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Apollo Munich Insurance

Apollo Munich Insurance is a private sector general insurance company. Apollo Munich Insurance is an established joint venture between the Apollo Hospitals Group and Munich Health.

A leading insurance provider that caters to individuals, families, and corporate houses.

Apollo Hospitals Group is recognized group of hospitals and healthcare provider in Asia. And Munich Health is a part of Munich Re, a top-notch reinsurance company of Germany. An ISO 9001:2008 Certified Apollo Munich has been awarded as Infosec Maestros Awards – 100 Top CISOs in 2015, twice in a row as a Health Insurance provider.

Interesting Facts about Apollo Munich Insurance

  • Apollo Munich Insurance, was established in 2007
  • More than 90% cashless claims are settled within 2 hours of claim intimation.
  • Apollo Munich Insurance was awarded as “Health Insurance Provider” by Money Today and Financial Planning Corporation in 2015.
  • Apollo Munich Insurance offers a wide gamut of plans that includes: Health Insurance Plans, Travel Insurance Plans, and Personal Accident Plans.

Product Portfolio – Apollo Munich Insurance

Health Insurance

Apollo Munich’s Health Insurance plan covers you with various benefits like in-hospitalization expenses, pre and post hospitalization expenses, day care treatments, etc. They provide different plans to individual and family. Moreover, Apollo Munich also provides unique plans for critical illnesses, Dengue, and top-up plans. See what plans are offered by Apollo Munich Health Insurance:

Health Insurance Plans for Individuals:

  • Apollo Munich Easy Health – Standard Plan : Under this plan you get sum insured from 1 lakh to 15 Lakh and it covers in-patient hospitalization, pre and post hospitalization, day care, etc. An individual of age 5 to 65 years can be insured under this plan. You can also opt an additional add-on optional cover for listed critical illness.

  • Apollo Munich Easy Health – Premium Plan : Under this plan you get sum insured from 4 lakh to 50 Lakh and it covers in-patient hospitalization, pre and post hospitalization, day care, etc. An individual of age 5 to 65 years can be insured under this plan. You can also opt an additional add-on optional cover for listed critical illness.

  • Apollo Munich Easy Health – Exclusive Plan: This plan covers you with in-patient hospitalization, pre and post hospitalization, day care, etc. with a total sum insured of Rs. 3 lakh to Rs. 50 lakh. An individual of age 5 to 65 years can be insured under this plan. You can also opt an additional add-on optional cover for listed critical illness.

  • Apollo Munich Optima Restore - The Unbelievable Health Plan: Optima Restore is an individual health insurance plan. This plan is available for an individual of age 5 to 65. Under this plan you can get cover from Rs. 3 lakh to Rs. 50 lakhs. An inbuilt Restore benefit helps with auto-reinstate the sum insured. Moreover, an included Multiplier benefit increases the sum insured with 50% every no claim year.

  • Apollo Munich Energy Health Insurance Plan – The Sweetest Thing for People Living with Diabetes: Covers Type 2 Diabetes Mellitus, Impaired Fasting Glucose, Impaired Glucose Transpose and other related ailments. Coverage offered under this plan is from sum insured of Rs. 2 lakh to Rs. 10 lakh. No waiting period for individuals with Type 2 Diabetes and other said ailments. Eligibility is from age 18 years to 65 years.

Health Insurance Plans for Family:

  • Apollo Munich Easy Health – Our Uncomplicated Plan (Standard): You can cover your family with this single plan with sum insured ranging from 1 lakh to 15 Lakh. It covers in-patient hospitalization, pre and post hospitalization, day care, etc. This plan is available for family, each individual should be of age between 5 to 65 years. You can also insure an infant under this policy after 3 months of birth. You can also opt an additional add-on optional cover for listed critical illness.

  • Apollo Munich Easy Health – Our Premium Plan (Premium): You can cover your family with this single plan with sum insured ranging from 4 lakh to 50 Lakh. It covers in-patient hospitalization, pre and post hospitalization, day care, etc. This plan is available for family, each individual should be of age between 5 to 65 years. You can also insure an infant under this policy after 3 months of birth. You can also opt an additional add-on optional cover for listed critical illness. It also covers maternity expenses, out-patient dental cover, recovery benefit and cost of spectacles, hearing aids and health checkup benefit.

  • Apollo Munich Easy Health – (Exclusive): This plan covers you with in-patient hospitalization, pre and post hospitalization, day care, etc. with a total sum insured of Rs. 3 lakh to Rs. 50 lakh. This plan is available for family, each individual should be of age between 5 to 65 years. You can also insure an infant under this policy after 3 months of birth. You can also opt an additional add-on optional cover for listed critical illness. It also covers maternity expenses, recovery benefit and health checkup benefit.

  • Apollo Munich Optima Restore - The Unbelievable Health Plan: Optima Restore for family health plan helps you to restore sum insured after exhaustion of the floater sum insured. Here’s how it works: If one of the family members got hospitalized because of which the cover/sum insured exhausts due to the medical expenses and in the same here any other family member gets hospitalized Apollo Munich will restore the entire cover at no extra charge. This plan is available for family, each individual of age between 5 to 65 years. You can also insure an infant under this policy after 3 months of birth. The sum insured ranges from Rs. 3 lakh to Rs. 50 lakhs. An included Multiplier benefit increases the sum insured with 50% every no claim year.

Health Insurance Plans for Senior Citizens:

  • Apollo Munich Optima Senior: Exclusively for Senior citizens. For individuals of 61 years and above. This plan offers comprehensive cover upto Rs. 5 lakh. Covering all medical expenses, treatment of illnesses and accidents requiring in-patient hospitalization.

Other Plans:

  • Dengue Care Plan - First of its kind, an exclusive plan that covers Dengue. No medical tests required while taking a plan.

  • Optima Cash – A Top up plan that provides daily cash at the time of hospitalization.

  • Optima Plus – A perfect Top up plan to cover all your over-head medical expenditures at much lower premium. Only plan in India that offers an option to convert into a full-fledged health insurance plan on retirement.

  • Maxima – A unique comprehensive plan to cover little Illnesses that does not require hospitalization like sore throat, fever, stomach ache, etc.

  • Optima Super – An aggregated Top up plan that offers varied sum insured and deductible combinations to choose your plan as per your needs.

  • Optima Vital - This plan is dedicated to cover 37 critical illnesses

Travel Insurance

If you are planning a family vacation, world tour with family, single business trip, or pursuing a master’s degree abroad Apollo Munich Health Insurance offers various plans just to fit your travel plans. Travel plans by Apollo Munich covers on-travel risks, from medical emergencies to lost checked-in baggage, loss of passport, financial emergency, dental treatment, etc. Apollo Munich Health Insurance offer plans for an individual, family, senior citizen, and student.

  • Apollo Munich Easy Travel - Individual : With different plan variants – Platinum, Gold, Silver, Bronze, Asian you can customize your travel trips with Apollo Munich Easy Travel plan. It covers costs of all the medical emergencies, flight delays and cancellation, loss of baggage, passport, etc. with a sum insured that ranges from 25,000 USD to 5,00,000 USD. Choose plans that may or may not include US & Canada, Worldwide, and Asiapac excluding Japan.

  • Apollo Munich Easy Travel - Family : Secure your family trip with Apollo Munich Easy Travel- family. With a sum insured from 25,000 USD upto 1,00,000 USD that covers the cost of medical emergencies loss of baggage, passport, flight delays and cancellation, emergency cash, etc. for family. This plan covers you, your spouse, and two children upto the age of 21 years. Choose plans that may or may not include US & Canada, Worldwide, and Asiapac excluding Japan.

  • Apollo Munich Easy Travel - Senior Citizen: Exclusive travel plan for senior citizens of age between 71 years to 80 years. It covers the cost of medical emergencies, accident or hospitalization of senior citizens. Two variants Silver and Bronze with sum insured of 1,00,000 USD and 50,000 USD. Choose plans that may or may not include US & Canada, Worldwide, and Asiapac excluding Japan.

  • Apollo Munich Educare – Student Travel Plan: Customizable plan for students planning to study abroad. Got four variants Platinum, Gold, Silver, and Bronze that covers sum insured in the range of 50,000 USD and 500,000 USD. It covers the cost of all medical expenses, in-hospitalization, non-medical covers, travel inconvenience, etc. Choose plans that may or may not include US & Canada, Worldwide, and Asiapac excluding Japan.

  • Apollo Munich - Annual Multi Trip Plan: Whether it’s your regular business trip or multiple single destination solo trips for fun this plan is best suited to people traveling frequently throughout the year. Varying sum insured options to choose from the range of USD 25,000 to USD 5,00,000 you can select different variant plan Platinum, Gold, Silver, Bronze, and Asian region. Choose plans that may or may not include US & Canada, Worldwide, and Asiapac excluding Japan.

Personal Accident Plans

It is a smart way to protect against any kind life uncertainties that may arise due to the accident or mishap, which might lead to you and your family into financial instability. Accident may cause total or partial disability which maybe temporary or permanent. In such an eventualities cash flow gets stalled. Under such conditions Personal Accident Cover comes to rescue.

  • Apollo Munich Personal Accident Plan - Standard: An Individual Personal Accident Insurance is a way to stay financially stable in the event of accident or fatal injury that may happen due to accident. Under this plan you can get a sum insured in the range of Rs. 5 lakh upto Rs 5. crore which covers disability and accidental death.

  • Apollo Munich Personal Accident - Premium: An Individual Personal Accident Insurance is a way to stay financially stable in the event of accident or fatal injury that may happen due to accident. Under this plan you can get a sum insured in the range of Rs. 1 lakh upto Rs. 50 lakh which covers disability and accidental death.

Apollo Munich Insurance Claim Process

Claim Process

  1. The first and foremost step is to inform and lodge a claim by contacting Apollo Munich Health Insurance on the Toll Free number - 1800 1020 333

  2. Claim forms for different purposes can be found here

  3. Keep all your documents and details ready:

  • Your contact details

  • Name of the Insured

  • Policy number

  • Date and time of problem

  • Nature of problem

  • Location of problem

For individual step by step claim process of Health, Travel, and Personal Accident plans read below.

Health Insurance- Claim Process

Here’s the step-by-step process to lodge a claim. Understand Do’s and Don’ts’ to ensure your claim gets approved. Below is the list that Apollo Munich Health Insurance Health Insurance policy will cover:

  • Pre and Post Hospitalization costs
  • Hospital Charges (Room Rent, Boarding, ICU and Operation Theatre Charges)
  • Fees for Surgeon, Anesthetist, Nurse, specialist, etc.
  • Cost of Diagnostic Test, Medicines, Blood, Oxygen, etc.

Note: For any claim to be processed and approved you need to lodge a claim by intimating the company.

Case 1: If it is a Planned Hospitalization

If you are planning to go for a planned hospitalization, it is necessary to intimate the company 48hrs prior to the hospitalization.

Case 2: In case of an Emergency Hospitalization

In case of an emergency hospitalization, it is important to intimate the company within 48hrs from the time of hospitalization. Any health insurance policy issued by Apollo Munich Health Insurance provides: Cashless and Reimbursement claim services.

Cashless Claim Process:

It gets you covered with the medical expenses of any treatment for sickness, illness or accident provided the treatment is carried out at the listed Apollo Munich Health Insurance Network Hospital. On approval of the claim the medical bills are directly paid by the Apollo Munich Health Insurance to the hospital. Important documents and details to be provided at the time of claim:

  • Policy Number, Policyholder’s/ Insured’s Name
  • Contact Details of the Claimant/ Policyholder
  • Name of the Insured/ Claimant
  • Hospital Details
  • Nature of Ailment/Details of the Accident (Commencement date of the symptoms & related details)

Reimbursement Claim Process:

The policyholder needs to pay all the cost first and later Apollo Munich Health Insurance will reimburse. The entire medical expenses bill are required to be submitted to get the reimbursement to the company. In case of a reimbursement process, it is not mandatory to get treated in the Apollo Munich Health Insurance Authorized Hospital. The treatment can be carried out in any registered hospital. Within seven days of getting discharge, policyholder needs to submit the bills to get reimbursement. Important documents and details to be provided to get reimbursement:

  • Claim Form duly signed by the Insured
  • Photocopy of ID Card
  • Photocopy of policy certificate
  • Original discharge card/summary, Original hospital bills
  • For consolidated amounts, a detailed breakup of the amount
  • All investigation reports and bills in original supported by a note from the attending doctor/surgeon recommending such investigations
  • Surgeon’s certificate stating nature of surgery performed, bill and paid receipt
  • Attending doctors/consultants/specialists/anesthetists bill, receipt and certificate
  • ECS Form

Travel and Personal Accident Claim Process

Review of Apollo Munich Insurance

More than 95% of the claims are settled within 30 days. And 90% of cashless claim process are settled with 2 hours of intimation. This is an incredible service given to policyholders of Apollo Munich Health Insurance Company. Credentials just starts there, in fact, it is just a gist of what policyholders can expect from the award winner Health Insurance provider. When buying any health insurance plan from Coverfox.com make sure you check out plans offered by Apollo Munich.

Contact Details of Apollo Munich Insurance Company

iLABS, 2&3 Floor, Plot 404-405, Phase 3

Udyog Vihar, Gurgaon

E-mail: customercare@apollomunichinsurance.com

Website: www.apollomunichinsurance.com

Social Media
Facebook: https://www.facebook.com/ApolloMunichHealthInsurance/

Twitter: https://twitter.com/apollomunichins/

FAQs on Apollo Munich General Insurance

My wife just delivered a baby, can I add this new member to a health Insurance Policy in the middle of the tenure?

Yes, it is possible to add a new born baby to your health insurance policy. For adding other members, apart from a newly married spouse, you need to wait till the renewal of the policy.

I am a Apollo Munich Health Insurance Policyholder. Do I need to give a Medical Exam on yearly basis?

No, if you have been renewing your policy every year without any breaks you do not need to give an exam every year. The policy terms and conditions will not change for you. Otherwise a medical exam is necessary.

How is Overseas Travel Insurance beneficial for me?

Since the cost of medical treatments is much higher in foreign countries as compared to India, it is beneficial to have an Overseas Travel Insurance if you are travelling abroad. This will ensure that your treatment for any medical emergency is taken care of my the insurer.

Which information do I need to keep handy while filing for a claim for my Health Insurance Policy?

Your claim process will be smoother if you have the following information with you:

  • Contact details of Insured/Claimant (Contact Number, Email Address, complete Residential Address, etc...)
  • Name of the Insured
  • Policy number
  • Reason for Hospitalization
  • Date and time of problem
  • Location of problem

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)