- About Coverfox
Accidents can happen anytime and diseases are unwelcome guests in everyone’s life. Therefore, preparing yourself to tackle unforeseen situations is always a good idea. With Apollo Munich, a reliable name in the health insurance space, insurers can invest in a plethora of health insurance plans that suit their need.
Considered as one of the most trustworthy insurance brands in India
Plans like Easy Health, Optima Restore, Optima Vital and Optima Plus, cater to individual health needs to ensure all you have to worry about is your well-being and of those who matter to you.
Please Note: Apollo Munich Health Insurance is now HDFC ERGO Health (formerly Apollo Munich Health Insurance)
Apollo Munich is one of the top rated health insurance companies in the country. The insurance provider has made a place in the market as it provides the following benefits:
Apollo Munich offers the following Health Insurance Plans that cover medical costs in case of hospitalization, right from accidents to critical illnesses. They are as follows:
This is a basic health insurance plan, which offers coverage for medical expenses in case of hospitalization. There are three different variants of this plan namely Standard, Exclusive and Premium, which vary in terms of benefits offered. Standard plan is the most basic of the three variants while Premium is the most advanced version. All the plans cover health expenses on individual policy or family floater basis.
Family Floater Coverage
This is a family floater plan which offers coverage for health costs of the entire family in range of Rs.2 lakh to Rs.5 lakh for members between age 5 years to maximum of 65 years and dependent children from age 91 days on wards.
A maximum of 2 adults and 5 children can be covered under the floater.
Family Floater Coverage
Family Floater Coverage
If want to buy Easy Health plan for yourself or your family on individual or family floater basis then more about the coverage offered and related terms and conditions, please click here for more details on individual coverage and click here for more details on family floater coverage.
This is a health insurance plan with restore benefit offered by Apollo Munich. It offers coverage on individual or family floater basis given below are the details of each plan.
Family Floater Coverage
If you want to buy a health insurance plan with restore benefit offered by Apollo Munich, please click here to know more about the coverage offered.
This health insurance policy covers expense for treatment of regular illnesses along with hospitalization expenses and outpatient expenses. The details of coverage offered are:
This plan is designed especially for people with type 2 diabetes and hypertension. It provides coverage for these illnesses right from day 1 of the policy period. The details of the coverage offered are:
This is a critical illness benefit plan offered by Apollo, which offers a lump sum amount equal to sum insured upon diagnosis of critical illness listed in the policy wording.
This is a personal accident disability plan offered by Apollo, which provides compensation in case of death or disability due to accident. The details of coverage offered are as follows:
Ensure that this plan is best suited for your needs; contact Coverfox to know all the terms and conditions under this policy.
This is a top-up plan, a plan with an agreed upon deductible amount to be paid at the time of claim, here are the details of coverage offered:
Before you buy this plan have a look at the terms and conditions, please click here.
This is an aggregate top-up plan, which gives you flexibility to choose the deductible and coverage amount. The details are as follows:
Some of the main exclusions of a health policy offered by Apollo Munich are as follows:
Another main factor that as a policyholder, you should consider is the concept of waiting period. Until the waiting period lapses, no coverage is offered. For instance, if a pre-existing disease coverage comes with a waiting period of 3 years, it means that since the day the policy has been issued, there would be no coverage for those disease and its related expenses for the first three years. Similarly, the waiting period for some other disease might be different.
The eligibility criteria to buy Apollo Munich’s health insurance plan varies with each policy. The following table describes the criteria for each:
|Health Insurance Plan||Minimum Entry Age||Maximum Entry Age|
|Apollo Munich Optima Restore||5 years (newborn: 91 days)||65 years|
|Apollo Munich Energy||18 years||65 years|
|Apollo Munich Easy Health||5 years (newborn: 91 days)||65 years|
|Apollo Munich Easy Health- Premium||5 years (newborn: 91 days)||65 years|
|Apollo Munich Easy Health- Popular||5 years (newborn: 91 days)||65 years|
|Apollo Munich Optima Cash||5 years (newborn: 91 days)||65 years|
|Apollo Munich Optima Cash- Top-up||5 years (newborn: 91 days)||65 years|
|Apollo Munich Maxima||5 years (newborn: 91 days)||65 years|
|Apollo Munich Optima Super||5 years (newborn: 91 days)||65 years|
|Apollo Munich Optima Vital||5 years (newborn: 91 days)||65 years|
The Health Insurance Policy can be claimed through two ways: Cashless settlement at the network hospital and Re-imbursement after the treatment/hospitalization. However, in both scenarios, an early intimation to the insurance company is mandatory. A pre-approval needs to be in place for a planned hospitalization.
Note: If you are a Coverfox customer, you can directly reach out to us for all your claim-related issues and queries.
The company’s website offers the facility of calculating your premium online with an online premium calculator. Using this calculator is simple as all you need to do is follow a few simple steps. Select the policy, choose the location from the drop down, provide the family size, the sum insured, age of the eldest member as well as the deductible amount. Now, this calculator will provide you with the base premium, gross premium and discounted premium amount per year. Based on this, you can take an informed decision of whether or not to buy the policy.
Apollo Munich offers lifetime renewability for all its health insurance policies. To renew the policy, you need to make a renewal payment atleast 60 days before the expiration date. The amount of renewal is based on the age of the policyholder at the time of renewal. In case you miss out on renewing the policy within the grace period, then you will have to buy a new policy altogether.
To renew the policy online, simply visit the official website of Apollo Munich Health insurance and login with your registered email id and password, pay the renewal premium and your policy will be renewed instantly. There is also a possibility to login with your policy number. However, the health insurance policy has a policy number that shall change every time during renewal.
The documents required to buy Apollo Munich’s health insurance policy is same as buying any other health insurance policy. The documents are as follows:
Apollo Munich has a highly acclaimed list of Apollo Munich Health Insurance Network Hospitals that provide world class service. The insurance provider is registered with 4650+ hospitals PAN India who are devoted to help patients with their cashless claim facility.
Apollo Munich has a well-trained customer service staff and a robust website that answers all your queries. Simply log on to the official website and visit the ‘Customer Service’ tab. Following options shall be visible to you:
With such inspiring statistics, the company has the determination, the recognition and the assets to upraise itself on top of the health insurance domain in India. Do contact Coverfox at 1800-209-9970 if you are looking to buy a new Health Plan or considering porting from your current insurer.
Does Apollo Munich Cover Pregnancy?
While Apollo Munich does not cover pregnancy in standard insurance plans, the Easy Health Family Floater Premium plan provides maternity benefits to the mother and the new born child.
How do I cancel my Apollo Munich Health Insurance?
If you want to cancel or terminate your policy, you can give a written notice at any Apollo Munich branch or call on 1800 102 0333.
Does Apollo Munich cover cancer?
Yes, Optima Vital, a health insurance plan by Apollo Munich covers 37 critical illnesses, including cancer. Read More About Apollo Munich iCan Cancer Insurance Plan
How do I claim or indemnify the medical benefits under Apollo Munich Health Insurance?
The expenses or benefits can be claimed or indemnified by reimbursement or by availing cashless services at the hospitals.
Who is TPA of Apollo Munich Health Insurance?
For all retail policies, Apollo Munich has an in-house claim settlement team. For group policies, the company’s major TPA is Family Health Plan Limited (FHPL). However, the firm also uses some other TPAs depending on the company’s requirement.
What is a pre-existing disease or condition under Apollo Munich Health Insurance?
By Pre-existing Condition, Apollo Munich refers to any condition, injury or ailment etc. for which you had signs or symptoms, and / or were diagnosed, and / or received medical advice/ treatment, within 48 months prior to the first policy issued by the insurer.
How do I avail cashless benefit under Apollo Munich health insurance?
To avail cashless benefit, you need to show the Apollo Munich Health Card to the treating doctor when you get hospitalized at the network hospital. The Network Hospital would contact the responsible TPA (Third Party Administrator mentioned on the card) and fill up the pre-authorization form. Then it would send the same to TPA with estimation and approval of expenses.
How can I add my family members to my existing Apollo Munich Health Insurance policy?
To add a family member to your existing policy, you will be required to fill the Change Request Form. Submit the form to Apollo Munich’s nearest branch along with the revised premium. Please note that a mid-policy term addition will be available only for a new born and a newly-wed spouse.
What is Restore Benefit in the Apollo Munich Health Plan?
A Restore benefit in Apollo Munich is a benefit that which reinstates your sum insured when it gets exhausted. This happens within a policy period and is dependent on the terms and conditions of the plan.