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.
Potential policyholders who wish to take Apollo Munich Easy Health Premium must meet the following eligibility criteria:
The key features of Apollo Munich Easy Health Premium can be listed as follows:
|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|
The following exclusions are applicable to Apollo Munich Easy Health Premium:
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.
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