Apollo Munich Maxima Health

Eligibility  
Maximum Policy Renewal Age (years) No Limit
Coverage Type Individual / Family Floater
Policy Term (years) 1
Sum Insured (Rs)  
Maximum 3 lakh
Minimum 3 lakh
Tax Benefit Premium paid is eligible for tax benefit under section 80D of the Income Tax Act
No Claim Bonus 10% increase in your annual inpatient benefit sum insured for every claim free year, till it reaches 50% of the Sum Assured and 50% carry forward bonus for unutilized OPD benefits(except Annual Health Check-up). In case a claim is made during a policy year, the cumulative bonus would reduce by 20% in the following year
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, prorata 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 or 1800-103-0555
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-imbursementAvailable
Pre-post hospitalisationRelevant medical expenses covered from 30 days prior and 60 days post hospitalisation
In-patient TreatmentCovers boarding, lodging, ICU, Operation theatre, Anesthesia, Blood, Oxygen, Surgical appliances, medicines, drugs and consumable, nursing and medical practitioner charges
Day-Care Procedures140 in number are covered
Domiciliary TreatmentCovered
Daily cash for choosing shared accommodationRs 500 per day, Maximum Rs 3,000
Expenses for organ donor of transplantCovered
Emergency AmbulanceUp to Rs 2,000 per hospitalisation
Daily Cash for 1 adult accompanying an insured childRs 300 per day, maximum Rs 9000
Newborn babyOptional
Maternity Expenses with waiting period of 4 yearsNormal Delivery- Rs 15,000;Caesarean Delivery- Rs 25, 000 (Including Pre/Post Natal limit of Rs 1,500 and infant baby limit of Rs 2,000)
Optional Cover for Critical Illness Rs 3 lakh covered on an individual basis. It covers against 8 critical diseases namely: cancer, coronary artery (bypass) surgery, first heart attack (myocardial infarction), kidney failure (end stage renal disease), major organ transplantation, multiple sclerosis, paralysis and stroke after a survival period of 30 days after confirm diagnosis of any covered illness. Maximum cover ceasing age is 70 years.
Out-patient TreatmentCovered; It pays for doctor consultation, pharmacy expenses, spectacles, contact lenses, health check-up and diagnostic tests.
Pre-existing illnesses under OPD Benefitscovered without any waiting period
Out-patient Consultations4 consultations for 1 member cover/ 6 for 2 members cover/ 8 for 2 members + upto 2 children
Diagnostic tests/ Pharmacy/ Dental treatment/ Spectacles, Contact lenses(Rs)5000 for 1 member cover/ 5500 for 2 member cover/ 7000 for 2 adults + upto 2 children
Health Check-up within specified network and not available on reimbursement basis1 Entitlement Certificate for 1 member cover, 2 Entitlement Certificates for 2 member and 2 adults + upto 2 children cover option. Allowed to member aged between 18 and 45 years from second year.
Exclusions and Waiting Period
under OPD treatmentNo exclusions
under Inpatient treatment
Pre existing Diseases Pre-existing Diseases will be covered after a waiting period of 3 years
No claim periodAny disease contracted during the first 30 days of commencement of the policy except for accidental emrgency
Waiting Period24 hours for certain diseases and illnesses specified under policy document.Maternity expenses will be covered after a waiting period of 4 years.
General ExclusionsNon allopathic treatment.Any psychiatric or mental disorders.AIDS or any other related conditions.