Apollo Munich Health Insurance

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Apollo Munich Company OverviewApollo Munich Health Insurance Company Ltd Overview:

Apollo Munich Health Insurance Company Ltd is a joint venture between one of the largest integrated healthcare providers across Asia, Apollo Hospitals, and the health business division of Germany-based Munich Re, Munich Health. Apollo Munich began operations in India in 2007, aiming at providing high-class healthcare services to the common man of the country. The company proposes a wide range of insurance products, specifically designed to meet the healthcare requirements of an individual.

Why Buy Apollo Munich Health InsuranceWhy Buy Apollo Munich Health Insurance Policy?

The increasing cost of medical treatment at the hospital has led to the increasing demand for health insurance plans. The existing lifestyle of an individual makes them more prone to diseases and illnesses, which further results in growing chances of one’s sickness. This is where Apollo Munich Health Insurance company ltd provides you an optimal solution. Fêted as one of the most trusted health insurers in Indian Insurance Sector, Apollo Munich offers a wide gamut of health insurance plans with many advantages and benefits to fit every budget and requirement. The company endeavors to make high-quality healthcare services easily accessible to every member and customer. In addition, the company also offers simple and clear policy wording in order to make the procedure transparent and convenient for policy seekers. It wouldn’t really be an exaggeration to say that Apollo Munich has made health insurance pretty simple for everyone, over the decades of its operations.

Benefits of Apollo Munich health insuranceAdvantages and Benefits of availing Apollo Munich health insurance plans:

Apollo Munich Health Insurance Company Ltd strives to become a trusted leader in the health insurance industry; it provides simple yet innovative solutions for health insurance. Apollo Munich provides a vast array of health insurance plans that caters to individuals, families, senior citizens, and corporate houses as well. The company’s motto is ‘Let’s uncomplicate’, which shows its focus on providing effective yet simple solutions for every healthcare need. It has even been awarded the title of ‘Health Insurance Company of the year’. Given below are the advantages of buying health insurance Policies from Apollo Munich:

  • The policyholder can choose from a wide range of sum insured options at affordable premiums, from Rs. 1 Lakh to Rs. 15 Lakh.
  • The company has a significant presence all over the country, which offers cashless service to policyholders at a range of multi-specialty hospitals. The company has specialized doctors who handle and efficiently take care of the claims throughout. 98% of the claims received by the company are settled within a span of 15 days.
  • The Apollo Munich Insurance company offers the facility of portability if the customer wishes to port their plans from other health insurance companies to Apollo Munich. Accumulated benefits are all integrated and carried forward without any hassles.
  • The premiums paid towards a health insurance policy are exempted from tax under section 80D of Income Tax Act, 1961.
  • Expenses incurred both before and after hospitalization are provided to customers.
  • Lifelong insurance renewal benefit
  • If there is a claim-free year, their basic sum insured will be raised by 50% with no extra charge. If the customer has a second, subsequent no-claim year then their basic sum insured is raised by 100%.
  • The policyholder will enjoy a Restore Benefit if the customer or his family member exhausts the sum insured during the year. The company will restore the full amount whenever a new illness is diagnosed at no extra paperwork and charges of any sort.

Apollo Munich Health Insurance PlansApollo Munich Health Insurance Plans: Eligibility & Premiums

Apollo Munich Health Insurance Plans Minimum Age at Entry Maximum age at Entry Minimum Sum Assured Maximum Sum Assured Waiting Period Renewability Hospitalization Expenses
Apolli Munich Optima Restore - The unbelievable health plan 5 years (newborn: 91 days subject to a parent getting insured) 65 years 3, 00,000 15, 00, 000 3 years (can be reduced to 1 year on continues renewals) Lifetime Pre: up to 60 days; Post: up to 180 days
Apollo Munich Energy - The Sweetest thing for people living with diabetes 18 years 65 years 2, 00, 000 10, 00,000 N/A Lifetime Pre: up to 30 days; Post: up to 60 days
Apollo Munich Easy Health - Our plan for young family 5 years (newborn: 91 days subject to a parent getting insured) 65 years 1, 00,000 50, 00,000 24 months for surgical procedures and 36 months for pre-existing diseases Lifelong Pre: up to 60 days; Post: up to 90 days
Apollo Munich Easy Health - Our premium plan 5 years (newborn: 91 days subject to a parent getting insured) 65 years 1, 00,000 50, 00,000 24 months for surgical procedures and 36 months for pre-existing diseases Lifelong Pre: up to 60 days; Post: up to 90 days
Apollo Munich Easy Health - Our most popular Plan 5 years (newborn: 91 days subject to a parent getting insured) 65 years 1, 00,000 50, 00,000 24 months for surgical procedures and 36 months for pre-existing diseases Lifelong Pre: up to 60 days; Post: up to 90 days
Apollo Munich Optima Cash - Daily hospital cash plan 5 years (newborn: 91 days subject to a parent getting insured) 65 years N/A* N/A* 48 months for pre-existing diseases (can be reduced to 1 year on continues renewals) Lifelong Cash amount payable on completion of 24 hours
Apollo Munich Optima Cash - A Top-up plan 5 years (newborn: 91 days subject to a parent getting insured) 65 years 5, 00,000 5, 00,000 48 months for pre-existing diseases (can be reduced to 1 year on continues renewals). 12 months for diseases like hernia, joint replacement, cataract etc. Lifetime Pre: up to 60 days; Post: up to 90 days
Apollo Munich Maxima - Our comprehensive plan that covers for the little illness too 5 years (newborn: 91 days subject to a parent getting insured) 65 years 3, 00,000 3, 00,000 48 months for pre-existing diseases (can be reduced to 1 year on continues renewals). Lifelong Pre: up to 30 days; Post: up to 60 days (can be increased to 60 and 90 days respectively
Apollo Munich Optima Super - Aggregate Top-up plan 5 years (newborn: 91 days subject to a parent getting insured 65 years 5, 00,000 10,00,000 48 months for pre-existing diseases (can be reduced to 1 year on continues renewals). Lifelong Pre: up to 60 days; Post: up to 90 days
Apollo Munich Optima Vital - The critical illness plan 18 years 65 years 1, 00,000 50, 00,000 (20, 00,000 if age>55 years) 48 months for pre-existing diseases (can be reduced to 1 year on continues renewals). Lifelong N/A


*There is no Sum Assured but daily hospital cash.

List of Apollo Munich health Insurance PoliciesList of Apollo Munich health Insurance Policies:

The Apollo Munich Health Insurance company Ltd proposes a wide range of health insurance plans. Below is the list:

  • Apollo Munich Optima Health Restore Insurance Plan
  • Apollo Munich Easy Health Premium Plan
  • Apollo Munich Optima Vital Insurance Plan
  • Apollo Munich Optima Senior Insurance Plan
  • Apollo Munich Optima Plus Insurance Plan
  • Apollo Munich Optima Cash Insurance Plan
  • Apollo Munich Easy Health Exclusive Insurance Plan
  • Apollo Munich Optima Super Insurance Plan
  • Apollo Munich Dengue Care Plan

Let us take a look at each of the plans in detail:

Apollo Munich Optima Health Restore InsuranceApollo Munich Optima Health Restore Insurance Plan

Apollo Munich Plan Entry Age Sum Insured Range Discount on premium Co-Payment Policy Term
Individual plan Minimum – 91 DaysMaximum - 65 years 3 Lakhs to 50 Lakhs 10 % for more than two members Not Available 1 to 2 Years
Family floater plan Adults- 18 years and 65 yearsChildren- 3 months and 25 year INR 3,00,000 to INR 50,00,000 All the members are covered under single premium Not Available 1 to 2 Years


A unique health insurance plan that automatically restores the basic sum insured to the customer in case it is exhausted during the course of the year. The Optima Health restore plan is available for both individual and family floater basis. These are the features of the plan:

  • Choice of treatment at any of the network hospitals across the country under cashless facility
  • Expenses incurred before and after medication covered for 60 and 90 days, respectively
  • Daycare procedures are covered that do not require 24 hours hospitalization
  • Domiciliary treatment is covered where the treatment is undertaken at home
  • Emergency ambulance charges up to Rs. 2000 are covered
  • Expenses incurred for the treatment of the organ donor during transplantation are covered
  • A lump sum amount is provided if the person opts to stay in a shared accommodation while being hospitalized
  • Automatic restoration of the basic sum insured if the customers’ basic insured is exhausted during the course of the year
  • There is a facility for E-opinion, which enables the insured to request for a second opinion from another medical practitioner and the insurer does provide the same.
  • There is a Multiplier Benefit in which for every claim-free year, the customer receives a bonus of 50%, accumulating up to 100%.

Apollo Munich Optima Restore Eligibility:

  • Insurance coverage is provided from the age of 5 to 65 years.
  • Insurance coverage to children is offered right from the fourth month if any of the parents is already covered
  • This Apollo Munich health Insurance plan has coverage of up to for the self, spouse, dependent children and dependent parents or parents-in-law

Apollo Munich Easy Health Premium PlaApollo Munich Easy Health Premium Plan

Apollo Munich Plan Entry Age Sum Assured Discount on premium Co-Payment Policy Term
Family Floater plan Children- 3 months to 25 yearsAdults- up to 65 years Rs. 4 Lakhs to Rs. 5 Lakhs Additional 7.5% discount for 2 Years Premium Not Available 1 to 2 Years


This health insurance plan covers expense relating to hospitalization without any sub-limits or co-pays. The features of the plan are as follows:

  • Sum insured option provided up to Rs. 50 Lakhs
  • Medical expenses in case of hospitalisation are covered
  • Choice of treatment at any of the network hospitals across the country under cashless facility
  • Expenses incurred before and after treatment at hospitals, covered for 60 and 90 days, respectively
  • Daycare procedures are covered that do not require 24 hours hospitalization
  • Domiciliary treatment is covered where the treatment is undertaken at home
  • Emergency ambulance charges up to Rs. 2000 are covered
  • Expenses incurred for the treatment of the organ donor during organ transplantation are covered
  • A lump sum amount is provided if the person opts to stay in a shared accommodation while being hospitalized
  • Expenses incurred for inpatient treatment under Unani, Ayurveda, Homeopathy, and Sidha are covered, as per AYUSH Benefit
  • After four claim-free years, a free comprehensive health check up is provided
  • There is an option of taking additional cover for critical illness. The sum assured for the critical illness ranges between 50 % and 100% of sum assured, which is subject to minimum 100,000 and a maximum of Rs. 10, 00,000.
  • This plan covers maternity expenses for before and after childbirth procedures
  • There is an option to cover the newborn baby from day one to 90 days
  • If an insured child is hospitalized then a lump sum amount is paid if an adult accompanies the child during the hospitalization
  • A Recovery Benefit of Rs. 10, 000 is provided if the hospitalization is for greater than 10 days

Apollo Munich Easy Health Premium Plan Eligibility:

  • Coverage is provided from the age of 5 to 65 years.
  • Coverage to children is offered right from the fourth month if any of the parents is already covered
  • This plan has coverage of up to for the self, spouse, dependent children and dependent parents or parents-in-law

Apollo Munich Optima Vital Insurance PlanApollo Munich Optima Vital Insurance Plan

Apollo Munich Plan Entry Age Sum Assured Discount on premium Waiting Period Policy Term
Individual plan 18 Years to 65 Years Rs. 1 Lakh to Rs. 50 Lakhs Discount of 7.5% is given whenever you go for a 2 year policy 30 days 1 to 2 Years


This is a top-up health insurance plan that pays a lump sum amount as the benefit for an identified critical illness that is mentioned in the list of 37 critical illnesses, or surgical procedures or medical events. The features of the plan are as follows:

  • Lump sum payment for 37 critical illnesses
  • Sum insured amount ranges from Rs. 1 Lakh to Rs. 50 Lakhs
  • There is a facility for E-opinion, which enables the insured to request for a second opinion from another medical practitioner and the insurer does provide the same.

Apollo Munich Optima Vital Insurance Plan Eligibility:

  • Coverage is provided from the age of 5 to 65 years.
  • Coverage to children is offered right from the fourth month if any of the parents is already covered
  • This Apollo Munich Health Insurance plan has coverage of up to for the self, spouse, dependent children and dependent parents

Apollo Munich Optima Senior InsuranceApollo Munich Optima Senior Insurance Plan

Apollo Munich Plan Entry Age Sum Assured Discount on premium Co-Payment Policy Term
Senior Citizen Plan 61 Years or above Rs. 2 Lakhs to Rs. 5 Lakhs Discount of 7.5% is given whenever you go for a 2 year policy 15% for twin sharing room.30% for single occupancy.30% for specified Illness or surgeries 15% for day care procedures 1 to 2 Years


A health plan designed for senior citizens who frequently require medical attention. The features are as follows:

  • Network Hospitals expenses are covered where the hospitalisation is for more than 24 hours
  • Pre and post hospitalisation expenses are included in coverage.
  • Daycare procedures are covered that do not require 24 hours hospitalization
  • Domiciliary treatment is covered where the treatment is undertaken at home
  • Emergency ambulance charges up to Rs. 2000 are covered
  • Expenses incurred for the treatment of the organ donor during transplantation are covered
  • There is a facility for E-opinion, which enables the insured to request for a second opinion from another medical practitioner and the insurer does provide the same.
  • Cumulative bonus and family discount of 5%

Apollo Munich Optima Senior Plan Eligibility:

  • Coverage is provided from the age of 61 years onwards
  • The self and spouse may be covered under the plan on an individual sum insured basis.

Apollo Munich Optima Plus Insurance Apollo Munich Optima Plus Insurance Plan

Apollo Munich Plan Entry Age Sum Assured Discount on premium Co-Payment Policy Term
IndividualPlan 5 Years (or 91 Days) to 65 Years Rs. 5 Lakhs Per Person Per Year Discount of 7.5% is given whenever you go for a 2 year policy Rs. 1 Lakh to Rs. 5 Lakhs 1 to 2 Years


This is a top-up health insurance plan that covers hospitalizations that result in high-cost treatment. The features of the plan are as follows:

  • Medical expenses in case of hospitalization are covered
  • Choice of treatment at any of the network hospitals across the country under cashless facility
  • Expenses incurred before and after treatment at hospitals, covered for 60 and 90 days, respectively
  • Daycare procedures are included in coverage that do not require 24 hours hospitalization
  • Domiciliary treatment is included in coverage where the treatment is undertaken at home
  • Emergency ambulance charges up to Rs. 2000 are covered
  • Expenses incurred for the treatment of the organ donor during organ transplantation are covered
  • There is a waiver of Deductible Benefit, which enables the customer to convert this plan to a comprehensive Indemnity Health Insurance Plan with no medicals or underwriting required, only at renewal between 58 to 60 years. This is on the condition that the insured person had enrolled under the policy before the age of 50 years and has renewed the plan continuously without a break

Apollo Munich Optima Plus Insurance Plan Eligibility:

  • Coverage is provided from the age of 5 to 65 years.
  • Coverage to children is offered right from the fourth month if any of the parents is already covered
  • This plan has coverage of up to for the self, spouse, dependent children and dependent parents

Apollo Munich Optima Cash Insurance PlanApollo Munich Optima Cash Insurance Plan

Apollo Munich Plan Entry Age Sum Insured Waiting Period Renewability Policy Term
IndividualPlan 5 Years to 65 Years Rs. 1000, Rs. 2000, Rs. 3000 on a daily basis 30 days Lifelong 1 to 2 Years


This Apollo Munich health insurance company Ltd plan provides for a specified amount every day for which the insured is hospitalized to take care of the family’s financial requirements. The features of the plan are as follows:

  • Sickness Hospital cash is provided in which a daily cash amount is paid for each continuous and completed period of 24 hours if the insured person is hospitalized for more than 24 hours, due to sickness.
  • Sickness ICU Cash is provided in which twice the daily amount is paid for each continuous and completed period of 24 hours if the insured person is hospitalized for more than 24 hours due to sickness.
  • Accidental Hospital cash is provided in which a daily cash amount is paid for each continuous and completed period of 24 hours if the insured person is hospitalized for more than 24 hours, due to an accident.
  • Accidental ICU Cash is provided in which twice the daily amount is paid for each continuous and completed period of 24 hours if the insured person is hospitalized for more than 24 hours, due to an accident.
  • Daycare procedure cash is provided if the insured undergoes any of the 10 identified daycare procedures that do not require 24 hours hospitalisation. The amount is 50% of the daily cash amount.
  • Twice the daily cash amount is provided for each continuous and completed 24 hours where two or more people are concurrently hospitalized due to an accident.
  • Convalescence cash is provided in the form of a lump sum amount if the insured person is hospitalized for more than 7 continuous days.
  • Under the platinum plan, a female who is insured will receive twice the daily sickness cash amount for maternity
  • If a child below 12, who is insured is hospitalized for more than 72 hours a daily cash amount for the parents’ accommodation will be provided.

Apollo Munich Optima Cash Insurance Plan Eligibility:

  • Coverage is provided from the age of 5 to 65 year.
  • Coverage to children is offered right from the fourth month if any of the parents is already covered
  • This Apollo Munich Health Insurance Policy has coverage of up to for the self, spouse, and dependent children

Apollo Munich Easy Health Exclusive InsuranceApollo Munich Easy Health Exclusive Insurance Plan

Apollo Munich Plan Entry Age Sum Assured Discount on premium Co-Payment Policy Term
IndividualPlan 5 Years (or 91 Days) to 65 Years 1 Lakh to 5 Lakh Discount of 7.5% is given whenever you go for a 2 year policy Not available under this plan 1 to 2 Years


This is a health plan that covers expense relating to hospitalization without any sub-limits or co-pays. The features of the plan are as follows:

  • Sum insured option provided up to Rs. 5 Lakhs
  • Medical expenses in case of hospitalization are covered
  • Choice of hospitalization at any of the network hospitals across the country under cashless facility
  • Expenses incurred before and after hospitalization covered for up to 60 and 90 days, respectively
  • Daycare procedures are covered that do not require 24 hours hospitalization
  • Domiciliary treatment is covered where the treatment is undertaken at home
  • Emergency ambulance charges up to Rs. 2000 are covered
  • Expenses incurred for the treatment of the organ donor during organ transplantation are covered
  • A lump sum amount is provided if the person opts to stay in a shared accommodation while being hospitalized
  • Expenses incurred for inpatient treatment under Unani, Ayurveda, Homeopathy, and Sidha are covered, as per AYUSH Benefit
  • After four claim-free years, a free comprehensive health check up is provided
  • There is an option of taking additional cover for critical illness. The sum insured for the critical illness ranges from 50% to 100% of the sum assured, subject to a minimum amount of Rs. 100,000 and a maximum of Rs. 10, 00,000.

Apollo Munich Easy Health Exclusive Insurance Eligibility:

  • Health Insurance coverage is provided from the age of 5 to 65 years.
  • Health insurance coverage to children is offered right from the fourth month if any of the parents is already covered
  • This plan has coverage of up to for the self, spouse, dependent children and dependent parents or parents-in-law

Apollo Munich Optima Super Insurance PlanApollo Munich Optima Super Insurance Plan

Apollo Munich Plan Entry Age Sum Assured Discount on premium Co-Payment Policy Term
Individual/FamilyPlan 5 Years (or 91 Days) to 65 Years Rs. 5 lakhs, Rs. 7 lakhs or Rs. 10 lakhs Discount of 7.5% is given whenever you go for a 2 year policy Rs. 1 lakh to Rs. 10 lakhs 1 to 2 Years


This is a top-up health insurance plan that offers varied sum insured and deductible combinations. The features of the plan are as follows:

  • Medical expenses in case of hospitalization are covered
  • Choice of hospitalization at any of the network hospitals across the country under cashless facility
  • Expenses incurred before and after hospitalization covered for 60 and 90 days, respectively
  • Daycare procedures are covered that do not require 24 hours hospitalization
  • Emergency ambulance charges up to Rs. 2000 are covered
  • Expenses incurred for the treatment of the organ donor during organ transplantation are covered
  • There is a waiver of Deductible Benefit in which enables the customer to convert this plan to a fully-fledged Indemnity Health Plan with no medicals or underwriting required, only at renewal between 55 to 60 years. This is on the condition that the insured person had enrolled under the policy before the age of 50 years and has renewed the plan continuously without a break

Apollo Munich Optima Super Insurance Plan Eligibility:

  • Coverage is provided from the age of 5 to 65 years.
  • Coverage to children is offered right from the fourth month if any of the parents is already covered
  • This plan has coverage of up to for the self, spouse, and two dependent children

Apollo Munich Dengue Care PlanApollo Munich Dengue Care Plan

Apollo Munich Plan Inpatient Treatment Pre-hospitalization Expenses Post-hospitalization Expenses Sum Assured Waiting Period
IndividualPlan In case of hospitalization for more than 24 hours Coverage for expenses incurred before 15 days of hospitalization Coverage for expenses incurred after 15 days of hospitalization Rs. 50,000 to Rs. 1 Lakh 15 Days


This Apollo Munich Health Insurance plan is a first of its kind where the medical expenses related to the treatment of dengue are covered.

  • Pre and post hospitalization expenses are covered
  • There is a Shared Accommodation Benefit if the insured person opts for a shared accommodation in a network hospital.
  • Outpatient consultations by a general medical practitioner for the treatment of dengue will be covered
  • Diagnostic tests taken for the detection of dengue will be covered
  • Medicines that are prescribed for the treatment of dengue will be covered
  • If necessary medical treatment is undertaken at home by the empanelled medical practitioner, those medical expenses will be covered

Apollo Munich Dengue Care plan Eligibility:

  • Coverage is provided from the age of three months to 65 years.
  • Coverage to children is offered right from the fourth month if any of the parents is already covered
  • This plan has coverage of up to for the self, spouse, dependent children, and dependent parents

Apollo Munich Insurance Premium CalculatorApollo Munich Insurance Premium Calculator:

The Apollo Munich Health Insurance Company enables you to calculate the premium payable for different health insurance plans from the company. Below-mentioned are a few instances where you can calculate the premium by using the health insurance premium calculator provided by the company:

  • A wants to apply for an Optima Restore Individual policy for himself for a value of Rs. 5 Lakhs. He is 30 years old and the annual premium comes out to be Rs. 7,404 for the said coverage.
  • B wants to buy a plan for himself and his newly married wife. He approaches Apollo Munich willing to cover himself and spouse for a total of Rs. 10 Lakhs. B is 32 years old and his wife is 30 years old. The premium to be paid for their Easy Health Standard health insurance plans comes to Rs.11, 830.
  • C a 45-year individual and needs health insurance for his family, including himself, his 43-years-old wife and 2 children - aged 12 and 7 years, respectively. The coverage required is Rs. 5 Lakh each and the premium payable is Rs. 22, 065.

The below table shows the above Apollo Munich health insurance premium for your quick reference:

Applicant Number of members covered Sum Assured (Rs.) Premium (with taxes) (Rs.)
A 1 5 Lakhs 7, 404
B 2 5 Lakhs 11, 830

C

4

20 Lakhs (5 Lakhs each)

22,065


Apollo Munich Health Insurance RenewabilityApollo Munich Health Insurance Plan Renewability

Plans offered by Apollo Munich Health Insurance company are lifelong renewable. This means that the insurance plans offered by Apollo Munich Health Insurance provide you financial protection and coverage for your whole life.

How to Apply for Apollo Munich Health Insurance Policies?How to Apply for Apollo Munich Health Insurance Policies?

Health insurance plans offered by the Apollo Munich health insurance company can be applied to through multiple channels like:

  • Individuals willing to availing a health insurance plan can directly call the company’s sales helpline at 1800 103 0555 and speak to the customer service representative.
  • They can provide their name, mobile number and email id on the website of the company and request for a callback
  • Alternatively, a customer may directly visit a branch of the company or get meet and agent personally to buy the plans required.

Apollo Munich Health Insurance FAQApollo Munich Health Insurance FAQ's

Q1: How long is Apollo Munich Health Insurance valid for?

Ans: Apollo Munich offers health insurance policies that are valid for 1 to 2 years, based on your choice. You can renew a policy annually.

Q2: Do I need to undergo pre-policy medical check-up?

Ans: Pre-policy medical check-up is not mandatory in all cases, whereas it is subject to your age. For instance, if you are in your 60s, then you may need to appear for such a check-up at the company’s designated clinics.

Q3: What types of medical expenses are covered by Apollo Munich Health Insurance?

Ans: All reasonable expenses underwent by the policyholder as advised by a medical practitioner during hospitalization subject to the maximum cap of the sum assured by the policy.

Q4: How do I claim or indemnify the medical benefits under Apollo Munich Health Insurance?

Ans: The policy allows you to indemnify or claim policy benefits as cashless hospitalization at any of the network hospitals or expense reimbursement after discharge from the hospital.

Q5: Can I avail cashless hospitalization across all hospitals?

Ans: No. You can avail cashless hospitalization at any of the hospitals mentioned in the list of network hospitals provided by the insurer. You can either plan your hospitalization or directly avail medical treatment in a medical emergency. Your TPA will take care of the formality at the hospitals as well as of the expenses incurred throughout the treatment.

Q6: Who is TPA of Apollo Munich Health Insurance?

Ans: Apollo Munich has an in-house claim settlement team for handling retail policies, whereas Family Health Plan Limited (FHPL) handles the claims of group plans.

Q7: What is a pre-existing disease or condition under Apollo Munich Health Insurance?

Ans: Any ailment, disease, injury or a related medical condition covered by Apollo Munich health insurance, which was detected or diagnosed at least 48 hours prior to purchasing the policy for the first time is considered as a pre-existing disease or illness.

Q8: How do I avail cashless benefit under Apollo Munich health insurance?

Ans: Go to a network hospital and display the health card issued by Apollo Munich to the treating doctor. The hospital will then contact the third-party administrator and fill up the pre-authorization form and send it to TPA for estimation of expenses. If the particular medical condition is listed in the policy documents under the coverage section, then you will get the approval for the treatment.

Q9: Will Apollo Munich bear all my medical expenses or will I have to pay a share of the bill?

Ans: Apollo Munich will bear only the medical bills expenses subject to the policy terms and not more than the sum assured by the policy. Any exceeding amount is to be borne by you, i.e. insured.

Q10: Should the claim and supporting documents submitted to TPA directly or Apollo Munich Health Insurance Company Ltd?

Ans: Apollo Munich health Insurance Claim form along with all supporting documents should be submitted to the TPA and not to the insurer. Your third-party administrator details are mentioned in your Apollo Munich health card as well as in the user guide.

You might be interested following insurance plans provided by Apollo Munich:

Apollo Munich Health Insurance NewsApollo Munich Health Insurance - Latest News

Apollo Munich Health Insurance launches ‘Critical Advantage Rider’ for offshore treatment

March 3, 2016: Apollo Munich Health Insurance has launched a critical illness rider called ‘Critical Advantage’, which covers the insured on cashless basis along with treatment for eight illnesses abroad and the travel and accommodation cost of one family member. Customers of Easy Health and Optima Restore health insurance policy with sum insured of Rs 10 lakh or more can purchase the critical advantage rider to mitigate specific ailment costs at medical facilities outside India.

Illnesses covered by the rider include neurosurgery, coronary artery bypass surgery, cancer, heart valve replacement and repair, pulmonary artery graft surgery, live donor organ transplant, bone marrow transplant and aorta graft surgery. The Critical Advantage Rider has two variants – $2.5 lakh (nearly Rs 1.5 crore) and $5 lakh (about Rs 3 crore). It is a cashless cover without any sub-limits and co-pay clause.

Apollo Munich Health Insurance Introduces ‘Critical Advantage’

Apollo Munich Health Insurance recently launched Critical Advantage, a critical illness rider that covers the cost of treatment of 8 illnesses in abroad along with the travel expense of one member of the family, including that of the patient.

The same goes under the cashless benefit. One can buy this rider along with Easy Health and Optima Restore plan with an annual premium ranging up to 10 lakhs or greater, aiming at getting covered the cost of treatment of specific illnesses that might incur during the treatment of an ailment in the abroad. The CEO at Apollo Munich Health Insurance, Antony Jacob stated we obviously look for the best treatment for our loved ones. The cost of such treatments along with the travel expenses become a big concern for us.

Critical Advantage rider offers you cashless cover with no co-pay clause to go abroad for the treatment. The insurer also provides assistance to the policyholder in choosing travel, accommodation, and treatment in abroad. If any second opinion is required, the rider covers that too.

Apollo Munich Partners with Leading Indian Banks

Apollo Munich Health Insurance is partnering with Axis Bank to offer a range of customized insurance plans that will comprise different value-added benefits like access to wellness portal, health advisory services, listing them as Health Eco System. Antony Jacob, Chief Executive Officer, Apollo Munich health Insurance, says that the company in collaboration with Axis Bank is going to design custom-tailored health insurance plans for the existing as well as prospective customers of the bank, based on their requirements.

These plans will be processed online to maintain the paperless environment and to reduce turnaround time. Besides Axis Bank, Apollo Munich insurance has similar collaboration with Citi, Indian Overseas Bank, and Canara Bank as well to market its health insurance products to an increasingly large number of customers.

First health policy to cover overseas treatment and travel expenses by Apollo Munich

Apollo Munich’s health policy will be the first health policy to provide insurance coverage for travel and cost incurred for the treatment of illness abroad. The company is all set to introduce Critical Advantage, which covers up to eight critical illnesses that can be treated abroad, and will also take care of the travelling expenses and accommodation expenses for the insured and a person accompanying the insured.

This benefit is available as a rider option with its Easy Health or Optima Restore policy of 10 lakh and above. Also, it is available for a sum assured of at least Rs 1.5 crore or Rs 3 crore. For a 35-year old the premium for the base policy along with this rider comes out to be nearly Rs 16,000. Apollo Munich Health Insurance Company’s CEO, Antony Jacob, said "While people have this fear of how to choose the best healthcare facility, they also wonder how to fund their travel cost."

Munich Re has bought further 23.27% shareholding in Apollo Munich Health Insurance Company

Munich Re, a German reinsurance company is buying further 23.27% shares in Apollo Munich Health Insurance from Apollo group of Hospitals which is its partner in the joint venture. The stake has been bought by the company for Rs. 1,63,00,00,000 and the transaction has brought the company at a value of Rs. 7,03,00,00,000.

After the successful completion of the deal, Munich Re will hold a stake of 48.75% in the joint venture, while Apollo Hospitals will be left with 51.1% and the remaining 0.15% with the employees. However, the transaction is projected to close by the end of the second quarter of 2016 as regulatory approvals are yet pending on the deal.

Also, with this deal, Apollo Munich Health Insurance has acquired nearly 8% share in the health insurance retail market and is providing cover to over 40 lakh people.

Apollo Munich Health Insurance Reviews

TOTAL REVIEWS (29)
Pramod
Lohara
October 20, 2016

Great Service

Apollo munich general insurance company is well known insurers. I have took health insurance plan from them which is really very nice and the services are the best which is given by the executives of the company.

Manoj
Deodar
October 05, 2016

In Budget With Big Benefits Plans

Really good health insurance, it comes in low budget and premium is also less. Service provided by apollo munich insurance company is quick and they work 24X7. Large number of hospitals provided great service which facilitates the ambulance services also for free.

Bharat
Muktsar
October 03, 2016

Have A Good Health Policy

Really have a very good one insurance policy from apollo munich general insurance company ltd. The policy covers maximum expenditure and the claims are easy to get due to fast service provided by the executives. Renewals are easy and updates are mailed regularly to my email address.

Tamanna
Panaji
September 28, 2016

Apollo Health Insurance

Apollo munich general insurance is the biggest platform for buy an amazing insurance policies. I took health insurance policy at very low price. Service given by you guys is superb at all the time. Policy coverage and claims are easy to get and the percentage is also high of the benefits.

Jyotsna
Hamirpur
August 30, 2016

"Good"

The apollo munich health insurance game the best service and it's terms and conditions are very flexible. Policy coverage is high approx. 90% and the claiming process is very easy because the executives and staff members facilitated good service.

Abhishek
Kutch_(bhuj)
August 26, 2016

Health is Wealth

My apollo munich health insurance policy is fantastic which give me many benefits. Policy premium is less and claims are high. This cover's maximum expenditures and the ambulance is provided for free of cost. Large number of hospitals makes easy and fast treatment.

Gaurav
Kherwara
August 23, 2016

Health Insurance

Finally got health insurance plan of my choice from apollo munich general insurance. The policy coverage is high and claiming is become more easy because of quick services given by the company executives and staff members.

Yamanpreet
Ahmedabad
May 24, 2016

Fantastic Policy

I purchase apollo munich health insurance plan. The policy coverage is high and premium is low. The claims are even better and easily sanctioned because of fast service facilitate by the executives and staff members. Ambulance is given for free of any charges. Good investment, I like the policy.

MUKESH
Mumbai
March 03, 2016

Claim rejection ratio very high

I request you to all customers, dont take this health insurance policy from Apollo Munich. They are always declined / reject your Claim in any case of reason. I was hospitalized more than 24hr in hospital because of bike accident, no reason to admit.

Raj
Delhi
February 25, 2016

Good Insurance Policy.

Apollo munich general insurance provides me great services in less installments. Coverage is huge ~95% and big number of hospitals are working with them. Claims are very easy to get due to there services. Great work guys.
Plan Name: OptimaRESTORE
Agent Code: BPW01119

Mr
Sonipat
February 25, 2016

Nice Policy Plan.

My frnd suggested me apollo munich health insurance plan and i took it without taking any time because the benefits are really very good. Claims,Policy coverage are high with low investments. Service is also quick.
Plan Name: Easy Health Individual Standard
Agent Code: BPW01119

Charu
Gurgaon
February 25, 2016

Average Policy Plan.

An average health insurance policy i have which is given by apollo munich general insurance. The service is bit slow with waiting in queue. Claims are normal with normal payback returns. Premiums are Rs.3999 thricely in a year.
Plan Name: OptimaRESTORE
Agent Code: BPW01119

Mr
Delhi
February 25, 2016

Awesome.

I own apollo munich health insurance. Policy coverage is high with low in premiums. Coverage is Rs.3 lakhs. Service is fast and even hospital send ambulance without taking any money. Good work whole team.
Plan Name: Easy Health Floater Exclusive
Agent Code: BPW01119

Harish
Bengaluru
February 25, 2016

Fantastic plan

My health insurance save my big bills last month which i took from apollo munich general insurance. All the bills and treatment is covered in the policy and even ambulance is for free of any charges. I really am happy.
Plan Name: OptimaRESTORE
Agent Code: BPW01119

Mr
Gurgaon
February 24, 2016

Nice Health Policy.

I own apollo munich health insurance policy plan which has low premiums and returns are high. Policy coverage is 80% and claims are Rs.3.2 lakhs. Ambulance is also there for free assistance. Nice policy.
Plan Name: OptimaRESTORE
Agent Code: BPW01119

Anil
Delhi
February 18, 2016

Average Policy.

My health policy plan has low premiums. The policy coverage is 80-90%. The claims are around Rs.2.7 lakh. Apollo munich general insurance has awesome services with on time facilities. Keep it up guys, i'm happy.
Plan Name: Easy Health Floater Standard
Agent Code: BPW01853

Mrs
Ghaziabad
February 18, 2016

Perfect Policy Plan.

I purchase policy plan of apollo munich general health insurance. The policy coverage is high with low premiums and claim is Rs.3 lakh. Ambulance is provided without taking any charges. Service is fast and number of hospitals are providing facilities.
Plan Name: OptimaRESTORE
Agent Code: BPW00177

Nikhil
Gurgaon
February 15, 2016

Nice Health Insurance.

My apollo munich health insurance plan is really very nice with great benefits. Premium is low with high policy coverage and claim is of fifty nine thousand. Ambulance is also provided without taking any charge.
Plan Name: OptimaRESTORE
Agent Code: BPW00750

SHYAM
Hyderabad
February 14, 2016

Health Care.

I have health insurance form last two years with apollo. Plan is good and service is super. Regular updates are mailed or texted to me. Premium is three thousand rupees, payback money is around four lakh. Overall, nice plan.
Plan Name: Easy Health Floater Standard
Agent Code: BPW00750

Rohidas
Mumbai
February 14, 2016

"Damn Good"

My health policy is with apollo munich. Policy is nice with premium of Rs.2500 per month. The policy cover full coverage of hospital bills. Claim is of Rs.3.1 with easily sanctioned without any paper work.
Plan Name: Easy Health Floater Standard
Agent Code: BPW00750

Syed
Meerut
February 13, 2016

"Standard health insurance"

The service is really nice rest is can't say because i don't have experience yet. Although it clear in future. Policy coverage is high with low premiums. Claim is Rs.4 lakh as shown in policy. Daily updates texted and mailed to me.
Plan Name: Easy Health Floater Standard
Agent Code: BPW00750

Ashish
Bengaluru
February 13, 2016

Good coverage.

Munich provides me health insurance with low premium benefit. Policy coverage is 90% of the treatment. Claim is high and the hospitals are very response each and every time. Great service, nice work, happy.
Plan Name: OptimaRESTORE
Agent Code: BPW00750

SUNITA
Bareilly
February 13, 2016

"Superb"

I have health insurance with apollo general. The plan i have is very beneficial with several plus point. The service is marvelous, claim is high and premium is low, policy coverage is 80-90% with ambulance facility. Nice work.
Plan Name: OptimaRESTORE
Agent Code: BPW00750

Umesh
Ludhiana
January 31, 2016

Good Plan

Last year, I had surgery at that point of time I don’t had any health insurance. So I planned to buy Apollo Munich Health Insurance as my family friend suggested. I have coverage of 27 lakh and it has good number of hospitals listed under the plan. I came to know that it does not cover pre-existing disease.

Saurabh
Delhi
January 23, 2016

good

good policy