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Apollo Munich Easy Health Exclusive- Individual

Eligibility  
Entry Age (years)  
Minimum 18; 3 months for children
Maximum 60
Maximum Policy Renewal Age (years) No Limit
Coverage Type Individual
Sum Insured (Rs)  
Maximum 7.5 lakh
Minimum 3 lakh
Policy Term (years) 1 or 2
Tax Benefit Premium paid is eligible for tax benefit under section 80D of the Income Tax Act
Discount Premium discount of 7.5% on advance premium payment for 2 year policy term.
Family discount of 10% is applicable if 3 or more family members included.
No Claim Bonus 10% increase in your annual inpatient benefit sum insured for every claim free year, till it reaches 50% of the Sum insured. In case of a claim, the cumulative bonus reduces by 20% in the following year
Grace Period for Policy Renewal 15 days
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 [email protected]
Call to 1800-102-0333
SMS 'easyhealth' to 56767333
Scope of Cover
Sum Insured (in Rs)
3 lakh, Rs 4 lakh and Rs 5 lakh7.50 lakh
Cashless facilityAvailable at empanelled hospitals in India. The policyholder must inform and obtain pre-authorization in case of planned hospitalisation atleast 48 hours prior to actual admission or 24 hours after hospitalisation in case of an emergency admission
Re-imbursementIn case policyholder opts for non empanelled hospital , expenses are re-imbursed within 14 working days from date of submission of all records
Pre-post hospitalisationRelevant medical expenses covered from 60 days prior and 90 days post hospitalisation
In-patient TreatmentCovered
Pre-hospitalisation
Post-hospitalisation
Day-Care Procedures140 in number are covered
Domiciliary TreatmentCovered
Daily cash for choosing shared accommodationRs 500 per day, Maximum Rs 3,000Rs 800 per day, maximum Rs 4800
Expenses for organ donor of transplantCovered
Emergency AmbulanceUp to Rs 2,000 per hospitalisation
Daily Cash for 1 adult accompanying an insured child upto 12 years of ageRs 300 per day, maximum Rs 9000Rs 500 per day, maximum Rs 15000
Newborn baby coverOptional if policyholder proposes the same to insurance company within 90 days of child birth
Maternity Expenses with waiting period of 6 yearsNormal Delivery Rs 15000Caesarean Delivery Rs 25000 (Sums are including pre/post natal limit of Rs 1500 and new born limit of Rs 2000)Normal Delivery Rs 25000Caesarean Delivery Rs 40000 (Sums are including pre/post natal limit of Rs 2500 and new born limit of Rs 3500)
Additional Cover for Critical IllnessOptional, 50% or 100% of in patient Sum insured. It covers 8 critical illnesses 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 waiting period of 30 days. Maximum cover ceasing age is 70 years.
Health Check-upUpto 1% of Sum insured subject to a maximum of Rs 5000 per insured person, only at the end of a block of every continuous 3 claim free years
Exclusions and Waiting Period
Pre-existing diseasecovered after a waiting period of three years
No claim period30 days from start date of the policy except any accidental injury
Waiting Period2 years for specific diseases such as cataract, hernia, joint replacement surgery etc.6 years for maternity benefits.Domiciliary Treatment will be covered only if illness continues for atleast 3 days consecutive days.
General ExclusionsNaturopathy treatment and non allopathic treatmentCosmetic, beauty or slimming treatment.AIDS or any related illnessTreatment of any mental or related disease