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  • Apollo Munich Health Insurance

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    Cashless Treatment

    Customer Service

    Medical Coverage

    Claim Experience

    Apollo Munich Health Insurance is a standalone health insurance company is a joint venture between Apollo Hospitals Group and Munich Health, a world leader in the field of health insurance. Apollo Munich Health Insurance offers health insurance and other products.

    With a steady rise in the cost of healthcare and lifestyle diseases, health insurance has become a necessity to all. Apollo Munich Health Insurance is a joint venture between Apollo Hospitals Group and Munich Health. The insurance company is committed to providing world-class healthcare to all.

    Apollo Munich Health Insurance is one of the top health insurance providers in India. From individual and family floater plans to group health insurance policies for corporates, the insurer provides a wide range of health insurance products. It has good ratings and reviews from popular publications such as Hindustan Times and Economic Times.


    Apollo Munich Health Insurance at a Glance

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    Coverage for your most loved ones

    Total members covered

    Coverage for a maximum of 6 family members with up to 2 adults and 4 children

    You get a choice of coverage tenure

    Pre and Post Hospitalization cover

    Medical expenses covered for 60 days before your hospitalization and 90 days for post hospitalization for related medical expenses under Easy Health Insurance and Optima Restore product.

    The next best thing to having a doc in the family

    Health Check-ups

    Upto 1% of Sum Insured per Insured Person under Individual plan and Upto 1% of Sum Insured per policy under Family plan.

    * For a family health cover product.

    Critical Factors of the Plan

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    Not a paisa goes from your own pocket!

    Co-Pay

    No co-payment

    You're covered for any future medical expenses

    Life long renewable

    Plans are lifelong renewable and covers you for your entire lifetime.

    Get essential cover for existing ailments

    Pre-existing Diseases

    Any pre-existing condition will be covered after a waiting period of 3 year

    Hospital room rent determines your treatment bill

    Room Rent

    No Sub-limits on Room Rent

    *These Features may be included as part of different products and are subject to the insurer's terms & conditions.

    Additional Features of Apollo Munich Health Insurance

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    Good health offers multiple rewards

    Access to a health risk assessment tool.

    The world is your healthcare oyster

    Cashless hospitalization at 4000+ hospitals across India

    So you have time to focus on more important stuff

    10% cumulative bonus every claim free year under Easy Health Insurance and 50% multiplier benefit every claim free year under Optima Restore.

    *These add-ons may be included as part of different products and are subject to the insurer's terms & conditions.

    Apollo Munich Health Insurance Highlights Updated on 21 Oct 2017

    Features Specifications
    Network Hospitals 4000+
    Waiting Period for Pre-existing Disease 3 years
    Incurred Claims Ratio 64.61%
    Number of Policies Issued 576020
    Grievances Solved 99.60%
    Renewability Lifetime

    *For Year 2015-2016

    Overview

    Apollo Munich Health Insurance Plans

    The name Apollo Hospitals is synonymous with superior medical practices and an enduring brand recognition factor in India. On 8th August 2007, this giant shook hands with Munich Health, a popular insurance brand that is recognized worldwide, and the outcome as expected, is an impressive pioneer in its speciality. Today, Apollo Munich Health Insurance is one of the most trusted and preferred health insurance brands in India.

    The statistics are impressive- Over 80% of Apollo Munich's existing customers renew their policies each year, over 95% of the claims are settled within 30 days from the point of initiation of the claim with 15 days being the average claim settlement period, cashless authorizations happen within 2 hours from the point of claim intimation. No wonder, over 85% of Apollo Munich's customers respond positively when asked for a feedback. Truly, the company has the drive, the recognition and the resources to perch itself on top of the health insurance domain in India.

    The company has over 50 branch offices across the country. The health insurance policies offered by Apollo Munich can be purchased through agents as well as the company's official website. The health insurance policies offered by Apollo Munich is not only to safeguard you against medical expenses but also for preventive healthcare treatments. The insurer has settled Rs.2913 crore claims from inception till June 2017.

    Apollo Munich Health Insurance won the 2015 Health Insurance Provider Award by Money Today and Financial Planning Corporation for demonstrating leadership in ensuring financial well-being of consumers. In 2014, Apollo Munich Health Insurance won the Product Innovation Award and Innovation of the Year Award for its product, Energy which is designed for individuals with diabetes.

    Awards & Recognitions:

    Apollo Munich bagged the ‘Best Health Insurance Company of the Year’ Award:

    Leading health insurance company Apollo Munich has won the award for being the best insurance company of 2016, at the ABP News Healthcare Awards 2016. The award was a recognition of the insurer’s efforts in providing uncomplicated solutions in health insurance and in the creation of new benchmarks in the industry.

    Antony Jacob, CEO of the company, stated that Apollo Munich has ample knowhow and expertise in the field of health insurance and general healthcare. He said that the company strives to make health insurance a significant tool for financial planning in the country. He also mentioned that the award will motivate them further to innovate and provide improved products for better customer experience.

    Apart from health insurance, the company also provides a wide variety of personal accident policies and travel insurance.

    Why Compare Apollo Munich Health Insurance Plans on BankBazaar?

    Individual Health Insurance Plans from Apollo Munich

    The health insurance plans for individuals from Apollo Munich are designed to bring convenience, world class medical assistance and complete peace of mind. These plans have garnered the most awards and recognitions, are known for the ease of their cashless hospitalization procedures, restoration of benefits with 100% no claim bonus and no additional loadings at renewal due to earlier claims. Simple, functional and powerful, all bunched into one solid package.

    Family Health Insurance Plans from Apollo Munich

    These plans are designed to provide complete coverage for health related issues that might occur with the members of a family. A family group is defined as the combination of the insured, his/her spouse, two dependent children and dependent adults including parents, grandparents and in-laws. The benefits of these plans include, coverage for entire family under one plan, no additional loading at the time of renewal if claims have been issued, 100% no-claim bonus and sum insured on individual members of the family ranging from Rs.3 to 15 Lakhs.

    Senior Citizen Health Insurance Plans from Apollo Munich

    Senior citizen health insurance plans are meant for applicants over 65 years of age. These plans are meant to provide financial security from medical expenses to seniors. Seniors tend to mostly rely on pensions and interests, and complications in health can be disastrous to their long-term finances. Senior citizen health plans from Apollo Munich provide benefits in areas such as in-patient hospitalization, pre and post hospitalization, day care and domiciliary treatments, organ transplant, emergency ambulance, and so on. Customers also stand to receive cumulative bonus, sum insured enhancement, cashless service, portability and other important features.

    The following individual and family health insurance plans are currently in circulation.

    Easy Health Standard

    This plan is a complete hospitalisation cover with no sublimits or copays and Sum insured options upto Rs 5 lacs. It has option for choosing a Critical Illness Rider.

    Entry Age 5 years to 65 years
    Basis Floater(Option for choosing a Critical Illness Rider)
    Policy Term 1 or 2 years
    Sum Assured Upto Rs 5 lacs
    Coverage for self, spouse, dependent children, dependent parents, parent-in-law, grandparents and grand children
    Benefits Offered In-Patient Hospitalisation, Pre-Hospitalisation, Post-Hospitalisation, Day-Care Procedures, Domiciliary Treatment, Organ Donor, Daily Cash, Emergency Ambulance, Ayush Benefit, Health Check-up, Critical Illness (optional)
    Additional Cover Insured can opt for an additional cover for Critical Illness which covers for cancer, coronary artery (bypass) surgery, first heart attack (myocardial infarction), kidney failure (end-stage renal disease), major organ transplantation, multiple sclerosis, paralysis and stroke.
    Discounts 7.5% discount if opted for 2 years policy term

    Easy Health Exclusive

    This health insurance plan protects a person from unforeseen emergencies by covering medical expenses. The plan coverage is offered on individual sum insured basis and offers an add-on coverage for listed critical illnesses

    Entry Age 5 years to 65 years
    Basis Individual/floater
    Policy Term 1 or 2 years
    Sum Assured up to Rs 50 lacs
    Coverage for self, spouse, dependent children, dependent parents, parent-in-law, grandparents and grand children
    Benefits Offered In-Patient Hospitalisation, Pre-Hospitalisation, Post-Hospitalisation, Day-Care Procedures, Domiciliary Treatment, Organ Donor, Daily Cash, New Born Baby, Maternity Expenses, Emergency Ambulance, Ayush Benefit, Health Check-up, Critical Illness (optional)
    Additional Cover Option for choosing a Critical Illness Rider
    Recovery Benefit Lump sum benefit of Rs. 10000, if hospitalisation is for greater than 10 days - (For sum insured 15 lacs & above)
    Discounts 7.5% discount if opted for 2 years policy term

    Easy Health Premium

    This plan offers coverage on floater sum insured basis and offers an add-on optional cover of the critical illness listed.

    Entry Age 5 years to 65 years (A dependent child can be covered from the 91st day (if either parent is covered under this policy)).
    Basis Individual/floater
    Sum Assured Upto Rs 50 lacs
    Benefits Offered In-Patient Hospitalisation, Pre-Hospitalisation, Post-Hospitalisation, Day-Care Procedures, Domiciliary Treatment, Organ Donor, Daily Cash, New Born Baby, Maternity Expenses, Emergency Ambulance, Ayush Benefit, Health Check-up, Outpatient Dental Treatment, Spectacles, Contact Lenses, Hearing Aid, E-Opinion in respect of a Critical Illness, Critical Illness (optional)
    Policy Term 1 or 2 years
    Coverage for Self, spouse, dependent children, dependent parents, parent-in-law, grandparents and grand children
    Additional Cover Critical Illness Rider
    Recovery Benefit Lump sum benefit of Rs. 10000, if hospitalisation is for greater than 10 days - (For sum insured 15 lacs & above)

    Optima Restore

    Optima Restore is a health insurance plan offered by Apollo Munich Health Insurance Company. It offers a ‘restore’ benefits which automatically restores the basic sum insured in case you consume it in a policy year

    Entry Age 5 years to 65 years (A dependent child can be covered from the 91st day (if either parent is covered under this policy)).
    Policy Term 1 or 2 years
    Basis Individual/floater
    Sum Assured Rs 3 lacs to Rs 50 lacs
    Reinstatement of sum assured when exhausted in the middle of the year
    Benefits Offered In-Patient Hospitalisation, Pre-Hospitalisation, Post-Hospitalisation, Day-Care Procedures, Domiciliary Treatment, Organ Donor, Daily Cash, Emergency Ambulance
    Coverage for Self, spouse, dependent children, dependent parents / parents in law
    Restore Benefit Automatic re-instatement of the basic sum insured, if the basic sum insured and multiplier benefit has been exhausted during the policy year. Basic sum insured will be re-instated only once in a policy year.
    Pre and post hospitalisation coverage 60 and 180 days
    E-opinion On request of the Insured person diagnosed with a critical illness, We will arrange for a second opinion from a medical practitioner selected by the insured person from Our panel. This benefit can be availed once in a policy year
    Multiplier Benefit Bonus of 50% of the basic sum insured for every claim free year accumulating up to 100% is provided . (In the event of a claim, the bonus shall be reduced by 50% of the Basic Sum Insured at the time of renewal).

    Optima Plus

    This plan offers to cover for higher hospitalisation expenses for a nominal premium. It offers an option to convert a nil deductible health insurance plan on retirement.

    Entry Age 5 years to 65 years
    Policy Term 1 or 2 years (7.5% discount if opted for 2 years policy term).
    Basis Individual
    Sum Assured 5 lacs.
    Benefits Offered In-Patient Hospitalisation, Pre-Hospitalisation, Post-Hospitalisation, Day-Care Procedures, Domiciliary Treatment, Organ Donor, Emergency Ambulance
    Coverage for Self, spouse, dependent children, dependent parents.
    Conversion to Nil Deductible Policy The option to convert the plan to a fully fledged Indemnity Health Insurance plan at retirement is available only at renewal between 58-60 years provided insured has enrolled under this policy before the age of 50 years and have renewed continuously without a break

    Optima Super

    A plan to supplement your existing plan with low sum insured. It is great for customers covered under group plans and Unique waiver of deductible option to enjoy full coverage when you choose. Also it covers hospitalisation and day-care cover with no sub-limits.

    Entry Age 5 years to 65 years (A dependent child can be covered from the 91st day (if either parent is covered under this policy)).
    Policy Term 1 year or 2 years with a grace period of 30 days
    Basis Individual/floater
    Sum Assured Three options for sum assured are offered; Rs. 5 lakhs, Rs. 7 lakhs or Rs. 10 lakhs
    Benefits Offered In-Patient Hospitalisation, Pre-Hospitalisation, Post-Hospitalisation, Day-Care Procedures, Organ Donor, Ambulance Service
    Coverage for Self, spouse, dependent children, dependent parents
    Waiver of Deductible benefit The option to convert the plan to a fully fledged Indemnity Health Insurance plan with no underwriting or medicals is available only at renewal between 55-60 years provided Insured is enrolled under this policy before the age of 50 years and have renewed continuously without a break.

    Optima Vital

    The Optima Vital is a critical illness health insurance policy that offers lump sum amounts upon diagnosis of 37 different critical illness.

    Entry Age 18 years to 65 years (dependent child can be covered from 18 years upto 25 year)
    Policy Term 1 or 2 years
    Basis Individual / Family
    Sum Assured 1 to 50 lacs
    Benefits Offered Critical illness,
    E-opinion On request of the Insured person diagnosed with a crticial illness, We will arrange for a second opinion from a medical practitioner selected by the insured person from Our panel. This benefit can be availed once in a policy year
    Coverage for self, spouse, dependent children, dependent parents are eligible for buying this cover on individual sum insured basis.
    Waiver of Deductible benefit Available only at renewal between 55-60 years
    Discounts 7.5% discount if opted for 2 years policy term

    Dengue Care

    Dengue is a terrible disease that affects the young and the old alike, and reports of the disease are rising as the disease is spreading faster than ever before. Modern medicine is able to fight it, but it comes at a price – and this price is sadly more than most can afford.

    Entry Age Children - Min 91 Days to 25 Years Adults - 18 Years to 65 Years
    Basis Individual / Family
    Policy Term Annual Policy
    No of Persons 6 Members
    Sum Assured 50,000 to 1,00,00
    Benefits Offered No maximum cover ceasing age, Inpatient Hospitalisation, Pre-hospitalization expenses, Post-hospitalization expenses, Shared accommodation, Cashless service, Outpatient consultations, Pharmacy, Diagnostic tests, Home nursing, Cashless service, Lifetime renewability.
    Renewability Lifetime
    Tax Benefits Under Section 80D of the Income Tax Act, 1961

    Why buy Apollo Munich health insurance policy?

    Here are some reasons why you should consider purchasing health insurance from Apollo Munich:

    • Sum Insured: You can choose a sum insured ranging from Rs.1 lakh to Rs.15 lakh. A good health insurance policy is one that offers a comprehensive health cover at an affordable premium.
    • Timely healthcare: In the case of medical emergencies such as a sudden illness or accident requiring hospitalisation, a suitable health insurance policy offered by Apollo Munich will ensure you receive timely and adequate healthcare. You don't have to dipped into your savings or borrow a loan to pay the medical bills.
    • Network hospitals: Apollo Munich has over 4000 network hospitals across India where you can avail cashless facility.
    • Cashless hospitalisation: The health insurance policies offered by Apollo Munich provide cashless hospitalisation wherein the insurer will pay the medical bills directly to the hospital. You don't have to pay the hospital bills upfront out of your pocket. Apollo Munich has a speedy and simple claims approval process.
    • Claim process: Apollo Munich has an efficient claim process in place to ensure the claims are settled within 15 days. The Claim Settlement Ratio of Apollo Munich Health Insurance for FY2015-16 is 89%.
    • Portability: The health insurance plans offered by Apollo Munich can be ported from one insurer to another without losing the policy benefits like waiting period and no-claim bonus.
    • Tax benefit: Under Section 80D of the Income Tax Act, 1961, assessee can get tax deduction on premium paid towards a health insurance policy for self, parents, and parents who are senior citizens subject to a limit of Rs.15,000 to Rs.20,000.
    • Lifelong renewability: All health insurance plans offered by Apollo Munich have a lifelong renewability option so that the insured member can get health cover in his or her hour of need.
    • No-Claim Bonus (NCB): For every claim-free year, earn up to 100% NCB in the form of a 50-100% increase in sum insured.
    • Restore benefit: In the case of Optima Restore health insurance policy offered by Apollo Munich, the insurer will restore the full sum insured for any new illnesses if you or a family member exhausts the entire sum insured during the policy term.
    • Health and Wellness Portal: With Apollo Munich's health and wellness portal, insured members can keep track of their health conditions like BMS, weight, etc. You can chat with a health coach, access reports 24/7 from anywhere in the world, keep track of appointments, and improve your lifestyle habits.
    • Health Checkup: At the end of every 2, 3 or 4 claim-free years, 1% of the sum insured will be reimbursed for a free health checkup.

    Apollo Munich customer care

    Visit the official website of Apollo Munich Health Insurance for any policy-related queries. Click on the 'Customer Service' tab. You will get the following options:

    • Contact Us: Policyholders can get in touch with the insurer regarding any policy-related queries by filling out a simple online form or calling the customer support centre on toll-free number 1800-102-0333. You can also mail the insurer with your queries to this email ID - customerservice@apollomunichinsurance.com.
    • Locate Network Hospital: Click on this tab to locate a list of network hospitals of the insurer in your location or anywhere in the country. All you have to do is enter few details such as city, state, policy, etc.
    • Apollo Edoc: Insured members can book an appointment with their doctor online.
    • Download forms and brochures: All policy-related forms and brochures can be downloaded from the Apollo Munich Health Insurance website.
    • Locate branch office: Apollo Munich has 50+ offices across India. You can locate a branch office using the Branch Locator tool on the website.
    • MHC Diagnostic Centres: Get a list of Master Health Checkup Diagnostic Centres in India on the Apollo Munich website.
    • Claim Procedure: When registering a claim with the insurer, provide your contact details, name of the insured member, policy number, date and time of the claim, nature of claim, and location. Claims can be registered at the insurer's customer service centre or any of the branch offices by email, call or letter. For any claim-related queries, call 1800-102-0333 or email us at customerservice@apollomunichinsurance.com.
    • Grievance Redressal: Apollo Munich Health Insurance strives to ensure customer queries and complaints are resolved on time. Register your complaints or concerns through the website, email, call, walk-in or send a letter to Apollo Munich Health Insurance Co. Ltd., iLABS Centre, 2nd and 3rd Floor, Plot No 404 - 405, Udyog Vihar, Phase – III, Gurgaon-122016, Haryana.
    • Senior Citizen: Individuals above 65 years of age who require health insurance can get in touch with the insurer to receive assistance on how to purchase a policy.
    • SMS notification: Register for SMS Helpline and get instant alerts via SMS to your registered mobile number about policy-related information. For instance, to know more about Optima Cash health insurance policy, SMS 'CASH' to 56767333.

    Apollo Munich login

    To log into the Apollo Munich Health Insurance website, first register with your name, email ID, and mobile number.

    • Corporate employees can register using their Member ID and Employee ID.
    • A Corporate Administrator can register using his or her Policy Number and Group ID.
    • A Sales Partner can register using Agent Code and Date of Birth.
    • A Broker or Corporate Agency can register with Broker or Agency Code and Date of Joining.

    You can also sign in with your Facebook, Gmail or mobile connect log-in.

    Apollo Munich health insurance renewal

    To renew your health insurance policy, log into the Apollo Munich Health Insurance website with your email or member ID and password. You can also login using your policy number. The policy schedule contains a unique policy number which changes every year on renewal. For instance, if your policy number is 6000013840, at the time of renewal every year, a number will be added to it like 6000013840-01 or 6000013840-02. At the time of renewing your policy online, enter the exact policy number as mentioned in the policy schedule.

    Renewal payment can be made 60 days prior to the policy expiry date. Renewal premium is calculated based on the age of the insured at the time of renewal. You will be given a 30-day grace period within which to renew your policy. Renewal post grace period requires you to apply fresh for the policy and you lose all benefits accrued under the previous policy. At the time of renewal, you can choose a different policy, change the sum insured, add dependants such as spouse and children, remove dependents, attach or remove rider policy, and change policy term.

    In addition to online renewal option, you can also opt to renew your policy through an Interactive Voice Response (IVR) and use the direct payment link. Contact 1800-102-0333 for more details.

    Apollo Munich premium calculator

    Apollo Munich Health Insurance website offers an online premium calculator that is easy to use. All you have to do is choose a policy, then select your location from the drop down box, enter your family size, sum insured, and age of the eldest member. The Apollo Munich premium calculator will give you the base premium, discounted premium, and gross premium amount including tax per year. Based on the premium you can decide on whether you want to purchase the policy or not.

    Apollo Munich Optima Restore

    Apollo Munich Optima Restore is an award-winning product that ensures the policy covers the insured members for the entire duration of the policy term even after a claim has been made and the sum insured has been exhausted by a member. Apollo Munich Optima Restore is an innovative health insurance policy, designed for individuals and families. It offers some unique benefits, namely:

    • Stay Active: This benefit offers premium discounts to customers who lead an active lifestyle.
    • Multiplier: For every claim-free year, the sum insured will increase by 50% of the basic cover in the following year.
    • Restore: If a family member exhausts the full floater sum insured during the policy term, the insurer will restore the entire amount at no extra charge.

    Eligibility: Individuals from the age of 5 to 65 years are eligible for the policy. Up to 6 members can be covered under a single policy. The policy term is 1 to 2 years. You can get a 7.5% discount if you opt for a 2-year term.

    Benefits: This policy covers in-patient hospitalisation, pre and post-hospitalisation, day-care procedures, domiciliary treatment, organ donor treatment, daily cash benefit for choosing a shared hospital room at a network hospital, ambulance fees, preventive health checkup, and arrange for second opinion in the case of a critical illness diagnosis. You can also opt for Critical Advantage Rider that covers treatment expenses for 8 major critical illnesses such as cancer, bone marrow transplant, neurosurgery, heart valve replacement, etc.

    Exclusions: This policy has an initial waiting period of 30 days for all illnesses except an accidental injury. Pre-existing diseases will be covered after a 3-year waiting period. There is a 2-year waiting period for specific diseases like joint replacement surgery, hernia, cataract, etc. Congenital diseases, cosmetic surgery , HIV/AIDS, mental disorder, and weight control treatments are excluded under the policy. Other exclusions include nuclear threat, war, alcohol or drug abuse, pregnancy related treatment, dental treatment, etc.

    Renewal: Optima Restore offers a lifelong renewability option. There is a 30-day grace period to renew your policy. Renewal premium is subject to change with IRDAI approval.

    Apollo Munich Health Insurance Claim Settlement

    Apollo Munich Health Insurance has an efficient claim procedure to ensure all claims are settled within 15 days. From the time of inception till June 2017, the insurer has settled Rs.2913 crore claims. The Claim Settlement Ratio of the insurer is 89% for FY2015-16. When you want to register a claim provide your contact details, name of the insured member, policy number, date and time of the problem, nature of the problem, and location of the problem.

    Claim procedure will be available in the policy document. All claim payments will be transferred to the customer's bank account or a cheque will be sent in the name of the policyholder. Apollo Munich Health Insurance has an in-house claim settlement process. Claims can be registered at the insurer's customer service centre or any of the branch offices through letter, call, email or in person. For any claim-related queries, call toll-free number 1800-102-0333 or email at customerservice@apollomunichinsurance.com.

    Features of Apollo Munich Health Insurance

    Optima Restore, Optima Senior, Easy Health Standard, Easy Health Exclusive, and Easy Health Premium are some of the health insurance plans offered by Apollo Munich Health Insurance for individuals, families, and senior citizens.

    • Optima Restore offers unique policy benefits such as restore benefit, multiplier benefit, and stay active benefit to promote the wellbeing of its customers. Get insured up to Rs.15 lakh under this policy.
    • Individuals can choose Easy Health plan for an insurance coverage ranging from Rs.1 lakh to Rs.10 lakh. Family floater plans are available for Rs.2 to Rs.10 lakh coverage.
    • Cashless hospitalisation can be availed in 4,000+ network hospitals across India.
    • Critical illness rider can be attached to the base health insurance policy for additional coverage.
    • Insurance coverage available for newborn babies more than 3 months old along with an insured parent.
    • Daily cash benefit available for insured members choosing a shared hospital room.
    • Get 10% cumulative bonus for every claim-free year.

    Services

    Apollo Munich Health Insurance provides some unique customer services to promote the wellbeing of its customers such as:

    • Healthline: Insured members can call toll-free number 1800-102-0099 for any emergency or general health consultation. Healthline is a confidential healthcare information service managed by specially trained healthcare personnel called health coach. Health Coach will follow up with the insured members at regular intervals on their health status, educate you on what to do during an emergency, and give guidance about self-care, minor injuries, and minor illnesses.
    • Health and Wellness Portal: With Apollo Munich's health and wellness portal, insured members can keep track of their health conditions like BMS, weight, etc. You can chat with a health coach, access reports 24/7 from anywhere in the world, keep track of appointments, and improve your lifestyle habits.

    Renewal

    All health insurance plans offered by Apollo Munich comes with a lifelong renewability option. The maximum age for renewal is 70 years for additional coverage of critical illness. In the case of continuous renewal, the waiting period will reduce by one year. Sum insured can be enhanced only at the time of policy renewal as long as a claim hasn't been made.

    Exclusions

    Exclusions of the health insurance plans offered by Apollo Munich Health Insurance includes:

    • An initial waiting period of 30 days for all illnesses except an accidental injury.
    • A 3-year waiting period for pre-existing diseases.
    • Coverage for HIV/AIDS treatment is excluded.
    • Treatments for mental disorders, cosmetic surgery, congenital diseases, and weight control are not covered.
    • Non-allopathic treatments are not covered.
    • Treatments for substance abuse such as alcohol and drugs are not covered.
    • Hospitalisation due to war or nuclear threat is not covered.
    • Dental treatment and pregnancy-related treatment are not covered.
    • There is a 2-year waiting period for specific illnesses such as hernia, cataract, joint replacement, etc.
    • Experimental treatments are not covered.

    FAQs

    1. What do you mean by pre and post-hospitalization?

      Pre-hospitalisation is where the policy covers medical expenses incurred due to an illness during the first 60 days prior to hospitalisation. Post-hospitalisation is where the policy covers medical expenses incurred in the 180 days after the discharge from hospital.

    2. How can I add my family members to my existing policy?

      Download the Change Request form from the Apollo Munich Health Insurance website, fill it, and submit it at the nearest branch office along with the revised premium. Mid-term policy addition is allowed only for a newborn baby or newly-wed spouse. Other additions can be done only at the time of renewal.

    3. I want to increase my sum insured. How do I go about it?

      To increase the sum insured, download the Change Request form from the Apollo Munich Health Insurance website, fill it, and submit it at the nearest branch office along with the revised premium. Sum insured can be increased or decreased only at the time of renewal. In the case of health insurance portability, sum insured can't be increased if a claim has been made in the previous policy.

    4. What is Restore Benefit in the Apollo Munich Health Plan?

      Apollo Munich Health Plan offers a unique policy benefit called the restore benefit wherein if an insured member has exhausted the sum insured in a policy year, the insurer will restore the basic sum insured at the time of renewal in order to ensure all the members are covered until the end of the policy term. Sum insured will be restored only once per year.

    5. Will the insured member have to send a request to AMHI for restoration of sum insured?

      The basic sum insured will automatically be restored by the insured once it is exhausted. The policyholder will receive an endorsement of the same.

    6. How many times can the Restore Benefit be triggered in policy year and policy lifetime?

      In a policy year, the restore benefit can be triggered only once. Restore benefit can be triggered once a year till the end of the policy term.

    7. What is multiplier benefit?

      Under the multiplier benefit, for every claim-free year, the insurer will offer up to 100% no-claim bonus in the form of an increase in sum insured. For the first claim-free year, the sum insured will increase by 50% and the second claim-free year, the sum insured will be increased by 100%.

    8. Is prescription mandatory for claiming under OPD benefit for routine medicines? If yes, then will the old prescription be considered at the time of claim?

      To make a claim for pharmacy expenses under Out Patient Department (OPD), you need to submit the prescription with a current usage requirement of the medicine. For instance, the medication for Hypertension can be lifelong while the medication for an infection will only for be for a time period.

    9. Will the insured have to submit prescription every time along with the bills in case he or she purchases routine medicines?

      The prescription can be submitted once at the end of the year along with bills for reimbursement under OPD.

    10. How will multiplier benefit work in case there is no claim in policy during all policy years?

      For a 4-year policy term, if the policyholder hasn't made any claims in all 4 years, then under the multiplier benefit, the sum insured will increase by 50% in the second year, and 100% in the 3rd and 4th years.

    11. How will multiplier benefit work in case there is claim in policy in one policy year?

      In the case of a claim, the sum insured will be reduced by 50% but not below the basic sum insured.

    12. Will vaccination be covered under OPD benefit?

      If supported by a medical prescription, vaccination will be covered under OPD benefit. In the case of routine vaccination for children, the vaccination chart has to be submitted.

    13. Can I opt for multiple sum insured for my family members covered in the plan?

      Sum insured can't be selected across the variants in one single application form. Within the chosen variant, multiple sum insured can be selected for your dependents.

    14. How can I claim my OPD expenses?

      Submit the original medical bills along with the prescriptions once at the end of the year to the insurer for reimbursement claims for OPD expenses.

    Find cashless network hospitals nearby: Apollo Munich Network Hospital

    Apollo Munich Contact & Registration Details

    Apollo Munich Health Insurance Co. Ltd. 2nd & 3rd Floor, iLABS Centre, Plot No. 404-405, Udyog Vihar, Phase-III, Gurgaon-122016, Haryana
    Corp. Off. 1st Floor, SCF-19, Sector-14, Gurgaon-122001, Haryana
    Reg. Off. Apollo Hospitals Complex, Jubilee Hills, Hyderabad-500033, Andhra Pradesh
    Insurance is the subject matter of solicitation.
    For more details on risk factors, terms and conditions, please read sales brochure carefully before concluding a sale.
    For any help contact us at: E-mail : customerservice@apollomunichinsurance.com, IRDA Registration Number - 131
    Corporate Identity Number: U66030AP2006PLC051760

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    News About Apollo Munich Health Insurance

    • Apollo Health Insurance: New branches opened in Indore and Bhopal

      Krishnan Ramchandran, Deputy CEO of Apollo Munich Health Insurance said that the company is happy with the increasing awareness and demand of health insurance in Indore and Bhopal. The company is looking forward to increasing its customer base in Madhya Pradesh by opening a second branch in these 2 places. Apollo Munich is one of the leading players in the health insurance market by taking the first initiative to introduce health insurance policies with lifelong renewal option, no co-pay, no sub-limits, portability, no claim-based loading, restore benefit, and multiplier benefit. The company has decided to establish 55 additional branches across the country this year. The Claim Settlement Ratio (CSR) of Apollo Munich is 93% which is above industry standards. The company also has tie-ups with over 4,500 network hospitals to ensure its customers receive quality healthcare.

      28th September 2017

    • Revamped and upgraded offers for Canara Bank customers from Apollo Munich Health Insurance

      The Apollo Munich Health Insurance company today announced that they have upgraded and revamped its offers for the customers of Canara Bank. The simple cover will provide double sum assured for the treatment of cancer and related expenses, the health insurance company announced.

      Other benefits will include 100% restoration of sum assured if used within the policy term, no-claim bonus for leading a healthy life, hospital cash on a daily basis of up to Rs.1,000 upon hospitalization. This hospital cash will be provided to cover the expenses that are not offered under the conventional health insurance plan and annual health check-ups to keep the wellness offerings simple for the customers of health insurance.

      The chief executive officer, Apollo Munich Health Insurance informed that to offer a simple health cover to the customer of Canara Bank, they have improved the existing plans to support them in both wellness and illness.

      29th June 2017

    • _______
    • “Don’t think twice” says Apollo Munich Health Insurance’s new campaign

      A new campaign from Apollo Munich Health Insurance has been launched highlighting their new product Optima Restore. The commercials that were recently aired on television were asking people to take the health insurance policies and continue to enjoy life without any worries. The plan Optima Restore gives the policyholders, with the best health cover and offers them a double safety blanket as well. It provides protection towards the high healthcare costs, and even if the policyholder’s sum assured has been utilised in the tenure of the policy and illness in the same year.

      1st March 2016

    • Apollo Munich ties up with Dena Bank to expand footprint in India

      Expanding its presence in India, Apollo Munich Health Insurance partnered up with the state-owned Dena Bank. The bancassurance tie-up will facilitate the distribution of health insurance policies and personal accident policies to over 20 million customers across the country. Specially designed policies have been developed by Apollo Munich to provide customers health insurance solutions without the complicated application process. Dena Bank customers will be at the receiving end of exclusive benefits. Health insurance policies will be issued as individual plans and family plans. Customers will have flexibility in choosing their sum assured from Rs.2 lakhs to Rs.10 lakhs. Policyholders will then benefit from cost cover on in-patient hospitalisation, pre and post hospitalisation, domicile treatment, daycare procedures, Ayush benefits and more.

      28th February 2017

    • Apollo Hospitals Group Gearing up to sell 23.1% stake in Apollo Munich Health Insurance

      Apollo hospitals group is all set to sell a 23.1% stake in its health insurance. The 23.1% stake in Apollo Munich Health Insurance will be sold to partner Munich Re of Germany for Rs 163.5 crore and the deal will see the insurer getting valued at Rs 703 crore

      The transaction will be completed upon the completion of customary agreements and the applicable regulatory approvals which is expected to be completed by the end of the first quarter of 2016. Once the stake has been sold off, the holding of Apollo Hospitals Group will be reduced to 51.1% from the previous 74.4%

      Chairman of Apollo Hospitals Enterprise and Apollo Munich Health Insurance Company Ltd, Dr Prathap C Reddy said that this show of confidence in their joint venture partner will go a long way in making healthcare applicable to the masses and added that health insurance was key in making quality healthcare facility available and accessible to the masses.

      26th January 2015

    • New “Dengue Care” Insurance policy from Apollo Munich

      A new insurance product has been designed and released by Apollo Munich and provides cover against dengue. It’s the first over the counter (OTC) policy available in India for cover against infectious diseases, and is available at the extremely low price of Rs.444.


      The legendary cricketer and Apollo Munich brand advocate Saurav Ganguly was present at the announcement of the policy, urging people to pledge platelets and help people suffering from dengue, while mentioning the example of his own daughter.


      The one-time payment of Rs.444 entitles insured persons to up to Rs.50,000 inpatient cover, and up to Rs.10,000 OPD coverage in addition to Rs.10,000 for consultation, diagnostic tests, pharmacy expenses and nursing at home.


      Apollo Munich claims that this policy is applicable to multiple segments of the population. It is targeted at people who know about existing insurance policies and wish to add this to their coverage, and to those segments of society who have no insurance but have heard of the dangers of dengue and wish to be protected from medical bills arising from the same.


      31st July 2015

    • Avail Apollo Munich Health Insurance Policies from Indian Overseas Bank (IOB)

      Apollo Munich Health Insurance Co. has tied hands with Indian Overseas Bank (IOB) to distribute its health insurance policies. Through this alliance, Apollo Munich health covers will be made available at over 3,350 branches of IOB. This move will extend the health insurance major's reach to all of IOB's current and potential customers.


      The main features of these policies are covers of amounts starting from Rs.3 lakhs to Rs.10 lakhs with in-built features such as accident covers. Critical illness covers can be availed as well. By tying up with Apollo Munich Health, IOB hopes to deliver added value to its customers by making viable insurance solutions easily accessible.


      Bancassurance relationships have been a successful distribution channel for many insurance companies given the extensive reach banks provide. Indian Overseas Bank is spread across the country through multiple branches.


      23rd February 2015

    • Apollo Munich Health Insurance Named the Best in India

      At the recently concluded, inaugural India Health and Wellness (IHW) Summit and Awards, Apollo Munich Health Insurance was honoured with the title of the 'Health Insurance Provider of the Year'.


      This prestigious event was presided by the Union Minister of State for Health and Family Welfare, Mr. Shripad Yesso Naik, who also gave away the prizes. The IHW Summit 2014 is the coming together of many big names from the Indian healthcare sector to discuss the various concerns, aspire for solutions and honour the achievers in the complex yet rewarding field of Indian healthcare.


      The awards comprise of 30 categories and the selection process for those deemed worthy of the appropriate titles is considered to be stringent and influenced by many pioneers and experts from the Indian healthcare segment.


      05th January 2015

    • Apollo Munich Health Insurance Planning a Video to Help Young Soccer Enthusiasts

      Apollo Munich, one of India's leading health insurers, is evidently taking its role as a co-sponsor of the Indian Super League very seriously. It has announced plans to promote soccer among budding players through educational videos on the sport. While physical skill is tried and tested on the field, aspects such as warm-up exercises and techniques can be demonstrated online. Apollo Munich has recognised the potential this method harbors to make training both accessible as well as affordable to the masses.


      The health insurer's move to use technology to develop soccer as a sport in India is an innovative way to reach young talent across the country. Initially, the target locations will be Kolkata and surrounding regions. Shooting commences at Salt Lake Stadium and is due for release early next year.


      19th November 2014

    This Insurance Company has not partnered with BankBazaar.com. For more details, please visit its website/branch office. The trademarks, logos and other subject matters of intellectual property belong to their respective owners.

    GST rate of 18% applicable for all financial services effective July 1, 2017.

    Disclaimer: Premiums may vary depending upon factors like age, location and prevailing taxes/GST.

    Apollo Munich Health Insurance Reviews

  • Page 1 of 12 1 2 3 4 5
    • Apollo Munich Health Insurance
      "Excellent policy "
      0.5 5.0/5 "Blown Away!"
      I have closed the Apollo Munich health insurance policy which is provided by my company , after I left that company they have closed this policy. This policy covers only myself. I had the mediclaim around of Rs,60,000 . I am happy with their service.
      Was this review helpful? 0
      , mumbai
      Reviewed on Oct 17, 2017
    • Apollo Munich Health Insurance
      "Good policy to use"
      0.5 4.0/5 "Great!"
      I have a health insurance policy with Apollo Munich for more than a year. This policy covers 2members which is my father and my mother. This policy has the coverage up to Rs,2lakhsand above. The medical coverage and the cashless treatment option is good with this policy.
      Was this review helpful? 0
      , nagpur
      Reviewed on Oct 14, 2017
    • Apollo Munich Health Insurance
      "Good policy to use"
      0.5 5.0/5 "Blown Away!"
      I am having health insurance policy with Apollo Munich for past 4yearss. This policy covers 4 members which is myself and my spouse and my children. I paid Rs,14000 to renew the policy. This policy has the coverage up to 5laksh. I am satisfied having this policy.
      Was this review helpful? 0
      , allahabad
      Reviewed on Oct 14, 2017
    • Apollo Munich Health Insurance
      "Satisfactory"
      0.5 5.0/5 "Blown Away!"
      My Health Insurance was taken with APOLLO since my company has a tie up with . The premium paid on early basis and there is no tax benefit . I am satisfied with the policy coverage and the process is so simple and good. I have taken for myself and my family . The customer service and responses was up to the mark. My overall experience was satisfactory.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 13, 2017
    • Apollo Munich Health Insurance
      "Satisfactory"
      0.5 5.0/5 "Blown Away!"
      My health insurance is with Apollo Munich. I have taken a family floater. The coverage the company has offered me a coverage of ten lakhs. The premium is of 6500 on a yearly basis. Fortunately till date there is a no claim. I can make my payments online.
      Was this review helpful? 0
      , balangir
      Reviewed on Oct 12, 2017
    • Apollo Munich Health Insurance
      "average service"
      0.5 3.0/5 "Satisfactory"
      I have not claimed any service from APPOLLO till now ,I have good offers from them I got this health insurance service from my CANARA savings account so there was not needed of any documents ,because everything was done through bank so I don't have any issue till now ,overall I can say it was average service from APOLLO for my health insurance service.
      Was this review helpful? 0
      , chennai
      Reviewed on Oct 11, 2017
    • Apollo Munich Health Insurance
      "It's very good"
      0.5 4.0/5 "Great!"
      I got to know Apollo Munich life insurance through one of my friend, and firmly believe on this plan. The plan coverage is pretty good and also it's easy to access. All the process are pretty fast and efficient. One of my relative had a positive claim experience too.
      Was this review helpful? 0
      , nellore
      Reviewed on Oct 10, 2017
    • Apollo Munich Health Insurance
      "Good policy "
      0.5 4.0/5 "Great!"
      I never had any claim experience with the Apollo Munich Health insurance policy. This policy covers 4 members which is myself, my spouse and my children. This policy has the coverage up to one's CTC. It is good to have policy which is provided by my company. I hold this policy for past 3years. The cashless treatment option is available with this policy.
      Was this review helpful? 0
      , mumbai
      Reviewed on Oct 09, 2017
    • Apollo Munich Health Insurance
      "Excellent policy for Health "
      0.5 5.0/5 "Blown Away!"
      Got a health insurance policy with Apollo Munich. This policy has the coverage of Rs,6lak , it covers 3members in my family. This policy has to be renewed in every 2 years once. I paid Rs.19000 last year to renew the policy . The cashless treatment option is excellent with this policy.
      Was this review helpful? 0
      , greater noida
      Reviewed on Oct 07, 2017
    • Apollo Munich Health Insurance
      "Good Policy to use"
      0.5 5.0/5 "Blown Away!"
      I am having a health insurance policy with Apollo Munich for more than 3years. The service is average with Apollo Munich. I paid Rs,13 to 14,000 to renew the policy this year. This policy covers 3memebert which is my self and my spouse and my children , This policy has the coverage of more than 5laksh .
      Was this review helpful? 0
      , gurgaon
      Reviewed on Sep 29, 2017
    • Apollo Munich Health Insurance
      "Good"
      0.5 4.0/5 "Great!"
      I am having the health insurance policy with the Apollo Munich insurance company and the coverage value is around 3 lakh Rupees for my full family. Response is good one for me and I have faced a claim with them and they have provided 80% of cost of treatment as claim benefits.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 20, 2017
    • Apollo Munich Health Insurance
      "A tursted brand in the market"
      0.5 4.0/5 "Great!"
      I am having the health insurance policy with the Apollo munich general insurance company and I have not faced any claims with them till now. Premium is around 8000 Rupees per annum and the coverage value is around 3.4 lakh Rupees and am with them from the last four years of times.
      Was this review helpful? 0
      , chennai
      Reviewed on Sep 11, 2017
    • Apollo Munich Health Insurance
      "Very good health insurance policy"
      0.5 5.0/5 "Blown Away!"
      I am having medi assist health insurance policy which is in tie up Apollo Munich. I am using this policy for past 2 years. I got the claim experience with this policy. I got the claim experience within the same day. I got the treatment with the medial card which I got form Apollo munich. This policy covers 3 members which is myself,my spouse and child. I am satisfied holding this policy.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Aug 31, 2017
    • Apollo Munich Health Insurance
      "Good health policy"
      0.5 4.0/5 "Great!"
      I got the Health Insurance Policy from Apollo Munich for more than 5 year. I pay Rs,13,000 to renew the policy. This policy covers my whole family, It covers Four members. The customer service is good with Apollo Munich but I never had any claim experience so far with this policy.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Aug 23, 2017
    • Apollo Munich Health Insurance
      "Good policy"
      0.5 5.0/5 "Blown Away!"
      Got the health insurance policy from Apollo Munich. I bought it very recently. I paid Rs.6000 to get this policy . This policy covers only myself . I can say it is an individual health insurance policy., The medical coverage's and the policy benefits are good with this policy so that is the reason I got this policy from Apollo Munich.
      Was this review helpful? 0
      , patna
      Reviewed on Aug 11, 2017
    • Apollo Munich Health Insurance
      "Great"
      0.5 4.0/5 "Great!"
      I do have health insurance policy with the Apollo Munich insurance company and am with them from the last five years of time. Medical coverage value is around five lakh Rupees, also the coverage is a type of floater based, also its for full family. I have not done up with any claims till now. They have suddenly increased the premium as of now because of some tax incur.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 16, 2017
    • Apollo Munich Health Insurance
      "Its Good"
      0.5 5.0/5 "Blown Away!"
      I was know a person who works with Apollo Munich, they have referred this health insurance. I had taken this policy before three months by paying the premium of Rs. 11,500 it gives the medical coverage of Rs.10 lakhs per annum but it provides coverage only for me.
      Was this review helpful? 1
      , hyderabad
      Reviewed on May 03, 2017
    • Apollo Munich Health Insurance
      "Wonderful"
      0.5 5.0/5 "Blown Away!"
      I am having health insurance policy with the Apollo munich insurance company and I been with them from the last five years of time. Coverage value is around 11 lakh Rupees for the whole family. I have paid around 20100 Rupees as the premium and their services are also best like they used to make keep in touch with the latest update.
      Was this review helpful? 0
      , faridabad
      Reviewed on Apr 13, 2017
    • Apollo Munich Health Insurance
      "Great health insurance product"
      0.5 4.0/5 "Great!"
      I have an health insurance policy with Apollo munich insurance company and am with them from the last four years of time. Premium amount is around 15000 Rupees and the coverage value is around five lakh Rupees, also it provides coverage in the form of family floater.
      Was this review helpful? 0
      , mumbai
      Reviewed on Feb 15, 2017
    • Apollo Munich Health Insurance
      "Very good insurance"
      0.5 5.0/5 "Blown Away!"
      APPOLO MUNICH health insurance is fine. I am holding this insurance since the day I am working long time. I dont have claim experience till date. But I do get some concessions for medical 15% at Apollo pharamaticals when ever I make a transaction. It is sponspored by the company
      Was this review helpful? 1
      , bangalore
      Reviewed on Feb 09, 2017
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