• Apollo Munich Easy Health Premium Plan

    Standalone health insurance service provider Apollo Munich offers many comprehensive insurance products in its lineup. Easy Health Premium is one such policy designed with the aim of providing coverage against unforeseen medical expenses incurred by the policyholder. This helth insurance policy provides protection against various illnesses, and it also comes with an add-on cover for critical illness. One of the distinguishing factors of this cover is that it offers coverage for the maternity expenses incurred by the insured. Moreover, it also compensates the insured against the expenses of medical accessories like spectacles and hearing aids.

    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**

    Eligibility for Apollo Munich Easy Health Premium

    Potential policyholders who wish to take Apollo Munich Easy Health Premium must meet the following eligibility criteria:

    • Anyone over the age of 5 years can enter this cover.
    • The maximum entry age is capped at 65 years.
    • Dependent children can be covered from the 91st day of birth provided at least one parent is enrolled alongside.
    • The family floater cover can be taken for self, spouse, dependent children, dependent parents, dependent parents-in-law, grandparents, and grandchildren.
    • A maximum of 6 family members can be enrolled in a single policy.
     

    Features of Apollo Munich Easy Health Premium

    The key features of Apollo Munich Easy Health Premium can be listed as follows:

    • This policy is available in multiple sum insured options ranging from Rs.4 lakh to Rs.50 lakh.
    • This policy can be availed in 1 or 2-year policy terms.
    • There is a premium discount of 7.5% if the policy term is chosen for 2 years.
    • There is a family discount of 5% if 2 family members are enrolled in the same cover and 10% if 3 or more family members are enrolled in the same cover.
    • An initial waiting period of 30 days is applicable for all illnesses in this policy cover.
    • All pre-existing diseases can be covered after a period of 3 years.
    • For conditions like joint replacement surgeries, cataract, hernia, and hydrocele, there is a waiting period of 2 years.
    • For maternity benefits, there is a 6-year waiting period for sum insured up to Rs.10 lakh and a 4-year waiting period for sum insured Rs.15 lakh and above.
    • Pre and post hospitalisation expenses are covered for up to 60 days and 90 days respectively.
    • There is a grace period of 30 days from the date of expiry for renewing this policy.
    • This policy can be renewed throughout one’s lifetime.
    • Free medical checkup is available under this policy once every 3 years of continuous policy coverage.
    • The sum insured amount initially chosen by the policyholder can be enhanced only at the time of renewal.
    • Premium discount is available for maintaining a healthy lifestyle. The ‘Stay Active’ benefit provides premium discount up to 8% for policyholders who maintain a healthy lifestyle.
    • Portability benefit is available under this policy, and it can be transferred to another insurance service provider at the time of renewal.
    • Tax benefits under Section 80D of the Income Tax Act are available for the premiums paid for this policy.

    Benefits of Apollo Munich Easy Health Premium

    Benefits Extent of Cover
    In-patient hospitalisation Covered up to the sum insured limit
    Day care treatment Coverage available for all procedures that do not require 24 hours of hospitalisation
    Domiciliary treatment Covered up to the sum insured limit
    Organ donor cover Covered for all expenses incurred during organ transplant
    Emergency ambulance Up to Rs.2,000 per hospitalisation
    Emergency air ambulance (only for sum insured Rs.15 lakh and above) Up to Rs.2.5 lakh per hospitalisation
    AYUSH benefit Up to Rs.25,000 (for sum insured up to Rs.10 lakh) Up to Rs.50,000 (for sum insured Rs.15 lakh and above)
    Daily cash (for choosing shared accommodation) From Rs.500 to Rs.1,000 per day based on the sum insured chosen (maximum of 6 days)
    Daily cash for accompanying an insured child From Rs.300 to Rs.800 per day based on the sum insured chosen (maximum of 30 days)
    Recovery benefit (only for sum insured Rs.15 lakh and above) Rs.10,000
    Maternity benefit Normal delivery - Rs.15,000 to Rs.30,000 (varies based on the sum insured chosen) Cesarean delivery - Rs.25,000 to Rs.50,000 (varies based on the sum insured chosen)
    Outpatient dental treatment benefits (after a 3-year waiting period) Up to 1% of the sum insured subject to a maximum of Rs.5,000 and Rs.7,500 (based on the sum insured chosen)
    Cost of spectacles, hearing aids, contact lenses, etc. (once every 3 years) A maximum of Rs.5,000 (for sum insured up to Rs.10 lakh) A maximum of Rs.7,500 (for sum insured Rs.15 lakh and above)
    Cumulative benefit 10% per claim-free year subject to a maximum of 100%
    Critical illness cover (optional) Lump sum of 50% or 100% of the sum insured upon first diagnosis of a named critical illness
    Critical advantage rider (optional) for sum insured Rs.10 lakh and above Treatment for 8 major illnesses at the company’s worldwide network centers

    Exclusions of Apollo Munich Easy Health Premium

    The following exclusions are applicable to Apollo Munich Easy Health Premium:

    • Treatment for congenital diseases, birth defects, or anomalies
    • Treatment for AIDS, HIV, and sexually transmitted diseases
    • Expenses related to the treatment of mental disorders and insanity
    • Any kinds of weight management or obesity treatments
    • Cosmetic or aesthetic treatments of all kinds
    • Injuries or illnesses caused by nuclear weapons, radiation, chemical weapons, biological weapons, etc.
    • Expenses arising out of alcohol or substance abuse
    • Expenses related to items of personal comfort during hospital stay
    • Any kinds of unproven or experimental treatments

    Claim Procedure

    The company must be intimated as soon as the occurrence of an event that may give rise to a claim. Cashless treatment facility is available in over 4,000 network hospitals located across the country. Pre-authorisation must be obtained from the company in case of cashless treatment. The insured must obtain authorisation at least 2 days before planned hospitalisation and within 24 hours in case of emergency hospitalisation.

    For reimbursement claims, the insured must submit all the required documents soon after discharge from the hospital. Once the documents are submitted, the company will verify the claim and provide the settlement amount.

    *The customer reviews/feedback/opinions expressed on this website are solely of their authors and do not reflect, in any way, the view of BankBazaar Insurance.

    Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. Display of such IP along with the related product information does not imply BankBazaar's partnership with the owner of the Intellectual Property or issuer/manufacturer of such products.

    Apollo Munich Easy Health Premium Plan Reviews

    • Apollo Munich Health Insurance
      "Worst and Fraud insurance. never take it. rejects all claims"
      0.5 0.5/5 "Unacceptable"
      They reject all claims without proper reason. I personally experienced it. My claim of hospital bill was rejected giving any wrong reason. I urge all people, never take any policy of apollo munich. claim ID: 948912 case ID:5208987. Anyone can check my claim. Fraud apollo munich company, Playing with people money.
      Was this review helpful? 2
      , mumbai
      Reviewed on Mar 15, 2019
    • Star Health
      Star Health Health Insurance
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      I have taken the health insurance policy with the STAR HEALTH & ALLIED INSURANCE where i been using the policy since from last few years. The premium i have paid is 11K for this policy, the medical coverage is for 2L 50K for this policy where the coverage is for self.
      Was this review helpful? 2
      , new delhi
      Reviewed on Jan 30, 2019
    • Royal Sundaram Health Insurance
      "GOOD POLICY"
      0.5 4.5/5 "Excellent!"
      I have been using the health insurance policy with the ROYAL SUNDARAM GENERAL INSURANCE since from last 4-5 years where i had claim once with this policy. The medical coverage is for 4L for complete family. The premium is nominal with this insurance policy.
      Was this review helpful? 5
      , bilaspur
      Reviewed on Jan 29, 2019
    • HDFC Ergo Health Insurance
      "BETTER"
      0.5 3.0/5 "Satisfactory"
      The reason for taking the HDFC ERGO GENERAL INSURANCE health insurance is because i wanted to enhance the medical coverage of this policy. It is a top up plan where i the coverage is for 6L for family. It also includes the pre existing disease coverage.
      Was this review helpful? 1
      , bilaspur
      Reviewed on Jan 29, 2019
    • Tata AIG Health Insurance
      "GOOD POLICY"
      0.5 5.0/5 "Blown Away!"
      I am holding the health insurance policy with the TATA AIG GENERAL INSURANCE since from last 10 years as i have no claim experience with this insurance policy. The premium is nominal also the medical coverage they have offered is 5L for self.
      Was this review helpful? 1
      , noida
      Reviewed on Jan 29, 2019
    • Bankbazaarinsurance.com Health Insurance
      "USER FRIENDLY PORTAL TO USE"
      0.5 5.0/5 "Blown Away!"
      Bankbazaarinsurance.com i am using it for the very first time as i am using it through the website as the portal is convenient to access also it is hassle free to apply for the insurance. The customer service is very good they explain the details of the policy.
      Was this review helpful? 1
      , indore
      Reviewed on Jan 29, 2019
    • National Insurance Health Insurance
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      The reason for taking the health insurance policy with the NATIONAL INSURANCE is because the service is very good. The premium is nominal also the medical coverage what they have offered is 1L for self coverage. It has the disease coverage also the accidental coverage.
      Was this review helpful? 1
      , indore
      Reviewed on Jan 29, 2019
    • Bankbazaarinsurance.com Health Insurance
      "CONVENIENT PORTAL TO USE"
      0.5 4.0/5 "Great!"
      It is the first time experience with the Bankbazaarinsurance.com where i have been using it through the website as the portal is user friendly also it is convenient to access. The customer service is good by explaining the details of the policy.
      Was this review helpful? 1
      , thane
      Reviewed on Jan 29, 2019
    • HDFC Ergo Health Insurance
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      The reason for taking the health insurance policy with the HDFC ERGO GENERAL INSURANCE is because i am an existing customer of life insurance with this HDFC. I had no claim experience with this policy but the medical coverage is for 5L for self.
      Was this review helpful? 1
      , thane
      Reviewed on Jan 29, 2019
    • Bajaj Allianz Health Insurance
      "GOOD POLICY"
      0.5 4.0/5 "Great!"
      I am using with the health insurance policy with the BAJAJ ALLIANZ GENERAL INSURANCE from last two years which is a corporate policy where i had no claim experience but the premium i am paying for yearly where half of the amount has been paid by the company. The medical coverage they are providing is for 2L for family.
      Was this review helpful? 0
      , kumarakom
      Reviewed on Jan 27, 2019
    • Apollo Munich Health Insurance
      "EXCELLENT"
      0.5 4.0/5 "Great!"
      The premium is nominal when compared to the other health insurances with the APOLLO MUNICH so i have taken this health insurance policy. The claim settlement is very good and the customer service is very helpful. I had no claim experience but the medical coverage is for 10L with this policy.
      Was this review helpful? 1
      , new delhi
      Reviewed on Jan 25, 2019
    • review Health Insurance
      "GOOD POLICY"
      0.5 5.0/5 "Blown Away!"
      I have been using the health insurance policy with the ICICI LOMBARD GENERAL INSURANCE since from last 10 years where i have paid the premium for 7 years. The customer support is very helpful for getting the claim where i got 60K of claim with this policy. Medical coverage is for 5L for family.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 23, 2019
    • Bankbazaarinsurance.com Health Insurance
      "USER FRIENDLY PORTAL TO USE"
      0.5 4.0/5 "Great!"
      Bankbazaarinsurance.com i am using it from last more than one year and i have been using it through the website as i have faced with no issues with this portal and it is hassle free to access. The customer service is very good by explaining the details of the policy.
      Was this review helpful? 1
      , mumbai
      Reviewed on Jan 23, 2019
    • Universal Sompo Health Insurance
      "GOOD"
      0.5 4.0/5 "Great!"
      The benefits are good with the UNIVERSAL SOMPO GENERAL INSURANCE health insurance so i have taken this insurance. I had no claim experience with this insurance policy but the premium is nominal and the medical coverage is for 10L and the policy coverage is family.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jan 23, 2019
    • Bankbazaarinsurance.com Health Insurance
      "CONVENIENT"
      0.5 4.0/5 "Great!"
      This is the first time experience with the Bankbazaarinsurance .com where i am using it through the mobile application as the application is user friendly and also it is hassle free to use. The customer service is comfortable and they are responsive and it is good.
      Was this review helpful? 1
      , chennai
      Reviewed on Jan 23, 2019
    • HDFC Ergo Health Insurance
      "GOOD"
      0.5 4.0/5 "Great!"
      It is the better plan when compared to the others so i have taken the health insurance policy with the HDFC ERGO GENERAL INSURANCE. Premium is nominal and also the medical coverage is satisfactory which gives the medical coverage is for family.
      Was this review helpful? 1
      , chennai
      Reviewed on Jan 23, 2019
    • HDFC Ergo Health Insurance
      "GOOD"
      0.5 2.0/5 "Expected more"
      I have taken the HDFC ERGO GENERAL INSURANCE health insurance policy with the where i have paid the premium 4187 and the medical coverage is satisfactory with this policy. I had no claim experience with this policy. I have not got the soft copy as well as the hard copy.
      Was this review helpful? 1
      , hisar
      Reviewed on Jan 23, 2019
    • Bankbazaarinsurance.com Health Insurance
      "CONVENIENT"
      0.5 4.0/5 "Great!"
      Bankbazaarinsurance.com is the first time experience where i have been using it through the website as the portal is user friendly also it is comfortable to access. The customer support is with no proper response because they have not followed up.
      Was this review helpful? 0
      , hisar
      Reviewed on Jan 23, 2019
    • HDFC Ergo Health Insurance
      "GOOD"
      0.5 2.0/5 "Expected more"
      The service is better than others so i have taken this HDFC ERGO GENERAL INSURANCE health insurance policy. I had no claim experience but the medical coverage is for 3L for self. I have not received the soft copy and the hard copy. There is no proper customer followup. The premium i have paid is 8,035.
      Was this review helpful? 4
      , hisar
      Reviewed on Jan 23, 2019
    • Bankbazaarinsurance.com Health Insurance
      "CONVENIENT"
      0.5 3.0/5 "Satisfactory"
      It is the first time experience with the Bankbazaarinsurance.com where the portal is very good to use. I use it through the website as the portal is user friendly and hassle free to access. The customer service is very good and they are responsive.
      Was this review helpful? 1
      , nellore
      Reviewed on Jan 23, 2019
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