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Apollo Munich Health Insurance Plans

Company Overview

Incorporated in the year 2007, Apollo Munich Health Insurance is a joint venture between Apollo Hospitals and Munich Health. Apollo Hospitals is one of the leading healthcare providers across Asia and Munich Health is a Germany based global leader in health insurance. Apollo Munich aims to make quality health care accessible to every individual, so they can lead healthier lives. The company has been awarded for Health Insurance Provider Award and InfoSec Maestros Awards – 100 Top CISOs in the year 2015. The Claim Settlement Ratio of the company for the year 2015-16 is 64.61%.

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Snapshot Of Apollo Munich Health Insurance Plans

Plan Name Plan Type Min/Max Age Min/Max SI Availability Plan Tenure
Optima Restore Individual Individual Adult: 18 years– 65 years
Child: 91 days – 25
Min SI: 3 Lakh
Max SI: 50 Lakh
Online Min: 1 year
Max: 2 year
Easy Health Individual Plan Individual Adult: 18 years– 65 years
Child: 91 days – 25 years
Min SI: 1 Lakh
Max SI: 50 Lakh
Online Min: 1 year
Max: 2 year
Dengue Care Plan Individual/Family Floater Adult: 18 years– 65 years
Child: 91 days – 25 years
Min SI: 50,000
Max SI: 1 Lakh
Online Min: 1 year
Max:
Energy Health Insurance Plan Individual Adult: 18 years– 65 years
Child: N/A
Min SI: 2 Lakh
Max SI: 10 Lakh
Offline Min: 1 year
Max:
Optima Cash Individual/Family Floater Adult: 18 years– 65 years
Child: 91 days onwards
Min SI: Rs 1000
Max SI: Rs 3000
Online Min: 1 year
Max: 2 year
Optima Restore Family Individual/Family Floater Adult: 18 years– 65 years
Child: 91 days – 25
Min SI: 3 Lakh
Max SI: 50 Lakh
Online Min: 1 year
Max: 2 year
Easy Health Family Family Floater Adult: 18 years– 65 years
Child: 91 days – 25 years
Min SI: 2 Lakh
Max SI: 50 Lakh
Online Min: 1 year
Max: 2 year
Optima Super Family Individual/Family Floater Adult: 18 years– 65 years
Child: 91 days – 21 years
Min SI: 5 Lakh
Max SI: 10 Lakh
Online Min: 1 year
Max: 2 year
Optima Plus Individual/Family Floater Adult: 18 years– 65 years
Child: 91 days onwards
Min SI: 5 Lakh
Max SI: 5 Lakh
Online Min: 1 year
Max: 2 year
Maxima health Individual/Family Floater Adult: 18 years– 65 years
Child: 91 days onwards
Min SI: 3 Lakh
Max SI: 3 Lakh
Offline Min: 1 year
Max: 1 year
Optima Super Individual/Family Floater Adult: 18 years– 65 years
Child: 91 days – 21 years
Min SI: 5 Lakh
Max SI: 10 Lakh
Online Min: 1 year
Max: 2 year

Reasons for buying Apollo Munich Health Insurance Plans

Unhealthy lifestyle and day-to-day hectic work schedule make our body prone to illnesses/injuries that may lead to hospitalization and need to pay huge medical bills. Buying a most fitting health insurance plan helps you cover high rising hospitalization expenses. Apollo Munich Health offers a wide array of health plans for both individuals & family.

Main USP’s of Apollo Munich Health Insurance Plans are:

  • Comprehensive health cover for individual/family
  • Flexible sum insured & deductible
  • Cover for non-medical expenses
  • Enjoy cashless hospitalization across 4000+ network hospitals
  • Enjoy quick claim assistance
  • Get premium discount
  • No sub-limit on room rent or co-pay applicable
  • No pre-policy medical check up
  • Reward points for staying healthy
  • Enjoy Lifelong renewability
  • Portability option available

Key Benefits of Apollo Munich Health Insurance Plans

  • In-patient hospitalization expenses where the insured needs to get hospitalized for a minimum of 24 hours are covered
  • Pre hospitalization expenses are covered for 60 days before hospitalization
  • Post hospitalization expenses are covered for 180 days after hospitalization
  • Listed day care procedures/surgeries, which requires hospitalization for less than 24 hours are covered
  • Domiciliary treatment expenses are covered
  • Organ donor expenses are covered
  • Recovery benefit is payable
  • Daily hospital cash is payable, subject to the terms applicable
  • Worldwide coverage for listed major illnesses, upon choosing rider
  • Maternity expenses are covered
  • New born baby cover is available as an add-on cover
  • Outpatient treatment is covered, up to the limits specified
  • Cost of hearing aids, spectacles & contact lenses are covered
  • Parent accommodation benefit is payable, as per the terms specified
  • Tax benefits are applicable for the premiums paid under section 80D of the Income Tax Act, 1961

Value Added Benefits under Apollo Munich Health Insurance Plans

  • Get Cumulative Bonus as specified under the policy terms
  • Enhancement of Sum Insured at the policy renewal
  • Automatic restoration of sum insured up to 100% of the basic sum insured
  • Emergency ambulance charges are covered
  • Take benefit of E-opinion for critical illness
  • Health check-up is covered after 2/3/4 continuous claim-free policy years, as specified under the plan chosen
  • AYUSH benefit is applicable
  • Avail Healthline service to get primary consultation
  • Health Risk Assessment tool to have an idea about the health condition
  • Wellness Offers for dengue prevention
  • Wellness tests are covered
  • Reimbursement of pre-policy medical check-up
  • Avail ‘Stay Healthy’ package
  • Waiver of Deductible is available

(Note: The health plan benefits, features, specifications may differ from one to another)

List of Apollo Munich Health Insurance Plans

1. Apollo Munich Optima Restore Individual Plan

Optima Restore Plan is more than just a traditional health plan. Apart from covering hospitalization expenses, this health plan offers a unique Restore benefit. It also rewards you a multiplier benefi ... Read more

2. Apollo Munich Easy Health Individual Plan

Easy Health Individual Plan provides you a cover against spiraling medical costs. This health plan covers in-patient hospitalization expenses and it also has an optional critical illness cover. Covera ... Read more

3. Apollo Munich Dengue Care Plan

Dengue Care Plan provides unique protection to fight dengue. This health plan offers protection for you & your family, in case of in-patient and out-patient treatment for dengue. This plan covers ... Read more

4. Apollo Munich Energy Health Insurance Plan

Energy Health Insurance Plan helps you fight against diabetes and hypertension. Individuals with Type 2 Diabetes Mellitus, Pre-Diabetes (Impaired Glucose Tolerance/Impaired Fasting Glucose), and Hyper ... Read more

5. Apollo Munich Optima Cash Plan

Optima Cash is a top-up health plan that provides daily hospital cash in the event of hospitalization arising out of accidents/illness. It also provides coverage for parent’s hospitalization, da ... Read more

6. Apollo Munich Optima Restore Family Plan

Optima Restore Family Plan covers you and your family against in-patient hospitalization expenses. This health plan offers a unique restore benefit with which the sum insured is reinstated automatical ... Read more

7. Apollo Munich Easy Health Family Plan

Easy Health Family Health Insurance Plan provides a complete health cover against high rising medical costs. It provides broad coverage for in-patient hospitalization expenses arising from illnesses a ... Read more

8. Apollo Munich Optima Super Family Plan

Optima Super is an aggregate top-up health plan that offers you the flexibility to choose from the varied sum insured & deductible options. This health plan helps you get the optimum coverage depe ... Read more

9. Apollo Munich Optima Plus Plan

Optima Plus is a top-up health insurance plan that covers higher medical expenses at a nominal premium. You can also convert this health plan to a nil deductible plan. This nil deductible option helps ... Read more

10. Apollo Munich Maxima Health Plan

Maxima health plan offers unique out-patient cover apart from the wide in-patient cover. It provides cover against in-patient hospitalization expenses plus other small day-to-day health problems that ... Read more

11. Apollo Munich Optima Super Plan

Optima Super is an aggregate top-up plan that covers your medical spends beyond the sum insured of your existing health plan. This health plan helps you enhance the sum insured at a nominal premium. Y ... Read more