The transition of Value Research Online has been postponed to take care of some user concerns.
You are welcome to try out the new site at

Apollo Munich Easy Health Premium- Individual

Entry Age (years)  
Minimum 18; 3 months for children
Maximum 60
Maximum Policy Renewal Age (years) No Limit
Sum Insured (Rs)  
Maximum 10 lakh
Minimum 4 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 10% increase in your annual inpatient benefit sum insured for every claim free year, till it reaches 50% of the Sum insured. 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
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
SMS 'easyhealth' to 56767333
Network Hospitals Http://
Scope of Cover
Sum Insured (Rs)
4 lakh and Rs 5 lakh7.50 lakh and 10 lakh
Cashless facilityAvailable
Re-imbursement Facility
In-patient TreatmentCovered
Pre-hospitalisationCovered for 30 days. 30 days extend to 60 days if informed 5 days in advance of hospitalisation
Post-hospitalisationCovered from 60 days. 60 days extend upto 90 days if informed 5 days in advance of hospitalisation
Day-Care Procedures140 in number are covered
Domiciliary TreatmentCovered
Daily cash for chossing shared accomodationRs 500 per day, Maximum Rs 3,000Rs 800 per day, maximum Rs 4800
Expenses for organ donor of transplantCovered
Emergency AmbulanceUp to Rs 2,000 per hospitalisation
Daily Cash for 1 adult accompanying an insured childRs 300 per day, maximum Rs 9000Rs 500 per day, maximum Rs 15000
Newborn babyOptional
Maternity ExpensesNormal Delivery Rs 15000Caesarean Delivery Rs 25000 (Sums are including pre/post natal limit of Rs 1500 and new born limit of Rs 2000)Normal Delivery Rs 25000Caesarean Delivery Rs 40000 (Sums are including pre/post natal limit of Rs 2500 and new born limit of Rs 3500)
Out-patient TreatmentOut-patient dental treatment is covered at 50% of the admissible expenses Upto 1% of Sum insured subject to a maximum of Rs 5000, after a waiting period of 3 years.
Spectacles, Contact Lenses, Hearing Aid every third year50% of the admissible expenses, maximum upto Rs 5000, only once after every three years.
E-Opinion in respect of a Critical IllnessCovered, one opinion per policy year (if no previous claim was made in current policy year) form any member of policyholder's choice from the insurance company's panel
Additional Cover for Critical IllnessOptional, 50% or 100% of in patient Sum insured. It covers 8 critical illnesse namely: namely cancer, coronary artery (bypass) surgery, first heart attack (myocardial infarction), kidney failure (end stage renal disease), major organ transplantation, multiple sclerosis, paralysis and stroke after a waiting period of 30 days. Maximum cover ceasing age is 70 years.
Health Check-upUpto 1% of Sum insured subject to a maximum of Rs 5000 per insured person, only at the end of a block of every continuous 2 claim free years
Exclusions and Waiting period
Pre-existing diseasecovered after 36 months of continuous policy renewal
No claim period30 days from policy start date
Waiting PeriodCertain diseases such as hernia, piles, cataract , sinusitis shall be covered after a waiting period of 2 years.Maternity cover will be available after a waiting period of 6 policy years.Expenses for Domiciliary treatment will be covered only if the illness continues for atleast 3 consecutive days.Out Patient dental treatment will be covered after a waiting period of three years.
General ExclusionsAIDS/ HIV or related treatmentTreatment of any mental or related disease.