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Apollo Munich Energy Health Insurance Plan

What is the Plan all About?

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 Hypertension. This health plan covers hospitalization expenses arising from diabetes/hypertension plus wellness program & health rewards.

2 plan variants can be chosen under this plan:

  • Silver Plan
  • Gold Plan


Key Features

  • Individual comprehensive health cover
  • No waiting period for hospitalization due to diabetes/hypertension
  • Avail wellness program
  • Earn reward points for staying healthy

Policy Benefits

  • In-patient hospitalization expenses such as room rent, nursing, ICU charges, Medical Practitioner’s charges, etc are covered.
  • Pre hospitalization expenses incurred towards consultations, investigations and medicines are covered for 30 days prior hospitalization.
  • Post hospitalization expenses incurred are covered for 60 days post discharge from hospital.
  • 144 day care procedures for which the insured gets hospitalized for less than 24 hours are covered.
  • Organ donor expenses towards harvesting the organ are covered.

Value Added Benefits

  • Sum Insured is enhanced at the time of policy renewal, in case no claim has been lodged/paid under the policy.
  • Expenses incurred towards emergency ambulance are covered.
  • Two complete wellness tests are covered in a policy year. For gold plan, there is a cashless facility to undergo these wellness tests at a network center. Incentive points would be rewarded for both Silver & Gold Plan.
  • Gain access to wellness support such as a personalized wellness web portal, health coach, monthly newsletters, centralized helpline to resolve queries.
  • Discount on renewal premium for maintaining good health. A part of renewal premium is also reimbursed towards medical expenses.
  • 100% cost of pre-policy medical check-up is reimbursed on acceptance of the proposal.
  • Get ‘Stay Healthy’ package for health assessment, diet & exercise plan, health newsletter and helpline services.
  • Avail tax benefits u/s 80D as per IT Act, 1961 for premium paid for this plan.

Sub Limits

  • 20%co-pay applies for both Gold and Silver Plan. It’s on an optional basis.
  • Emergency ambulance charges are covered up to Rs 2000 per hospitalization.
  • For Gold plan, when wellness tests are done at a non network (approved) center, a sum of up to Rs 2000 is reimbursed at the end of the policy year.
  • 5% to 25% discount on renewal premium for management of health conditions, depends on the points earned.
  • Reimbursement of 5% to 25% of renewal premium for medical expenses incurred, depending the points earned.

Waiting Period Clause

  • Initial Waiting Period: There is no initial waiting period, as this policy provides coverage for all hospitalization arising from Diabetes and Hypertension.
  • Specific Waiting Period: Specific illnesses such as Sinusitis, Tonsillitis, Cysts, etc. are covered after 24 months of the commencement date of the policy.
  • Pre existing Disease Waiting Period: Any pre-existing ailment/injury is covered after a waiting period of 36 months. Any condition/ailment related to Diabetes/Hypertension is not a part of this waiting period.

Who can Buy the Plan?

Factor Minimum Maximum
Age (as on last birthday) 18 Years 65 Years
Sum Assured 2 Lacs 10 Lacs
Cover Type Individual -
Policy Tenure 1 Year 1 Year
Grace Period 30 Days -
Free Look Period 15 Days -
Riders Nil -


  • War or Act of War
  • Congenital diseases or conditions
  • Mental disorder
  • Cosmetic treatment
  • Items of personal comfort
  • HIV/AIDS & related diseases
  • Experimental/Unproven treatment,etc.