The Energy Health Insurance Plan is a unique policy that provides coverage for hospitalisations and treatments that one might have to undergo as a result of Type 2 Diabetes Mellitus, Impaired Glucose Tolerance (IGT), Impaired Fasting Glucose (IFG), and/or Hypertension, starting from day 1 of the policy tenure, without any waiting period. Further, this policy also provides an added cover against expenses incurred due to inpatient hospitalisation along with health rewards and a wellness program.
Policy buyers will have to ensure that they meet the eligibility criteria before they can purchase the policy.
Sum Insured: The sum insured is the maximum amount that the insurer is liable to pay the policyholder in the event of a hospitalisation. This policy can only be taken on an Individual Sum Insured basis.
|Minimum Sum Insured||Rs.2 lakh|
|Maximum Sum Insured||Rs.10 lakh|
Premium: The premium is a certain sum of money that one will have to pay to the insurer in order to avail the benefits offered by the policy. The exact payable premium will vary as per the sum insured, age at entry, and other factors.
|Minimum Premium Amount||
|Maximum Premium Amount||
|In-Patient Treatment||Treatment/hospitalisation for over 24 hours as a result of an accident/illness will be covered. Cover is extended to include room rent charges, nursing charges, ICU fees, anaesthesia, operation theatre charges, drugs, consumables, etc.|
|Pre-Hospitalisation Expenses||Covered for 30 days prior to the date of admission into the hospital|
|Post-Hospitalisation Expenses||Covered for a 60-day period post discharge|
|Day-Care Procedures||Day-care procedures that don’t require overnight hospital stay will be covered|
|Organ Donor||Treatment of the donor, surgery to remove organs, etc. are covered under this plan|
|Ambulance Expenses||Covered up to Rs.2,000 per hospitalisation|
Exclusions of Apollo Munich Energy Health Insurance Plan
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