- About Coverfox
Apollo Munich Health Insurance, founded on 8th August 2007 as a joint venture between Apollo Hospitals Group and Munich Health, has become HDFC ERGO Health Insurance. January 2020 saw the completion of the acquisition process of 51.25 percent shares of Apollo Munich Health Insurance. Apollo Munich Health Insurance was responsible for bringing a host of changes in health insurance products. It offered simplified products and hassle-free claim settlement to its customers.
A leading insurance provider that caters to individuals, families, and corporate houses.
With the acquisition of Apollo Munich Health Insurance by HDFC ERGO, the new entity is a 51:49 joint venture between Housing Development and Finance Corporation (HDFC) and ERGO International AG. Now all Apollo Munich Policyholders will be able to avail cashless facilities at a vast network of 10000+ Network hospitals. HDFC ERGO offers various health insurance plans covering daycare procedures, pre and post-hospitalization expenses, daily cash for hospital rooms, free health checkups, expert medical opinion, emergency ambulance, special coverage for cancer, hypertension, and diabetes, etc.
More than 93% policies issued in less than 7 working days
More than 83% policies issued in less than 3 working days
More than 90% cashless approval done in less than 2 hours of claim intimation
On an average, 85% of customers are happy with the service and recommend us
We have impressive policy renewal rate of 80%
Claims Ratio in Percentage for Financial Year 2017-18 is 62.47%
Please Note: Apollo Munich Health Insurance is now HDFC ERGO Health (formerly Apollo Munich Health Insurance)
Customer Care Principles
Source – Apollo Munich official website
Apollo Munich Company Offers
8Online Payment process
Select a plan as per your requirements. After selecting, click on buy and it will take you to the payment page where you can choose your payment gateway like debit/credit card, net banking, wallets etc. Select your payment gateway and simply make the payment.
Offline payment process
You will be required to physically go to the nearest Apollo Munich company branch office. There you can fill in the paper work and make the payment by cash/cheque or any other payment facility available.
Online Renewal Process at Apollo Munich Insurance Company
Step 1 – Log in to the company website
Step 2 – Put in your policy details and personal details
Step 3 – You will get access to your policy account page where you can click on the renew policy option.
Step 4 – You will be given preview of the renewal option selected. Check the details and make the payment online by choosing your payment gateway like bank cards, net banking etc.
Step 5 – After making the payment, you will get the policy document in email instantly and the hard copy will send via post.
Joining the Apollo Munich family from another insurer
You can port/switch your insurance policy from another insurer to Apollo Munich and retain the NCB cover and also the waiting period in the new health plan; and it won’t get reset to zero for the pre-existing diseases.
Awards Won by Apollo Munich Insurance Company
Apollo Munich has received several awards over the past years. Some of the recent awards are mentioned below:
|2009||Outdoor Advertising Awards 2009||Mudra Max|
|2010||ISO – 9001:2008 certification||DNV Audit|
|2011||Policy Administration 2011||Celent|
|2011||OOH 2011 for Outdoor Advertising & Digital Signage - Best Outdoor Plan – Strategy||Mudra Max|
|2011||OOH 2011 for Outdoor Advertising & Digital Signage - Most Effective Outdoor Plan||Mudra Max|
|2011||The Remmy Award||Times Ascent|
|2011||The Remmy Award Nomination||Times Ascent|
Campaigns of Apollo Munich Insurance Company Limited
Let’s Uncomplicate: We believe in uncomplicating and here’s the journey of “Let’s Uncomplicate” campaign
Pause: A campaign designed to compel you to pause in life and think about “Your Health”.
Optima Restore: A campaign for the most unbelievable insurance plan that truly offers unique benefits.
Health Wallet:A campaign for the revolutionary health plan that secures your future with a growing Reserve Benefit.
Source – Apollo Munich Website
What kind of policies are available online with Apollo Munich Insurance Company Limited?
Health insurance, travel insurance and personal accident insurance policies are all available for online purchase with Apollo Munich Insurance Company Limited on their official company website.
How to renew Apollo Munich insurance policy online?
You can renew your Apollo Munich Insurance policy online by logging on to the Apollo Munich website and clicking on the “Renew” tab. You will be directed to the renewal page where you will be asked to enter 10 or 12-digit policy number. After entering your policy number, you will get access to your policy account where you can choose the renewal option and make the payment for the renewal premium. After doing this process, your policy will get renewed. There is no need for health check-up if policy is renewed with any break and if there are no changes in the policy’s terms and conditions.
How can I contact Apollo Munich for health insurance?
You can contact Apollo Munich for health insurance in the following ways:
Are all the major corporate hospitals on the network?
You can know the name of the hospitals on Apollo Munich network through their website.
How does one get reimbursement for pre- and post-hospitalization expenses under this scheme?
You will be required to send all original invoice/ prescription and other supporting document plus copy of discharge summary to the company. The claim will be verified and will be settled as per the limit of the policy. The documents need to be sent to the company’s Customer Service Centre within 15 days from the day the treatment get finished.
How does one get reimbursements in case of treatment in non-network hospitals?
All original documents related to the treatment need to file for claim within 15 days of discharge.
I am an Apollo Munich Health Insurance Policyholder. Do I need to give a Medical Exam on a yearly basis?
You don’t have to give medical exam on yearly renewal basis if there is no break in the renewal process or no changes in the terms and conditions of the policy.
What is the procedure and documents required for filing a Loss of Checked-in Baggage claim?
You will require the following documents for filing a Loss of Checked-in Luggage claim:
A duly filled and signed claim form
A copy of your Policy
The airline ticket and boarding pass of the flight you were travelling in after which the luggage was lost
Copies of correspondence with airline authorities/others about loss/ along with details of compensation received from airlines/other authorities (if any),
Property Irregularity report (clearly accepting the loss)
Enough proof of ownership of items inside the checked-in-baggage valued in excess of Indian rupee equivalent of US $100
These are the steps you need to follow to file the claim:
Step 1: Inform the airline authorities
Step 2: Lodge a complaint with the airline authorities
Step 3: Get a Property Irregularity Report (PIR) from airline authorities with details about the period of delay/loss
Step 4: Fill the claim form and submit the above-mentioned documents within 15 days of return to India or expiry of Policy (whichever is earlier)