper treatment could result in a life-threatening scenario. Treatment costs for dengue have increased drastically due to the severity of the disease. Most importantly, these high treatment costs could drain out your savings if there is no proper health insurance coverage. Apollo Munich Dengue Care Plan was developed just for the purpose of covering medical treatments related to dengue. This is a first-of-its-kind plan and comes with an affordable price tag.

Eligibility for Apollo Munich Dengue Care Plan

Apollo Munich Dengue Care Plan can be taken by people who meet the following eligibility criteria:

• Adults between the ages of 18 years and 65 years are eligible for this policy cover.
• Dependent children between the age of 91 days and 25 years can avail this policy along with their parents.
• A maximum of 6 family members can be enrolled in a single policy including self, spouse, dependent children, and dependent parents.
• This is not a family floater cover, and policyholders can be insured only through an individual sum insured basis.
• Lifelong renewability option is available in this policy upon entry.

Features of Apollo Munich Dengue Care Plan

Apollo Munich Dengue Care Plan comes with the following list of features:

• This policy is available in two different sum insured options: Rs.50,000 and Rs.1 lakh.
• The premium charges for this policy remain the same irrespective of the age of the policyholder.
• Pre-hospitalisation and post-hospitalisation medical expenses related to dengue are covered for up to 15 days each.
• The initial waiting period applicable for this policy is 15 days from the date of commencement of the policy. This is not applicable for subsequent renewals.
• Since this policy is applicable only to a specific condition, there is no sub-limit clause for any treatments.
• Copayment is not required in this policy cover.
• There is a grace period of 30 days for policyholders to renew this policy after the date of expiry.
• Similar to other health insurance policy covers, there is a free look period of 15 days available with this policy.
• The sum insured amount chosen at the time of enrollment can be enhanced only at the time of renewal subject to the discretion of the insurer.
• The premium amount paid for this policy is eligible for income tax relief as per Section 80D of the Income Tax Act.

Benefits of Apollo Munich Dengue Care Plan

The range of benefits offered under the Apollo Munich Dengue Care Plan can be given as follows:

Exclusions of Apollo Munich Dengue Care Plan

The list of exclusions outlined under the Apollo Munich Dengue Care Plan can be given as follows:

• Treatment for conditions other than dengue
• Vitamins and tonics that are not approved by the medical practitioner
• Any kind of experimental or unproven treatments
• Non-medical expenses related to hospital stay
• Any treatment that is not medically related to dengue
• Drugs and medicines that are not supported by prescriptions

Claim Procedure

Both cashless and reimbursement claims are available with this policy cover. The insurer must be informed 48 hours before planned hospitalisation or within 24 hours of emergency hospitalisation. Pre authorisation must be obtained for cashless treatment by sending a request to the insurer with the required policy details. Upon approval from the insurer, the treatment facility will initiate cashless treatment proceedings.

For reimbursement claims, the claim must be submitted within 15 days after discharge from the hospital. Along with the claim form, the insured must submit various documents including medical bills, cash receipts, discharge summary, diagnostic report, physician certificate, etc. The insurer will verify the claim after submission of these documents and provide the reply to the insured. Following the acceptance of the claim, the reimbursement amount will be provided to the insured.