Apollo Munich Easy Health Standard Plan
Product Overview
Apollo Munich Easy Health Standard Insurance Plan offers comprehensive cover for medical treatment of illnesses and accidents requiring in-patient hospitalisation. The plan also offers add-on optional cover for listed critical illnesses.
Unique Features - Apollo Munich Easy Health Standard Plan
- You get a Cumulative Bonus (CB) of 10% for every claim-free year accumulating up to 100% (in the event of a claim, CB will be reduced by 10% of SI on the next renewal).
- Waiting period for pre-existing disease is 3 years.
- Ayush Benefits- The Medical expenses for in-patient treatment taken under Ayurveda, Unani, Sidha and Homeopathy.
- Health Risk Assessment & Healthline services- A comprehensive health check-up involving a number of medical tests only once at the end of a block of four continuous claim free policy years.
- Pre & Post hospitalisation expenses are covered upto 60 & 90 days.
- This plan has no co-payment clause.
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Critical Features - Apollo Munich Easy Health Standard Plan
- Room rent:
Limits imposed towards room and ICU rent expenses
No Sub limits on room rent and ICU charges - Co-Pay:
Specific % of admissible claim amount to be borne by Insured
This plan does not have co-payment clause. - No Claim Bonus:
Health Insurance policies may offer Cumulative Bonus wherein for every claim free year, the Sum Insured is increased by a certain percentage at the time of renewal
10 % of Basic Sum Insured upto a maximum of 100% for each unclaimed year in case opted for. (10 % will be reduced on claim) - Pre-Existing Diseases:
Means any condition, ailment or injury or related condition(s) for which you had signs or symptoms, and / or were diagnosed, and / or received medical advice/ treatment, within 48 months prior to the first policy issued by the insurer
This plan has a waiting period of 3 years for pre-existing diseases
Eligibility Criteria
- Minimum Age of Entry:- Children-91 days/Adults-18 years
- Maximum age of Entry:- 65 years
- Renewal Age:- Life Long Renewal
- Sum Insured:- 1 Lakh to 5 Lakhs
- Policy Tenure:- 1& 2yrs
- Family Definition:-
Individual Plan - spouse, dependent children, dependent parents, parent-in-law, grandparents and grandchildren
Family Floater - Self, Spouse, Father, Father-in-law, Mother or Mother- in-law, Grandfather, Grandmother - Premium Calculated on Basis of:- Age, (i.e. sum Insured Chosen)
Add-ons
- Critical Illness:
You can opt for an additional cover for Critical Illness which covers for cancer, coronary artery (bypass) surgery, first heart attack (myocardial infarction), kidney failure (end-stage renal disease), major organ transplantation, multiple sclerosis, paralysis and stroke.
Additional Discounts
- Family Discount of 5% if 2 members are covered and 10% if 3 or more family members
- Discount for multi-year polices-7.5% discount for opting 2yr policy tenure
Exclusions
Any claims arising out of or attributable to any of the following is not covered.
- Expenses arising from HIV or AIDS and related diseases
- Congenital diseases, mental disorder or insanity, cosmetic surgery and weight control treatments
- Abuse of intoxicant or hallucinogenic substances like intoxicating drugs and alcohol
- Hospitalization due to war or an act of war or due to a nuclear, chemical or biological weapon and radiation of any kind
- Pregnancy, dental treatment, external aids and appliances unless covered under the specific Easy Health Insurance Plan
- Items of personal comfort and convenience
- Experimental, investigative and unproven treatment devices and pharmacological regimens.
- Medical Expenses relating to any hospitalisation primarily and specifically for diagnostic, X-ray or laboratory examinations and investigations
Note: Please refer tothe policy T&C for the detailed list of exclusions.
Tax Benefits
When you pay the premium for your health insurance policy, you are liable to get a tax rebate under section 80D of the Income Tax Act, 1961.
Claim Process
In case you would like to know about the Claim Process or would like to register a Claim please click the link below
