Apollo Munich Individual Easy Health Insurance

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

Apollo Munich Individual Easy Health Insurance Overview:

Apollo Munich’s Easy Health Policy provides full protection against any illness or medical emergencies. It is a Single policy for you and your family which manages all your medical expenses and ensures quality health and happiness. This plan offers coverage on individual sum insured basis & also offers an optional cover for Critical Illnesses.

Key Features of Apollo Munich Individual Easy Health Insurance:

  • The policy period options include period of 1 or 2 years. A discount of 7.5% is offered if you opt for a 2 year policy.
  • You and/ or your family members namely spouse, dependent children, dependent parents, parent-in-law, grandparents and grandchildren are eligible for buying this cover.
  • The premium at renewal may change due to a change in your age or changes in the applicable tax rate.
  • There is no maximum cover ceasing age on renewals of the subject policy.
  • It can be easily upgraded at the time of renewal.

 Benefits of Apollo Munich Individual Easy Health Insurance Policy:

Sum insured per insured person per policy year (Rs In Lakh)

3lac, 4 lac, 5 lac

7.5 lacs, 10 lacs

15lacs, 20lacs, 25lacs, 50 lacs

In patient treatment

Covered

 

Pre- hospitalization

Covered

Post- hospitalization

Covered

Day care procedures

Covered

Domiciliary treatment

Covered

Organ Donor

Covered

Emergency Ambulance

Up to Rs.2000 per hospitalization

Ayush Benefit

Up to Rs. 25,000

Up to Rs. 50,000

Daily Cash for choosing shared accommodation

Rs. 500 per day

Maximum Rs.3000

Rs. 800 per day

Maximum Rs.4800

Rs. 1000 per day

Maximum Rs.6000

Daily Cash for accompanying an insured child

Rs. 300 per day

Maximum Rs.9000

Rs. 500 per day

Maximum Rs.15,000

Rs.8 per day

Maximum Rs.24,000

New born baby

Additional Benefit on payment of additional premium

Recovery benefit

Not Covered

Rs. 10,000 (>10 days of hospitalization)

Maternity expenses

Normal Delivery: Rs.15,000

Caesarean Delivery: Rs.25,000

Normal Delivery: Rs.25,000

Caesarean Delivery: Rs.40,000

Normal Delivery: Rs.30,000

Caesarean Delivery: Rs.50,000

Outpatient dental treatment

Waiting period 3 years

Not Covered

Spectacles, contact lenses, hearing Aid

Every third year

Not Covered

E-opinion in respect of critical illness

Not Covered

Critical illness rider

Optional, if opted then critical illness sum insured 50% or 100% of in- patient sum insured

Sum insured up to a maximum of Rs.10 lacs

Health Check up

Up to 1% of sum insured subject to a Maximum of Rs. 5,000 per insured person, only once at the end of a block of every continuous three policy years.

 

Apollo Munich Individual Easy Health Insurance Premium Details:

Annual premium in Rupees

Individual Sum Insured

Age Band

3 lakhs

4 lakhs

5 lakhs

7.5 lakhs

10 lakhs

15 lakhs

20 lakhs

25 lakhs

50 lakhs

0-17

3,664

4,544

5,482

5,804

6,859

7,961

8,810

9,565

12,334

18-35

4,377

5,428

6,549

8,012

9,469

10,989

12,161

13,204

17,026

36-45

4,954

6,143

7,411

9,247

10,928

12,683

14,036

15,240

19,651

46-50

7,247

 

8,986

 

10,841

 

13,758

 

16,260

 

18,870

 

20,884

 

22,674

 

29,238

 

51-55

9,162

 

11,361

 

13,707

 

17,625

 

20,830

 

24,174

 

26,754

 

29,047

 

37,455

 

56-60

11,828

14,667

17,695

23,113

27,316

31,701

35,084

38,092

49,118

61-65

16,426

20,368

24,573

32,602

38,530

44,716

49,488

53,730

69,283

66-70

22,665

 

28,104

33,907

 

45,310

53,548

 

62,145

68,777

74,672

96,288

 

71-75

27,382

33,953

40,963

55,284

65,335

75,825

83,917

91,110

117,483

76-80

32,858

40,744

49,156

67,074

79,269

91,995

101,813

110,540

142,538

>80

37,787

46,855

56,529

78,715

93,027

107,963

119,484

129,726

167,278

*The above rates may change. Please check the policy wordings to get more information.

Apollo Munich Individual Easy Health Insurance Policy Details

Sum Insured: 3 lacs to 50 lacs

Coverage type: Individual/ family

Grace period: Grace Period of 30 days for renewing the policy is provided under this policy.

 

Renewal Policies: The Easy Health policy offers lifelong renewability i.e. there is no maximum cover ceasing age in this policy

Policy termination: You may terminate the policy at any time by giving us a written notice. The cancellation shall be from the date of receipt of such written notice. Premium shall be refunded as per table below IF AND ONLY no claim has been made under the Policy

 

1 Year Policy

2 Year Policy

Length of Time Policy in force

Refund of premium

Length of Time Policy in force

Refund of premium

Up to 1 month

75%

Up to 1 month

87.5%

Up to 3 months

50%

Up to 3 months

75%

Up to 6 months

25%

Up to 6 months

62.5%

Exceeding 6 months

Nil

Up to 12 months

48%

 

 

Up to 15 months

25%

 

 

Up to 18 months

12%

 

 

Exceeding 18 months

Nil

 

Free look period

A period of 15 days after date of receipt of policy to review terms and conditions during which insured can cancel it with due refunds.

 

Additional Features or Riders

  • Sum Insured Enhancement - Sum Insured can be enhanced only at the time of renewal subject to no claim have been lodged under the policy. In cases where the sum insured increase is more than one grid up, the case shall be subject to medicals.
  • Tax Benefits - you can presently avail tax benefits for the premium amount under Section 80D of the Income Tax Act. (Tax benefits are subject to changes in Tax Laws)
  • Discounts
    • Family Discount of 5% if 2 members are covered and 10% if 3 or more family members are covered under Easy Health Individual Health Insurance Plan.
    • 7.5% Discount on premium if Insured Person is paying premium of 2 years in advance as a single premium.

Exclusions in Apollo Munich Individual Easy Health Insurance Policy:

  • Expenses arising from HIV or AIDS and related diseases.
  • Abuse of intoxicant or hallucinogenic substances like intoxicating drugs and alcohol
  • Hospitalization due to war or an act of war or due to a nuclear, chemical or biological weapon and radiation of any kind.
  • Any Insured Person committing or attempting to commit a breach of law with criminal intent, or intentional self injury or attempted suicide while sane or insane.
  • Items of personal comfort and convenience.
  • An Insured Person’s participation or involvement in naval, military or air force operation, racing, diving, aviation, scuba diving, parachuting, hang-gliding, rock or mountain climbing in a professional or semi-professional nature.
  • Treatment of obesity and any weight control program.
  • Treatment for correction of eye sight due to refractive error.
  • Cosmetic, aesthetic and re-shaping treatments and surgeries.

Documents Required to Claim Apollo Munich Individual Easy Health Insurance:

  • Our claim form, duly completed and signed for on behalf of the Insured person
  • Original bills with detailed breakup of charges (including but not limited to pharmacy purchase bill, consultation bill, and diagnostic bill) and any attachments like receipts or prescriptions in support of any amount claimed.
  • Original payment receipts
  • All reports, including but not limited to all medical reports, case histories, investigation reports, treatment papers, discharge summaries.
  • Discharge Summary containing details of date of admission and discharge.
  • Invoice/Sticker of the Implants.
  • A precise diagnosis of the treatment for which a claim is made.
  • A detailed list of the individual medical services and treatments provided and a unit price for each.
  • Prescriptions that name the Insured Person and in the case of drugs: the drugs prescribed, their price and a receipt for payment.
  • Previous treatment record along with reports, if any
  • Treating doctor’s certificate regarding the duration.
  • MLC/ FIR copy/ certificate regarding abuse of Alcohol/intoxicating agent, in case of Accidental injury

Apollo Munich Individual Easy Health Insurance Eligibility Criteria:

  • Minimum Age- 91 days
  • Maximum Age- 65 years
  • A dependent child can be covered from the 91st day provided that either of the parents is covered under this policy.
  • The minimum entry age for adult dependent is 18 years and maximum entry age is 65 years.
  • Maximum 6 members can be added in a single policy. In an individual policy, a maximum of 4 adults and a maximum of 5 children can be included in a single policy. The 4 adults can be a combination of Self, Spouse & either set of parents or grandparents or parents in Law.