The Health Wallet is a new-age health insurance plan for individuals and families that offers extensive benefits that would certainly be worth the money paid. The plan does not simply offer benefits to support an individual to pay his/her medical bills but save up the benefits for the future as well. If one maintains good health and does not raise a claim, he/she is provided with a bonus amount over and above the sum insured. The features and add-ons make the policy a unique medical insurance plan.
The eligibility criteria set by the insurance company are as given below:
The plan offered by Apollo Munich has extensive features as mentioned below:
The plan offers a range of benefits. Here are the details of the same:
|In-patient hospitalisation||Expenses incurred on room rent, ICU, blood, oxygen, surgical appliances, diagnostic procedures, etc., provided the insured is hospitalised for 24 hours|
|Pre-hospitalisation expenses||Expenses incurred on investigations, consultations, and medicines up to 60 days before the date of hospitalisation|
|Post-hospitalisation expenses||Expenses incurred on investigations, consultations, and medicines up to 90 days after the date of discharge|
|Domiciliary treatment||Expenses incurred on treatment conducted at home for which, under normal circumstances, would require the person to be hospitalised|
|Day care procedures||Procedures such as liver biopsy, haemodialysis, cancer chemotherapy, etc. for which the hospitalisation period is less than 24 hours|
|Recovery||Lump sum amount paid in case the individual is hospitalised for more than 10 continuous days|
|Worldwide emergency care||Expenses incurred on treatments for health conditions that first manifested while travelling overseas|
|AYUSH treatment||Expenses incurred on Ayurveda, Unani, Siddha, and Homeopathy treatments taken in specified hospitals/institutes|
|Organ donor||Expenses incurred by the organ donor such as medical and surgical expenses for harvesting the organ for the insured individual|
|Ambulance||Expenses incurred on transportation of the insured person to the hospital, subject to a maximum of Rs.2,000|
The plan has a few exclusions that cannot be covered under the policy whatsoever. Some of the exclusions applicable are:
The policyholder is required to follow the claim settlement procedure laid out by the company.
Insured individuals are expected to intimate the company about the hospitalisation within 7 days from the date of discharge from the hospital. For cashless hospitalisation, however, the person is required to inform the insurer 48 hours in advance in the case of planned hospitalisation and within 24 hours after admission in the case of unplanned hospitalisation. Cashless services are provided only in network hospitals.
The documents required by the company to process the claim are:
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