Apollo Munich is Here with its Health Insurance Plans

Health Insurances 203 views

In today's times of spiralling medical expenses due to various diseases and ailments like heart dysfunction, renal failure, intestinal disorder and others, there emerges the growing need of a health insurance policy that can insure you against medical emergencies and thus avoid you getting financially stressed. The health insurance plans are necessitated by the increasing medical attention on surge in diseases buoyed by the poor lifestyle that most of us are caught up with. Also, when you look at the growth of your income, it may fall way short of the medical expenses, making you financially inept to handle such soaring costs. So you must take a health insurance policy from the insurers across the country. You can pick health insurance plans from a number of insurers like Apollo Munich Health Health Insurance Company, Bajaj Alliantz Health Insurance, HDFC Ergo Health Insurance, ICICI Lombard Health Insurance, Future Generali Health Insurance, etc. Today, we will discuss some health insurance plans of Apollo Munich Health Insurance Company, an entity that strives to become the leader in the space. The plans offered by the company include Apollo Munich Optima Health Restore Insurance Plan, Apollo Munich Easy Health Exclusive Insurance Plan, Apollo Munich Easy Health Premium Plan, among others.

Apollo Munich Optima Health Restore Insurance Plan

The plan, available to both individual and family, facilitates automatic restoration of the basic sum insured to the customer in the event of it being exhausted during the year. Some of the basic features of the plan include

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  • Cashless hospitalization facility in network hospitals of the company across India
  • Get pre-hospitalization cover for 60 days and post-hospitalization for 90 days
  • Cover daycare procedures not requiring 24 hours hospitalization
  • Cover for domiciliary treatment undertaken at home
  • Coverage of emergency ambulance charges up to Rs 2,000
  • Cover of treatment expenses for the organ donor during the time of organ transplantation
  • Get the lump sum amount if you opt for shared accommodation during the time of hospitalization
  • E-opinion facility allows you to get the second opinion from a medical practitioner chosen by you
  • You can get no-claim bonus of 50% if you have made any claim in a particular year, and the bonus can go up to 100%

Apollo Munich Easy Health Exclusive Insurance Plans

The health plan covers hospitalization expenses incurred on the treatment of diseases and medical emergencies. Features and benefits of the plan are discussed below.

  • Get sum insured option up to Rs 5 lacs
  • Cover for medical expenses owing to hospitalization
  • Facility of cashless hospitalization in network hospitals of the company across India
  • Pre-hospitalization cover available for 60 days
  • Post-hospitalization cover available for 90 days
  • Get the cover for daycare procedures not requiring 24 hour hospitalization
  • Cover for domiciliary treatment undertaken at home
  • Cover for ambulance charges up to Rs 2,000
  • Cover for treatment expenses incurred by the organ donor during the transplantation of the organ
  • You can get the lump sum amount if you opt for shared accommodation during the time of hospitalization
  • Avail Ayush Benefit by which you can get the cover for medical expenses owing to treatment done through Ayurveda, Homeopathy, Sidha and Unani
  • You can get additional cover for critical illness, the sum insured of which can range from 50%-100% of the basic sum insured
  • Minimum sum insured of Rs 1,00,000
  • Maximum sum insured of Rs 10,00,000
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Apollo Munich Easy Health Premium Plan

The health plan covers hospitalization expenses incurred on the treatment of diseases and medical emergencies. Features and benefits of the plan are discussed below.

  • Get sum insured option of up to Rs 50 lacs
  • Cover for medical expenses owing to hospitalization
  • Facility of cashless hospitalization in network hospitals of the company
  • Pre-hospitalization cover available for 60 days
  • Post-hospitalization cover available for 90 days
  • Cover for daycare procedures not needing 24 hour hospitalization
  • Domiciliary treatment cover if it is undertaken at home
  • Emergency ambulance charge cover for up to Rs 2,000
  • Cover for treatment expenses incurred by the organ donor during the transplantation of the organ
  • You can get the lump sum amount if you opt for shared accommodation during the time of hospitalization
  • Avail Ayush Benefit by which you can get the cover for medical expenses owing to treatment done through Ayurveda, Homeopathy, Sidha and Unani
  • You can get additional cover for critical illness, the sum insured of which can range from 50%-100% of the basic sum insured
  • Minimum sum insured of Rs 1,00,000
  • Maximum sum insured of Rs 10,00,000
  • A comprehensive health check up is provided for free if you do not make claims for 4 years
  • Get the cover for maternity expenses pre and post childbirth procedures
  • You can get the cover for new born baby from 1-90 days
  • A lump sum is paid during the hospitalization of an insured child on the condition that the adult accompany the child during that time
  • If the hospitalization is more than 10 days, a recovery benefit of Rs 10,000 will be given
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