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Product Overview

Apollo Munich-Easy Health Premium Insurance Plan covers inpatient hospitalization expenses incurred due to illness or accident. This plan also covers Maternity expenses, Outpatient dental treatments, cost of spectacles, contact lens and hearing aids.

Unique Features of Apollo Munich Easy Health Premium 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).
  • Maternity, Recovery & Ayush (Ayurveda, Unani, Sidha and Homeopathy) benefits available.
  • Waiting period for pre-existing disease is 3 years.
  • Pre & Post hospitalisation expenses are covered upto 60 & 90 days.
  • Daily cash if treatment is availed at shared accommodation & accompanying child.
  • Health Risk Assessment & Healthline services
  • This plan has no co-payment clause.
  • Out patient dental treatment along with cost of Spectacles, Contact lens & Hearing Aid.

OneInsure App Benefits

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Critical features of Apollo Munich Easy Health Premium 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:- 4 Lacs to 50 Lacs
  • 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 2 years 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 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

Know More

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Tab 2

2 burgers per month

burger₹ 700
Your yearly cost on fast food = roughly ₹ 8,400
price
Cost of Health Insurance for whole family with ₹ 5 lakhs cover!

Tab 3

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