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.