HDFC ERGO Easy Health Individual Standard Plan

Easy Health Individual Standard Plan offers protection against unforeseen medical expenses. It is a comprehensive health insurance plan that covers the cost of medical treatment for certain diseases and in-patient hospitalization expenses including accidental cases. The sum insured is on an individual basis and there are various optional benefits for specific critical illnesses.

Eligibility Criteria

  • Anyone between the age group of 5 years and 65 years can buy this plan. The coverage is extendible to a dependent child who is more than 91days old (if both the parents are covered under the same plan)
  • The plan covers the insured and also the family members including the spouse, dependent parents, dependent children, grandparents, grandchildren, and parent-in-law are eligible to get coverage under this plan. There is a family discount ranging from 5 to 10 percent.
  • The plan covers a maximum of 6 members under a single plan. 4 adults can be insured under the individual policy, a maximum of 5 children can be covered under a single plan. 4 adults can be a combination of Spouse, self and either set of grandparents, parents or parents in law.
  • The renewal premium may vary as per your age or changes in the tax rate.
  • You can buy a 1 year or 2-year plan. You will get a 7.5% discount on the purchase of a 2-year plan

Inclusions of HDFC ERGO Easy Health Individual Standard Plan (formerly known as Apollo Munich Easy Health Individual Standard Plan)

  • In-Patient Hospitalization - Hospitalization expenses incurred on medical treatment requiring hospitalization more than 24 hrs.
  • Pre-hospitalization - Expenses incurred on medical treatment before 60 days of hospitalization
  • Post-hospitalization - Expenses incurred on medical treatment after 90 days of getting discharged from the hospital
  • Organ Donor - Organ donor treatment expenses during organ transplantation
  • Day-Care Procedures - Daycare medical procedures and surgeries that do not require 24 hours of hospitalization
  • Emergency Ambulance - Cost of emergency ambulance services up to Rs.2000
  • Domiciliary Treatment - The plan also covers the cost of medical treatment done at home where hospitalization is not possible
  • Daily Cash Allowance for Shared Accommodation - The insurer pays a lump sum amount if a shared room is taken in a network hospital
  • Health Check-up Facility - After 4 years of policy coverage the plan will cover comprehensive medical check-ups only once
  • Ayush Benefit - The plan also covers in-patient treatment expenses incurred on Ayurveda, Unani, Homeopathy and Sidha treatment.
  • Recovery Benefit - If hospitalization exceeds 10 days then there is a lump sum benefit of Rs. 10000 (the sum insured amount needs to be more than Rs. 15 lakh)
  • Stay Active Benefit - With this feature, HDFC ERGO Health (formerly known as Apollo Munich) encourages insured members to maintain a healthy lifestyle. There are various other discounts at the time of renewal. For details, you can check the policy wordings.

Optional Covers Available in HDFC ERGO Easy Health Individual Standard (formerly known as Apollo Munich Easy Health Individual Standard)

Critical Illness Cover

The sum insured for Critical Illness ranges from 50% or 100% of the basic sum insured up to a maximum of Rs. 1 lakh. You can opt for an additional cover for Critical Illness which covers for

  • First heart attack (myocardial infarction)
  • Cancer
  • Stroke
  • coronary artery (bypass) surgery
  • Kidney failure (end-stage renal disease)
  • Major organ transplantation
  • Paralysis
  • Multiple sclerosis

Critical Advantage Rider

This plan offers Critical Advantage Rider benefit for Sum Insured above Rs. 10 lakh. It is available to an individual or family but on individual Sum Insured basis. It allows worldwide coverage at the network hospitals for the listed 8 major illnesses:

  1. Neurosurgery
  2. Cancer
  3. Heart Valve surgery
  4. Live Donor Organ Transplant
  5. Coronary Artery by-pass surgery
  6. Bone Marrow Transplant
  7. Pulmonary artery graft surgery
  8. Aorta Graft Surgery

It covers the cost of healthcare services worldwide and also the travel costs for the policyholder and accompanying relative. It also offers compensation for a second medical opinion, accommodation expenses, and post-hospitalization expenses.

Others Benefits of HDFC ERGO Easy Health Individual Standard Plan (formerly known as Apollo Munich Easy Health Individual Standard Plan)

  • Cumulative Bonus - For every claim-free year you get a Cumulative Bonus (CB) of 10% which can be accumulated to 100% (CB will be reduced by 10% at the time renewal of the SI if a claim is made).
  • Enhancement of Sum Insured - Sum Insured can only be enhanced at the time of renewal if no claim was filed during the policy period. (Subjected to terms and conditions)
  • Cashless Treatment - For all the planned treatments the insured needs to obtain a pre-authorization at least 48 hours before the hospitalization. For emergency admission, the insured must regularize it within 24 hours of the hospitalization.
  • Portability - You can switch to HDFC ERGO Health (formerly known as Apollo Munich) even if you have health insurance from some other insurance company. Most of the accrued benefits are also carried forward.
  • Tax Benefits - The premium that you pay for Easy Health Individual Health Insurance Plan offers tax exemption benefits under Section 80D of the Income Tax Act.

Discounts Applicable in HDFC ERGO Easy Health Individual Standard Plan (formerly known as Apollo Munich Easy Health Individual Standard Plan)

The plan offers the following discounts to the insured/proposer:

  • If 2 members are covered under the same plan then there is a 5% family discount under Easy Health Individual Health Insurance Plan
  • If 3 or more members are covered under the same plan then there is a 10 % family discount.
  • 5% Discount on purchase of a 2-year plan

Exclusions of HDFC ERGO Easy Health Individual Standard (formerly known as Apollo Munich Easy Health Individual Standard)

The insurance company will invalidate your claim under the following circumstances:

  • Any illness that is diagnosed in the initial 30 days from the inception except for accidental injuries. Check policy wording for details.
  • Claim made for any pre-existing diseases before completion of 3 years waiting period
  • Congenital diseases
  • Weight control treatments
  • Specific ailments such as hernia, cataract, surgery of hydrocele, joint replacement surgeries, etc. which cannot be insured before two years
  • Any illness, injury or hospitalization arising due to war conditions
  • Cosmetic surgery
  • Treatment for HIV and AIDS
  • Mental disorder or insanity
  • Overdose of intoxicating drugs and alcohol
  • Perils related to war and war-conditions
  • Expenses incurred on dental surgeries, pregnancy, external aids, and appliances unless specifically covered

Please refer to the Policy Wording for the complete list of exclusions.

Written By: PolicyBazaar - Updated: 21 January 2020
Average Rating
(Based on 29 Reviews)
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HDFC ERGO Easy Health Individual Standard 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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