In any case if the insured / policy holder would like to cancel his Apollo Munich Health Insurance Policy, then the below given procedure needs to be followed:-

Health insurance:

In case the customer does not wish to continue the policy, then he has the option to terminate the policy by giving a written notice at any of the apollo munich health insurance branch or call on the Toll free number - 1800 102 0333. The cancellation will be from the date of receipt of such written notice. Premium shall be refunded as per the table below (if and only if no claim has been made under the policy.

Free look period:

The policy holder has a period of 15 days from the date of receipt of the policy document to review the terms and conditions of this policy. If there Is any objections to any terms and conditions, he has the option to cancel the policy stating the reason for cancellation and the premium paid by you will be refunded after adjusting the amounts spent on any medical check-ups, stamp duty charges and proportionate risk premium. The insured can cancel the policy if there Has not been any claims made during the policy year.

Non-disclosure or Mis-representation:

If at the time of issuance of the policy or during continuation of the policy, the information provided to the insurance company in the proposal form is found incorrect, suppressed or not disclosed, then the policy shall be:

• Cancelled from the inception date or the renewal date (as the case may be), or the policy will be modified with the insurance company - upon 30 days' notice by sending an endorsement to the insureds address shown in the schedule without refunding the premium amount
• The claim under the policy if any shall be rejected/ repudiated

The termination process shall be undertaken by giving a 30 days notice to the policy holder at his address mentioned on the proposal form and no premium will be refunded.

Hospital cash policy

Termination of policy:

The insured can give a written notice informing the insurance company regarding termination of the policy. If no claim has been made in the policy period then the insurance company shall refund in accordance with the table given below:

The coverage of the insured person shall be automatically terminated if:

• If the insured is no longer in india or in the case of his demises. However the cover shall continue for the remaining insured person till the end of the policy. The other insured persons may also apply for the renewal

Personal accident

Termination: in case the insured would like to terminate the policy, he can do it by giving a written notice. If no claim has been made under the policy then the insurance company will refund the premium in accordance To the below table:-

The policy shall be terminated on grounds of Mis-representation, fraud, non-disclosure of material facts or non-cooperation by the insured or his family members by sending a written notice to the address mentioned on the proposal form.

Travel insurance

Termination:

The policy shall be cancelled or terminated on the grounds of Mis-representation, fraud, non-disclosure of material facts or non-cooperation by any insured person, upon giving 30days notice with Refund of premium on Pro-rata basis.

Cancellation:

1. The insured can cancel the policy any time before the commencement of the policy by giving a written notice. If no claim has been made under the policy then the insurance company shall deduct the following cancellation charges and refund the premium paid:
   1. Rs. 250 for a short term policy
   2. Rs. 500 for an annual multi trip policy

Also read - Who do i need to contact in case of grievance against apollo munich health insurance?