Apollo Munich Easy Health Family Floater Insurance Premium Plan

Apollo Munich Easy Health Family Floater Insurance Premium Plan Overview:

Easy Health Family floater Plan not only covers your family from emergency expenses but also covers medical treatment of illnesses/accidents. The Plan also offers an add-on optional cover for critical illnesses.

  • Also covers maternity expenses, out-patient dental cover, recovery benefit and cost of spectacles & hearing aids & also let you avail health check-up benefit.

Apollo Munich Easy Health Family Floater Insurance Premium 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 Family Floater Insurance Premium Policy 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 can be covered 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).

Easy Health Family Floater Insurance Premium Policy Benefits:

  • In-Patient Hospitalisation –It covers you if you are hospitalised for more than 24 hours.
  • Pre-Hospitalisation – It covers medical expenses you incur due to ailments 60 days before hospitalisation.
  • Post-Hospitalisation - It covers your 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 - We cover 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 a 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 along with transfer of waiting period and accrued benefits.
    • Tax Benefits - Avail tax benefits for the premium amount under Section 80D of the Income Tax Act.
    • 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 Family Floater Insurance Premium 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 if there is a continuous renewal of the 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 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.

Apollo Munich Easy Health Family Floater Insurance Premium Plan Premium details:

FLOATER (1A+1C):

Age Band

4 Lakhs

5 Lakhs

7.5 Lakhs

10 Lakhs

15 Lakhs

20 Lakhs

25 Lakhs

50 Lakhs

18-35

8,673

10,463

12,414

14,671

16,573

18,040

19,344

24,125

36-45

9,400

11,341

13,742

16,241

18,346

19,970

21,414

26,707

46-50

13,079

15,779

19,531

23,082

26,074

28,382

30,434

37,957

51-55

16,179

19,519

24,521

28,980

32,736

35,634

38,210

47,655

56-60

20,313

24,506

31,369

37,072

41,878

45,585

48,881

60,963

61-65

27,373

33,025

43,122

50,962

57,568

62,664

67,194

83,804

66-70

36,955

44,585

58,860

69,562

78,579

85,535

91,718

114,390

71-75

44,199

53,324

71,213

84,161

95,071

103,487

110,968

138,398

76-80

52,609

63,471

85,815

101,418

114,565

124,706

133,721

166,776

>80

60,179

72,603

100,234

118,458

133,814

145,659

156,189

194,798

 

FLOATER (1A+2C):

Age Band

4 Lakhs

5 Lakhs

7.5 Lakhs

10 Lakhs

15 Lakhs

20 Lakhs

25 Lakhs

50 Lakhs

18-35

11,180

13,488

15,616

18,456

20,848

22,693

24,334

30,349

36-45

11,705

14,121

16,686

19,720

22,276

24,248

26,001

32,428

46-50

15,586

18,804

22,733

26,867

30,349

33,036

35,424

44,181

51-55

18,888

22,788

27,983

33,070

37,357

40,664

43,604

54,382

56-60

23,073

27,836

34,895

41,239

46,585

50,709

54,375

67,816

61-65

30,134

36,355

46,648

55,129

62,275

67,788

72,688

90,656

66-70

39,715

47,915

62,386

73,729

83,286

90,659

97,213

121,243

71-75

46,959

56,654

74,739

88,328

99,778

108,611

116,462

145,250

76-80

55,370

66,801

89,341

105,585

119,272

129,830

139,216

173,629

>80

62,939

75,933

103,760

122,625

138,521

150,783

161,683

201,650

 

FLOATER (1A+3C):

Age Band

4 Lakhs

5 Lakhs

7.5 Lakhs

10 Lakhs

15 Lakhs

20 Lakhs

25 Lakhs

50 Lakhs

18-35

12,572

15,168

17,395

20,558

23,223

25,279

27,106

33,807

36-45

12,985

15,666

18,321

21,653

24,459

26,625

28,549

35,607

46-50

16,979

20,484

24,512

28,969

32,725

35,621

38,196

47,638

51-55

20,394

24,604

29,905

35,343

39,924

43,459

46,600

58,119

56-60

24,606

29,686

36,854

43,554

49,200

53,556

57,427

71,623

61-65

31,667

38,205

48,606

57,444

64,890

70,635

75,741

94,463

66-70

41,249

49,765

64,345

76,044

85,901

93,506

100,265

125,050

71-75

48,493

58,504

76,698

90,643

102,393

111,457

119,514

149,057

76-80

56,903

68,651

91,300

107,900

121,887

132,677

142,268

177,436

>80

64,473

77,783

105,719

124,940

141,136

153,630

164,736

205,457

 

FLOATER (2A+0C)

 

Age Band

4 Lakhs

5 Lakhs

7.5 Lakhs

10 Lakhs

15 Lakhs

20 Lakhs

25 Lakhs

50 Lakhs

18-35

9,412

11,355

13,892

16,418

18,546

20,188

21,647

26,998

36-45

11,235

13,555

16,873

19,941

22,526

24,520

26,293

32,792

46-50

15,984

19,284

24,438

28,881

32,625

35,513

38,081

47,494

51-55

20,150

24,311

31,198

36,870

41,649

45,336

48,614

60,630

56-60

25,697

31,002

40,371

47,712

53,897

58,668

62,909

78,459

61-65

34,606

41,750

55,188

65,222

73,677

80,199

85,996

107,254

66-70

47,674

57,516

76,706

90,652

102,403

111,468

119,526

149,072

71-75

59,223

71,449

96,191

113,680

128,416

139,784

149,889

186,940

76-80

71,605

86,388

117,533

138,902

156,908

170,799

183,146

228,417

>80

83,179

100,352

139,009

164,284

185,580

202,008

216,611

270,155

                     

 

FLOATER (2A+1C)

Age Band

4 Lakhs

5 Lakhs

7.5 Lakhs

10 Lakhs

15 Lakhs

20 Lakhs

25 Lakhs

50 Lakhs

18-35

11,362

13,708

16,383

19,362

21,871

23,808

25,529

31,839

36-45

13,027

15,717

19,163

22,647

25,583

27,847

29,860

37,242

46-50

17,934

21,636

26,929

31,825

35,951

39,133

41,962

52,335

51-55

22,258

26,853

33,890

40,051

45,243

49,248

52,808

65,862

56-60

27,844

33,592

43,114

50,953

57,558

62,653

67,182

83,789

61-65

36,753

44,340

57,930

68,463

77,338

84,184

90,270

112,584

66-70

49,820

60,106

79,448

93,893

106,064

115,454

123,800

154,402

71-75

61,369

74,039

98,933

116,921

132,077

143,770

154,163

192,270

76-80

73,752

88,978

120,275

142,144

160,570

174,784

187,419

233,747

>80

85,326

102,942

141,752

167,525

189,241

205,993

220,884

275,485

 

FLOATER (2A+2C)

Age Band

4 Lakhs

5 Lakhs

7.5 Lakhs

10 Lakhs

15 Lakhs

20 Lakhs

25 Lakhs

50 Lakhs

18-35

13,869

16,732

19,585

23,146

26,147

28,461

30,519

38,063

36-45

15,332

18,497

22,106

26,126

29,513

32,125

34,447

42,963

46-50

20,441

24,661

30,131

35,610

40,226

43,787

46,952

58,559

51-55

24,968

30,122

37,351

44,142

49,864

54,278

58,202

72,589

56-60

30,604

36,923

46,640

55,120

62,265

67,777

72,676

90,641

61-65

39,513

47,671

61,456

72,630

82,045

89,308

95,764

119,436

66-70

52,581

63,436

82,974

98,060

110,772

120,578

129,294

161,254

71-75

64,130

77,369

102,459

121,088

136,785

148,893

159,657

199,123

76-80

76,512

92,309

123,801

146,311

165,277

179,908

192,913

240,600

>80

88,086

106,272

145,278

171,692

193,948

211,117

226,379

282,338

 

FLOATER (2A+3C):

Age Band

4 Lakhs

5 Lakhs

7.5 Lakhs

10 Lakhs

15 Lakhs

20 Lakhs

25 Lakhs

50 Lakhs

18-35

16,933

20,429

23,500

27,772

31,372

34,150

36,618

45,670

36-45

18,148

21,895

25,704

30,378

34,316

37,354

40,054

49,955

46-50

23,505

28,357

34,046

40,236

45,451

49,475

53,052

66,165

51-55

28,279

34,118

41,581

49,142

55,512

60,426

64,794

80,811

56-60

33,978

40,993

50,949

60,213

68,018

74,040

79,392

99,017

61-65

42,887

51,741

65,766

77,723

87,798

95,571

102,480

127,812

66-70

55,954

67,506

87,283

103,153

116,525

126,840

136,009

169,630

71-75

67,503

81,439

106,769

126,181

142,538

155,156

166,372

207,498

76-80

79,886

96,379

128,111

151,404

171,030

186,170

199,629

248,975

>80

91,460

110,342

149,587

176,785

199,701

217,380

233,094

290,713

 

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

Written By: PolicyBazaar - Updated: 09 January 2020
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