HDFC ERGO Health Insurance

HDFC ERGO Health Insurance

HDFC ERGO Health Insurance Limited (formerly known as Apollo Munich Health Insurance Company Limited) is a Joint Venture between HDFC Ltd and Munich Health. HDFC Ltd is India’s leading housing finance company of India based at Mumbai. Munich health is the primary health business division of leading reinsurer Munich Re based in Germany. Munich Health holds 49% stake while HDFC holds 51% stake, making HDFC Ltd, the major shareholder in the venture. The company is headquartered at Mumbai.

 

HDFC ERGO Health Insurance (formerly known as Apollo Munich Health Insurance) at a Glance:

Key Features

Highlights

Network Hospitals

10000+

Incurred Claim Ratio

62.47

Renewability

Lifelong

Waiting Period

3 years

Why Buy HDFC ERGO Health Insurance Policy (formerly known as Apollo Munich Health Insurance)?

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 HDFC ERGO Health Insurance Limited (formerly known as Apollo Munich Health Insurance Company Limited) provides you an optimal solution. Feted as one of the most trusted health insurers in Indian Insurance Sector, HDFC ERGO Health (formerly known as 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 HDFC ERGO Health (formerly known as Apollo Munich) has made health insurance pretty simple for everyone, over the decades of its operations.

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HDFC ERGO Health Insurance (formerly known as Apollo Munich Health Insurance) - Awards and Recognition:

HDFC ERGO Health Insurance (formerly known as Apollo Munich Health Insurance) has bagged a couple of awards in the past years.

  • 2015
    InfoSec Maestro Awards - 100 Top CISO (two times in a row)
    InfoSec Maestro Awards
    Health Insurance Provider Award
    Money Today and Financial Planning Corporation
     
  • 2014
    Health Insurance Provider Award
    Money Today and Financial Planning Corporation
    Marketer of the Year
    The Insurance India Summit & Awards 2014
    Health Insurance Provider Award
    Hero Cycle’s India Health and Wellness Awards 2014
    Innovation of the Year Award
    Asia Insurance Awards
    Product Innovation Award
    The Indian Insurance Awards by Fintelekt
    Health Insurance Company of the Year
    The Indian Insurance Awards by Fintelekt
    InfoSec Maestro Awards - 100 Top CISO
    InfoSec Maestro Awards
    Model Insurer Award 2014 - Risk Management Category
    Celent Model Insurer Asia
    Model Insurer Award 2014 - Risk Management Category
    Celent Model Insurer Asia
  • 2013
    Best Health Insurer Award
    Outlook Money
    Asia's Most Promising Brands and Leaders 2013
    World Consulting & Research Coporation
    The Technology Maturity Award
    The Indian Insurance Awards
    Top Green IT Enterprise
    A PC - Schneider
  • 2012
    Outlook Money Award
    Outlook Money
    Innovation Award
    Finnoviti
    Digiratti Award 2012
    Paul Writer

Advantages and Benefits of availing HDFC ERGO Health Insurance Plans (formerly known as Apollo Munich Health Insurance):

HDFC ERGO Health Insurance Limited (formerly known as Apollo Munich Health Insurance Company Limited) strives to become a trusted leader in the health insurance industry; it provides simple yet innovative solutions for health insurance. HDFC ERGO Health (formerly known as 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 HDFC ERGO Health (formerly known as 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 HDFC ERGO Health Insurance (formerly known as Apollo Munich Health Insurance Company) offers the facility of portability if the customer wishes to port their plans from other health insurance companies to HDFC ERGO Health (formerly known as Apollo Munich Health Insurance). 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 HDFC ERGO Health Insurance (formerly known as Apollo Munich Health 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.

HDFC ERGO Health Insurance Plans (formerly known as Apollo Munich Health Insurance) : Eligibility & Premiums

HDFC ERGO Health Insurance Plans (formerly known as Apollo Munich Health Insurance) Minimum Age at Entry Maximum age at Entry Minimum Sum Assured Maximum Sum Assured Waiting Period Renewability Hospitalization Expenses
HDFC ERGO Health Optima Restore (formerly known as Apollo Munich Optima Restore) - The unbelievable health plan 5 years (newborn: 91 days subject to a parent getting insured) 65 years 3, 00,000 50, 00,000 3 years (can be reduced to 1 year on continues renewals) Lifetime Pre: up to 60 days; Post: up to 180 days
HDFC ERGO Health Energy (formerly known as Apollo Munich Energy) - The Sweetest thing for people living with diabetes 18 years 65 years 2, 00, 000 50, 00,000 N/A Lifetime Pre: up to 30 days; Post: up to 60 days
HDFC ERGO Health Easy Health (formerly known as 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
HDFC ERGO Health Easy Health (formerly known as 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
HDFC ERGO Health Easy Health (formerly known as 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
HDFC ERGO Health Optima Cash (formerly known as 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
HDFC ERGO Health Optima Cash (formerly known as 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
HDFC ERGO Health Maxima (formerly known as 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
HDFC ERGO Health Optima Super (formerly known as 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
HDFC ERGO Health Optima Vital (formerly known as 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

List of Health Insurance Plans Offered by HDFC ERGO Health (formerly known as Apollo Munich):

The HDFC ERGO Health Insurance Limited (formerly known as Apollo Munich Health Insurance Company Limited) proposes a wide range of health insurance plans.

Following is the list of HDFC ERGO Health Plans (formerly known as Apollo Munich Health) with features and benefits.

  • HDFC ERGO Health Wallet  Plan (formerly known as Apollo Munich Health Wallet Plan)
  • HDFC ERGO Health Optima Restore  Plan (formerly known as Apollo Munich Health Optima Restore Plan)
  • HDFC ERGO Easy Health Premium Plan (formerly known as Apollo Munich Easy Health Premium Plan)
  • HDFC ERGO Optima Vital Health Insurance Plan (formerly known as Apollo Munich Optima Vital Health Insurance Plan)
  • HDFC ERGO Optima Senior Health Insurance Plan (formerly known as Apollo Munich Optima Senior Health Insurance Plan)
  • HDFC ERGO Optima Plus Health Insurance Plan (formerly known as Apollo Munich Optima Plus Health Insurance Plan)
  • HDFC ERGO Optima Cash Health Insurance Plan (formerly known as Apollo Munich Optima Cash Health Insurance Plan)
  • HDFC ERGO Easy Health Exclusive Insurance Plan (formerly known as Apollo Munich Easy Health Exclusive Insurance Plan)
  • HDFC ERGO Optima Super health Insurance Plan (formerly known as Apollo Munich Optima Super health Insurance Plan)
  • HDFC ERGO Dengue Care Plan (formerly known as Apollo Munich Dengue Care Plan)

Now let’s have an overview of each plan:

  • HDFC ERGO Health Wallet Individual Insurance (formerly known as Apollo Munich Health Wallet Individual Insurance)

    The HDFC ERGO Health wallet plan (formerly known as Apollo Munich health wallet plan) is an individual health insurance policy that offers coverage to both individuals and family members. This medical plan covers worldwide emergency care expenses, OPD expenses, daycare procedures, critical illnesses, and Ayush treatment expenses. Also, there is an option to pay up to 50 percent of the renewal premium without any co-payment clause. This reserve benefit keeps on increasing year after year. Any unused balance is carried forward to the upcoming year with a bonus of 6 percent under this benefit.

    The Health Wallet Individual Insurance policy by HDFC ERGO Health (formerly known as Apollo Munich Health) has some add-on benefits such as restore benefit, which reinstate the basic sum assured if the policyholder exhaust it in the term of the policy and multiplier benefit that rewards him/her for each claim free year automatically.

    Sum Insured Rs. 3 to Rs. 50 Lakh with Reserve Benefits
    Renewability Lifetime renewability
    No Claim Bonus Up to 50% every claim free year
    Day care procedures All day care treatments get covered
    Co Payment NA
  • HDFC ERGO Health Optima Restore  Plan (formerly known as Apollo Munich Health Optima Restore Plan)

    HDFC ERGO Health Plan (formerly known as Apollo Munich Health Insurance 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

    The HDFC ERGO Health Optima Restore Plan (formerly known as Apollo Munich Health Optima Restore Plan) is a unique health insurance policy that provides coverage on individual and family floater basis. The policyholder gets a 100% restoration of the basic sum insured on the first claim during the policy term. The sum assured is increased by 50% for every claim free year with No-claim-bonus.

    Below are some of the features of this medical 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%.
    HDFC ERGO Health Optima Restore Plan Eligibility (formerly known as Apollo Munich Health Optima Restore Plan 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 HDFC ERGO Health Insurance (formerly known as Apollo Munich Health Insurance) health Insurance plan has coverage of up to for the self, spouse, dependent children and dependent parents or parents-in-law
  • HDFC ERGO Easy Health Premium Plan (formerly known as Apollo Munich Easy Health Premium Plan)

    HDFC ERGO Health Plan (formerly known as Apollo Munich Health Insurance 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

    The HDFC ERGO Easy Health Premium Plan (formerly known as Apollo Munich Easy Health Premium Plan) is a comprehensive health insurance policy that covers an individual and his family members including spouse, children, parents and in-laws. The plan covers the cost of hospitalization, maternity expenses, Ayush treatment expenses, with critical illness rider benefits.

    Below are some of the features of this medical plan:

    • 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
    HDFC ERGO Easy Health Premium Plan Eligibility (formerly known as 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
  • HDFC ERGO Optima Vital Health Insurance Plan (formerly known as Apollo Munich Optima Vital Health Insurance Plan)

    HDFC ERGO Health Plan (formerly known as Apollo Munich Health Insurance 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
    The HDFC ERGO Optima Vital Health Insurance Plan (formerly known as Apollo Munich Optima Vital Health Insurance Plan) is a critical illness health insurance policy that covers the expense incurred on the treatment of the specified critical illnesses. The plan pays for the expenses that the policyholder has to pay for treatment on being diagnosed with a critical illness including the surgical procedures.
    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.

    HDFC ERGO Optima Vital Health Insurance Plan Eligibility (formerly known as Apollo Munich Optima Vital Health 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 HDFC ERGO Health Insurance Plan (formerly known as Apollo Munich Health Insurance Plan) has coverage of up to for the self, spouse, dependent children and dependent parents
  • HDFC ERGO Optima Senior Health Insurance Plan (formerly known as Apollo Munich Optima Senior Health Insurance Plan)

    HDFC ERGO Health Plan (formerly known as Apollo Munich Health Insurance 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

    The HDFC ERGO Optima Senior Health Insurance Plan (formerly known as Apollo Munich Optima Senior Health Insurance Plan) is a comprehensive health insurance policy that is designed for senior citizens who frequently require medical attention. The plan offers unique features like the Restore benefit under which the sum insured is automatically restored if it’s exhausted during the policy term. The sum insured is available in both individual and family floater basis.

    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%
    HDFC ERGO Optima Senior Health Insurance Plan Eligibility (formerly known as Apollo Munich Optima Senior Health Insurance 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.
  • HDFC ERGO Optima Plus Health Insurance Plan (formerly known as Apollo Munich Optima Plus Health Insurance Plan)

    HDFC ERGO Health Plan (formerly known as Apollo Munich Health Insurance 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

    The HDFC ERGO Optima Plus Health Insurance Plan (formerly known as Apollo Munich Optima Plus Health Insurance Plan) is a top up health insurance policy that covers higher hospitalization expenses at a nominal premium. It is a unique plan that can be converted to a fully-fledged health insurance plan on retirement with no deductibles. It covers expenses incurred on pre and post hospitalization, domiciliary treatment, daycare procedures, with a waiver of deductible benefit.

    Below are some of the features of this medical plan:

    • 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 HDFC ERGO Health Insurance (formally known as Apollo Munich Health Insurance) 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
    HDFC ERGO Optima Plus Health Insurance Plan Eligibility (formerly known as Apollo Munich Optima Plus Health 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
  • HDFC ERGO Optima Cash Health Insurance Plan (formerly known as Apollo Munich Optima Cash Health Insurance Plan)

    HDFC ERGO Health Plan (formerly known as Apollo Munich Health Insurance Plan) Entry Age Sum Insured Waiting Period Renewability Policy Term
    Individual Plan 5 Years to 65 Years Rs. 1000, Rs. 2000, Rs. 3000 on a daily basis 30 days Lifelong 1 to 2 Years

    The HDFC ERGO Optima Cash Health Insurance Plan (formerly known as Apollo Munich Optima Cash Health Insurance Plan) is a top up health insurance policy that offers daily cash benefit cover in case of hospitalization due to an accident or illness. The plan also pays for expenses incurred on day care procedures, parent's hospitalization, convalescence benefit, etc. This medical plan provides daily cash amount for every 24 hours of hospitalization. Moreover, it covers joint accidental hospitalization expenses for two or more insured members.

    Below are some of the features of this medical plan:
    • 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.
    HDFC ERGO Optima Cash Health Insurance Plan Eligibility (formerly known as Apollo Munich Optima Cash Health 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 HDFC ERGO Health Insurance (formally known as Apollo Munich Health Insurance) Policy has coverage of up to for the self, spouse, and dependent children
  • HDFC ERGO Easy Health Exclusive Insurance Plan (formerly known as Apollo Munich Easy Health Exclusive Insurance Plan)

    HDFC ERGO Health Plan (formerly known as Apollo Munich Health Insurance 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

    The HDFC ERGO Easy Health Exclusive Insurance Plan (formerly known as Apollo Munich Easy Health Exclusive Insurance Plan) offers coverage on family floater basis with optional cover for critical Illnesses. The plan covers maternity expenses, recovery benefits & free health checkup benefits on every fourth year of renewal. The hospitalization expenses are covered without any co-pays or sub-limits.

    Below are some of the features of this medical plan:

    • 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.
    HDFC ERGO Easy Health Exclusive Insurance Plan Eligibility (formerly known as Apollo Munich Easy Health Exclusive Insurance Plan 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
  • HDFC ERGO Optima Super health Insurance Plan (formerly known as Apollo Munich Optima Super health Insurance Plan)

    HDFC ERGO Health Plan (formerly known as Apollo Munich Health Insurance 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

    The HDFC ERGO Health Plan (formerly known as Apollo Munich Health Insurance Plan) is a cost-effective top-up health insurance policy that offers coverage to self, spouse and two dependent children. The coverage includes hospitalization expenses, maternity expenses, daycare procedures, and organ donor expenses. This plan also offers coverage to an individual already insured under a group medical plan, which is further convertible into a normal health policy upon retirement. Additionally, there are varied sum insured and deductible options.

    Below are some of the features of this medical insurance plan:

    • 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 Apollo Munich health insurance 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
    HDFC ERGO Health Plan Eligibility (formerly known as Apollo Munich Health 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
  • HDFC ERGO Dengue Care Plan (formerly known as Apollo Munich Dengue Care Plan)

    HDFC ERGO Health Plan (formerly known as Apollo Munich Health Insurance Plan) Inpatient Treatment Pre-hospitalization Expenses Post-hospitalization Expenses Sum Assured Waiting Period
    Individual Plan 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 HDFC ERGO Dengue Care Plan (formerly known as Apollo Munich Dengue Care 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

    HDFC ERGO Dengue Care Plan Eligibility (formerly known as 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 vs Max Bupa vs Star Comparison

HDFC ERGO Health Insurance Premium Calculator(formerly known as Apollo Munich Health Insurance Premium Calculator):

The HDFC ERGO Health Insurance Company (formerly known as 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 HDFC ERGO Health (formally known as 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 HDFC ERGO Health Insurance premium (formerly known as Apollo Munich Health Insurance)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

HDFC ERGO Health Insurance Renewal Process (formerly known as Apollo Munich Health Insurance)

All the health insurance policies offered by the HDFC ERGO Health (formerly known as Apollo Munich) provide an option of lifelong renewability. While talking about HDFC ERGO Health Insurance (formerly known as Apollo Munich Health Insurance) Renewal, 70 years is the maximum age. In the event of continuous renewal, the policy's waiting period reduces by a year. The sum insured is improved only while the renewal of the policy as long as the policyholder does not make claim.

You can make the HDFC ERGO Health Insurance (formerly known as Apollo Munich Health Insurance) Renewal payment 60 days before the expiry of date. Renewal premium is based on the age of the policyholder at the time of policy renewal. There will be a 30-days grace period within which you will have to make the payment & renew your HDFC ERGO Health Insurance policy (formerly known as Apollo Munich Health Insurance).

If you miss renewing your policy within the grace period, then you have to buy new HDFC ERGO Health Insurance policy (formerly known as Apollo Munich Health Insurance). You may lose all the advantages, which accrued during the preceding policy. While renewing, you can also opt for different health policy, add and remove dependents, can change the sum assured, remove or attach rider policy, and change the term of the policy.

Steps to Renew HDFC ERGO Health Insurance policy (formerly known as Apollo Munich Health Insurance):

You have to log into the official website of HDFC ERGO Health Insurance (formerly known as Apollo Munich Health Insurance) with your registered email ID and the password. You can also log in via the number of your policy. The health insurance policy consists of a policy number that changes every year on the renewal.

How to Apply for HDFC ERGO Health Insurance Policies (formerly known as Apollo Munich Health Insurance)?

Health insurance plans offered by the HDFC ERGO Health Insurance (formerly known as Apollo Munich Health Insurance) 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.

HDFC ERGO Health Insurance (formerly known as Apollo Munich Health Insurance) - FAQs

HDFC ERGO Health Insurance (formerly known as Apollo Munich Health Insurance) - Latest News

  • HDFC ERGO Health Insurance (formerly known as Apollo Munich Health Insurance) Rolls Out Health Wallet Plan Ad Campaign

    HDFC ERGO Health Insurance (formerly known as Apollo Munich Health Insurance) launched its latest ad spot for ‘#BeWinsured’ campaign to highlight its Health Wallet plan, launched under a fresh category ‘Winsure’.

    Farhan Akhtar, its brand ambassador, is starring in a TVC series. With this campaign, HDFC ERGO Health (formerly known as Apollo Munich) intends to highlight the benefits of its health plan that caters to the current insurance needs of the insurance buyers. Each 20-second TVC ends with the HDFC ERGO Health Insurance''s (formerly known as Apollo Munich Health Insurance) tag-line -‘When your health insurance pays for the unusual – you are not insured, you are winsured’.

    This campaign is conceptualized by Cheil and it will be aired across traditional mediums such as television, radio, and outdoor, as well as, the new media instruments such as Youtube, Twitter, Facebook, etc.

  • HDFC ERGO Health Insurance (formerly known as Apollo Munich Health Insurance) launches ‘Critical Advantage Rider’ for offshore treatment

    March 3, 2016: HDFC ERGO Health Insurance (formerly known as 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.

  • HDFC ERGO Health Insurance (formerly known as Apollo Munich Health Insurance) Introduces ‘Critical Advantage’

    HDFC ERGO Health Insurance (formerly known as 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 HDFC ERGO Health Insurance (formerly known as 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.

  • HDFC ERGO Health Insurance (formerly known as Apollo Munich Health Insurance) Partners with Leading Indian Banks

    HDFC ERGO Health Insurance (formerly known as 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, HDFC ERGO Health Insurance (formerly known as 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, HDFC ERGO Health Insurance (formerly known as Apollo Munich Health 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 HDFC ERGO Health Insurance (formerly known as Apollo Munich Health Insurance)

    HDFC ERGO Health Insurance's (formerly known as Apollo Munich Health Insurance) 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. HDFC ERGO Health Insurance (formerly known as 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 HDFC ERGO Health Insurance (formerly known as Apollo Munich Health Insurance)

    Munich Re, a German reinsurance company is buying further 23.27% shares in HDFC ERGO Health Insurance (formerly known as 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, HDFC ERGO Health Insurance (formerly known as Apollo Munich Health Insurance) has acquired nearly 8% share in the health insurance retail market and is providing cover to over 40 lakh people.

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Written By: PolicyBazaar - Updated: 23 March 2020
Average Rating
(Based on 29 Reviews)
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HDFC ERGO Health Insurance Reviews & Ratings
4.6 / 5 (Based on 29 Reviews)
(Showing Newest 15 reviews)
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

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