APOLLO MUNICH HEALTH INSURANCE CO. LTD.

Apollo Munich Insurance Co. Ltd. has launched the Easy Health Standard Insurance Plan for individuals with the FOLLOWING FEATURES:

· Sum insured per insured person per policy per year ranges from Rs.1 lac to Rs.5 lacs

· In patient treatment

· Pre-hospitalization

· Post-hospitalization

· Day care procedures

· Domiciliary treatment

· Organ donor

· Emergency ambulance for up to Rs.2000

· Daily cash for choosing shared accommodation worth Rs.500 per day subject to a maximum of Rs.3000

· Health check up to 1% of sum insured per insured person only once at the end of a block of every continuous 4 claim free years

The features bulleted below are NOT COVERED under this policy:

· Daily cash for accompanying an insured child

· Maternity expenses

· 50% or 100% additional of sum insured for additional cover for critical illness

· Out patient dental treatment with waiting period of 3 years up to 1% of sum insured subject to a maximum of Rs.5000

· Spectacles, contact lenses, hearing aid every 3^rd year up to Rs.5000

The minimum entry age for this policy is 91 days and the maximum entry age is 60 years. But children from 91 days to 17 years can only get this policy only if their parents already have this policy. And the maximum age allowed for a dependent child is 21 years.

ADDITIONAL BENEFITS:

· Medical expenses that are incurred due to illness during the 30 days immediately before being hospitalized will be increased to 60 days if Apollo is informed 5 days prior to hospitalization

· The medical expenses that are incurred in 60 days immediately after the patient is discharged from the hospital will be increased to 90 days if Apollo is informed 5 days prior to hospitalization

· Medical expenses for 140 day-care procedures that do not require 24 hours hospitalization due to technological advancement

· A policyholder gets a cumulative bonus of 10% for every claim-free year accumulating up to 50%. In the event of a claim this bonus will be reduced to 20% of sum insured on the next renewal

· If one is insured with some other company’s health insurance they can shift to Apollo on renewal. Apollo aims to achieve the transfer of most of the accrued benefits and makes due allowances for waiting periods

EXCLUSIONS:

· All treatments within the first 30 days of cover except any accidental injury

· Any pre-existing condition will be covered after a waiting period of 3 years

· Expenses arising from HIV or AIDS and related diseases

· Non-allopathic treatments, congenital diseases, mental disorder or insanity, cosmetic surgery and weight control treatments

· Abuse of intoxicant or hallucinogenic substances like drugs and alcohol

· Hospitalization due to war or an act of war or due to a nuclear, chemical or biological weapon and radiation of any kind

· Pregnancy, dental and external aids and appliances unless covered under the specific Easy Health Individual Insurance plan

· 2 years exclusion for specific diseases like cataract, hernia, hysterectomy, joint replacement

· Items of personal comfort and convenience

· Experimental, investigative and unproven treatment devices and pharmacological regimens

And this is not all. With these insurance plans one can presently avail tax benefits for the premium amount under Section 80D of the Income Tax Act.

PREMIUMS:

The premium amount is the base amount. Service tax is levied separately @10.3%.

You can buy Apollo Munich policies either online from their website www.apollomunichinsurance.com or call their toll free number 1800-102-0333 or they can also be picked up from companies dealing with Apollo products.

TERMS OF RENEWAL:

· Apollo offers life-long renewal unless the insured person or any one on her/his behalf has acted in a dishonest or fraudulent manner

· There is no maximum cover ceasing age

· The Waiting Periods mentioned in the policy get reduced by 1 year on every continuous renewal of the plan

The ADVANTAGESof buying a health insurance from Apollo Munich are:

1. The two companies involved in the business, Apollo and Munich, are known and established business houses in the medical sector

2. Their tie-ups are with more than 4000 hospitals across the country including the best hospitals also in any city

3. Their claim settlement service is excellent

4. Clients get cashless claim settlement service. A policyholder only needs to obtain a pre-approval for all planned admissions at least 48 hours prior to actual admission or within 24 hours post the admission in cases of emergency

5. All customers are given a customer ID through which they get help in primary consultation, health related counseling, individual referrals, health information, nutrition and diet

6. Every Apollo Munich health insurance customer is provided with an access to a health risk management tool that helps profile each member’s health status through the website

APOLLO MUNICH HEALTH INSURANCE CO. LTD.

Another health insurance policy for individuals by Apollo Munich Insurance Co. Ltd. is the Easy Health Standard Insurance Plan – Premium.

Given below are the SALIENT FEATURESof this policy:

· Sum insured per insured person per policy per year of Rs.4 lacs, Rs.5 lacs, Rs.7.5 lacs and Rs.10 lacs

· In patient treatment

· Pre-hospitalization

· Post-hospitalization

· Day care procedures

· Domiciliary treatment

· Expenses for organ donor of transplant

· Emergency ambulance for up to Rs.2000

· For sum insured of Rs.4lacsand Rs.5 lacs the daily cash for choosing shared accommodationavailable is Rs.500 per day subject to a maximum of Rs.3000

· For sum insured of Rs.7.5 lacsand Rs.10 lacsthe daily cash for choosing shared accommodationavailable is Rs.800 per day subject to a maximum of Rs.4800

· For sum insured of Rs.4lacsand Rs.5 lacs the daily cash available for accompanying an insured child is Rs.300 subject to a maximum of Rs.9000

· For sum insured of Rs.7.5 lacsand Rs.10 lacsthe daily cash available for accompanying an insured child is Rs.500 per day subject to a maximum of Rs.15000

· Maternity expenses with waiting period of 6 years. For categories of Rs.4lacsand Rs.5 lacs the entitlement for normal delivery is Rs.15000 (this includes Pre/post natal limit of Rs.1500 and newborn limit of Rs.2000) and for a caesarean delivery it is Rs.25000

· Maternity expenses with waiting period of 6 years. For sum insured of Rs.7.5 lacsand Rs.10 lacsthe entitlement for normal delivery is Rs.25000 (this includes Pre/post natal limit of Rs.2500 and newborn limit of Rs.3500) and for a caesarean delivery it is Rs.40000

· Health check up to 1% of sum insured per insured person only once at the end of a block of every continuous 2 claim free years

· 50% or 100% additional of sum insured for additional cover for critical illness

· Out patient dental treatment with waiting period of 3 years up to 1% of sum insured subject to a maximum of Rs.5000

· Spectacles, contact lenses, hearing aid every 3^rd year up to Rs.5000

The minimum entry age for this policy is 91 days and the maximum entry age is 60 years. But children from 91 days to 17 years can only get this policy only if their parents already have this policy. And the maximum age allowed for a dependent child is 21 years.

ADDITIONAL BENEFITS:

· Medical expenses that are incurred due to illness during the 30 days immediately before being hospitalized will be increased to 60 days if Apollo is informed 5 days prior to hospitalization

· The medical expenses that are incurred in 60 days immediately after the patient is discharged from the hospital will be increased to 90 days if Apollo is informed 5 days prior to hospitalization

· Medical expenses for 140 day-care procedures that do not require 24 hours hospitalization due to technological advancement

· A policyholder gets a cumulative bonus of 10% for every claim-free year accumulating up to 50%. In the event of a claim this bonus will be reduced to 20% of sum insured on the next renewal

· If one is insured with some other company’s health insurance they can shift to Apollo on renewal. Apollo aims to achieve the transfer of most of the accrued benefits and makes due allowances for waiting periods

EXCLUSIONS:

· All treatments within the first 30 days of cover except any accidental injury

· Any pre-existing condition will be covered after a waiting period of 3 years

· Expenses arising from HIV or AIDS and related diseases

· Non-allopathic treatments, congenital diseases, mental disorder or insanity, cosmetic surgery and weight control treatments

· Abuse of intoxicant or hallucinogenic substances like drugs and alcohol

· Hospitalization due to war or an act of war or due to a nuclear, chemical or biological weapon and radiation of any kind

· Pregnancy, dental and external aids and appliances unless covered under the specific Easy Health Individual Insurance plan

· 2 years exclusion for specific diseases like cataract, hernia, hysterectomy, joint replacement

· Items of personal comfort and convenience

· Experimental, investigative and unproven treatment devices and pharmacological regimens

And this is not all. With these insurance plans one can presently avail tax benefits for the premium amount under Section 80D of the Income Tax Act.

PREMIUMS:

The premium amount is the base amount. Service tax is levied separately @10.3%.

You can buy Apollo Munich policies either online from their website www.apollomunichinsurance.com or call their toll free number 1800-102-0333 or they can also be picked up from companies dealing with Apollo products.

TERMS OF RENEWAL:

· Apollo offers life-long renewal unless the insured person or any one on her/his behalf has acted in a dishonest or fraudulent manner

· There is no maximum cover ceasing age

· The Waiting Periods mentioned in the policy get reduced by 1 year on every continuous renewal of the plan

The ADVANTAGESof buying a health insurance from Apollo Munich are:

1. The two companies involved in the business, Apollo and Munich, are known and established business houses in the medical sector

2. They have no sub-limit on room rates, operation theatres and ICU

3. Their tie-ups are with more than 4000 hospitals across the country including the best hospitals also in any city

4. Their claim settlement service is excellent

5. Clients get cashless claim settlement service. A policyholder only needs to obtain a pre-approval for all planned admissions at least 48 hours prior to actual admission or within 24 hours post the admission in cases of emergency

6. All customers are given a customer ID through which they get help in primary consultation, health related counseling, individual referrals, health information, nutrition and diet

7. Every Apollo Munich health insurance customer is provided with an access to a health risk management tool that helps profile each member’s health status through the website

APOLLO MUNICH HEALTH INSURANCE CO. LTD.

For individuals Apollo Munich Insurance Co. Ltd. has also launched the Easy Health Standard Insurance Plan – Exclusive that has the FOLLOWING FEATURES:

· Sum insured per insured person per policy per year of Rs.3lacs, Rs.4 lacs, Rs.5 lacs and Rs.7.5 lacs

· In patient treatment

· Pre-hospitalization

· Post-hospitalization

· Day care procedures

· Domiciliary treatment

· Expenses for organ donor of transplant

· Emergency ambulance for up to Rs.2000

· For sum insured from Rs.3 lacs to Rs.5 lacs the daily cash for choosing shared accommodationavailable is Rs.500 per day subject to a maximum of Rs.3000

· For sum insured of Rs.7.5 lacs the daily cash for choosing shared accommodationavailable is Rs.800 per day subject to a maximum of Rs.4800

· For sum insured from Rs.3 lacs to Rs.5 lacs the daily cash available for accompanying an insured child is Rs.300 subject to a maximum of Rs.9000

· For sum insured of Rs.7.5 lacs the daily cash available for accompanying an insured child is Rs.500 per day subject to a maximum of Rs.15000

· Maternity expenses with waiting period of 6 years. For categories between Rs.3 lacs to Rs.5 lacs the entitlement for normal delivery is Rs.15000 (this includes Pre/post natal limit of Rs.1500 and newborn limit of Rs.2000) and for a caesarean delivery it is Rs.25000

· Maternity expenses with waiting period of 6 years. For sum insured of Rs.7.5 lacs the entitlement for normal delivery is Rs.25000 (this includes Pre/post natal limit of Rs.2500 and newborn limit of Rs.3500) and for a caesarean delivery it is Rs.40000

· Health check up to 1% of sum insured per insured person only once at the end of a block of every continuous 3 claim free years

· 50% or 100% additional of sum insured for additional cover for critical illness

The features bulleted below are NOT COVERED under this policy:

· Out patient dental treatment with waiting period of 3 years up to 1% of sum insured subject to a maximum of Rs.5000

· Spectacles, contact lenses, hearing aid every 3^rd year up to Rs.5000

The minimum entry age for this policy is 91 days and the maximum entry age is 60 years. But children from 91 days to 17 years can only get this policy only if their parents already have this policy. And the maximum age allowed for a dependent child is 21 years.

ADDITIONAL BENEFITS:

· Medical expenses that are incurred due to illness during the 30 days immediately before being hospitalized will be increased to 60 days if Apollo is informed 5 days prior to hospitalization

· The medical expenses that are incurred in 60 days immediately after the patient is discharged from the hospital will be increased to 90 days if Apollo is informed 5 days prior to hospitalization

· Medical expenses for 140 day-care procedures that do not require 24 hours hospitalization due to technological advancement

· A policyholder gets a cumulative bonus of 10% for every claim-free year accumulating up to 50%. In the event of a claim this bonus will be reduced to 20% of sum insured on the next renewal

· If one is insured with some other company’s health insurance they can shift to Apollo on renewal. Apollo aims to achieve the transfer of most of the accrued benefits and makes due allowances for waiting periods

EXCLUSIONS:

· All treatments within the first 30 days of cover except any accidental injury

· Any pre-existing condition will be covered after a waiting period of 3 years

· Expenses arising from HIV or AIDS and related diseases

· Non-allopathic treatments, congenital diseases, mental disorder or insanity, cosmetic surgery and weight control treatments

· Abuse of intoxicant or hallucinogenic substances like drugs and alcohol

· Hospitalization due to war or an act of war or due to a nuclear, chemical or biological weapon and radiation of any kind

· Pregnancy, dental and external aids and appliances unless covered under the specific Easy Health Individual Insurance plan

· 2 years exclusion for specific diseases like cataract, hernia, hysterectomy, joint replacement

· Items of personal comfort and convenience

· Experimental, investigative and unproven treatment devices and pharmacological regimens

And this is not all. With these insurance plans one can presently avail tax benefits for the premium amount under Section 80D of the Income Tax Act.

PREMIUMS:

The premium amount is the base amount. Service tax is levied separately @10.3%.

You can buy Apollo Munich policies either online from their website www.apollomunichinsurance.com or call their toll free number 1800-102-0333 or they can also be picked up from companies dealing with Apollo products.

TERMS OF RENEWAL:

· Apollo offers life-long renewal unless the insured person or any one on her/his behalf has acted in a dishonest or fraudulent manner

· There is no maximum cover ceasing age

· The Waiting Periods mentioned in the policy get reduced by 1 year on every continuous renewal of the plan

The ADVANTAGESof buying a health insurance from Apollo Munich are:

1. The two companies involved in the business, Apollo and Munich, are known and established business houses in the medical sector

2. They have no sub-limit on room rates, operation theatres and ICU

3. Their tie-ups are with more than 4000 hospitals across the country including the best hospitals also in any city

4. Their claim settlement service is excellent

5. Clients get cashless claim settlement service. A policyholder only needs to obtain a pre-approval for all planned admissions at least 48 hours prior to actual admission or within 24 hours post the admission in cases of emergency

6. All customers are given a customer ID through which they get help in primary consultation, health related counseling, individual referrals, health information, nutrition and diet

7. Every Apollo Munich health insurance customer is provided with an access to a health risk management tool that helps profile each member’s health status through the website

APOLLO MUNICH INSURANCE CO. LTD.

Apart from Easy Health Plans for individuals as well as for families and the Maxima 360-degree plan covering Outpatient expenses of pre-existing diseases, Apollo Munich also has an Individual Personal Accident Plan.

One such plan is the Individual Personal Accident Plan – Premium.

The FEATURES of this plan are:

· Sum Insured against Accidental Death can be Rs.5 lacs, Rs.10 lacs, Rs.15 lacs, Rs.25 lacs, Rs.50 lacs, Rs.100 lacs, Rs.200 lacs and Rs.500 lacs

· In case of Permanent Total Disablement the policyholder gets Accidental Death Sum Insured

· In case of Permanent Partial Disablement the policyholder gets Accidental Death Sum Insured

· Emergency ambulance charges of Rs.2000

· Family transportation of 1% of Accidental Death sum insured subject to a maximum of Rs.1 lac

· Transportation of mortal remains of 2% of Accidental Death sum insured subject to a maximum of Rs.10000

· Education fund equivalent to 10% of Accidental Death sum insured subject to a maximum of Rs.20000

· In case of Temporary Total Disablement get 100% of Accidental Death sum insured subject to a maximum of Rs.15 lacs

· In case of broken bones a policyholder gets 20% of Accidental Death sum insured subject to a maximum of Rs.1 lac

· Transportation of imported medicine up to 5% of Accidental Death sum insured subject to a maximum of Rs.20000

· Purchase of blood for up to 5% of Accidental Death sum insured subject to a maximum of Rs.10000

· 10% of Accidental Death sum insured subject to a maximum of Rs.1 lac will be given for modification of house/vehicle

· accidental in-patient hospitalization benefit of Rs.1 lac

ADDITIONAL BENEFITS:

· Lump sum payment in the event of death due to an accident

· In case of Accidental Death or Permanent Total Disablement get 50% of sum insured per dependent child up to a maximum of 2 dependent children for pursuing an educational course provided the children are pursuing the course as full time students in an educational institution

· In case of Accidental Death or Permanent Total Disablement get reimbursement of expenses incurred in transporting one immediate family member to the hospital provided the hospital is at least 200 kms from the insured person’s residence

· Get a weekly allowance in case of Temporary Total Disablement

· Get your medical expenses reimbursed for in-patient treatment in the hospital due to an accident

· Get a lump sum payment in the event of a fracture of a bone due to an accident as per the scale

EXCLUSIONS:

The policy will not compensate for any claims due to:

· Self inflicted injury, suicide or attempted suicide or abuse of intoxicants or hallucinogens including drugs and alcohol

· Pre-existing conditions and their complications

· HIV/AIDS, sexually transmitted diseases

· Pregnancy/child birth or its complications, congenital internal or external disease

· Participation or involvement in naval, military or air force operations, racing, diving, aviation, rock or mountain climbing, any breach of law with criminal intent

· War or any act of war, act of foreign enemy, public defense, rebellion, revolution, insurrection, military or usurped acts, chemical, radioactive or nuclear contamination

The ADVANTAGES of buying a health insurance from Apollo Munich are:

1. The two companies involved in the business, Apollo and Munich, are known and established business houses in the medical sector

2. They have no sub-limit on room rates, operation theatres and ICU

3. Their tie-ups are with more than 4000 hospitals across the country including the best hospitals also in any city

4. Their claim settlement service is excellent

5. Clients get cashless claim settlement service. A policyholder only needs to obtain a pre-approval for all planned admissions at least 48 hours prior to actual admission or within 24 hours post the admission in cases of emergency

6. All customers are given a customer ID through which they get help in primary consultation, health related counseling, individual referrals, health information, nutrition and diet

7. Every Apollo Munich health insurance customer is provided with an access to a health risk management tool that helps profile each member’s health status through the website

APOLLO MUNICH INSURANCE CO. LTD.

INDIVIDUAL PERSONAL ACCIDENT PLAN – STANDARD

Apart from Easy Health Plans for individuals as well as for families and the Maxima 360-degree plan covering Outpatient expenses of pre-existing diseases, Apollo Munich also has an Individual Personal Accident Plan.One such plan is the Individual Personal Accident Plan – Standard. The FEATURES of this plan are:

· Sum Insured against Accidental Death can be Rs.1 lac, Rs.2 lacs, Rs.3 lacs, Rs.5 lacs, Rs.7.5 lacs, Rs.10 lacs, Rs.25 lacs and Rs.50 lacs

· In case of Permanent Total Disablement the policyholder gets Accidental Death Sum Insured

· In case of Permanent Partial Disablement the policyholder gets Accidental Death Sum Insured

· Emergency ambulance charges of Rs.2000

· Family transportation of 1% of Accidental Death sum insured subject to a maximum of Rs.1 lac

· Transportation of mortal remains of 2% of Accidental Death sum insured subject to a maximum of Rs.10000

· Education fund equivalent to 10% of Accidental Death sum insured subject to a maximum of Rs.20000

· In case of Temporary Total Disablement get 100% of Accidental Death sum insured subject to a maximum of Rs.5 lacs

· Accident Medical Expenses will be given up to 10% of Accidental Death sum insured subject to a maximum of Rs.50000

ADDITIONAL BENEFITS:

· Lump sum payment in the event of death due to an accident

· In case of Accidental Death or Permanent Total Disablement get 50% of sum insured per dependent child up to a maximum of 2 dependent children for pursuing an educational course provided the children are pursuing the course as full time students in an educational institution

· In case of Accidental Death or Permanent Total Disablement get reimbursement of expenses incurred in transporting one immediate family member to the hospital provided the hospital is at least 200 kms from the insured person’s residence

· Get a weekly allowance in case of Temporary Total Disablement

· Get your medical expenses reimbursed for in-patient treatment in the hospital due to an accident

· Get a lump sum payment in the event of a fracture of a bone due to an accident as per the scale

EXCLUSIONS:

The policy will not compensate for any claims due to:

· Self inflicted injury, suicide or attempted suicide or abuse of intoxicants or hallucinogens including drugs and alcohol

· Pre-existing conditions and their complications

· HIV/AIDS, sexually transmitted diseases

· Pregnancy/child birth or its complications, congenital internal or external disease

· Participation or involvement in naval, military or air force operations, racing, diving, aviation, rock or mountain climbing, any breach of law with criminal intent

· War or any act of war, act of foreign enemy, public defense, rebellion, revolution, insurrection, military or usurped acts, chemical, radioactive or nuclear contamination

The ADVANTAGES of buying a health insurance from Apollo Munich are:

1. The two companies involved in the business, Apollo and Munich, are known and established business houses in the medical sector

2. They have no sub-limit on room rates, operation theatres and ICU

3. Their tie-ups are with more than 4000 hospitals across the country including the best hospitals also in any city

4. Their claim settlement service is excellent

5. Clients get cashless claim settlement service. A policyholder only needs to obtain a pre-approval for all planned admissions at least 48 hours prior to actual admission or within 24 hours post the admission in cases of emergency

6. All customers are given a customer ID through which they get help in primary consultation, health related counseling, individual referrals, health information, nutrition and diet

7. Every Apollo Munich health insurance customer is provided with an access to a health risk management tool that helps profile each member’s health status through the website

APOLLO MUNICH HEALTH INSURANCE CO. LTD.

FAMILY HEALTH INSURANCE PLANS – PREMIUM

The last health insurance policy for familiesby Apollo Munich Insurance Co. Ltd. is the Easy Health PremiumFamily Insurance Plan. It includes theFOLLOWING FEATURES:

• Sum insured per policy per year ranges can be Rs.4 lacs, Rs.5 lacs, Rs.7.5 lacs and Rs.10 lacs
• In patient treatment
• Pre-hospitalization
• Post-hospitalization
• Day care procedures
• Domiciliary treatment
• Organ donor
• Emergency ambulance for up to Rs.2000
• Daily cash for choosing shared accommodation worth Rs.500 per day subject to a maximum of Rs.3000 is available for sum insured of Rs.4lacsand Rs.5 lacs
• The daily cash for choosing shared accommodation for a sum insured of Rs.7.5 lacsand Rs.10 lacsis Rs.800 subject to a maximum of Rs.4800
• Daily cash of Rs.300 subject to a maximum of Rs.9000 is available for accompanying an insured child for sum insured of Rs.4lacsand Rs.5 lacs
• Daily cash of Rs.500 subject to a maximum of Rs.15000 is available for accompanying an insured child for sum insured of Rs.7.5 lacs and Rs.10 lacs
• Health check up to 1% of sum insured per policysubject to a maximum of Rs.5000 per person only once at the end of a block of every continuous 2 claim free years
• Cover for newborn baby is available but is optional
• Maternity expenses with waiting period of 4 years. For sum insured of Rs.4lacsand Rs.5 lacs the amount is Rs.15000 for normal delivery. For Caesarean delivery it is Rs.25000. Both these include pre/post natal limit of Rs.1500 and newborn limit of Rs.2000.
• For a sum insured of Rs.7.5 lacsand Rs.10 lacsthe maternity expense for normal delivery is available for Rs.25000 and for caesarean delivery it is Rs.40000. Both these include pre/post natal limit of Rs.2500 and newborn limit of Rs.3500.
• 50% or 100% additional of sum insured for additional cover for critical illness
• Out patient dental treatment with waiting period of 3 years up to 10% of sum insured subject to a maximum of Rs.5000
• Spectacles, contact lenses, hearing aid every 3^rd year up to Rs.5000

The minimum entry age for this policy is 5 years and the maximum entry age is 60 years. But children from the age of 91 days can get this policy only if their parents already have this policy.

ADDITIONAL BENEFITS:

• Medical expenses that are incurred due to illness during the 30 days immediately before being hospitalized will be increased to 60 days if Apollo is informed 5 days prior to hospitalization
• The medical expenses that are incurred in 60 days immediately after the patient is discharged from the hospital will be increased to 90 days if Apollo is informed 5 days prior to hospitalization
• Medical expenses for 140 day-care procedures that do not require 24 hours hospitalization due to technological advancement
• A policyholder gets a cumulative bonus of 10% for every claim-free year accumulating up to 50%. In the event of a claim this bonus will be reduced to 20% of sum insured on the next renewal
• If one is insured with some other company’s health insurance they can shift to Apollo on renewal. Apollo aims to achieve the transfer of most of the accrued benefits and makes due allowances for waiting periods

EXCLUSIONS:

• All treatments within the first 30 days of cover except any accidental injury
• Any pre-existing condition will be covered after a waiting period of 3 years
• Expenses arising from HIV or AIDS and related diseases
• Non-allopathic treatments, congenital diseases, mental disorder or insanity, cosmetic surgery and weight control treatments
• Abuse of intoxicant or hallucinogenic substances like drugs and alcohol
• Hospitalization due to war or an act of war or due to a nuclear, chemical or biological weapon and radiation of any kind
• Pregnancy, dental and external aids and appliances unless covered under the specific Easy Health Individual Insurance plan
• 2 years exclusion for specific diseases like cataract, hernia, hysterectomy, joint replacement
• Items of personal comfort and convenience
• Experimental, investigative and unproven treatment devices and pharmacological regimens

And this is not all. With these insurance plans one can presently avail tax benefits for the premium amount under Section 80D of the Income Tax Act.

PREMIUMS:

PREMIUMS FOR ADDITIONAL COVER FOR CRITICAL ILLNESS:

The premium amount is the base amount. Service tax is levied separately @10.3%.

You can buy Apollo Munich policies either online from their website www.apollomunichinsurance.com or call their toll free number 1800-102-0333 or they can also be picked up from companies dealing with Apollo products.

TERMS OF RENEWAL:

• Apollo offers life-long renewal unless the insured person or any one on her/his behalf has acted in a dishonest or fraudulent manner
• There is no maximum cover ceasing age. For additional cover of Critical Illness the maximum cover ceasing age would be 70 years.
• The Waiting Periods mentioned in the policy get reduced by 1 year on every continuous renewal of the plan
• Sum Insured can be enhanced only at the time of renewal subject to no claim lodged/paid under the policy. If the sum insured is increased by one grid then do fresh medicals will be done, however if the sum insured is more than one grid up then that is subject to medicals.

The ADVANTAGESof buying a health insurance from Apollo Munich are:

1. The two companies involved in the business, Apollo and Munich, are known and established business houses in the medical sector
2. Their tie-ups are with more than 4000 hospitals across the country including the best hospitals also in any city
3. Their claim settlement service is excellent
4. Apollo does not have any sub limit for room rent, ICU and Operation Theatre
5. Clients get cashless claim settlement service. A policyholder only needs to obtain a pre-approval for all planned admissions at least 48 hours prior to actual admission or within 24 hours post the admission in cases of emergency
6. All customers are given a customer ID through which they get help in primary consultation, health related counseling, individual referrals, health information, nutrition and diet
7. Every Apollo Munich health insurance customer is provided with an access to a health risk management tool that helps profile each member’s health status through the website

APOLLO MUNICH HEALTH INSURANCE CO. LTD.

FAMILY HEALTH INSURANCE PLANS – STANDARD

Apart from policies for individuals, Apollo Munich Insurance Co. Ltd. has also launched floater policies for families.

The Easy Health Standard Family Insurance Plan has the FOLLOWING FEATURES:

· Sum insured per policy per year ranges from Rs.2 lacs to Rs.5 lacs

· In patient treatment

· Pre-hospitalization

· Post-hospitalization

· Day care procedures

· Domiciliary treatment

· Organ donor

· Emergency ambulance for up to Rs.2000

· Daily cash for choosing shared accommodation worth Rs.500 per day subject to a maximum of Rs.3000

· Health check up to 1% of sum insured per policy only once at the end of a block of every continuous 4 claim free years

The features bulleted below are NOT COVERED under this policy:

· Daily cash for accompanying an insured child

· Newborn baby

· Maternity expenses with waiting period of 4 years

· 50% or 100% additional of sum insured for additional cover for critical illness

· Out patient dental treatment with waiting period of 3 years

· Spectacles, contact lenses, hearing aid every 3^rd year

· Additional cover for critical illness

The minimum entry age for this policy is 5 years and the maximum entry age is 60 years. But children from the age of 91 days can get this policy only if their parents already have this policy.

ADDITIONAL BENEFITS:

· Medical expenses that are incurred due to illness during the 30 days immediately before being hospitalized will be increased to 60 days if Apollo is informed 5 days prior to hospitalization

· The medical expenses that are incurred in 60 days immediately after the patient is discharged from the hospital will be increased to 90 days if Apollo is informed 5 days prior to hospitalization

· Medical expenses for 140 day-care procedures that do not require 24 hours hospitalization due to technological advancement

· A policyholder gets a cumulative bonus of 10% for every claim-free year accumulating up to 50%. In the event of a claim this bonus will be reduced to 20% of sum insured on the next renewal

· If one is insured with some other company’s health insurance they can shift to Apollo on renewal. Apollo aims to achieve the transfer of most of the accrued benefits and makes due allowances for waiting periods

EXCLUSIONS:

· All treatments within the first 30 days of cover except any accidental injury

· Any pre-existing condition will be covered after a waiting period of 3 years

· Expenses arising from HIV or AIDS and related diseases

· Non-allopathic treatments, congenital diseases, mental disorder or insanity, cosmetic surgery and weight control treatments

· Abuse of intoxicant or hallucinogenic substances like drugs and alcohol

· Hospitalization due to war or an act of war or due to a nuclear, chemical or biological weapon and radiation of any kind

· Pregnancy, dental and external aids and appliances unless covered under the specific Easy Health Individual Insurance plan

· 2 years exclusion for specific diseases like cataract, hernia, hysterectomy, joint replacement

· Items of personal comfort and convenience

· Experimental, investigative and unproven treatment devices and pharmacological regimens

And this is not all. With these insurance plans one can presently avail tax benefits for the premium amount under Section 80D of the Income Tax Act.

PREMIUMS:

The premium amount is the base amount. Service tax is levied separately @10.3%.

You can buy Apollo Munich policies either online from their website www.apollomunichinsurance.com or call their toll free number 1800-102-0333 or they can also be picked up from companies dealing with Apollo products.

TERMS OF RENEWAL:

· Apollo offers life-long renewal unless the insured person or any one on her/his behalf has acted in a dishonest or fraudulent manner

· There is no maximum cover ceasing age. For additional cover of Critical Illness the maximum cover ceasing age would be 70 years.

· The Waiting Periods mentioned in the policy get reduced by 1 year on every continuous renewal of the plan

· Sum Insured can be enhanced only at the time of renewal subject to no claim lodged/paid under the policy. If the sum insured is increased by one grid then do fresh medicals will be done, however if the sum insured is more than one grid up then that is subject to medicals.

The ADVANTAGESof buying a health insurance from Apollo Munich are:

1. The two companies involved in the business, Apollo and Munich, are known and established business houses in the medical sector

2. Their tie-ups are with more than 4000 hospitals across the country including the best hospitals also in any city

3. Their claim settlement service is excellent

4. Apollo does not have any sub limit for room rent, ICU and Operation Theatre

5. Clients get cashless claim settlement service. A policyholder only needs to obtain a pre-approval for all planned admissions at least 48 hours prior to actual admission or within 24 hours post the admission in cases of emergency

6. All customers are given a customer ID through which they get help in primary consultation, health related counseling, individual referrals, health information, nutrition and diet

7. Every Apollo Munich health insurance customer is provided with an access to a health risk management tool that helps profile each member’s health status through the website

APOLLO MUNICH HEALTH INSURANCE CO. LTD.

FAMILY HEALTH INSURANCE PLANS – EXCLUSIVE

In the health insurance policies for familiesApollo Munich Insurance Co. Ltd. also has the Easy Health ExclusiveFamily Insurance Plan.

It includes theFOLLOWING FEATURES:

• Sum insured per policy per year ranges can be Rs.3lacs, Rs.4 lacs, Rs.5 lacs and Rs.7.5 lacs
• In patient treatment
• Pre-hospitalization
• Post-hospitalization
• Day care procedures
• Domiciliary treatment
• Organ donor
• Emergency ambulance for up to Rs.2000
• Daily cash for choosing shared accommodation worth Rs.500 per day subject to a maximum of Rs.3000 is available for sum insured range of Rs.3 lacs to Rs.5 lacs
• The daily cash for choosing shared accommodation for a sum insured of Rs.7.5 lacs is Rs.800 subject to a maximum of Rs.4800
• Daily cash of Rs.300 subject to a maximum of Rs.9000 is available for accompanying an insured child for sum insured from Rs.3 lacs to Rs.5 lacs
• Daily cash of Rs.500 subject to a maximum of Rs.15000 is available for accompanying an insured child for sum insured of Rs.7.5 lacs
• Health check up to 1% of sum insured per policy only once at the end of a block of every continuous 4 claim free years
• Cover for newborn baby is available but is optional
• Maternity expenses with waiting period of 4 years. For sum insured of Rs.3 lacs to Rs.5 lacs the amount is Rs.15000 for normal delivery. For Caesarean delivery it is Rs.25000. Both these include pre/post natal limit of Rs.1500 and newborn limit of Rs.2000.
• For a sum insured of Rs.7.5 lacs the maternity expense for normal delivery is available for Rs.25000 and for caesarean delivery it is Rs.40000. Both these include pre/post natal limit of Rs.2500 and newborn limit of Rs.3500.
• 50% or 100% additional of sum insured for additional cover for critical illness

The features bulleted below are NOT COVERED under this policy:

• Out patient dental treatment with waiting period of 3 years
• Spectacles, contact lenses, hearing aid every 3^rd year

The minimum entry age for this policy is 5 years and the maximum entry age is 60 years. But children from the age of 91 days can get this policy only if their parents already have this policy.

ADDITIONAL BENEFITS:

• Medical expenses that are incurred due to illness during the 30 days immediately before being hospitalized will be increased to 60 days if Apollo is informed 5 days prior to hospitalization
• The medical expenses that are incurred in 60 days immediately after the patient is discharged from the hospital will be increased to 90 days if Apollo is informed 5 days prior to hospitalization
• Medical expenses for 140 day-care procedures that do not require 24 hours hospitalization due to technological advancement
• A policyholder gets a cumulative bonus of 10% for every claim-free year accumulating up to 50%. In the event of a claim this bonus will be reduced to 20% of sum insured on the next renewal
• If one is insured with some other company’s health insurance they can shift to Apollo on renewal. Apollo aims to achieve the transfer of most of the accrued benefits and makes due allowances for waiting periods

EXCLUSIONS:

• All treatments within the first 30 days of cover except any accidental injury
• Any pre-existing condition will be covered after a waiting period of 3 years
• Expenses arising from HIV or AIDS and related diseases
• Non-allopathic treatments, congenital diseases, mental disorder or insanity, cosmetic surgery and weight control treatments
• Abuse of intoxicant or hallucinogenic substances like drugs and alcohol
• Hospitalization due to war or an act of war or due to a nuclear, chemical or biological weapon and radiation of any kind
• Pregnancy, dental and external aids and appliances unless covered under the specific Easy Health Individual Insurance plan
• 2 years exclusion for specific diseases like cataract, hernia, hysterectomy, joint replacement
• Items of personal comfort and convenience
• Experimental, investigative and unproven treatment devices and pharmacological regimens

And this is not all. With these insurance plans one can presently avail tax benefits for the premium amount under Section 80D of the Income Tax Act.

PREMIUMS:

PREMIUMS FOR ADDITIONAL COVER FOR CRITICAL ILLNESS:

The premium amount is the base amount. Service tax is levied separately @10.3%.

You can buy Apollo Munich policies either online from their website www.apollomunichinsurance.com or call their toll free number 1800-102-0333 or they can also be picked up from companies dealing with Apollo products.

TERMS OF RENEWAL:

• Apollo offers life-long renewal unless the insured person or any one on her/his behalf has acted in a dishonest or fraudulent manner
• There is no maximum cover ceasing age. For additional cover of Critical Illness the maximum cover ceasing age would be 70 years.
• The Waiting Periods mentioned in the policy get reduced by 1 year on every continuous renewal of the plan
• Sum Insured can be enhanced only at the time of renewal subject to no claim lodged/paid under the policy. If the sum insured is increased by one grid then do fresh medicals will be done, however if the sum insured is more than one grid up then that is subject to medicals.

The ADVANTAGESof buying a health insurance from Apollo Munich are:

1. The two companies involved in the business, Apollo and Munich, are known and established business houses in the medical sector
2. Their tie-ups are with more than 4000 hospitals across the country including the best hospitals also in any city
3. Their claim settlement service is excellent
4. Apollo does not have any sub limit for room rent, ICU and Operation Theatre
5. Clients get cashless claim settlement service. A policyholder only needs to obtain a pre-approval for all planned admissions at least 48 hours prior to actual admission or within 24 hours post the admission in cases of emergency
6. All customers are given a customer ID through which they get help in primary consultation, health related counseling, individual referrals, health information, nutrition and diet
7. Every Apollo Munich health insurance customer is provided with an access to a health risk management tool that helps profile each member’s health status through the website

APOLLO MUNICH HEALTH INSURANCE CO. LTD.

Apollo Munich 360-Degree Health Plan For 2 Adults Plus 2 Children

Another Apollo Maxima 360-degree health plan is for 2 adultsplus 2 children with the floater option.

This plan has the FOLLOWING FEATURES:

• Sum insured per policy per year is Rs.3lacs
• In patient treatment
• Pre-hospitalization
• Post-hospitalization
• Day care procedures
• Domiciliary treatment
• Organ donor
• Emergency ambulance for up to Rs.2000 per hospitalization
• Daily cash for choosing shared accommodationof Rs.500 subject to a maximum of Rs.5000
• Daily cash of Rs.300 subject to a maximum of Rs.9000 for accompanying an insured child
• Maternity expenses with waiting period of 4 years. For normal delivery expenses up to Rs.15000 are covered and for caesarean delivery the expenses up to Rs.25000 are covered. This includes pre/post natal limit of Rs.1500 and infant baby limit of Rs.2000
• Newborn baby coverage is optional
• 50% or 100% additional of sum insured for additional cover for critical illness

EXCLUSIVE MAXIMA 360-DEGREE BENEFITS (these are applicable to Outpatient coverage):

• 6 consultations with general practitioner, physician or gynecologist. But if consultation is not within the specified network then the reimbursement will be the lower of the actual expense or Rs.350
• 2 consultations with any other specialization not mentioned above. But if consultation is not within the specified network then the reimbursement will be the lower of the actual expense or Rs.500
• Diagnostic tests worth Rs.2000 within a specified network
• Pharmacy worth Rs.3000 within a specified network
• Outpatient dental treatment worth Rs.1000 within a specified network
• Cover for spectacles and contact lenses worth Rs.1000 within a specified network
• 2 entitlement certificates of annual health check up within a specified network

ADDITIONAL BENEFITS:

• Medical expenses that are incurred due to illness during the 30 days immediately before being hospitalized will be increased to 60 days if Apollo is informed 5 days prior to hospitalization
• The medical expenses that are incurred in 60 days immediately after the patient is discharged from the hospital will be increased to 90 days if Apollo is informed 5 days prior to hospitalization
• Medical expenses for 140 day-care procedures that do not require 24 hours hospitalization due to technological advancement
• A policyholder gets a cumulative bonus of 10% for every claim-free year accumulating up to 50%. In the event of a claim this bonus will be reduced to 20% of sum insured on the next renewal. This is applicable for Inpatient treatment
• For Outpatient treatment, Maxima offers the advantage of carry forward benefits of 50% of any unutilized entitlements to next policy year except for the annual health check up
• If one is insured with some other company’s health insurance they can shift to Apollo on renewal. Apollo aims to achieve the transfer of most of the accrued benefits and makes due allowances for waiting periods

EXCLUSIONS (these exclusions are only applicable to any Inpatient coverage):

• All treatments within the first 30 days of cover except any accidental injury
• 2 years exclusion for specific diseases
• Any pre-existing condition will be covered after a waiting period of 3 years
• Expenses arising from HIV or AIDS and related diseases
• Non-allopathic treatments, congenital diseases, mental disorder or insanity, cosmetic surgery and weight control treatments
• Abuse of intoxicant or hallucinogenic substances like drugs and alcohol
• Hospitalization due to war or an act of war or due to a nuclear, chemical or biological weapon and radiation of any kind
• Pregnancy, dental and external aids and appliances unless covered under the specific Easy Health Individual Insurance plan

PREMIUMS:

PREMIUMS FOR ADDITIONAL COVERAGE FOR CRITICAL ILLNESS:

The premium amount is the base amount. Service tax is levied separately @10.3%.

And this is not all. With these insurance plans one can presently avail tax benefits for the premium amount under Section 80D of the Income Tax Act.

You can buy Apollo Munich policies either online from their website www.apollomunichinsurance.com or call their toll free number 1800-102-0333 or they can also be picked up from companies dealing with Apollo products.

TERMS OF RENEWAL:

• Apollo offers life-long renewal unless the insured person or any one on her/his behalf has acted in a dishonest or fraudulent manner
• There is no maximum cover ceasing age. For additional cover of Critical Illness the maximum cover ceasing age would be 70 years.
• The Waiting Periods mentioned in the policy get reduced by 1 year on every continuous renewal of the plan

The ADVANTAGESof buying this particular health insurance from Apollo Munich are:

1. The two companies involved in the business, Apollo and Munich, are known and established business houses in the medical sector
2. Their tie-ups are with more than 4000 hospitals across the country including the best hospitals also in any city
3. Their claim settlement service is excellent
4. Apollo does not have any sub limit for room rent, ICU and Operation Theatre
5. Clients get cashless claim settlement service. A policyholder only needs to obtain a pre-approval for all planned admissions at least 48 hours prior to actual admission or within 24 hours post the admission in cases of emergency
6. This is the first company in India that is covering the Outpatient expenses of pre-existing diseases as well

APOLLO MUNICH HEALTH INSURANCE CO. LTD.

APOLLO MAXIMA 360-DEGREE HEALTH PLAN – FOR 1 ADULT

Apollo Maxima 360-degree health plan is another health insurance plan that is being offered by Apollo Munich Insurance Co. Ltd. This plan can be used for individuals as well as a floater for families. The Maxima 360-degree health plan for 1 adult has the FOLLOWING FEATURES:

· Sum insured per policy per year is Rs.3lacs

· In patient treatment

· Pre-hospitalization

· Post-hospitalization

· Day care procedures

· Domiciliary treatment

· Organ donor

· Emergency ambulance for up to Rs.2000 per hospitalization

· Daily cash for choosing shared accommodationof Rs.500 subject to a maximum of Rs.5000

· Daily cash of Rs.300 subject to a maximum of Rs.9000 for accompanying an insured child

· Maternity expenses with waiting period of 4 years. For normal delivery expenses up to Rs.15000 are covered and for caesarean delivery the expenses up to Rs.25000 are covered. This includes pre/post natal limit of Rs.1500 and infant baby limit of Rs.2000

· Newborn baby coverage is optional

· 50% or 100% additional of sum insured for additional cover for critical illness

EXCLUSIVE MAXIMA 360-DEGREE BENEFITS (these are applicable to Outpatient coverage):

· 3 consultations with general practitioner, physician or gynecologist. But if consultation is not within the specified network then the reimbursement will be the lower of the actual expense or Rs.350

· 1 consultation with any other specialization not mentioned above. But if consultation is not within the specified network then the reimbursement will be the lower of the actual expense or Rs.500

· Diagnostic tests worth Rs.1000 within a specified network

· Pharmacy worth Rs.2000 within a specified network

· Outpatient dental treatment worth Rs.1000 within a specified network

· Cover for spectacles and contact lenses worth Rs.1000 within a specified network

· 1 entitlement certificate of an annual health check up within a specified network

ADDITIONAL BENEFITS:

· Medical expenses that are incurred due to illness during the 30 days immediately before being hospitalized will be increased to 60 days if Apollo is informed 5 days prior to hospitalization

· The medical expenses that are incurred in 60 days immediately after the patient is discharged from the hospital will be increased to 90 days if Apollo is informed 5 days prior to hospitalization

· Medical expenses for 140 day-care procedures that do not require 24 hours hospitalization due to technological advancement

· A policyholder gets a cumulative bonus of 10% for every claim-free year accumulating up to 50%. In the event of a claim this bonus will be reduced to 20% of sum insured on the next renewal. This is applicable for Inpatient treatment

· For Outpatient treatment, Maxima offers the advantage of carry forward benefits of 50% of any unutilized entitlements to next policy year except for the annual health check up

· If one is insured with some other company’s health insurance they can shift to Apollo on renewal. Apollo aims to achieve the transfer of most of the accrued benefits and makes due allowances for waiting periods

EXCLUSIONS (these exclusions are only applicable to any Inpatient coverage):

· All treatments within the first 30 days of cover except any accidental injury

· 2 years exclusion for specific diseases

· Any pre-existing condition will be covered after a waiting period of 3 years

· Expenses arising from HIV or AIDS and related diseases

· Non-allopathic treatments, congenital diseases, mental disorder or insanity, cosmetic surgery and weight control treatments

· Abuse of intoxicant or hallucinogenic substances like drugs and alcohol

· Hospitalization due to war or an act of war or due to a nuclear, chemical or biological weapon and radiation of any kind

· Pregnancy, dental and external aids and appliances unless covered under the specific Easy Health Individual Insurance plan

PREMIUMS:

PREMIUMS FOR ADDITIONAL COVERAGE FOR CRITICAL ILLNESS:

The premium amount is the base amount. Service tax is levied separately @10.3%.

And this is not all. With these insurance plans one can presently avail tax benefits for the premium amount under Section 80D of the Income Tax Act.

You can buy Apollo Munich policies either online from their website www.apollomunichinsurance.com or call their toll free number 1800-102-0333 or they can also be picked up from companies dealing with Apollo products.

TERMS OF RENEWAL:

· Apollo offers life-long renewal unless the insured person or any one on her/his behalf has acted in a dishonest or fraudulent manner

· There is no maximum cover ceasing age. For additional cover of Critical Illness the maximum cover ceasing age would be 70 years.

· The Waiting Periods mentioned in the policy get reduced by 1 year on every continuous renewal of the plan

The ADVANTAGESof buying this particular health insurance from Apollo Munich are:

1. The two companies involved in the business, Apollo and Munich, are known and established business houses in the medical sector

2. Their tie-ups are with more than 4000 hospitals across the country including the best hospitals also in any city

3. Their claim settlement service is excellent

4. Apollo does not have any sub limit for room rent, ICU and Operation Theatre

5. Clients get cashless claim settlement service. A policyholder only needs to obtain a pre-approval for all planned admissions at least 48 hours prior to actual admission or within 24 hours post the admission in cases of emergency

6. This is the first company in India that is covering the Outpatient expenses of pre-existing diseases as well