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Get Lowest Rates for Apollo Munich Easy Health Insurance Plan

Mediclaim Plans starting @ Rs 250* / month

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Apollo Munich Easy Health Insurance Plan

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.

Please Note: Apollo Munich Health Insurance is now HDFC ERGO Health (formerly Apollo Munich Health Insurance)

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
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Day Care Treatments

Includes surgical processes conducted using local or general anaesthesia which requires less than 24 hours of hospitalization because of technological advancement in healthcare. Each company has a specific list of processes which are covered under this category.

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

No-Claim Benefits
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No-Claim Benefits

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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
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Organ Donor Cover

Includes coverage for in-patient hospitalization expenses, offered to an organ donor for his/her treatment on harvesting an organ for the insured.

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

Pre Hospitalization
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Pre Hospitalization

Medical expenses incurred immediately before the insured individual is hospitalized are covered under this benefit. Usually, expenses up to 30 to 90 days before hospitalization are covered under the policy only after the in-patient hospitalization claim is accepted by the insurance company.

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

Post Hospitalization
Definition
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Post Hospitalization

Medical expenses incurred immediately after the hospitalization are covered under this benefit.The coverage under this benefit would be available only for approved in-patient hospitalization claim is accepted by the insurance company. Usually, expenses up to 30 to 180 days post discharge are covered under the policy.

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
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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
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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
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DAILY HOSPITALIZATION ALLOWANCE

Includes lump sum compensation offered in some plans on a daily basis after every 24 hours of hospitalization. The amount offered under this benefit could be used to cover expenses additional to hospitalization expenses.

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
Definition
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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
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Non- Allopathic Treatment Expense Cover

Includes complimentary health check-up provided by the insurance companies for certain health insurance plans.

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
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Definition
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Emergency Ambulance

Includes coverage for expenses on ambulance for hospitalization of the insured.

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

HOME HOSPITALIZATION/DOMICILIARY HOSPITALIZATION
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Home Hospitalization/ Domiciliary Hospitalization

Includes coverage for expenses borne when active treatment is provided to the insured (especially older patients) by health care professionals in the patient's home.

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
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Non - Allopathic Treatment Expense Cover

Includes coverage for expenses on treatment which do not use allopathic methods like Aurveda, Homeopathy, etc. The terms and conditions are different for different policies. This benefit is also refered to as Ayush benefit or Alternative treatment by some the insurers.

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
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E-OPINION

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

EYE-COVER
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Eye-cover

Includes coverage for expenses on out-patient treatment of eyes. In some cases cost of spectacle is also covered under this benefit.

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

MATERNITY COVER
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Maternity cover

Includes coverage for delivery or related expenses of the insured. At times coverage for the new-born child is also provided under this benefit. https://www.coverfox.com/health-insurance/maternity-health-insurance/

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
Definition
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New Born Baby Cover

The plan offers to take care of the delivery cost and subsequent expenses related to your little bundle of joy.

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
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Critical Illness Cover

Includes additional coverage offered by some of the insurance companies to the insured upon diagnosis of any one of the listed critical illnesses. Read more.

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
Definition
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Recovery Benefit

Includes lump sum benefit offered to an insured by some of the insurance companies after the hospitalization exceeds certain number of days. This benefit is also referred to as Convalescence benefit by some companies. Critical Illness Cover: Includes additional coverage offered by some of the insurance companies to the insured upon diagnosis of any one of the listed critical illnesses. https://www.coverfox.com/health-insurance/critical-illness/

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
Definition
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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
Definition
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Critical Illness Cover

Includes additional coverage offered by some of the insurance companies to the insured upon diagnosis of any one of the listed critical illnesses. https://www.coverfox.com/health-insurance/critical-illness/.

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
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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
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Cooling Off Period

The period begins right after commencement of the policy within which you cannot claim for any illness except claims related to accident. This period is not applicable for subsequent renewals.

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

Specific Illnesses
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Specific Illness

The ailments of specific severity listed in the policy document are included under this category.

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

Pre-Existing Illnesses
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Pre-Existing Illnesses

The ailments that the insured was already diagnosed with before taking the policy.

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

Critical Illness
Definition
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Critical Illness

Includes additional coverage offered by some of the insurance companies to the insured upon diagnosis of any one of the listed critical illnesses. https://www.coverfox.com/health-insurance/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
Definition
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Maternity

Includes coverage for delivery or related expenses of the insured. At times coverage for the new-born child is also provided under this benefit. https://www.coverfox.com/health-insurance/maternity-health-insurance/

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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