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Apollo Munich Easy Health Premium- Family Floater

Eligibility  
Entry Age (years)  
Minimum 18; 3 months for children
Maximum 65
Maximum Policy Renewal Age (years) No Limit
Sum Insured (Rs)  
Maximum 10 lakh
Minimum 4 lakh
Policy Term (years) 1 or 2
Discount Premium discount of 7.5% on advance premium payment for 2 year policy term.
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 a claim is made during a policy year, the cumulative bonus would reduce 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 also 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 'easyhealth' to 56767333
Network Hospitals Http://www.apollomunichinsurance.com/our-hospital-network.aspx
Scope of Cover
Sum Insured (in Rs)
4 lakh and 5 lakh 7.50 lakh and 10 lakh
Cashless facilityAvailable if treatment taken in a network hospital
Re-imbursement FacilityAvailable if treatment taken in a non network hospital
Pre-hospitalisationCovered for 30 days. 30 days extend to 60 days if informed 5 days in advance of hospitalisation
Post-hospitalisationCovered from 60 days. 60 days extend upto 90 days if informed 5 days in advance of hospitalisation
In-patient TreatmentCovered
Day-Care Procedures140 in number are covered
Domiciliary TreatmentCovered if the illness continues for atleast 3 consecutive days
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
Ayush Benefitcovered upto Rs 25000
Daily Cash for 1 adult accompanying an insured childRs 300 per day, maximum Rs 9000Rs 500 per day, maximum Rs 15000
Maternity ExpensesNormal 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)
Newborn babyOptional
Out-patient Dental Treatment50% of reasonable cost, Upto 1% of Sum insured subject to a maximum of Rs 5000
Spectacles, Contact Lenses, Hearing Aid every third year50% of the admissible expenses, maximum upto Rs 5000
E-Opinion in respect of a Critical IllnessCovered, one opinion per policy year (if no previous claim was made in current policy year) form any member of policyholder's choice from the insurance company's panel
Additional Cover for Critical IllnessOptional Optional 50% or 100% of in-patient Sum Insured
Health Check-up(after every 2 claim free years)Upto 1% of Sum insured subject to a maximum of Rs 5000 per insured person
Exclusions and Waiting Period
Pre-existing diseasecovered after 36 months of continuous policy renewal
No claim period30 days from policy start date
Waiting Period4 years for maternity benefit24 months for treatment of certain illnesses as stated in the policy document.3 years for outpatient dental treatment
General exclusionAIDS/ HIV or any related conditionTreatment of any mental disorder