Apollo Munich Easy Health Insurance Family Floater Plan
Apollo Munich Easy Health Insurance Family Floater Overview:
Easy Health Family floater Plan protects the family not only from emergency expenses but also covers medical treatment of illness/accidents. The plan offers an add-on optional cover for critical illnesses.
Also covers maternity expenses, recovery benefit & also lets you avail the health check-upbenefit at every fourth renewal.
Easy Health Insurance Family Floater Plan's 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.
Policy Details of Easy Health Insurance Family Floater Plan By Apollo Munich:
- 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 single policy.
- Premium at Apollo Munich health insurance policy 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).
Easy Health Insurance Family Floater Policy Benefits:
- In-Patient Hospitalisation –It covers you if are hospitalised for more than 24 hours.
- Pre-Hospitalisation – It covers medical expenditure incur due to illnesses during 60 days after the hospitalization.
- Post-Hospitalisation - It covers expenses you incur in the 90 days immediately after release from the hospital
- Day-Care Procedures - It covers 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 – It covers you and your donor.
- 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 2 continuous policy years)
- E-opinion in Case of Critical Illness – Consultation with doctors who are in 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) - 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 the life, it helps you by setting 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 Plan 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.
Apollo Munich Easy Health Insurance Family Floater Policy 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 for 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.
Easy Health Insurance Family Floater Plan's Premium Details:
Floater (1A+1C):
Age Band |
3 Lakhs |
4 Lakhs |
5 Lakhs |
7.5 Lakhs |
10 Lakhs |
15 Lakhs |
20 Lakhs |
25 Lakhs |
50 Lakhs |
18-35 |
5,647 |
7,002 |
8,448 |
10,023 |
11,845 |
13,747 |
15,214 |
16,518 |
21,300 |
36-45 |
6,121 |
7,590 |
9,157 |
11,096 |
13,113 |
15,218 |
16,842 |
18,286 |
23,579 |
46-50 |
8,516 |
10,560 |
12,740 |
15,769 |
18,636 |
21,629 |
23,937 |
25,988 |
33,511 |
51-55 |
10,534 |
13,063 |
15,760 |
19,799 |
23,398 |
27,155 |
30,053 |
32,629 |
42,074 |
56-60 |
13,226 |
16,400 |
19,786 |
25,327 |
29,932 |
34,738 |
38,445 |
41,741 |
53,824 |
61-65 |
17,824 |
22,101 |
26,664 |
34,817 |
41,147 |
47,753 |
52,849 |
57,379 |
73,989 |
66-70 |
24,063 |
29,838 |
35,998 |
47,524 |
56,165 |
65,182 |
72,138 |
78,321 |
100,993 |
71-75 |
28,780 |
35,687 |
43,054 |
57,498 |
67,952 |
78,862 |
87,278 |
94,759 |
122,189 |
76-80 |
34,256 |
42,477 |
51,247 |
69,288 |
81,886 |
95,032 |
105,174 |
114,189 |
147,244 |
>80 |
39,185 |
48,589 |
58,620 |
80,929 |
95,644 |
111,000 |
122,845 |
133,375 |
171,983 |
Floater (1A+2C):
Age Band |
3 Lakhs |
4 Lakhs |
5 Lakhs |
7.5 Lakhs |
10 Lakhs |
15 Lakhs |
20 Lakhs |
25 Lakhs |
50 Lakhs |
18-35 |
7,280 |
9,027 |
10,890 |
12,609 |
14,901 |
17,294 |
19,139 |
20,780 |
26,795 |
36-45 |
7,621 |
9,451 |
11,402 |
13,472 |
15,922 |
18,478 |
20,450 |
22,203 |
28,630 |
46-50 |
10,149 |
12,584 |
15,182 |
18,355 |
21,692 |
25,175 |
27,862 |
30,250 |
39,006 |
51-55 |
12,299 |
15,251 |
18,399 |
22,593 |
26,701 |
30,988 |
34,295 |
37,235 |
48,013 |
56-60 |
15,023 |
18,629 |
22,475 |
28,174 |
33,297 |
38,643 |
42,767 |
46,433 |
59,874 |
61-65 |
19,621 |
24,330 |
29,353 |
37,664 |
44,511 |
51,658 |
57,171 |
62,071 |
80,039 |
66-70 |
25,860 |
32,066 |
38,687 |
50,371 |
59,529 |
69,087 |
76,459 |
83,013 |
107,043 |
71-75 |
30,577 |
37,915 |
45,743 |
60,345 |
71,317 |
82,766 |
91,599 |
99,451 |
128,239 |
76-80 |
36,053 |
44,706 |
53,936 |
72,135 |
85,250 |
98,937 |
109,496 |
118,881 |
153,294 |
>80 |
40,982 |
50,817 |
61,309 |
83,776 |
99,008 |
114,904 |
127,167 |
138,067 |
178,033 |
Floater (1A+3C):
Age Band |
3 Lakhs |
4 Lakhs |
5 Lakhs |
7.5 Lakhs |
10 Lakhs |
15 Lakhs |
20 Lakhs |
25 Lakhs |
50 Lakhs |
18-35 |
8,186 |
10,151 |
12,247 |
14,045 |
16,599 |
19,264 |
21,320 |
23,147 |
29,847 |
36-45 |
8,455 |
10,484 |
12,649 |
14,793 |
17,483 |
20,289 |
22,455 |
24,379 |
31,436 |
46-50 |
11,055 |
13,709 |
16,539 |
19,792 |
23,390 |
27,145 |
30,042 |
32,617 |
42,059 |
51-55 |
13,279 |
16,466 |
19,865 |
24,146 |
28,536 |
33,118 |
36,652 |
39,793 |
51,313 |
56-60 |
16,022 |
19,867 |
23,969 |
29,756 |
35,166 |
40,812 |
45,168 |
49,039 |
63,235 |
61-65 |
20,620 |
25,568 |
30,847 |
39,245 |
46,381 |
53,827 |
59,571 |
64,678 |
83,400 |
66-70 |
26,859 |
33,305 |
40,180 |
51,952 |
61,398 |
71,256 |
78,860 |
85,620 |
110,404 |
71-75 |
31,575 |
39,153 |
47,237 |
61,926 |
73,186 |
84,936 |
94,000 |
102,057 |
131,600 |
76-80 |
37,052 |
45,944 |
55,429 |
73,716 |
87,119 |
101,106 |
111,896 |
121,487 |
156,655 |
>80 |
41,980 |
52,056 |
62,803 |
85,358 |
100,878 |
117,073 |
129,567 |
140,673 |
181,394 |
Floater (2A+0C):
Age Band |
3 Lakhs |
4 Lakhs |
5 Lakhs |
7.5 Lakhs |
10 Lakhs |
15 Lakhs |
20 Lakhs |
25 Lakhs |
50 Lakhs |
18-35 |
6,128 |
7,599 |
9,168 |
11,217 |
13,256 |
15,384 |
17,026 |
18,485 |
23,836 |
36-45 |
7,316 |
9,071 |
10,944 |
13,624 |
16,101 |
18,686 |
20,680 |
22,452 |
28,952 |
46-50 |
10,408 |
12,905 |
15,570 |
19,732 |
23,319 |
27,063 |
29,951 |
32,518 |
41,932 |
51-55 |
13,121 |
16,270 |
19,629 |
25,189 |
29,769 |
34,548 |
38,235 |
41,513 |
53,529 |
56-60 |
16,732 |
20,748 |
25,032 |
32,596 |
38,523 |
44,708 |
49,479 |
53,720 |
69,270 |
61-65 |
22,533 |
27,941 |
33,710 |
44,559 |
52,661 |
61,115 |
67,638 |
73,435 |
94,693 |
66-70 |
31,042 |
38,492 |
46,439 |
61,933 |
73,193 |
84,944 |
94,010 |
102,067 |
131,613 |
71-75 |
38,562 |
47,817 |
57,689 |
77,665 |
91,786 |
106,522 |
117,890 |
127,995 |
165,046 |
76-80 |
46,625 |
57,815 |
69,751 |
94,897 |
112,151 |
130,157 |
144,047 |
156,394 |
201,666 |
>80 |
54,161 |
67,160 |
81,025 |
112,237 |
132,644 |
153,940 |
170,368 |
184,971 |
238,516 |
*The above rates may change. Please refer the policy wordings for more information.
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