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Apollo Munich Easy Health Standard- Individual

Eligibility  
Entry Age (years)  
Minimum 18; 3 months for children
Maximum 65 for Sum Insured upto Rs 2 lakh
60 for higher Sum Insureds
Maximum Policy Renewal Age (years) No Limit
Sum Insured (Rs)  
Maximum 5 lakh
Minimum 1 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 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
No Claim Bonus 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
Grace Period for Policy Renewal 15 days grace period is allowed to policyholder for payment of premium at the insurers discretion.
Policy Termination 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  
Address 10th Floor, Building No. 10, Tower-B, DLF Cyber City, DLF Phase-II, Gurgaon-122002
Mail to [email protected]
Call to 1800-102-0333
SMS Easyhealth' 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 , expenses are re-imbursed within 14 working days from date of submission of all records
Pre-post hospitalisationRelevant medical expenses covered for upto 60 days prior and upto 90 days post hospitalisation
In-patient TreatmentCovered
Day-Care Procedures140 day care procedures are covered
Domiciliary TreatmentCovered. Post hospitalisation expenses are restricted but, Pre hospitalisation expenses are covered upto 60 days
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
Health Check-upUpto 1% of Sum Insured per Insured Person, only once at the end of a block of every continuous 4 claim free years
Exclusions and Waiting Period
Pre-existing diseasePre-existing Diseases will be covered after a waiting period of 36 months
No claim periodAny disease contracted during the first 30 days of commencement of the policy
Waiting PeriodCertain diseases such as hernia, piles, cataract , sinusitis shall be covered after a waiting period of 2 years.Expenses for Domiciliary treatment will be covered only if the illness continues for atleast 3 days consecutive days.
General exclusionsAIDS or any related illness will not be covered.Treatment of any mental or related disease.