Eligibility | |
Entry Age (years) | |
Minimum | 5; 3 months for children |
Maximum | 65 |
Maximum Policy Renewal Age (years) | No Limit |
Coverage Type | Individual/ Family |
Sum Insured (Rs) | |
Maximum | 15 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 | Bonus of 50% of the Basic Sum Insured for every claim free year, maximum upto 100%. In case of claim, bonus will be reduced by 50% of the basic sum insured However this reduction will not reduce the Sum Insured below the basic Sum Insured of the policy. |
Pre Policy Medical Check Up | Required at discretion of insurance company; 50% of the expenses incurred will be reimbursed on acceptance of proposal. |
Free look Period | 15 days from date of receipt of policy |
Grace Period for Policy Renewal | 30 days grace period is allowed to policyholder for payment of premium at the insurers discretion. |
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/ 1800-103-0555 |
SMS | Restore' to 56767 333 |
Network Hospitals | Http://www.apollomunichinsurance.com/our-hospital-network.aspx |
Scope of Cover | |
Cashless facility | Available at empanelled hospitals in India. |
Re-imbursement | In case policyholder opts for non empaneled hosiptal. |
Pre-post hospitalisation | Relevant medical expenses covered from 60 days prior and 180 days post hospitalisation |
In-patient Treatment | Covered |
Day-Care Procedures | 140 in number are covered |
Domiciliary Treatment | Covered |
Expenses for organ donor of transplant | Covered |
Emergency Ambulance | Up to Rs 2,000 per hospitalisation |
Restore Benefit | Equal to 100% of Basic Sum Insured, Restore benefit automatically reinstates the basic sum insured in case you exhaust it in a policy year |
Exclusions and waiting period | |
Pre-existing disease | Pre-existing Diseases will be covered after a waiting period of 36 months |
No claim period | Any disease contracted during the first 30 days of commencement of the policy except for aciidental emergency |
Waiting Period | 24 months for specific illnesses and treatments |
General exclusions | Non allopathic treatment.AIDS or any related illness will not be coveredTreatment of any mental or related disease is also excluded. |