Apollo Munich Health Insurance India

Apollo Hospital is a brand name when it comes to superior medical practices in our country. It collaborated with reputed health insurance brand Munich Health in August 2007. At present, most of the people in India trust and prefer Apollo Munich Health Insurance when they need to have a health insurance.

Health Insurance Plans offered by Apollo Munich for Individuals:

The individual insurance plans by Apollo Munich are well recognized and have won so many awards. These plans are well-known due to their easy procedures of cashless hospitalization, advantages restoration with no claim bonus (100%) and absence of any additional renewal loadings because of previous claims. These powerful plans are functional and simple and turn out to be solid package because of these qualities.

Health Insurance Plans offered by Apollo Munich for Families:

Full health coverage is offered to members of a family by these plans.

The family is defined as the group that include the insured person and spouse, 2 dependent children and dependent adults that include in laws, parents and grandparents. These plans offer advantages such as coverage to all the family members under only 1 plan, no claim bonus (100%) and absence of any additional renewal loadings in case the claims are issued. An amount ranging from three to fifteen lakh rupees is insured for the individuals of the family.

Health Insurance Plans offered by Apollo Munich for Senior Citizens:

These plans are offered to the citizens who are over 65 years. They aim to give financial security to senior citizens from their medical expenses. Mostly, senior citizens are relied on interests and pensions, so, health issues prove to be disastrous for their long term finances. These plans offer advantages in areas like day care and domiciliary treatments, in-patient hospitalisation, emergency ambulance, pre and post hospitalisation, organ transplant and much more.

These health insurance plans offer cashless service, portability, sum insured enhancement, cumulative bonus, emergency ambulance service and many more features. 

Below are given the current health insurance plans for families and individuals:

Easy Health Standard Plan:

It is a full hospitalization cover with no co-pays or sub limits and with sum insurance of up to five lakh rupees. The plan has an option to choose a Critical Illness Rider.

Age for Entry Five to sixty-five years
Basis Floater with option to choose a Critical Illness Rider
Duration One or two years
Assured Sum Up to five lakh rupees
Coverage to Insured person and spouse, dependent children, grand children parents, grandparents and In laws
Advantages Day Care Procedures, Pre-Hospitalisation, In-Patient Hospitalisation, Post-Hospitalisation, Organ Donor, Daily Cash, Health Check-up, Emergency Ambulance, Critical Illness (optional),Domiciliary Treatment, Ayush Benefit
Add-on Cover The Insured person may go for an add-on cover for critical health issues covering for coronary artery (bypass) surgery, cancer, stroke, major organ transplantation, kidney failure (end-stage renal disease), multiple sclerosis, paralysis and first heart attack (myocardial infarction).
Discounts Given A discount of 7.5% for policy of two years

Easy Health Exclusive Plan:

Coverage from medical expenses is given to protect a person from any emergency. This coverage is provided on the basis of individual sum insured and add-on coverage for some specific critical health issues.

Age for Entry Five to sixty-five years
Basis Floater/Individual
Duration One or two years
Assured Sum Up to fifty lakh Rupees
Coverage to Insured person and spouse, dependent children, grand children parents, grandparents and In laws
Advantages Domiciliary Treatment, Pre-Hospitalisation, In Patient Hospitalisation, Post Hospitalisation, Daily Cash, New Born Baby, Day-Care Procedures, Maternity Expenses, Ayush Benefit, Health Check-up, Critical Illness (optional), Organ Donor and Emergency Ambulance.
Add-on Cover Option to choose a Critical Illness Rider
Recovery Advantage Advantage of about ten thousand rupees, in case the hospitalization is for above ten days (applicable for fifteen lakh or above insured sum)
Discounts Given A discount of 7.5% for policy of two years

Easy Health Premium Plan:

The plan provides cover on the basis of floater insured sum and provides additional cover (optional) of the listed critical illness.

Age for Entry Five to Sixty-five years (Any child who is dependent, is covered from day 91, if any one parent gets coverage under this plan.
Basis Floater/Individual
Assured Sum Up to fifty lakh rupees
Advantages Day-Care Procedures, Outpatient Dental Treatment, Pre Hospitalization, In-Patient Hospitalization, Post Hospitalization, Organ Donor Domiciliary Treatment, Maternity Expenses, Daily Cash, Ayush Benefit, Spectacles, Contact Lenses, Health Check-up, Emergency Ambulance, New Born Baby, Hearing Aid, Critical Illness (optional) and E-Opinion for the sake of a Critical Illness
Duration One or two years
Coverage to Insured person and spouse, dependent children, grand children parents, grandparents and parent-in-law
Add-on Cover Critical Illness Rider
Recovery Advantages Advantage of about ten thousand rupees, in case the hospitalization is for above ten days (applicable for fifteen lakh or above insured sum)

Optima Restore Plan

‘Restore’ advantages are given to the customer under health insurance plan wherein the basic insured sum is restored automatically if he/she uses it within a policy year.

Age for Entry Five to Sixty-five years (Any child who is dependent, is covered from day 91, if any one parent gets coverage under this plan.
Duration One or two years
Basis Floater/ Individual
Assured Sum Three to fifty lakh rupees
Assured Sum Reinstatement If exhausted in between the year
Benefits Offered Day-Care Procedures, Pre Hospitalization, In Patient Hospitalization, Post-Hospitalization, Organ Donor, Domiciliary Treatment, Emergency Ambulance and Daily Cash
Coverage to Insured person and spouse, dependent children, parents and parents-in-law
Restore Advantages Reinstatement of the basic insured sum automatically in case the basic insured sum and multiplier benefit will be exhausted in policy year. This reinstatement will take place once within a policy year.
Coverage for pre and post hospitalization 2 and 6 months
E-opinion If a person suffering from any critical health issue requests, then another opinion by the medical practitioner selected by him/her will be arranged. This advantage is provided only once within a policy year
Multiplier Advantage This plan offers 50% of basic insured sum for each claim free year that accumulate up to 100%, as a bonus. At renewal, in a claim event, the bonus is reduced by half of the basic insured sum.

Optima Plus Plan

Coverage for higher hospitalization expenses for nominal premium is offered by this plan. An option for converting a nil deductible plan when retired is also offered by the plan.

Age for Entry Five to sixty-five years
Duration One or two years (A discount of 7.5% for policy of two years)
Basis Individual
Assured Sum 5 lakh
Advantages Emergency Ambulance, Day-Care Procedures, Pre Hospitalization, In Patient Hospitalization, Post Hospitalisation, Organ Donor and Domiciliary Treatment
Coverage to Insured person and spouse, dependent children and parents
Conversion of the plan to a Nil-Deductible Plan An option for converting a plan to fully-fledged Indemnity plan when retired, can be availed only at the renewal from 58 to 60 years if the insured enrolled in this plan post he/she becomes 50 years in age andhave continuous renewal without any break

Optima Super Plan

This is the plan for supplementing one’s existing plan with less insured sum. This is a very good option for the customers who are covered under unique waiver of deductible option and group plans for enjoying full coverage when they choose. It also covers day care and hospitalization cover without any sub limits.

Age for Entry Five to Sixty-five years (Any child who is dependent, is covered from day 91, if any one parent gets coverage under this plan.
Duration One or two years with a grace term of one month
Basis Floater/Individual
Assured Sum The plan offers 3 amounts- 5, 7 or10 lakh Rupees
Advantages Day-Care Procedures, Pre Hospitalization, In Patient Hospitalization, Post Hospitalization, Ambulance Service and Organ Donor
Coverage to Insured person and spouse, dependent children and parents
Waiver of Deductible Advantages An option for converting a plan to fully-fledged Indemnity plan without any medicals or underwriting, can be availed only at the renewal from 55 to 60 years if the insured enrolled in this plan post he/she becomes 50 years in age and have continuous renewal without any break

Optima Vital Plan

This plan is a health insurance plan for critical illness. It provides lump sum amount on diagnosis of thirty- seven different critical health issues.

Age for Entry Eighteen to sixty-five years (Any child who is dependent can get the coverage in between 18 and 25 years)
Duration One or two years
Basis Family/ Individual
Assured Sum One to fifty lakh Rupees
Advantages Critical illness
E-opinion If a person suffering from any critical health issue requests, then another opinion by the medical practitioner selected by him/her will be arranged. This advantage is provided only once within a policy year
Coverage to Insured person and spouse, dependent children and parents
Waiver of Deductible Advantage Can only be availed on renewal from 55 up to 60 years
Discounts Given A discount of 7.5% for policy of two years

Dengue Care Plan

The disease dengue is very serious health issue and it affects the people of any age be it young or old. Medication is available for this disease, however all costs can be covered under Dengue Care Plan.

Age for Entry

More than 3 months to 25 Years (Children)

18 to 65 Years (Adults)

Basis Family/ Individual
Duration Annual Plan
Number of Persons Six
Assured Sum Fifty thousand to one lakh
Advantages Pre hospitalization, In patient Hospitalization, Post hospitalization, Lifetime renewability, Cashless service, Outpatient consultations, Shared accommodation, Diagnostic tests, Home nursing, Pharmacy, Cashless service and No maximum cover ceasing age
Renewability Lifetime
Tax Advantages Under 80D section of Income Tax Act, 1961
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