|Maximum Policy Renewal Age (years)||Lifelong renewal|
|Sum Insured (Rs)|
|Policy Term (years)||1/2|
5% on renewal for each claim free year.
5% if spouse also buys this policy.
7.5% on selecting a 2 year policy term
|Pre Policy Medical Check Up||Required (insurer would reimburse 50% of cost on acceptance of insurance proposal)|
|Grace Period for Policy Renewal||30 days|
|Co Payment Clause||
15% on accomodation in a twin sharin room or lower room type.
30% on accomodation in a single room or higher room type (15% in case of an emergency).
30% on specific illnesses such as cataract(each eye), hysterectomy, joint replacement etc.
15% to all day care procedures
|Policy Termination||Policyholder is allowed to cancel the policy at anytime by providing a notice. Insurer may also terminate the policy by giving a 30 days notice|
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
|SMS||HEALTH to 56767333|
|Scope of Cover|
|Cashless facility||available at network hospitals|
|Reimbursement facility||available if treatment taken in non-network hospitals|
|Pre and post hospitalisation||covered upto 30 days prior and 60 days post hospitalisation|
|Day care procedures||covers 140 listed day care treatment|
|Domiciliary treatment||covered only if treatment exceeds 3 days|
|Organ donor||covers medical treatment of organ donor|
|Emergency ambulance||pays upto Rs 2000 for each hospitalisation in case of an emergency|
|Second Opinion||allows to obtain an opinion from medical panel for listed critical illnesses once a policy year|
|Exclusions and Waiting period|
|Pre-existing diseases||covered after 3 years of continuous policy renewal|
|No claim period||30 days from policy start date|
|Waiting period||2 years for specified illnesses like hernia, sinusitis, cataract, joint knee replacement etc.|
|Other exclusions||Non allopathic treatmentsHIV/AIDS and related conditions|