Apollo Munich Health Insurance Network Hospitals 

Apollo Munich Health Insurance has more than 4,650 empanelled hospitals where health insurance policyholders can enjoy the benefit of cashless hospitalisation. The insurer has made sure that all states and most cities in India have network hospitals. 

If you wish to know if the city you reside in has a network hospital, you can find the list on the insurance company’s official website. 

• On the home page, click on the three-line menu bar present on the top right-hand corner.  
• Then, click on ‘Our cashless hospital network’. 
• On the redirected page, select the appropriate options and then click on ‘Search’. 

Apollo Munich Network Hospitals in Different States

What are the benefits of choosing an Apollo Munich network hospital? 

The key benefit of choosing to get your medical treatment in a network hospital is that the insurance company will directly pay for the expenses covered to the hospital. You need not worry about saving all the bills and receipts to submit to the insurer. All you have to do is inform the insurer and get a pre-authorisation letter authenticated so that the insurance company pays the hospital bill at the time of discharge. 

What are the benefits under Apollo Munich cashless claim facility? 

Each of the cashless health insurance policies by Apollo Munich offers varying benefits. Here are some of the key benefits that can be found under Apollo Munich health plans: 

• Cover for hospitalisation expenses 
• Day care treatments coverage 
• Organ donor expenses cover 
• Pre and post-hospitalisation expenses coverage 
• Emergency ambulance charges cover 
• Coverage for domiciliary treatment 
• Health check-up expenses coverage 
• Critical illness cover 
• Cancer cover 
• Personal accident cover 
• Availability of daily hospital cash 
• Illness-specific coverage 
• New-born baby cover 
• Women-specific illness coverage 

Each plan by Apollo Munich offers a different set of benefits. Read up about the various plans and choose one based on your requirements. 

What procedures are not covered under Apollo Munich cashless claim facility? 

Not all treatments that an insured member undergoes is covered under the health insurance policy. Given below are some of the exclusions of the policy: 

• Illnesses or injuries caused by wars or war-like operations 
• Treatment of ailments caused by intoxication or drug abuse 
• Treatment in facilities not recognised as hospitals 
• Cosmetic treatments 
• Illnesses or expenses not covered under the health insurance policy 
• Certain treatments until completion of the specified waiting period 
• Treatments availed outside India unless the plan has the Emergency Worldwide Care Benefit 

How do you file a claim at an Apollo Munich network hospital? 

Filing a cashless claim with Apollo Munich is simple and convenient. Here are the steps to be followed: 

• Get admitted to the hospital. 
• Inform the insurer about the hospitalisation. In case of planned hospitalisation, inform the insurer 7 days in advance. 
• Provide all the details to the insurer. 
• The insurer will provide the authorisation once it confirms that the treatments applied for are covered under the policy.  

Apollo Munich Health Insurance policyholders can also apply for claims by the reimbursement method. Individuals will have to submit all the necessary bills and receipts to the insurer to get the reimbursement of the medical expenses incurred. This facility can be used for treatments undertaken at any hospital, network or non-network. 

FAQs 

1. Is there a possibility that the application for a cashless claim will be rejected?

Yes, if the treatment the insured person wishes to undergo is not covered under the policy, the application may get rejected. The rejection letter will be sent within 6 hours from application. 

2. Can I apply for a reimbursement of the expenses incurred if my cashless claim application is rejected? 

Yes, if your application for cashless hospitalisation is rejected, you can pay the hospital bill yourself and then apply for a reimbursement of the expenses incurred.  

3. Is there a time limit within which the reimbursement claim form needs to be submitted? 

Yes, the reimbursement claim request needs to be submitted within 15 days from the date of discharge from the hospital. 

4. What is the maximum amount that can be reimbursed under a policy? 

The maximum amount that can be reimbursed in a year is the sum insured amount of the policy. Only treatments that are covered under the plan will be paid for. 

5. How long will it take for me to receive the claim amount from the health insurance company? 

The health insurer will reimburse the medical expenses incurred within 30 days from the date of submission of the last document requested.