Robinhood Insurance Broker Private Limited

Apollo Munich Personal Accident Plan

Apollo Munich
Health Insurance

Apollo Munich Health Insurance is collaboration between Apollo Hospitals Group, one of the biggest chains of hospital in India and Munich Health, a global leader in health insurance. The company offers tailor made products keeping the needs of the customer in mind. Apollo Munich offers healthcare, travel and personal accident insurance plans.

Contact Details

Toll Free line: 1800-102-0333
E-mail: customerservice@apollomunichinsurance.com

Product Overview of Apollo Munich Personal Accident Plan

This policy offers compensation in case of death or bodily injury to the insured person, directly and solely as a result of an accident, by external, visible and violent means.

Unique Features of Apollo Munich Personal Accident Plan

Broken bones - A lump sum payment would be made as per scale provided in the policy, in the event of fracture of bone due to an accident.

Education Fund - If a claim under AD or PTD is accepted for an insured person, we will pay 50% of sum insured per dependent child (up to maximum of two children).

Emergency ambulance - Ambulance Expenses incurred to transfer the insured person to the nearest hospital due to an emergency caused by an accident.

Transportation of Mortal Remains - Expenses incurred on transporting the mortal remains of the insured person to the nearest hospital due to an accident or to his residence or from the hospital and/or to a cremation or burial ground.

Purchase of blood - In the event if we have accepted a claim under AD, PTD, PPD or TTD, then we shall reimburse expenses incurred for purchasing blood through a hospital or lawful blood bank.

Transportation of imported medicines - In the event if we have accepted a claim under AD, PTD, PPD or TTD, then we shall reimburse expenses incurred as freight charges for importing medicines to india.

Eligibility Criteria for Apollo Munich Personal Accident Plan

CategorySecure Personal Accident
Age Group Min Entry Age: 91 Days Max Entry Age: 65 Years
Renewal Age Life Long Renewal
Sum Insured Standard - 1 Lac, 2 Lacs, 3 Lacs, 5 Lacs, 7.5 Lacs, 10 Lacs, 25 Lacs and 50 Lacs
Premium - 5 Lacs, 10 Lacs, 15 Lacs, 25 Lacs, 50 Lacs, 1 Cr, 2 Cr and 5 Cr
(Rs. 5 Lacs restricted for age of 70 years and above)
Policy Tenure 1 Year 
Family Definition Individual & Family - (Self - 10 times of total annual income), (Spouse & parents - 50% of the proposer's accidental death SI, Max Rs. 50 Lacs), (Children - 25% of the proposer's accidental death SI, Max Rs. 10 Lacs)

Product Benefits of Apollo Munich Personal Accident Plan

BenefitsStandardPremium
Accidental Death (AD) 100% of Sum Insured
Permanent Total Disability (PTD) AD Sum Insured
Permanent Partial Disability (PPD) AD Sum Insured
Emergency Ambulance Charges Rs. 2000 Rs. 2000
Family Transportation 1 % of AD Sum Insured 1 % of AD Sum Insured; maximum Rs. 1,00,000
Transportation of Mortal Remains 2 % of AD Sum Insured;
maximum Rs. 10,000
Rs. 10,000
Education Fund 10 % of AD Sum Insured;
maximum Rs. 20,000
Rs. 20,000
Temporary Total Disablement [TTD] 100% of AD Sum Insured;
maximum Rs. 5,00,000
100% of AD Sum Insured;
maximum Rs. 15,00,000
Accident Medical Expenses 10% of AD Sum Insured;
maximum 50,000
Not Covered
Broken Bones Not Covered Rs. 1,00,000
Transportation of Imported Medicine Not Covered Rs. 20,000
Purchase of Blood Not Covered Rs. 10,000
Modification of Residence/Vehicle Not Covered 10% of AD Sum Insured;
maximum Rs. 1,00,000
Accident Hospitalisation (In-patient) Not Covered Rs. 1,00,000

Add-ons for Apollo Munich Personal Accident Plan

Not Available

Additional discounts for Apollo Munich Personal Accident Plan

DiscountDescription
Family Discount 10 % Family Discount will be available if 2 or more members are covered under the policy

Exclusion in Apollo Munich Personal Accident Plan

Accidental Bodily Injury that you meet with or arises out of:

  • Self-inflicted injury, suicide or attempted suicide or abuse of intoxicants or hallucinogens including drugs and alcohol.
  • Participation or involvement in naval, military or air-force operations, racing, diving, aviation, rock or mountain climbing, any breach of law with criminal intent.
  • War or any act of war, act of foreign enemy, public defense, rebellion, revolution, insurrection, military or usurped acts, chemical, radioactive or nuclear contamination.
  • Pregnancy or childbirth or its complications, congenital internal & external diseases, HIV/AIDS, sexually transmitted diseases, Pre-existing conditions & their complications, etc.
  • Pre-existing conditions & their complications
Please refer the policy Terms & Conditions for a detailed list of exclusions.

Claim Process for Apollo Munich Personal Accident Plan

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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