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 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.