• Apollo Munich Dengue Care Plan

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    Launched in July 2015, Apollo Munich Dengue Care Plan is the first comprehensive health insurance in India that aims to provide coverage for medical expenses for inpatient or outpatient treatment for dengue. It does not require the life insured to undergo any medical examination in order to avail the policy benefits.

    Key Features of Apollo Munich Dengue Care Plan:

    The Apollo Munich Dengue Care Plan is a policy with pretty simple requirements and adds a lot of value as a healthcare option. The key features of Apollo Munich Dengue Care Plan can be mentioned as below-

    1. Single premium rate applicable to all admissible age ranges
    2. No medical examination irrespective of age required for availing the policy
    3. The waiting period of the policy is only 15 days
    4. Non-medical expenses coverage during hospitalization
    5. Lifelong renewal

    Benefits of Apollo Munich Dengue Care Policy:

    Apollo Munich Dengue Care Plan’s benefits are applicable and similar for every individual under the policy, regardless of the age. The benefits offered by the policy can be outlined as follows -

    A. Inpatient Benefits -

    1. Inpatient Hospitalisation - This covers the treatment of dengue for the person insured and if the hospitalisation occurs for more than 24 hours
    2. Pre-hospitalisation - Coverage of medical expenses for immediate 15 days prior to hospitalisation
    3. Post-hospitalisation - Coverage of medical expenses for immediate 15 days post to hospitalization
    4. Shared Accommodation - If the insured has been hospitalised in a shared accommodation in a Network hospital, some exclusions for non-payable items can be waived off

    B. Outpatient Benefits - In case the non-structural protein 1 test is found positive within the policy period, the insured will be allowed the following benefits subject to a maximum of Rs. 10,000 -

    1. Outpatient consultations - This covers the consultation by a general medical practitioner for treatment of dengue
    2. Diagnostic Tests - Coverage of any diagnostic tests taken for dengue by the insured at any diagnostic centre
    3. Pharmacy - Coverage of expenses on prescribed medicines purchased by the insured
    4. Home nursing - Coverage of expenses incurred while undergoing treatment through an empanelled medical practitioner at home

    C. Wellness Offers - Apollo curates products or offers specifically meant for prevention of dengue. The same will be provided to the insured at a discounted price.

    D. Cashless Service - In case of admissions to the hospital, pre-authorization at least 48 hours prior to actual admission must be done. Else, in cases of emergency, proper documentation and processes are to be followed to regularize the admission. Following any of the above basically allows a cashless service to be availed with over 10,000 doctors at 4500 hospitals in over 800 cities.

    E. Renewal Terms - Apollo Munich Dengue Care Plan is a lifelong plan wherein there is no cap on the age criteria for providing cover. There is a grace period of 30 days for renewing the policy if it has lapsed or been cancelled.

    F. Tax Benefits - Tax benefits can be availed for the premium amount under Section 80D of the Income Tax Act.

    Eligibility Conditions for Apollo Munich Dengue Care Plan:

    Apollo Munich Dengue Care Policy is subjected to a few eligibility criteria. They are -

    1. Age -
      1. Minimum entry - 91 days for a minor, 18 years for an adult
      2. Maximum entry - 25 years for a child, 65 years for an adult
      3. Being a lifelong plan, there is no maximum cover ceasing age for this plan
    2. Individuals and Relations - An individual and his/her immediate family as well as parents are can apply for this policy
    3. Sum Insured - Sum insured is limited to individual and not a group. Every individual under this policy must have a discrete sum insured. The mentioned amounts are the only ones allowed. No multiples ranging from the minimum to the maximum are acceptable.
      1. Minimum sum assured - Rs. 50,000
      2. Maximum sum assured - 1,00,000
    4. Term - The policy term is on an annual basis
    5. Premium payment term - The premium payment term for the policy will be the same as the policy term
    6. Insured Lives per Policy - Every policy can have a maximum of 6 members, which is limited to 4 adults or 5 children per policy

    Payment of Premiums for Apollo Munich Dengue Care Plan:

    Premiums for Apollo Munich Dengue Care Plan can be paid in one go annually. As per the sum assured, the annual premium policy could vary per individual, not including taxes. If more than one individual is being included in the policy, the premium amount shall increase by an equal number of multiples.

    Additional Information about the Plan:

    Portability - An insured has the option to migrate to a similar indemnity health insurance policy available with the insurer at the time of renewal subject to specific terms and conditions.

    Change in Sum Assured - The sum assured can be changed only during the renewal time and if enhanced, the waiting period will be applied afresh.

    Exclusions:

    Apollo Munich Dengue Care Plan has the following exclusions which can withhold benefits from the insured -

    1. Treatments for diseases or ailments other than dengue
    2. Vitamins and tonics unless verified and required by the medical practitioners
    3. Specific healthcare providers (hospitals/practitioners)
    4. Treatment by a medical practitioner not licensed for offering such treatment
    5. Unreasonable charge of a treatment
    6. Overhead charges by a hospital which are not explicitly mentioned in the bill
    7. Non-medical expenses as defined by the insurer

    Premium Rates for Apollo Munich Dengue Care Plan:

    With two discrete amounts that are allowed as sum assured, the premium amounts also vary and are of two sums. They are -

    1. For sum assured Rs. 50,000 - Rs. 444
    2. For sum assured Rs. 1,00,000 - Rs. 578

    These amounts are not inclusive of taxes and are payable in one go per year.

    How does Apollo Munich Dengue Care Plan Work?

    Apollo Munich Dengue Care Plan has a pretty simple modus operandi. Upon payment of Rs. 444 plus taxes, and providing the necessary information through the documentation available from Apollo Munich, Mohan (aged 25) gets his father Harish (aged 58) enrolled in the policy. As per the premium rate, Mr. Harish is entitled to a medical coverage worth Rs. 50,000.

    Unfortunately, Mr. Harish faces a dengue attack just 20 days later, but the policy has already been in effect 5 days earlier. Based on the location, Mohan can either get his father treated at home through an empanelled doctor or rush him to the hospital, providing all the necessary details to Apollo Munich at the same time. Including diagnostics and medical bills, the total claim comes up to 25,000, for which Apollo Munich could provide a cashless service or reimburse the amount to Mohan.

    Mohan considers enhancing the policy, but has to wait for the next renewal date for doing the same. In addition to that, he decides to avail the policy himself and get his mother Susheela included in the same. Mohan and Mrs. Susheela can easily be accommodated in the same policy that includes Mr. Harish’s health insurance. That can be done immediately, by providing information about the additional members and paying a premium of Rs. 888 (Rs. 444 per individual) + taxes or Rs. 1156 (Rs. 578 per individual) + taxes.

    Dengue can be a serious issue if not treated immediately. With the lowest waiting period of 15 days, Apollo Munich’s Dengue Care Plan can be a godsend for those trying times.

    Find cashless network hospitals nearby: Apollo Munich Network Hospital

    Other Health Insurance Plans from Apollo Munich

    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 Dengue Care Plan Reviews

  • Page 1 of 15 1 2 3 4 5
    • Apollo Munich Health Insurance
      "The Best"
      0.5 5.0/5 "Blown Away!"
      Since I'm working with health insurance. It is easy to claim in Apollo Munich. The best hospital list covered in this policy. The best health insurance company in PAN India. In my company, they are paying the insurance premium for me and my family.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 14, 2018
    • Apollo Munich Health Insurance
      "Good Service"
      0.5 3.0/5 "Satisfactory"
      I've a health insurance policy with the Apollo Munich Insurance company. I pay a premium of 19000, I do not have any claim experience with the policy. Sometimes I make payments via cheque and sometimes online. Overall their services are good even though I never had any claim experience with them.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jun 12, 2018
    • Apollo Munich Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my health insured with Apollo Munich from last 6 months, i am happy with the coverage value of this insurance policy and it is family policy. A premium of Rs 8000 has to be paid for this insurance. I have no claim experience and the coverage value of this insurance is 3 lakhs.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jun 08, 2018
    • Apollo Munich Health Insurance
      "Excellent service"
      0.5 4.0/5 "Great!"
      I have got the health insurance policy around 15 years ago from the APOLLO MUNICH. I pay the premium amount of Rs,3736 every year to renew the policy. This policy covers only one member which is myself. The customer support service and the response is good with the Apollo Munich because they give intimations to renew the policy on time.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 04, 2018
    • Apollo Munich Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my health insured with Apollo Munich from last 4 years, i am not aware of the premium amount as my company pays it. I have a coverage value of Rs 5 lakhs and i am satisfied with it. My claim experience was good with this insurance as they covered 90% and it was a cashless treatment.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 20, 2018
    • Apollo Munich Health Insurance
      "Health insurance with APOLLO MUNICH"
      0.5 3.0/5 "Satisfactory"
      I hold a health insurance from APOLLO MUNICH. This was a corporate insurance having a policy coverage of 2 to 3 lakhs. This policy do have cover for me and my spouse.There is no claim experience for the policy. They provide reimbursement facility.
      Was this review helpful? 0
      , vellore
      Reviewed on May 14, 2018
    • Apollo Munich Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have taken a family health insurance with Apollo Munich from last 3 years, i pay a premium of Rs 13000 which has to be paid every year for this insurance. I have a coverage value of Rs 5 lakhs and i am satisfied with it. I have not claimed anything so far from this insurance.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 07, 2018
    • Apollo Munich Health Insurance
      "Good policy to use"
      0.5 5.0/5 "Blown Away!"
      I have got the health insurance policy from the APOLLO MUNICH around 2 years ago, this is a corporate policy which is provided by my company. This policy covers 4 members in my family, which does not include my parents. This policy has a medical coverage up to Rs,4,00,000 in it. I would say it is a good policy to use.
      Was this review helpful? 0
      , new delhi
      Reviewed on May 02, 2018
    • Apollo Munich Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have a company provided health insurance with Apollo Munich from last 6 years, i have not claimed anything so far with this insurance policy. I am not aware of the premium amount as my company pays it. I have a coverage value of Rs 3 lakhs for this insurance.
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 26, 2018
    • Apollo Munich Health Insurance
      "best experience"
      0.5 3.0/5 "Satisfactory"
      I had taken a Health insurance policy from the top most private sector insurance company APOLLO MUNICH. Most of all benefits are covered under one policy, so no need to top up my insurance plan. I had received my health card and my policy document by mail. They have a good network with a best corporate hospitals.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 20, 2018
    • Apollo Munich Health Insurance
      "extra ordinary experience"
      0.5 5.0/5 "Blown Away!"
      I had taken a health insurance policy from the top most private sector insurance company APOLLO MUNICH. They couriered my health card to my registered communication address. They have a good network with corporate hospitals. I had a good positive claim experience and i claimed nearly 95% of billed amount.extra ordinary experience
      Was this review helpful? 0
      , coimbatore
      Reviewed on Apr 18, 2018
    • Apollo Munich Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I hold a health insurance with Apollo Munich from last 3 years and it is one of the good health insurance. This insurance has to be renewed every year and i pay a premium of Rs 15000 for this insurance. I do not have claim experience so far with this insurance and i have a coverage of Rs 5 lakhs for this insurance.
      Was this review helpful? 0
      , mumbai
      Reviewed on Mar 31, 2018
    • Apollo Munich Health Insurance
      "Need transparency"
      0.5 1.0/5 "Really Bad"
      The service is not up to the mark from the APOLLO MUNICH health insurance company. I have got the health insurance policy from APOLLO MUNICH around 9 months ago. I had a surgery last month but I couldn't claim the medical claim amount . The transparency is not seen in the process. T
      Was this review helpful? 0
      , hyderabad
      Reviewed on Mar 28, 2018
    • Apollo Munich Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have a health insurance policy with Apollo Munich from last 15 years and it is a good insurance policy to use. This policy has to be renewed every year and i pay a premium of Rs 25000 for this insurance. I do not have claim experience so far with this insurance and the coverage amount in this insurance is Rs 4 lakhs.
      Was this review helpful? 0
      , kolkata
      Reviewed on Mar 22, 2018
    • Apollo Munich Health Insurance
      "Average service"
      0.5 3.0/5 "Satisfactory"
      The service is good with Apollo Munich Health Insurance service. They provided me with the benefits for the whole family. The offers are not as much as I expected. I also have not claimed any service from Apollo Munich Health Insurance service. It was an average service with Apollo Munich Health Insurance service.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 20, 2018
    • Apollo Munich Health Insurance
      "Good policy"
      0.5 5.0/5 "Blown Away!"
      I have taken health insurance from APOLLO MUNICH with a premium of 13000. It covers my whole family. They provide coupons for health check up. They provide both cashless and reimbursement. Still there is no claim experience .
      Was this review helpful? 0
      , new delhi
      Reviewed on Mar 12, 2018
    • Apollo Munich Health Insurance
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have taken Health Insurance with Apollo Munich.The premium amount is 6500 paid per annum by cheque.I don't have claim experience with them.The policy coverage amount is five lakhs.The policy is taken five months ago.They cover 100% cash less treatment.
      Was this review helpful? 0
      , chennai
      Reviewed on Mar 10, 2018
    • Apollo Munich Health Insurance
      "Good"
      0.5 5.0/5 "Blown Away!"
      My health insurance was taken in Apollo Munich. The services are very good. It was taken 7 years back. The policy covers for the entire family and the plan is 4L. There is no claim experience for the last years. They covers all the major and minor diseases. I am paying yearly 10K as a premium.
      Was this review helpful? 0
      , secunderabad
      Reviewed on Mar 09, 2018
    • Apollo Munich Health Insurance
      "Good service"
      0.5 4.0/5 "Great!"
      I have taken a Health insurance with Apollo Munich. I am holding the policy for last six months. I have no claim experience with them but they provide 100% coverage for cashless treatment.I pay a premium amount of 3000 quarterly.The policy coverage amount is five lakhs.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 06, 2018
    • Apollo Munich Health Insurance
      "Best health policy"
      0.5 5.0/5 "Blown Away!"
      I had applied and got a Health insurance policy from the Top most insurance company APOLLO MUNICH. I recently renewed my health policy Rs. 6,000/-. I feel my premium amount is very affordable. Its a group policy for my family. Most of all benefits are covered under one policy. I didn't have any claim experience so I am unable to comment on it.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Mar 06, 2018
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