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.
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.
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:
Each plan by Apollo Munich offers a different set of benefits. Read up about the various plans and choose one based on your requirements.
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:
Filing a cashless claim with Apollo Munich is simple and convenient. Here are the steps to be followed:
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.
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.
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.
Yes, the reimbursement claim request needs to be submitted within 15 days from the date of discharge from the hospital.
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.
The health insurer will reimburse the medical expenses incurred within 30 days from the date of submission of the last document requested.
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