HDFC ERGO Easy Health Floater Exclusive Plan

HDFC ERGO Health (formerly known as Apollo Munich) is one of the renowned names in the Indian insurance sector, especially for health insurance. The insurer provides a range of insurance solutions to cater to the needs of different individuals. Among various health insurance policies offered by HDFC ERGO Health (formerly known as Apollo Munich), the Easy Health Floater Exclusive plan is quite popular due to its unique features.

Why do you need the HDFC ERGO Easy Health Floater Exclusive Plan (formerly known as Apollo Munich Easy Health Floater Exclusive Plan)?

Below are the reasons for you to consider this plan from HDFC ERGO Health (formerly known as Apollo Munich) while planning your finances:

  • This policy offers comprehensive coverage to a family under a single policy
  • Children from 91 days can be covered as well
  • Family discount to be availed up to 7.5%
  • A maximum of 6 members can be added to a single policy
  • The plan comes with maternity benefit, recovery benefit
  • Additional coverage to critical illnesses as well
  • Free health check-up in every fourth continuous renewal
  • Sum insured can be availed as floater basis for an extensive amount
  • Online health assessment is available with ‘Stay Health Package’ for sum insured Rs. 5 lakh or above

Benefits of HDFC ERGO Easy Health Floater Exclusive (formerly known as Apollo Munich Easy Health Floater Exclusive)

The benefits offered under HDFC ERGO Health Floater Exclusive plan (formerly known as Apollo Munich Health Floater Exclusive plan) include:

Coverage Sum Insured Options (in lakh)
3/4/5 7.5/10 15/20/25/50
In-patient Treatment Expense  Covered Covered Covered
Day Care Facility  Covered Covered Covered
Pre-hospitalisation expense  Covered Covered Covered
Post-hospitalisation expense  Covered Covered Covered
Domiciliary Treatment  Covered Covered Covered
Ambulance Fee                    Up to a limit of Rs. 2000 (per hospitalisation)
Ayush Benefit  Rs.25,000 Rs. 25,000 Rs. 50,000
Daily cash for opting a shared accommodation  Maximum Rs. 3000 Rs. 4800 Rs. 6000 (maximum), Rs. 1000 per day
Daily Cash for accompanying a child that is insured Maximum Rs. 9000 Maximum Rs. 15,000 Maximum Rs. 24,000
Newborn Baby Additional cover on payment of extra premium
Recovery Benefit Not covered Rs. 10,000 (>10 days ofhospitalisation)
EmergencyAir Ambulance NA Up to Rs. 2,50,000
Critical Illness Rider Optional benefit, where 50% or 100% of in-patient sum insured for covering critical illness is offered
Health Check-up 1% of sum insured payable every contentious three claim-free year
Critical Advantage Rider Available only with a sum insured (SI) Rs. 10 lakhs or above

 

Key Features of HDFC ERGO Easy Health Exclusive Plan (formerly known as Apollo Munich Easy Health Exclusive Plan)

The below features make the policy unique from the others. These include:

  • Under Restoration Benefit in case the basic sum insured is exhausted, the policy will be renewed automatically to the defined SI.
  • Newborn baby cover from day 1 to 91 days
  • Maternity benefit covering before and after childbirth
  • Aysh Treatment cover for expenses incurred due to in-patient treatment in Ayurveda, Unani, Sidha, homeopathy etc.
  • Stay Active package to motive fitness and healthy lifestyle
  • Pre hospitalisation expense cover for 60 days
  • Post-hospitalisation expense cover for 90 days
  • Day-care procedure cover
  • Emergency Air Ambulance cover

HDFC ERGO Easy Health Floater Exclusive Plan (formerly known as Apollo Munich Easy Health Floater Exclusive Plan) Inclusions

The benefits or coverage of HDFC ERGO Easy Health Floater Exclusive Plan (formerly known as Apollo Munich Easy Health Floater Exclusive Plan) include:

Category Plan Benefits
Sum Insured Options Rs. 2 lakh-50 lakh
In-patient hospitalisation Hospitalisation expenses cover for room rent, nursing expenses, ICU charge, doctor’s consultation fee, OT charges, medicine costs, laboratory fee and so on
Pre-hospitalisation Cover 60 days
Post-hospitalisation 90 days
Day-care Procedure Available for treating certain illnesses that don’t require 24 hours hospitalisation such as dialysis, cataract, chemotherapy, tonsillectomy etc.
Domiciliary Hospitalisation Cover the expenses incurred due to availing treatment at home after discharge, which would have otherwise required hospitalisation
Ambulance fee Maximum Rs. 2000
Organ donor cover Available
Restoration of Sum Insured Available
NCB Benefit 10% for each claim-free year
Health Check-up Benefit Once in every three claim-free year
Recovery Benefit Rs. 10,000 in case of hospitalisation more than 10 days

 

Value Added Benefits

Apart from the aforementioned benefits, this policy comes with additional benefits as well:

No Claim Bonus

No Claim Bonus of 10% is offered for every claim-free year accumulating up to a maximum of 100%. However, if the policy is claimed, NCB will be reduced by 10%.

Cashless Service at Network Hospitals

By approaching any of the network hospitals off HDFC ERGO Health (formerly known as Apollo Munich) across India, you can avail cashless services in the hour of need. For availing cashless hospitalization facility you’ll require a pre-authorisation letter from the insurer. Moreover, the insurer needs to be informed 48 hours prior in case of planned hospitalisation, and within  24-hours post the admission in case of emergency hospitalisation,

Enhancement of Basic Sum Insured

 At any point in time, if you feel your policy sum insured insufficient to meet your requirements, you can enhance it. However, sum insured enhancement can be possible only at the time of policy renewal, subject to no claim history during the period. If the increase is more than one grid up, a medical test is required. A fresh waiting period will also be applied.

Portability

HDFC ERGO Health (formerly known as Apollo Munich) offers easy and hassle-free portability where you can switch your existing policy to HDFC ERGO Health (formerly known as Apollo Munich). This is possible at the time of renewal, which ensure the accrued benefits with the existing insurer will remain unaffected.

Tax Benefits

With the Easy Health Floater Exclusive Plan, you can earn tax benefits under Section 80D of the Income Tax Act. The premiums paid towards this health insurance are exempted from a tax deduction.

Exclusions of HDFC ERGO Easy Health Floater Exclusive Plan (formerly known as Apollo Munich Easy Health Floater Exclusive Plan)

The policy remains inactive in case of the following situations:

  • No claim is entertained by the insurance provider which is raised within the initial 30 days of the policy. However, accidental claim is always a exception .
  • Pre-existing illnesses are only can be covered after serving a waiting period of 3 years.
  • Expenses of treating AIDS.HIV or other sexually transmitted diseases (STD)
  • Mental disorder, congenital disease, expenses of cosmetic surgery, weight loss programme etc. are excluded
  • Injury leading to hospitalization owing to war or war-like situation, use of a nuclear weapon, civil commotion, riot etc.
  • Injury or accident due to the consumption of intoxicating substances, alcohol or drugs
  • Specific illnesses like Cataract, joint replacement, Hernia, will be covered after serving 2 years of the waiting period
  • Expenses of the items used for personal comfort and convenience

Eligibility Criteria

Minimum Entry Age
  • 5 years        
  • Dependent Child- 91stday (if any of the parents is covered)
Maximum Entry Age 65 years
Policy Tenure ½ year
Members to be Covered 2 adults and a maximum of 5 children can be added to a single policy
Premium Based as per the age of the eldest member (floater cover)

 

HDFC ERGO Easy Health Floater Exclusive Claim (formerly known as Apollo Munich Easy Health Floater Exclusive Claim) Process

Like any other health insurance of HDFC ERGO Health (formerly known as Apollo Munich), the family floater exclusive plan can be claimed in two ways-cashless and reimbursement claim. In a cashless claim, free health services can be availed where the hospital bills are directly settled by the insurer. On the other hand, in case of a reimbursement claim, the medical bills are to be paid by the insurer initially and later a claim needs to be registered under the reimbursement category. To claim your insurance

  • Immediately inform the insurer. If it is a planned hospitalisation then notify them at least 48 hours prior to the hospitalisation. You should inform the insurer within 24 hours, in case of emergency hospitalisation.
  • A pre-authorisation is required in case of a cashless claim, seeking permission from the insurer.
  • If the insurer approves your request, you can avail treatment free of cost. If not pay the bills initially and register a claim thereafter.
  • To claim under the reimbursement category, you will need to submit the original bills along with other relevant documents
  • The insurer will verify the case and settle the claim by paying up to an admissible amount.

What’re the Documents Required for Claim Settlement?

To claim HDFC ERGO Easy Health Floater Exclusive plan (formerly known as Apollo Munich Easy Health Floater Exclusive plan) you’ll require to submit:

  • Duly filled and signed claim form
  • Discharge certificate
  • Police FIR if it is an accidental claim
  • A filled Pre-authorisation signed by the treating doctor
  • Medical report on the nature of the illness duly signed by the doctor
  • Original bills of medicines
  • Original hospital bill and receipts

HDFC ERGO Easy Health Floater Exclusive Plan (formerly known as Apollo Munich Easy Health Floater Exclusive Plan) Renewal Process:

Renewing health insurance with HDFC ERGO Health (formerly known as Apollo Munich) is convenient and hassle-free. To renew your existing plan visit the official website of HDFC ERGO Health (formerly known as Apollo Munich)

  • Go to the ‘policy renewal’ option
  • Login with the registered ID and Password or with the policy number
  • Provide necessary information
  • Calculate the premium and pay it online through credit/debit card or net banking

The renewal terms of this plan include:

  • Easy Health Floater Exclusive Policy comes with lifelong renewability. So, there is no policy ceasing age
  • 30 days grace period is offered in case the actual renewal date is missed
  • On every renewal, the applicable waiting periods get reduced by 1 year
  • Premiums at the time of renewal are subject to change as per the prior approval of IRDA. However, the insured has to be informed in advance (usually 3 months at least) in case of any change in this regard.

How to Buy HDFC ERGO Easy Health Floater Exclusive Plan (formerly known as Apollo Munich Easy Health Floater Exclusive Plan) Online

Buying HDFC ERGO health floater exclusive plan (formerly known as Apollo Munich health floater exclusive plan) is easy. You can choose to buy online as well which not only saves your time but also money. Online insurance offers a policy comparison facility where you can compare different policies and can pick the best one that suits your budget and requirement. You can compare the plans with HDFC ERGO Floater Exclusive plan (formerly known as Apollo Munich Floater Exclusive plan) as well and buy after being fully satisfied with the research. In order to buy online

  • Visit the official website of the insurer
  • Brose over the different types of health insurance policies available
  • Select the one you prefer and compare with the others
  • Go to the ‘Buy now’ option
  • Pay the premiums online through credit/debit card or using net banking

Documents Required for Buying HDFC ERGO Easy Health Floater Exclusive Plan (formerly known as Apollo Munich Easy Health Floater Exclusive Plan)

To buy HDFC ERGO Easy Health Floater Exclusive plan (formerly known as Apollo Munich Easy Health Floater Exclusive plan), the following documents need to be furnished:

  • Age proof: Adhaar Card, PAN Card, Passport, birth certificate etc.
  • Identity proof: Passport, Voter’s ID, Adhaar Card, PAN Card etc.
  • Income Proof: Employment certificate, Salary slip, Form 16
  • Address Proof: Bank account statement, utility bill, Driving License, Passport, Voter’s ID
  • Medical Test report if requires
  • Passport size photographs
Written By: PolicyBazaar - Updated: 21 January 2020
Average Rating
(Based on 29 Reviews)
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HDFC ERGO Easy Health Floater Exclusive Plan 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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