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Apollo Munich Easy Health Family Plan

What is the Plan all About?

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 and accidents.

This health plan offers 3 plan variants to choose from:

  • Standard Plan
  • Exclusive Plan
  • Premium Plan

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Key Features

  • Cover for families
  • Flexible sum insured options
  • AYUSH benefit available
  • Get family discount
  • Avail cashless medicare services across 4000+ network hospitals
  • Lifelong renewability

Policy Benefits

  • In-patient treatment such as nursing, operation theater charges, medicines, consumables, blood, oxygen, etc are covered.
  • Pre hospitalization that is occurred prior hospitalization is covered up to 60 days.
  • Post hospitalization that is occurred after hospitalization is covered for 90 days.
  • Enlisted 144 day care procedures for which insured requires hospitalization for less than 24 hours are covered.
  • Domiciliary treatment expenses while availing treatment at home are covered.
  • Organ donor expenses incurred towards harvesting the organ are covered.
  • Recovery benefit is applicable under Exclusive and Premium plan, as per the limits specified.
  • Daily hospital cash for choosing shared accommodation is payable up to the limits mentioned in the policy.
  • Daily hospital cash for accompanying an insured child is applicable for Exclusive and Premium Plan.
  • Maternity expenses, including pre & post natal expenses are covered. This benefit is applicable under Exclusive and Premium Plan.
  • New born baby cover is an add-on and is applicable for Exclusive and Premium Plan.
  • Outpatient dental treatment is applicable under Premium Plan.
  • Cost of spectacles, contact lenses & hearing aids is covered under Premium Plan, as per the limits specified.
  • Get coverage for critical illnesses with an Add-on cover for Critical Illness.
  • Get worldwide cover for 8 major illnesses with Critical Advatage Rider.

Value Added Benefits

  • Get Cumulative Bonus. 10% of the sum insured is increased for every claim free policy year, subject to a maximum of 100%.
  • E-opinion in case of critical illness is applicable under the Premium Plan.
  • Emergency ambulance charges are covered up to Rs 2000 per hospitalization.
  • Sum Insured Enhancement is availed at the time of policy renewal.
  • AYUSH benefit can be availed under this plan.
  • Healthline service helps you get access to experts to get primary consultation & counselling.
  • Health Risk Assessment tool helps you get an idea about your health status.
  • Health Check up available as per policy conditions.
  • Avail tax benefits u/s 80D as per IT Act, 1961 for premium paid for this plan.

Sub Limits

  • Recovery benefit is capped up to Rs 10,000, when hospitalization goes beyond 10 continuous days.
  • Under maternity expenses, normal delivery charges are payable in a range of Rs 15,000 to Rs 30,000 and Caesarean delivery charges are payable in a range of Rs 25,000 to Rs 50,000, depending on the plan chosen.
  • AYUSH benefit is available in a range of Rs 20,000 to Rs 50,000 depending on the plan opted.
  • Daily hospital cash (shared accommodation) is available in a range of Rs 500 to Rs 1000, to a maximum of Rs 6000 as per plan opted.
  • Daily hospital cash (accompanying the insured child) is available in a range of Rs 300 to Rs 800, to a maximum of Rs 24000 as per plan opted.
  • Outpatient dental treatment is payable up to 1% of the sum insured, subject to a maximum of Rs 7,500.
  • For Standard Plan, health check-up is payable up to 1% of SI after every 4 continuous claim free policy years. For Exclusive Plan, health check-up is payable up to 1% of SI, to a maximum of Rs 5,000 at the end of every 3 continuous claim free policy years. For Premium Plan, health check-up is payable up to 1% of SI, subject to a maximum of Rs 5,000 after every 2 continuous claim free policy years.

Waiting Period Clause

  • Initial Waiting Period: A waiting period of 30 days from the inception date for all hospitalization claims except in case of accidents.
  • Specific Waiting Period: Specific illnesses such as Cataract, Pancreatitis, Sinusitis, Tonsillitis, etc.are covered after 24 months of policy coverage.
  • Pre existing Disease Waiting Period: Any pre-existing ailment/injury is covered after a continuous policy coverage for 36 months.
  • Maternity Waiting Period: Maternity expenses incurred are covered after a waiting period of 4 years. This waiting period is reduced to 3 years upon choosing SI 15/20/25/50 Lacs under Exclusive and Premium Plan.

Who can Buy the Plan?

Factor Minimum Maximum
Age (as on last birthday) Adult: 18 Years, Children: 91 Days Adult: 65 Years, Children: 25 Years
Sum Assured 2 Lacs 50 Lacs
Cover Type Family Floater -
Policy Tenure 1 Year 2 Years
Grace Period 30 Days -
Free Look Period 15 Days -
Riders Critical Illness, Critical Advantage Rider -

Exclusions

  • War or Act of War
  • Obesity and other weight control program
  • Intentional self injury
  • Cosmetic or aesthetic treatment
  • Experimental, investigational or unproven treatment
  • OPD treatment
  • Genetic disorders,etc.