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| 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. |