Apollo Munich Health Insurance Plans

HEALTH INSURANCE PLANS FOR INDIVIDUALS UPTO 65 YEARS

=> Comprehensive coverage for hospitalisation

=> Sum insured options ranging from 3 lakhs to 15 lakhs

=> Cashless hospitalization in more than 4000 hospitals across India

=> Lifelong Renewal

=> No Sub-Limits on room rent or Co-Payments

=> No additional loadings at renewal due to claims

=> First of its kind Restore benefit which restores entire sum insured with no extra charges

=> Unique multiplier benefit that offers a bonus of 50% of sum insured for every claim free year

HEALTH INSURANCE PLANS FOR FAMILIES

=> Covers spouse, dependent children and dependent parents under one plan

=> Sum insured options ranging from 3 lakhs to 15 lakhs

=> Cashless hospitalization in more than 4000 hospitals across India

=> Lifelong Renewal

=> No Sub-Limits on room rent or Co-Payments

=> No additional loadings at renewal due to claims

=> First of its kind Restore benefit which restores entire sum insured with no extra charges

=> Unique multiplier benefit that offers a bonus of 50% of sum insured for every claim free year

OPTIMA SENIOR
=>  A Plan exclusively created for Senior Citizens above 61 years of age. 

=> Choose insurance cover starting from 2-5 Lakh

=>  Comprehensive coverage for hospitalization

=> Lifelong cover for self and spouse

=> No claim-based loadings on renewals

=> Cashless treatment across 4000 network hospitals across 800 cities

=> 5% Discount on Renewal Premium for every Claim Free Year 

=> Free second opinion from medical panel for listed ‘Critical Illnesses’

Let's Uncomplicate With best-in-class benefits

=>  Wide options Choose from the wide choices of the sum insured starting from Rs 1 lac to 10 lacs and enjoy best health insurance benefits at affordable premium. 

=>  Portability - A customer-friendly policy that ensures that you avail of most of the accrued benefits when you opt for Apollo Munich Health’s Easy Health Insurance Plans. Assuring the availability of best healthcare, they promise wide ranging benefits. It assures a trouble free medical care giving a provision for a secured tomorrow. The reasonable insurance cost resolves the affordability issues for all.

=>  Pre-Hospitalization and Post-Hospitalization cover - Pre-Hospitalization and Post-Hospitalization cover takes care of medical expenses incurred for treatment before and after hospitalization. It gives you relief from the medical expenses incurred before and after the hospitalization, that can sometimes prove to be as costly as the hospitalization expenses. Intimate your insurer about the hospitalization as per the policy guidelines and enjoy benefit of it.

=>  Cumulative Bonus - The insured receives an increment on the sum insured on account of a claim free year. The policy entitles the insured to a bonus amount on every renewal. In case of no claim the bonus gets accumulated, hence increasing the coverage amount at no extra cost.

=>  Tax Benefits - Get tax benefits for the premium amount under Section 80D of the Income Tax Act.

    Terms of Health Insurance Policy Renewal

=>  We offer life-long renewal unless the Insured Person or any one acting on behalf of an Insured Person has acted in a dishonest or fraudulent manner or any misrepresentation under or in relation to this policy or the Policy poses a moral hazard.

=>  Maximum Age - There is no maximum cover ceasing age in this policy. For Additional cover of Critical Illness maximum cover ceasing age in this policy would be 70 yrs.

=>  Waiting Period - The Waiting Periods mentioned in the policy wording will get reduced by 1 year on every continuous renewal of your Easy Health Insurance Plan.

=>  Renewal Premium - Renewal premium are subject to change with prior approval from IRDA.

=>  Sum Insured Enhancement - Sum Insured can be enhanced only at the time of renewal subject to no claim have been lodged/ paid under the policy. If the insured increases the sum insured one grid up, no fresh medicals shall be required. In cases where the sum insured increase is more than one grid up, the case shall be subject to medicals. In case of increase in the Sum Insured waiting period will apply afresh in relation to the amount by which the Sum Insured has been enhanced. However the quantum of increase shall be at the discretion of the company.

Acquire the coverage of a right health cover and ensure best health insurance coverage in times of need. 

Disclaimer

This is only a summary of the product features. The actual benefits available are as described in the policy, and will be subject to the policy terms, conditions and exclusions. Please seek the advice of your insurance advisor if you require any further information or clarification.

Source: www.apollomunichinsurance.com

Buy Health Insurance Policy - Contact Naresh (09347848640)