• Apollo Munich Easy Health Standard Plan

    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**

    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.

    Eligibility for Apollo Munich Easy Health Standard

    The eligibility criteria outlined by Apollo Munich for enrolling in Easy Health Standard can be listed as follows:

    • The entry age for this policy is between 5 years and 65 years.
    • Dependent children can be covered from the age of 91 days provided at least one adult is enrolled simultaneously.
    • There is no exit age for this policy, and it can be renewed annually throughout one’s life.
    • A maximum of 6 members can be enrolled in the family floater cover.

    Features of Apollo Munich Easy Health Standard

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

    • This policy comes with multiple sum insured options ranging from Rs.1 lakh to Rs.15 lakh.
    • There is no limit on room rent expenses or copayment option under this policy cover.
    • There is an initial waiting period of 30 days for all illnesses under this policy cover. However, this waiting period does not apply for accidents.
    • All pre-existing diseases have a waiting period of 36 months.
    • Pre-hospitalisation medical expenses are covered for up to 60 days prior to the date hospital admission.
    • Post hospitalisation medical expenses are covered for up to 90 days after hospitalisation.
    • This policy is available in 1 or 2 year policy terms based on the requirement of customers. Premium discount is available for 2-year policy terms.
    • Free medical checkup is available with this policy after 4 claim-free years.
    • Under the ‘Stay Active’ benefit, policyholders can avail up to 8% premium discounts by maintaining a healthy lifestyle.
    • The sum insured amount can be enhanced only at the time of renewal.
    • This policy can be transferred to other insurance service providers without losing out on any accrued benefits.
    • The premium amount paid for this policy is eligible for tax relief as per section 80D of the Income Tax Act.
    • This policy comes with a free look period of 15 days during which time policyholders can review the terms and cancel the policy if not satisfied.
    • There is a grace period of 30 days from the date of expiry for policyholders to renew their policies.

    Benefits of Apollo Munich Easy Health Standard

    In-patient hospitalisation Covered up to the sum insured limit
    Day care treatment Covered for all procedures that do not require 24-hour hospitalisation
    Domiciliary hospitalisation Covered
    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)

    Exclusions of Apollo Munich Easy Health Standard

    Some of the exclusions listed under Apollo Munich Easy Health Standard medical insurance policy can be listed as follows:

    • Injuries or illnesses arising out of war or warlike activities
    • Injuries or illnesses caused while breaching the law with criminal intent
    • Intentional self-injuries or attempted suicide
    • Injuries caused due to participation in dangerous activities
    • Injuries or illnesses attributable to the use of tobacco, alcohol, narcotics, etc.
    • Cosmetic or aesthetic treatments of all kinds
    • Prosthetic devices and other medical accessories
    • Expenses related to the weight management or obesity treatments
    • Treatments taken through experimental or investigational procedures
    • Preventive care including vaccinations and inoculations of all kinds
    • Cost of spectacles, hearing aids, contact lens, etc.
    • Convalescence, general debility, and run down condition
    • Congenital external diseases, birth defects, anomalies, etc.
    • Any expenses related to the treatment of HIV, AIDS, or sexually transmitted diseases
    • Birth control and similar procedures
    • Any non-medical expenses incurred during the time of hospitalisation
    • Treatments not undertaken in India
    • Psychiatric and mental health disorders of all kinds
    • Parkinson’s and Alzheimer’s disease

    Claim Procedure

    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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