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Apollo Munich Individual Personal Accident- Standard

Eligibility  
Entry Age (years)  
Minimum 5; 3 months for children
Maximum 69
Maximum Policy Renewal Age (years) 70
Coverage Type Individual
Sum Insured (Rs)  
Maximum 50 lakh
Minimum 1 lakh
Policy Term (years) 1
Tax Benefit Not Available
Discount Family discount of 10% is applicable if 2 or more family members included
No Claim Bonus 5% increase in Sum Insured would be applicable for every claim free years till it reaches to a maximum of 50% of initial Sum Insured. a cumulative bonus has been applied and a claim is made, then in the
subsequent Policy Year the cumulative bonus will automatically reduce to zero.
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 on prorata basis
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
Network Hospitals Http://www.apollomunichinsurance.com/our-hospital-network.aspx
Scope of Cover
Accidental Death (AD)Covered; pays Sum Insured
Permanent Total Disablement [PTD]Predetremined percentage of Sum insured depending on nature of permanent total disablement
Permanent Partial Disablement [PPD]Predetremined percentage of Sum insured depending on nature of permanent partial disablement
Temporary Total Disablement weekly benefit upto maximum of 100 weeks. 1% of the Sum Insured for each week; maximum Rs 5 lakh
Emergency AmbulanceUp to Rs 2,000
Family Transportation to hospital (atleast 200 kms away) where insured is admitted 1% of AD Sum Insured; max Rs. 50000 . Restricted to one immediate member
Transportation of Mortal Remains2% of AD Sum Insured; max Rs. 10,000
Education Fundallowed upto 2 children. 10% of Accidental Death Sum Insured upto a maximum of Rs 20000
Accident Medical Expensescovered upto lowest of the actual expenses, 40% of admitted claim, 10% of AD Sum Insured or Rs. 50,000
Exclusions and Waiting period
Special Exclusions for Accidental death, disablement and medical expensesBacterial infections (except pyogenic infection which occurs through an Accidental cut or wound).Hernia
General ExclusionsPre existing condition or any complication arising from the same.Any psychiatric or mental disorders.AIDS or any other related conditions.