Apollo Munich Easy Health Standard- Individual | Value Research Policy Details, Cost, Suitability and Reveiew of Apollo Munich Easy Health Standard- Individual, Apollo Munich Health

Apollo Munich Easy Health Standard- Individual


Out of three variants of Easy Health Policy, 'Easy Health-Standard' is first variant. This is an online health insurance policy which aims at providing cover against financial loss due to inpatient hospitalisation of insured person. Apart from hospitalisation bills it covers other complementary expenses as well.

Our View

The major advantage of this policy is that it covers a policyholder during golden years. There is no ceiling on policy renewal age. So, the policy actually stands by the individual when health insurance is utterly required. Policy benefits coincide with the cost of purchasing this policy. Hence, if your budget matches the premiums, you may go for this policy. More comprehensive versions of Apollo Munich Easy Health are also available. If your pocket allows to shell out more, consider 'Premium' and 'Exclusive' versions of Easy Health for wider coverage.

Suited for

This policy is suitable for any individual to insure against hospitalisation expenses and other corresponding expenses such as treatment taken at home, day care procedures, ambulance costs and other daily expenses.

What does it do?

This policy covers hospitalisation expenses including diagnostic procedures, boarding and lodging, ICU, operation theatre, anesthesia, blood, oxygen, medicines, drugs, nursing and medical practitioner charges if treatment is taken as an inpatient. Relevant expenses related to the illness that causes admission to hospital, incurred before hospitalisation and post discharge from hospital are covered too. It covers day care procedures, domiciliary treatment and expenses for treatment of organ donor during transplant. Day care procedures are those treatments which do not require a stay in hospital for more than 24 hours due to technological advancement like chemotherapy, Hemodialysis etc. Domiciliary treatment means treatment taken at home on advice of doctor which would have otherwise required hospitalisation.
It also pays a minimum of Rs 500 and maximum up to Rs 3,000 as daily cash allowance if hospital accommodation is taken on a shared basis in a network hospital. Emergency ambulance charges up to Rs 2,000 per hospitalisation are admissible.


There is no cover ceasing age. It offers a lifelong insurance.

The policy provides a discount of 7.5 per cent on advance payment of 2-year premium.

Family discount of 10 per cent is applicable on including three or more family members under the same policy.

It gives a cumulative bonus of 10 per cent for every claim-free year up to a maximum of 50 per cent.

It provides for a free health check up at the end of four continuous claim-free years.

Premium paid under this policy qualifies for deduction under section 80D of income tax act.

This policy can be purchased online.


In case, no-claim bonus has been passed and a claim arises during that year, cumulative bonus would be reduced by 20 per cent in the following year.


Entry Age (years)

18; 3 months for children
65 for Sum Insured upto Rs 2 lakh
60 for higher Sum Insureds
No Limit

Sum Insured (Rs)

5 lakh
1 lakh
1 or 2
Premium paid is eligible for tax benefit under section 80D of the Income Tax Act
Renewal discount of 7.5% on advance premium payment for 2 year policy terms
Family discount of 10% is applicable if 3 or more family members included
10% increase in your annual inpatient benefit sum insured for every claim free year, subject to a maximum of 50%. In case a claim is made during a policy year, the cumulative bonus would reduce by 20% in the following year
15 days grace period is allowed to policyholder for payment of premium at the insurers discretion.
Policyholder is allowed to terminate the policy at anytime by giving a 15 day written notice. In case no claim has been made under the policy, prorata percentage of premium will be refunded

Customer Service

10th Floor, Building No. 10, Tower-B, DLF Cyber City, DLF Phase-II, Gurgaon-122002
Easyhealth' to 56767333

Additions to the Plan

Cost Details