Apollo Munich Easy Health Insurance Family Floater Plan

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

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 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.