Apollo Energy Plan

Product Overview

Apollo Munich Energy Health Insurance is a unique plan for individuals suffering from Diabetes and Hypertension. It covers the in-patient hospitalization expenses arising due to these two diseases (Diabetes and Hypertension), without any waiting period. The plan also offers Wellness program services and health coaching to help you monitor and manage your health better.

Unique Features of Apollo Energy Plan

• Day one coverage for all hospitalisation arising out of Diabetes and Hypertension (No waiting period)
• 25 % Discount on Renewal Premium for management of health conditions.
• Day care coverage for 144 day care procedures
• Organ donor expenses covered

Critical features of Apollo Energy Plan

• Room rent:
  Limits imposed towards room and ICU rent expenses
  No Limit
• Co-Pay:
  Specific % of admissible claim amount to be borne by Insured

1. This Plan has 2 variants Silver and Gold.
2. Silver variants has 20% co-payment clause (but also have waiver options)
3. Gold variants has 20% co-payment clause (but also have waiver options)

• 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
  This plan does not have no claim benefit
• 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

1. No waiting period for Diabetes and Hypertension
2. This plans has a waiting period of 3 years for other pre-existing diseases

Eligibility Criteria

• Minimum Age of Entry:- 18 Years 
• Maximum age of Entry:- 65 Years
• Renewal Age:- Life Long Renewal
• Sum Insured:-
  Silver Plan- 2 Lakhs, 3 Lakhs, 5 lakhs, 10 Lakhs 
  Gold Plan- 2 Lakhs, 3 Lacs, 5 lacs, 10 Lacs
• Policy Tenure:- 1yr
• Premium Calculated on Basis of:- Age  (i.e. sum Insured Chosen)

Additional discounts

Wellness Discount-Upto 25 % discount as indicated in Wellness Programme on renewal premium for better management of health condition.

Waiting Period

• Covered from Day 1:
  Accidental Injuries, Diabetes and Hypertension.
• Covered after 30 Days:
  All incidences apart from specified surgeries, Permanent exclusion & Pre-existing diseases (if any)
• Covered after 2 Years:
  Waiting period for specific diseases like cataract, hernia, joint replacement surgeries, surgery of hydrocele etc.

Exclusions

Any claims arising out of or attributable to any of the following is not covered

• Any pre-existing condition (other than diabetes or hypertension) will be covered after a waiting period of 3 years
• 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
• 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 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

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