Apollo Munich is a standalone health insurance service provider operating in the market. With a range of comprehensive plans, the company aims to provide complete protection at an affordable insurance price. Easy Health Standard by Apollo Munich is a comprehensive health insurance plan that offers a range of benefits for policyholders. This policy is available in individual and family floater variants based on the requirements of the customer. In addition to the regular benefits, this policy also comes with a few add-on covers to enhance the protection offered.
The eligibility criteria outlined by Apollo Munich for enrolling in Easy Health Standard can be listed as follows:
The key features of Apollo Munich Easy Health Standard can be listed as follows:
|In-patient hospitalisation||Covered up to the sum insured limit|
|Day care treatment||Covered for all procedures that do not require 24-hour hospitalisation|
|Emergency ambulance cover||Up to Rs.2,000 per hospitalisation|
|Daily cash||Lump sum amount if shared accommodation is chosen in a hospital|
|Cumulative bonus||Up to 10% per claim-free year subject to a maximum of 100% (After a claim, it will reduce by 10% in the following year.)|
|Alternative treatment||Coverage for ayurveda, unani, siddha, and homeopathy treatments|
|Organ donor expenses||Treatment expenses for the organ donor|
|Recovery benefit||Lump sum benefit of Rs.10,000 if hospitalisation exceeds 10 days|
|Critical illness cover (optional)||Coverage for major illnesses such as cancer, coronary artery bypass surgery, neurosurgery, bone marrow transplant, etc. (The benefit is limited to 50% or 100% of the base cover’s sum insured amount)|
|Critical advantage rider (optional)||Coverage against treatment expenses of 8 major illnesses at network centers across the world (available for sum insured Rs.10 lakh and higher)|
Some of the exclusions listed under Apollo Munich Easy Health Standard medical insurance policy can be listed as follows:
Following the occurrence of an event that may give rise to a claim, the insured must notify the company immediately. If you are planning your hospitalisation, you must notify the company at least 48 hours before admission. For emergency situations, the insurer can be notified after 24 hours of hospital admission.
Cashless treatment: Cashless treatment requires pre-authorisation from the company. The company’s customer care center will guide you through the process of obtaining authorisation. Once the documents are sent through fax, the company will provide the authorisation within a maximum of 6 hours.
Reimbursement claims: For reimbursement claims, all documents and hospitalisation proofs must be submitted to the company within a maximum of 7 days. Once the documents are submitted, the company will initiate the claim proceedings. The documents will be verified by the company, and the claim amount will be settled within a maximum of 30 days.
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