Apollo Munich Insure Health
Policy Details
Eligibility  
Entry Age (years)  
Minimum 5; 3 months for children
Maximum 50
Maximum Policy Renewal Age (years) 75
Coverage Type Individual
Policy Term (years) 1
Sum Insured (Rs)  
Maximum 2 lakh
Minimum 25000
Tax Benefit Premium paid is eligible for tax benefit under section 80D of the Income Tax Act
Discount Loyalty discount of 5% on renewal premium.
A cross selling credit to buy any other apollo munich health product within 365 days from renewal date.
Family discount of 10% is applicable if 2 or more family members included.
Pre Policy Medical Check Up Not required
Grace Period for Policy Renewal 15 days grace period is allowed to policyholder for payment of premium at the insurers discretion.
Co Payment Clause 15% of medical expense will have to be borne by policyholder for each claim.
Policy Termination Insurance company may terminate the policy by giving a written notice of 30 days. Policyholder is allowed to terminate the policy at anytime by giving a written notice. In case no claim has been made under the policy, percentage of premium will be refunded
Customer Service  
Address Apollo Munich Health Insurance Company Limited
Corporate Office: 10th floor, Tower B, Building No. 10, DLF Cyber City, Phase -II, Gurgaon, Haryana-122002
Registered Office: Apollo Hospital Complex, Jubilee Hills, Hyderabad - 500033
Mail to customerservice@apollomunichinsurance.com
Call to 1800-102-0333
SMS Health' to 56767333
Network Hospitals Http://www.apollomunichinsurance.com/our-hospital-network.aspx
Scope of Cover
Cashless facilityAvailable at empanelled hospitals in India.
Re-imbursementIn case policyholder opts for non empanelled hospital
Pre-post hospitalisationpays a lumpsum of 1% of admissible claim amount towards each of pre and post hospitalisation expenses
In-patient TreatmentCovered and includes all hospitalisation expenses
Day-Care Procedures140 in number are covered
Ayurveda, Unani, Sidha and Homeopathy TreatmentCovered, upto maximum of 10% of Sum Insured
Expenses for organ donor of transplantCovered
Room rent Limit
Sum Insured (Rs) per person per policyRoom Rent per day (Rs)ICU Rent per day (Rs)
250005001000
500005001000
750007501500
10000010002000
20000020002000
Exclusions and Waiting Period
Pre-existing diseasecovered after 48 months
No claim periodAny disease contracted during the first 30 days of commencement of the policy
Waiting Period24 months for certain diseases such as hernia, surgery of sinusitis etc mentioned in policy document
General ExclusionsAIDS or any related illness will not be covered.Treatment of any mental or related disease is also excluded.