Travel Insurance from Apollo Munich

When travelling to a new location, safety is a primary concern for anyone. Hence, Apollo Munich has come up with attractive travel insurance plans that ensure complete safety and financial security while you travel abroad.

Apollo Munich offers best in class emergency assistance across the globe.

This company offers various types of travel insurance policies for students, senior citizens, families and for frequent travellers. Apollo Munich offers unique features such as coverage for all medical emergencies, automatic policy extension, no upper age limit, and attractive premium charges, etc.

Types of Coverages

Medical expenses - if you are away from your home, you would be covered for any surgical or emergency medical treatment.
Trip cancellation and trip interruption - if you are unable to take your flight or cancel your entire trip due to any medical emergency, then trip cancellation would be covered.
Personal liability cover - if you are found liable for any bodily injuries to someone due to an accident or damage someone’s property, then personal liability cover would take care of such expenses.
Loss of passport - if you lose your passport while you travel abroad, then the entire expenses to get a duplicate passport would be - Terrorism - if you need any medical assistance during any act of terrorism, then the same would be offered here.
Repatriation of remains - offers coverage for expenses to take the insured’s mortals or human remains back to the home country.

Apollo Munich Travel Insurance – Benefits

Comprehensive Travel Insurance plans to suit your needs.
Offers dental treatment caused due to an accident.
Complete support in any kind of medical or non-medical emergency.

Types of Apollo Munich Travel Insurance Plans

Apollo Munich travel insurance policy is an extensive travel insurance plan with medical and travel inconvenience benefits. It brings you a comprehensive travel insurance plan that checks out the worries of uninvited troubles on your dream family holiday. Apollo Munich travel insurance offers different types of plans. They are mentioned as below:

Easy Travel- Individual
Easy Travel- Family
Easy Travel- Senior Citizen
Easy Travel- Annual Multi-Trip Plan

Let us now look at the different types of travel insurance plans offered by Apollo Munich Travel Insurance.

Easy Travel- Individual

Any person falling under the age group of 6 months to 70 years can opt for this type of travel insurance plan. It can be issued for travel duration of up to 180 days. Here the plan ranges from $25000 to $500,000.

Benefits and features:

Offers coverage for medical evacuation, emergency medical or surgical treatment and outpatient care.
Offers daily cash benefit for more than 24 hours continuously.
Offers personal accident cover only in case of death or permanent disability due to an accident.
Offers coverage for total loss of checked-in baggage.
Offers repatriation of human remains to the insured's home country.
Offers dental treatment caused due to an accident.

Easy Travel- Family

Any person falling under the age group of 6 months to 70 years can opt for this type of travel insurance plan. This plan is useful if you are going on a vacation with your family. Instead of opting for an individual travel plan for each family member, you can opt for a family travel insurance plan. This plan comes in three options: Silver, Bronze and Asian Region. The sum insured here ranges from USD 25,000 – USD 1,00,000. This plan offers coverage to 2 children, not above 21 years and 2 adults.

Benefits and features:

Offers coverage for medical evacuation, emergency medical or surgical treatment and outpatient care.
Offers repatriation of human remains to the insured’s home country.
Offers dental treatment caused due to an accident.
Offers daily cash benefit for more than 24 hours continuously.
Offers personal accident cover only in case of death or permanent disability due to an accident.
Offers coverage for total loss of checked-in baggage.

Easy Travel- Senior Citizen

A foreign trip of our old senior citizens can be made stress-free and safe by opting for the Easy Travel – Senior Citizen plan. Any person falling under the age group of 71 years to 80 years can opt for this type of travel insurance plan. This plan comes in two options: Silver and Bronze for which the sum insured offered would be USD 50,000 and USD 1,00,000.

Benefits and features:

Offers coverage for medical evacuation, emergency medical or surgical treatment and outpatient care.
Offers repatriation of human remains to the insured’s home country.
Offers dental treatment caused due to an accident.
Offers daily cash benefit for more than 24 hours continuously.
Offers personal accident cover only in case of death or permanent disability due to an accident.
Offers coverage for total loss of checked-in baggage.
Offers coverage for loss of passport.
Offers financial assistance to the insured for travel funds lost whilst abroad.

Easy Travel – Annual Multi-Trip Plan

Easy Travel – Annual Multi-Trip plan is purely made for frequent travelers assuring them a comprehensive coverage. It is available in 4 options: Platinum, Gold, Silver and Asian Region. The sum insured offered here is USD 25,000 to USD 5,00,000. The policy duration is from 1 year and can be extended only up to 30/60 days of the total trip.

Benefits and features:

Offers coverage for medical evacuation, emergency medical or surgical treatment and outpatient care.
Offers daily cash benefit for more than 24 hours continuously.
Offers personal accident cover only in case of death or permanent disability due to an accident.
Offers coverage for total loss of checked-in baggage.
Offers repatriation of human remains to the insured’s home country.
Offers dental treatment caused due to an accident.

The deductibles for Apollo Munich's Easy Travel-Individual, Easy Travel-Family, Easy Travel-Senior Citizen and Easy Travel-Annual Multi-Trip Plan are mentioned below in a tabular format.

Benefits	Deductible
Dental treatment	USD 100
Medical treatment	USD 100
Loss of passport	USD 30
Hijack daily allowance	12 hours
Delay in checked-in baggage	12 hours
Hospital daily allowance	48 hours
Total loss of checked-in baggage	NIL

Educare Student Travel Insurance

The Apollo Munich Educare Student Travel Insurance offers coverage for any uncertainties arising whilst your travel abroad for education purpose. The plans are tailor-made for students as per the university requirements. It is made available in 4 different variants like Platinum, Gold, Silver and Bronze. The sum insured ranges between USD 50, 000 and USD 500,000.

Benefits and features:

Offers coverage for any medical emergency requiring in-patient and out-patient care. Medical evacuation coverage is also offered.
Offers dental treatment caused due to an accident.
Offers repatriation of human remains to the insured's home country.
Offers coverages for medical expenses for in-patient treatment taken in an Indian hospital. The period however should be within a maximum of 30 days from the end of risk period.
Offers coverage for total loss of checked-in baggage.
Offers personal accident cover only in case of death or permanent disability due to an accident.
Offers study interruption plan that will reimburse the expenses of tuition fees in case the student is unable to continue the same due to hospitalization for more than a period of 30 days.
Offers reimbursement of the expenses incurred for obtaining a duplicate passport if lost overseas.

Deductibles/ Sub-limits

Benefits	Deductibles
Personal accident	Nil
Delay of checked-in baggage	12 hrs
Loss of passport	USD 30
Personal liability	Nil
Total loss of checked-in-baggage	10% / 50%
Maternity benefits	Nil
Child care benefits	Nil

Apollo Munich Travel Insurance Exclusions

If the trip is planned only for the purpose of availing medical treatment.
Any suicide or attempted suicide, self-inflicted injury
HIV/ AIDS
Any pre-existing diseases
Any complications arising only due to childbirth or pregnancy
Use of drugs, alcohol or usage of any intoxicants
Participation in any naval, air force or military operations.
Any criminal activity
Involvement in scuba diving, aviation, rock-climbing, parachuting activities etc.

Claim Process of Apollo Munich Travel Insurance

Apollo Munich has a strong network of hospitals empaneled. It offers cashless treatment for health claims. To ensure smooth claim settlement process, Apollo Munich has made available online registration facility too.

You can register the claim through Apollo Munich’s Travel Insurance Company’s Customer Service Centre by phone/letter/email or in person. Below mentioned information should be provided while registering a claim with the company’s claim team:

Insured’s name, contact details and policy details.
Nature of incident
Date and time of the incident
Location of the incident

Review of Apollo Munich Travel Insurance

Apollo Munich travel insurance is the most deliberate insurance to cover flight delays, trip cancellations, medical expenses etc. while travelling. The plan strives hard to fulfill the needs of the family, students, senior citizens and frequent travelers. This company ensures the loss of finances and a budget planning for a safe and happy journey.

FAQs

What's not included in your Apollo Munich Travel Insurance Cover?

Having travel insurance can help you travel stress-free. But there are certain circumstances where the insurance might not be of any help:
Travelling against medical advice.
Travelling outside home country for medical treatment or cosmetic surgery.
Going for extreme, high-risk sports, like scuba diving and bungee jumping.
Losses when you were under the influence of narcotics or alcohol.

How do you compare plans before choosing one?

Whether you are a frequent traveler or insuring your dream vacation to an exotic destination, choose your travel insurance plan wisely. Compare on the basis of:
Coverage: Evaluate the coverage offered against the premium you would pay to strike the perfect balance.
Claim Settlement Ratio: Keep an eye on the reputation of the insurance company in disposing of claims and the speed of settlement.
Customer Service: Has to be quick and competent to handle travel emergencies arising in a different geographical location and time zone.
Exclusions and Deductibles: Know what's not covered in the policy. Remember that most insurers set a deductible amount, to be paid by the traveler during an emergency.

How can you seek assistance on your Travel Insurance in a foreign land?

Every insurance company offering Travel Insurance has a network of international assistance companies or partners who offer assistance in case you need any help in a foreign land. The contact numbers are usually mentioned in your policy documents. Did you know that these companies could do the following things for you?
Provide round-the-clock assistance.
Register a claim.
Coordinate with local service providers.
Arrange for medical assistance.
Organize for repatriation & evacuation services.