About Apollo Munich Health Insurance Company Limited

Apollo Munich, now known as HDFC ERGO, is a leading health insurance provider. With one of the most comprehensive catalogue of plans, Apollo Health protects your finances with full coverage healthcare policies. They prevent your healthcare charges from denting your wallet, ensuring you stay financially stress-free in times of burden.

With over 10,000 network hospitals, lifelong renewability, a 3-year waiting period, and a 62.47% claim settlement ratio, Apollo offers holistic healthcare coverage. Their health, accident, critical illness, cancer, and travel insurance policies come with additional rider benefits and several discounts and rebates while being completely portable. Such advantages are reflected in the numerous glowing Apollo Munich health insurance reviews.

Apollo Munich Health Insurance Products :

• Optima Restore
• Energy
• Easy Health
• Optima Cash
• Maxima
• Optima Super
• Optima Vital
• Dengue Care
• iCan Cancer
• Easy Travel

Let’s take a closer look at the Apolo Munich health insurance plans and their benefits.

Apollo Munich Optima Restore

• Entry Age: Min: 5 years; Max: 65 (newborn entry: 91 days, subject to insured parent)
• Waiting Period: 1-3 years
• Policy Term: 1-2 years
• Sum Assured: Rs. 3 - 50 lakhs
• Pre and Post-Hospitalization: 60 and 180 days, respectively.

Other benefits:

• Cashless treatment at 4500+ network hospitals
• Home treatment facility
• Emergency ambulance and daily hospitalization cash coverage

Apollo Munich Energy

• Entry Age: Min: 18 years; Max: 65
• Waiting Period: N/A
• Policy Term: 1-2 years
• Sum Assured: Rs. 2 - 50 lakhs
• Pre and Post-Hospitalization: 30 and 60 days, respectively

Other benefits:

• 25% discount on the premium amount if insured participates in wellness programmes
• Medical tests and Apollo Health check-ups provided under the Gold Plan
• Intended for patients of diabetes and hypertension

Apollo Munich Easy Health

• Entry Age: Min: 5 years; Max: 65 (newborn entry: 91 days, subject to insured parent)
• Waiting Period: 24 - 36 months
• Policy Term: 1-2 years
• Sum Assured: Rs. 1 - 50 lakhs
• Pre and Post-Hospitalization: 60 and 90 days, respectively

Other benefits:

• Recovery Benefit: Rs. 10,000 for hospitalisation over 10 days
• Emergency Ambulance: Up to Rs. 2000/hospitalization
• Optional critical illness rider coverage for cancer, bypass surgery, kidney failure, first heart attack, major organ transplant etc. Insured received Rs. 10 lakhs lump-sum payment upon critical illness diagnosis.

Apollo Munich Optima Cash

• Entry Age: Min: 5 years; Max: 65 (newborn entry: 91 days, subject to insured parent)
• Waiting Period: 4 years for pre-existing conditions
• Policy Term: 1-2 years
• Sum Assured: Daily cash limit is Rs. 3000
• Pre and Post-Hospitalization: Cash Amount payable after 24 hours hospitalisation

Other benefits:

• Maternity Benefit: Full reimbursement for giving birth once in the policy term
• Convalescence cash for hospitalisation longer than 7 days

Appolo Munich Maxima

• Entry Age: Min: 5 years; Max: 65 (newborn entry: 91 days, subject to insured parent)
• Waiting Period: 48 months for pre-existing conditions
• Policy Term: 1-2 years
• Sum Assured: Rs. 3 lakhs
• Pre and Post-Hospitalization: 30 and 60 days, respectively. (Can be increased to 60 and 90)

Other benefits:

• No sub-limits on medical expenses
• Receive coverage for pre-existing conditions from the first day of the policy term
• Covers maternity expenses for normal and caesarean delivery
• Cumulative bonus of up to 50% of sum assured

Apollo Munich Optima Super

• Entry Age: Min: 5 years; Max: 65 (newborn entry: 91 days, subject to insured parent)
• Waiting Period: 48 months
• Policy Term: 1-2 years
• Sum Assured: Rs. 5 - 10 lakhs
• Pre and Post-Hospitalisation: 60 and 90 days, respectively

Other benefits:

• Consistent premium payment gives insured waivers of deductibles.
• Insured enjoys cashless treatment
• Covers 144 daycare procedures

Apollo Munich Optima Vital

• Entry Age: Min: 18 years; Max: 65
• Waiting Period: 48 months
• Policy Term: 1-2 years
• Sum Assured: Rs. 10 - 50 lakhs (Maximum is Rs. 20 lakhs if insured’s age>50)
• Pre and Post-Hospitalization: N/A

Other benefits:

• Covers critical illnesses that could leave the insured bankrupt
• Claim-Free Bonus: Increased sum assured for claim-free years
• Coverage for second expert opinion

Apollo Munich Dengue Care

• Entry Age: 18 - 65 (Adult); 91 days - 25 years (Child)
• Waiting Period: 15 days
• Policy Term: 1-2 years
• Sum Assured: Rs. 50,000 - 1,00,000
• Pre and Post-Hospitalization: 15 days

Other benefits:

• Same premium for sum assured across all ages
• Rs. 10,000 for Outpatient Treatment, Pharmacy, Diagnostic tests, Outpatient Consultation, Home nursing
• Shared accommodation benefit coverage

Apollo Munich iCan Cancer

• Entry Age: 5 years minimum
• Waiting Period: 120 days
• Policy Term: 1-2 years
• Sum Assured: Rs. 5 - 50 lakhs
• Pre and Post-Hospitalization: 30 days pre-hospitalization

Other benefits:

• Emergency Ambulance: Rs. 2000/hospitalization coverage
• Lifelong coverage
• Cashless treatment

Apollo Munich Easy Travel

• Entry Age: 6 months - 70 years
• Waiting Period: N/A
• Policy Term: Covers travel duration up to 180 days
• Sum Assured: $25,000 - 5,00,000
• Pre and Post-Hospitalization: N/A

Other benefits:

• Daily cash allowance for 24 hours hospitalisation charges
• Compensation for unforeseen delays or cancellations due to hospitalisation, death, or other acts of God under Apollo Munich travel insurance
• Coverage against death or permanent & total disablement due to an accident

The Benefits Offered by Apollo Health Insurance

The range of plans offered by Apollo means that with Apollo, life gets much easier. This is due to many reasons:

• Their 85% customer satisfaction rate from the 5.2 million customers is a testament to their extensive protection against health emergencies with 80 product variants of their 16 products.
• Apollo Munich insurance has over 10,000 network hospitals pan-India, giving you access to cashless facilities wherever you are.
• 97% of Apollo insurance policies are issued in 3 days, contributing to an efficient claim process. You can also earn up to 100% with their no claim bonus.
• Their stay active benefit and restore benefit further prove how deserving their plans are of the 5-star ratings and the 100+ awards they have received.
• At apollomunichinsurance.com, you can avail their efficient, quick and transparent customer service. This makes the Apollo Munich policy renewal process much easier. You can also access their healthline with healthcare experts giving you advice about how to best take care of yourself. This healthline is open from Monday to Friday, from 9 am-6 pm. Just dial 1800-102-0099 - their toll-free number.
• Using the Apollo Munich login page (aka the health and wellness portal), you can access the full range of Apollo’s online services.
• Your premiums under Apollo Munich are tax-deductible under Section 80(D) of the Indian Penal Code.

Apollo Munich Health Insurance Premium Calculator

On the Apollo Munich website, you can calculate your premium. This calculator is based on various factors:

• Your age
• Your medical history
• The number of members under your plan
• Your sum assured
• Your gender
• The type of health plan you want

Simply log into apollomunichinsurance.com and find out your predicted premium!

Apollo Munich’s Claim Settlement Ratio

In 2018-19, Apollo Munich’s Health Insurance claim settlement ratio was 62.47%. This is a decent rate, making Apollo more trustworthy in its ability to recognise invalid claims. It also offers both the reimbursement and cashless claim settlement processes. Depending on whether your treatment happens at a network hospital or not, you need to submit the correct Apollo Munich claim form.

Reimbursement Process

• Submit documents within 15 days of hospitalisation.
• Receive payment within 30 days
• Receive settlement statement with the name of the proposer

Cashless Process

• Notify Apollo Munich within 24 hours of hospitalisation or 48 hours prior for planned hospitalisation
• The hospital will receive an authorisation letter for cashless treatment
• If documentation is insufficient, the hospital will be notified of the same within 6 hours

Always ensure you have the correct documents so your claim process goes smoothly and your claim is validated!

Apollo Munich Health Insurance Renewal Procedure

• Visit cover360.in and go to our renewal page
• Enter the details asked
• You will be taken to the Apollo Munich website to complete the process
• Go to Apollo Munich health insurance login page and log in to make the payment
• Make your premium payment and complete the renewal procedure. Your receipt will be emailed to you.

If you have any further questions, please contact us and our experts will assist you happily!