Apollo Munich Easy Health Insurance Family Floater Plan

*Please note that the quotes shown will be from our partners

Overview:

Easy Health Family floater Plan not only covers from unforeseen emergency expenses but also includes medical treatment of illnesses and accidents requiring hospitalisation. The plan offers coverage on floater sum insured basis & also offers an added optional cover for listed critical illnesses.

Apollo Munich Easy Health Insurance Family Floater Plan Eligibility Criteria:

  • Minimum- 5 years, max- 65 years (dependent child can be covered from the 91st day if either parent is covered under this policy).
  • Available on an individual sum insured basis.

Apollo Munich Easy Health Insurance Family Floater Plan Details:

  • You and your family members (spouse, dependent children, dependent parents, parent-in-law, grandparents and grandchildren) can be covered.
  • Discount of 5% if 2 family members are covered and family discount of 10% if 3 or more family members are covered under the same policy.
  • Maximum of 6 members in a  single policy.
  • Premium at renewal may change due to a change in age or change in the tax rate.
  • Policy period of 1 or 2 years (7.5% discount for a 2 year policy).

Apollo Munich Easy Health Insurance Family Floater Plan Benefits:

  • In-Patient Hospitalisation –It covers if the hospitalisation is more than 24 hours.
  • Pre-Hospitalisation – It covers medical expenses that you incur during 60 days prior to hospitalization.
  • Post-Hospitalisation - We cover your expenses you incur in the 90 days immediately after release from the hospital
  • Day-Care Procedures - We cover you even when you are not in the hospital but at the ease of your home (144 day-care procedures) and domiciliary treatment.
  • Organ Donor - We cover you and your saviour.
  • Emergency Ambulance - Expenses incurred if ambulance service is used on the way to hospital for hospitalization (up to Rs. 2000).
  • Maternity Expenses – Expenses before and after child birth procedures.
  • Ayush Benefit - Expenses for in-patient treatment taken under Ayurveda, Unani, Sidha and Homeopathy.
  • Outpatient Dental Treatment - Covers expenses incurred for any dental treatments (waiting period of 3 years).
  • Recovery Benefit - Lump sum benefit of Rs. 10000, if hospitalisation is for more than 10 days (Sum insured 15 Lacs & above).
  • Health Check-up – Expenses for health check-up (medical tests only once at the end of a 2 continuous policy years)
  • E-opinion in Case of Critical Illness – Consultation with doctor who at Apollo Munich panel (One opinion per policy year).
  • Additional Cover for Critical Illness (optional) - The sum insured for Critical Illness are 50% or 100% of basic sum insured subject to minimum of Rs. 100,000 & maximum Rs. 10, 00,000.

Additional benefits:

  • Cumulative Bonus - CB of 10% for every claim-free year up to  a maximum of 100% (in the event of a claim, CB will be reduced by 10% of SI on the next renewal.
  • Cashless Service
  • Sum Insured Enhancement –
    • Can be enhanced at the time of renewal
    • The amount of increase shall be at the discretion of the company.
    • Portability – Easy transfer from other company’s health insurance alongwith transfer of waiting period and accrued benefits.
    • Tax Benefits - Avail tax benefits for the premium amount under Section 80D of the Income Tax Act.

In the hectic schedule of your life, the company helps you by setting up a perfect work life balance.

  • Online health assessment.
  • Expert opinion on diet, exercise and yoga.
  • E- Storage facilities to store medical reports and other documents and access it anytime, anywhere.
  • Timely and customized offers & discounts on heath products & services.
  • Alerts to remind you of check-ups and appointments.
  • Exclusive health newsletter & helpline services.

Apollo Munich Easy Health Insurance Family Floater Renewal Policy:

  • Lifelong renewability:  No maximum cover ceasing age in this policy
  • Grace Period of 30 days for renewal.
  • Waiting periods as mentioned in the policy wording gets reduced by 1 year on every continuous renewal of your Maxima Insurance policy.
  • Any change in benefits or premium (other than due to change in age) will be done with the approval of the IRDA and will be intimated at least 3 months in advance.

Exclusions:

  • All treatments within the first 30 days of cover excluding accidental injury. Pre-existing condition is covered after a waiting period of 3 years and it includes specific diseases like cataract, hernia, joint replacement surgeries, surgery of hydrocele etc. a waiting period of 2 years.
  • Expenses arising from HIV or AIDS and related diseases/Congenital diseases, mental disorder or insanity, cosmetic surgery and weight control treatments.
  • Hospitalization due to war/related situations.
  • Pregnancy, dental treatment, external aids and appliances.
  • Experimental, investigative and unproven treatment devices and pharmacological regimens.

Free Look Period:

15 days from the date of receipt of the Policy document to review the terms and conditions of this Policy. In case of any objections to any of the terms and conditions, an option is available to cancel the Policy. Due refunds and allowances are given.

Apollo Munich Easy Health Insurance Family Floater Plan Premium details:

FLOATER(1A+1C):

Age Band

2 Lakhs

3 Lakhs

4 Lakhs

5 Lakhs

 

 

18-35

4,278

5,181

6,424

7,046

 

 

36-45

4,615

5,616

6,963

7,637

 

 

46-50

6,384

7,813

9,688

10,626

 

 

51-55

7,876

9,665

11,984

13,144

 

 

56-60

9,854

12,134

15,046

16,502

 

 

61-65

66-70

13,228

17,807

16,352

22,076

20,277

27,374

22,239

30,023

 

 
 

71-75

21,269

26,403

32,740

35,908

 

 

76-80

25,288

31,427

38,970

42,741

 

 

>80

28,906

35,949

44,577

48,891

 

 

 

FLOATER(1A+2C):

Age Band

2 Lakhs

3 Lakhs

 

4 Lakhs

5 Lakhs

18-35

5,609

6,678

 

8,281

9,083

36-45

5,838

6,992

 

8,670

9,509

46-50

7,715

9,311

 

11,545

12,662

51-55

9,314

11,283

 

13,991

15,345

56-60

11,320

13,783

 

17,091

18,745

 

61-65

14,694

18,001

 

22,321

24,481

66-70

19,273

23,725

 

29,419

32,266

71-75

22,735

28,052

 

34,785

38,151

76-80

26,754

33,076

 

41,015

44,984

>80

30,372

37,598

 

46,622

51,133

 

FLOATER(1A+3C):

Age Band

2 Lakhs

3 Lakhs

4 Lakhs

5 Lakhs

 

18-35

7,206

7,510

9,313

10,214

 

36-45

7,307

7,757

9,619

10,549

 

46-50

9,312

10,143

12,577

13,794

 

51-55

11,041

12,183

15,106

16,568

 

56-60

13,078

14,699

18,227

19,991

 
 

61-65

16,453

18,917

23,457

25,727

 

66-70

21,032

24,641

30,555

33,512

 

71-75

24,494

28,968

35,921

39,397

 

76-80

28,513

33,992

42,150

46,230

 

>80

32,130

38,514

47,757

52,379

 

 

FLOATER(2A+0C):

Age Band

2 Lakhs

3 Lakhs

4 Lakhs

5 Lakhs

18-35

4,883

5,622

6,972

7,647

36-45

5,889

6,712

8,322

9,128

46-50

8,335

9,548

11,840

12,986

51-55

10,501

12,037

14,926

16,371

56-60

13,360

15,351

19,035

20,877

61-65

17,883

20,673

25,634

28,115

66-70

24,628

28,479

35,314

38,731

 

 

 

 

 

71-75

30,764

35,378

43,869

48,114

76-80

37,251

42,775

53,041

58,174

>80

43,356

49,689

61,614

67,577

 

FLOATER(2A+1C):

Age Band

2 Lakhs

3 Lakhs

4 Lakhs

5 Lakhs

 

18-35

5,948

6,787

8,416

9,231

 

36-45

6,868

7,782

9,650

10,584

 

46-50

9,400

10,713

13,284

14,570

 

51-55

11,652

13,296

16,487

18,083

 

56-60

14,533

16,633

20,625

22,621

 
 

61-65

19,055

21,955

27,224

29,859

 

66-70

25,800

29,761

36,904

40,475

 

71-75

31,937

36,660

45,459

49,858

 

76-80

38,424

44,057

54,631

59,918

 

>80

44,529

50,971

63,204

69,321

 

 

FLOATER(2A+2C):

Age Band

2 Lakhs

3 Lakhs

4 Lakhs

5 Lakhs

18-35

7,280

8,285

10,273

11,267

36-45

8,092

9,159

11,357

12,456

46-50

10,731

12,211

15,141

16,607

51-55

13,091

14,915

18,494

20,284

56-60

15,999

18,282

22,670

24,864

61-65

20,521

23,604

29,269

32,101

66-70

27,266

31,410

38,949

42,718

 

 

 

 

 

71-75

33,402

38,309

47,503

52,101

76-80

39,889

45,706

56,676

62,161

>80

45,995

52,620

65,249

71,564

 

FLOATER(2A+3C):

Age Band

2 Lakhs

3 Lakhs

4 Lakhs

5 Lakhs

18-35

8,877

10,115

12,543

13,757

36-45

9,560

10,841

13,443

14,744

46-50

12,328

14,041

17,411

19,096

51-55

14,818

16,893

20,948

22,975

56-60

17,757

20,297

25,169

27,604

61-65

22,280

25,619

31,768

34,842

66-70

29,025

33,425

41,448

45,459

 

 

 

 

 

71-75

35,161

40,325

50,002

54,841

76-80

41,648

47,722

59,175

64,901

>80

47,753

54,636

67,748

74,304

 

*The above rates may change. Please refer the policy wordings for more information.