Easy Health Insurance Plan

    Apollo Munich Health Insurance

    Apollo Munich's Easy Health Insurance is one the decent health insurance plans because of the extensive coverage offered by the company. It covers hospitalization expenses, all day care procedures, domiciliary/home treatment, maternity expenses, daily cash for choosing shared accommodation is covered with date of admission and discharge included, and a lot of other medical costs. The plan also gives the choice to add a critical illness cover thereby ensuring an end-to-end cover.

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    Highlights of Apollo Munich Easy Health Plan

    • Available in Individual and Family Floater option in three variants:
      • Standard – Sum Insured Rs.1 lakh – Rs.5 lakh
      • Exclusive – Sum Insured Rs.3 lakh – Rs.50 lakh
      • Premium – Sum Insured Rs.3 lakh – Rs.50 lakh
    • Elective cover for Critical illness for wider protection
    • Option to switch from the existing health policy with another company during renewal without losing most of the accrued benefits (Portability)
    • Pre and Post hospitalization covered
    • Premium would be charged on basis the city of residence provided in application form
    • Tax benefits on the premium paid as per the prevailing Income Tax rules
    • Discount of 7.5% for a Two-year policy term. Similarly, a rebate of 5% & 10% on the premium if adding 2 or more than two members respectively.

    Scope of cover

    Indivdual Plan

    Entry Age

    For children : 91 days

    Adults :

    Minimum : 18 years

    Maximum : 65 years

    Number of Members Covered

    Maximum Members : 6

    Maximum Adults : 4

    Maximum Children : 5

    Sum Insured

    1 Lakh - 50 Lakh


    discount

    For longer policy term

    Family Discount

    Family Discount


    Policy Periods Available

    1, 2 years


    Pre-Policy Medical Check-up

    Age 46 Years and above

    Sum Insured 10L & above


    Family Floater Plan

    Entry Age

    For children : 91 days

    Adults :

    Minimum : 18 years

    Maximum : 65 years

    Number of Members Covered

    Maximum Members : 6

    Maximum Adults : 2

    Maximum Children : 5

    Sum Insured

    1 Lakh - 50 Lakh

    discount

    For longer policy term

    Family Discount





    Policy Periods Available

    1, 2 years


    Pre-Policy Medical Check-up

    Age 46 Years and above

    Sum Insured 10L & above


    Important Features

    Day Care Treatments

    The plan covers the expenses towards all day-care procedures that would otherwise require hospitalization of a minimum of 24 hours.

      No-Claim Benefits

      For every claim-free year, you will be entitled to a 10% cumulative bonus for the next policy year up to a maximum of 100% of the sum insured. In case a claim is made during a policy year, the cumulative bonus would reduce by 10% in the following year.

        Organ Donor Cover

        Covers for the medical expenses for harvesting the organ from the donor for transplantation up to a limit of sum insured.

          Pre Hospitalization

          Compensates for the Pre-Hospitalisation expenses for consultations, investigations and medicines incurred up to 60 days before Hospitalisation

            Post Hospitalization

            Compensates for the Post-Hospitalisation expenses for consultations, investigations and drugs incurred up to 90 days after discharge from Hospitalisation.

              Good to Have Benefits

              PORTABILITY

              If you are currently insured with a different insurer and wish to switch to Apollo Munich's Easy Health Family Plan, you can do the same without losing your accrued benefits after the waiting periods.

                TAX BENEFITS

                You can avail tax benefits for the premium amount paid towards this plan under Section 80D of the Income Tax Act,1961.

                  DAILY HOSPITALIZATION ALLOWANCE

                  Depending on the plan you have opted for, you can get a daily cash allowance for up to Rs. 1,000 up to a maximum limit of Rs. 6,000. It includes coverage of date of admission and discharge charges as well.

                    DAILY CASH FOR ACCOMPANYING AN INSURED CHILD

                    Depending on the plan you have opted for, you can get a daily cash allowance for up to Rs. 800 up to a maximum limit of Rs. 24,000.

                      HEALTH CHECK-UP

                      The plan allows you for a complimentary health check at the block of every 2-4 claim free years up to a defined limit depending on the variant.

                        Emergency Air Ambulance
                        Video

                        Compensates you for hospitalization towards the emergency ambulance services for sum insured more than or equal to 15 lacs.

                          HOME HOSPITALIZATION/DOMICILIARY HOSPITALIZATION

                          You can avail treatment at home up to the base sum insured. There are certain terms and conditions related to this privilege, and you can refer them in the policy wordings.

                            NON-ALLOPATHIC TREATMENT COVER

                            The plan covers for expenses incurred on treatment taken under Ayurveda, Unani, Sidha and Homeopathy in a government hospital or any institute recognized by the state and/or accredited by Quality Council of India/National Accreditation Board on Health subject to amounts specified in the Schedule of Benefits.

                              Value Adds

                              E-OPINION

                              The plan also provides second opinion post diagnosis of critical illness in the Premium variant.

                                EYE-COVER
                                Video

                                The Premium variant covers for Spectacles, Contact Lenses, Hearing Aid Every Third Year restricted to a limit of Rs.7,500.

                                  MATERNITY COVER

                                  Based on the plan you opt, the Maternity expenses will be covered up to Rs, 30,000 and Rs. 50,000 for a normal and a cesarean delivery respectively.

                                    NEW BORN BABY COVER

                                    Compensates for any medical expenses towards the treatment of the newborn baby. This applies if you have aleady submitted the proposal to the insurance company to add the new baby to the policy within 90 days of the birth, and paid the applicable premium if any.

                                      DENTAL COVER

                                      The Premium variant covers for any outpatient dental treatment up to 1% of sum insured restricted to a limit of Rs.7,500.

                                        RECOVERY BENEFIT

                                        In the Premium & Exclusive option, you can get the Recovery benefit of Rs.10,000 for the hospitalization of more than ten days.

                                          FREE LOOK PERIOD

                                          For any reason, should you decide not to proceed with the policy, you can return the same and request for a refund within 15 days from the date of receipt of the policy document.

                                            Add-on Covers

                                            CRITICAL ILLNESS COVER

                                            This is an optional coverage, and if opted, depending on the plan variant, you can choose either 50% or 100% of your base sum insured up to a maximum of Rs. 10 Lacs. The survival period of the critical illness claim is 30 days.

                                              CRITICAL ADVANTAGE RIDER

                                              You can opt to cover yourself worldwide at the network centers of the company against treatment expenses for eight major illnesses. This rider offers you freedom to not only avail best healthcare services world over but also covers all travel costs for the insured and accompanying relative, accommodation expenses, second opinion & post hospitalization expenses.

                                                Waiting Period

                                                Cooling Off Period

                                                A 30 days cooling off period for all claims except any arising out of accidental injuries.

                                                  Specific Illnesses

                                                  The policy covers some specific diseases/treatments only after 24 months. These include Cataract, Hysterectomy, Myomectomy for Fibroids, and so forth.

                                                    Pre-Existing Illnesses

                                                    You can claim for any pre-existing conditions after 36 months from the policy start date.

                                                      Critical Illness

                                                      Claim for any Critical Illness within 90 days of the commencement of the policy in the first year and does not apply to subsequent renewals.

                                                        Maternity

                                                        A waiting period of four years for any claim related maternity and connected costs.

                                                          Permanent Exclusions

                                                          The Plan will not cover any liabilities towards the treatments of following conditions-

                                                          • Attempted suicide
                                                          • Use of alcohol or drug
                                                          • AIDS
                                                          • Congenital disease
                                                          • Infertility and in vitro fertilization.
                                                          • Hospitalization out of war, riot, strike and nuclear weapons

                                                          The detailed list of what the policy does not cover is available in the policy wording.

                                                          Review of Easy Health Insurance Plan

                                                          With an extensive coverage towards in-patient and domiciliary hospitalizations, Apollo Munich's Easy Health Insurance is power packed with significant benefits. When you are looking to invest in a decent individual or a family health insurance plan factors such as room rent limit, co-pay, and coverage primarily form the basis of your decision, and Easy Health Insurance gets brownie points here. Another unique feature of the plan is the option to go for the Critical Illness rider. With an extra premium, you can secure your entire financial future.

                                                          **Reviews and ratings are based only on Benefits and Conditions. Things like Claim Settlement Ratio, Hospital Network have not been covered under product ratings. These are covered under Company ratings.

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