Apollo Munich Easy Health Exclusive Insurance

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Easy Health Exclusive Insurance designed by Apollo Munich satisfies most of the health insurance needs of the customers. The health insurance plan's unique benefit is Lifelong Renewal.

Apollo Munich Easy Health Insurance Plan - Sum Insured per Insured Person per Policy Year
  • Key Features

    • Portability – If you currently have a health policy with a different company, you can switch to Apollo Munich health insurance within 45 days of expiry of existing policy, and transfer coverage benefits.
    • Easy Health Exclusive is a Comprehensive plan which offers cashless hospitalization expenses.
    • Coverage of pre-existing diseases after 3 years of continuous renewal.
    • Easy Health Exclusive policy is renewable lifelong.
    • For non-network hospitalization - Insured has to pay hospitalization medical bills upfront to get reimbursed later.
    • Apollo Munich has a TPA called Family Health Plan Ltd, which results in faster claims settlement.
    • There is no loading on premium during renewals irrespective of expenses incurred during the current year.
    • There are over 4000 networks of hospitals throughout India.
    • Policy can be purchased for a tenure of 2 years and get a discount of 7.5% on the premium.
    • Hospitalization medical expenses due to accident are covered from the day one of insurance cover.
    • Get Health check-up (subject to pre-authorization) up to 1% of sum insured subject to a maximum of Rs.5,000 per person for every 3 claim free years.
    • Pre-hospitalization & Post-hospitalization medical expenses - 30/60 days.In case of Planned Hospitalisation inform to company 5 days prior to hospitalization so the duration can be increased to 60/90 days.
    • 2 year waiting period for specific diseases like cataract, hernia, hysterectomy, joint replacement etc.
    • Eligible for tax benefit under section 80D.
    • Option of upgrading to higher sum insured during renewals at one Slab.
    • Cumulative Bonus of 10% up to maximum of 50% on basic sum insured for every claim free year.
    • Maternity cover after a waiting period of 4/6 years for family floater plan and individual plan respectively.
    • Option of covering new born baby from the first day under Easy Health Exclusive.
    • Pay additional premium and get Optional coverage of 50% or 100% of sum insured for critical illness under Easy Health Exclusive.
    • Sum Insured offered From 3 Lakh to 7.5 Lakh in case of Floater.and In case of Individual from 3 Lakh to 7.5 Lakh.
    • In-Patient Minimum 24 Hrs Hospitalisation is required.
    • 141 Day care Producers is payable (Less than 24 Hrs Hospitalisation).
    • No Room Rent Capping and No Sub-Limit .
  • Medical Coverages

    • Pre-Hospitalisation The medical expenses are covered up to 60 days prior to the date of admission in the hospital.

    • Post-Hospitalisation The medical expenses are covered up to 90 days after discharge from the hospital.

    • Day-care procedures The medical expenses for 140 day-care procedures, which do not require 24 hours hospitalisation due to technological advancement.

    • Cumulative Bonus You get a cumulative Bonus(CB) of 10% for every claim-free year accumulating up to 100%(in the event of a claim, CB will be reduced by 20% of SI on the next renewal).

    • Portability If you are insured with some other company's health insurance and you want to shift to us in renewal, you can. Our portability policy is customer friendly and aims to achieve the transfer of most of the accrued benefits, and make due allowance for waiting periods, etc.

    • Additional Cover for Critical Illness With the Premium variants of Easy Health Insurance Plans you can opt for Critical Illness covers for cancer, coronary artery(bypass) surgery, first heart attack(myocardial infarction), kidney failure(end-stage renal disease), major organ transplantation, multipla sclerosis, paralysis and stroke. This is an optional benefit to be taken as per you need. The sum insured for Critical Illness can be either 50% or 100% of your basic sum insured.

    • Tax Benefits With the Easy Health Individual Health Insurance plan you can presently avail tax benefits for the premium amount under section 80D of the Income Tax Act.
  • Benefits table

    Individual and Family 3lakhs, 4 lakhs, 5 lakhs 7.5 lakhs, 10 lakhs 15 lakhs, 20 lakhs, 25 lakhs, 50 lakhs
    In-patient Treatment Covered Covered Covered
    Pre - hospitalisation Covered Covered Covered
    Post - hospitalisation Covered Covered Covered
    Day Care Procedures Covered Covered Covered
    Domiciliary Treatment Covered Covered Covered
    Daily Cash for choosing Shared Accommodation Rs. 500 per day, Maximum Rs. 3,000 Rs. 800 per day, Maximum Rs. 4,800 Rs. 1000 per day, Maximum Rs. 6,000
    Expenses for Organ Donor of Transplant Covered Covered Covered
    Emergency Ambulance Upto Rs. 2,000 Upto Rs. 2,000 Upto Rs. 2,000
    Daily Cash for accompanying an insured child Rs. 300 per day, Maximum Rs. 9,000 Rs. 500 per day, Maximum Rs. 15,000 Rs. 800 per day, Maximum Rs. 24,000
    Newborn baby Optional Optional Optional
    Maternity Expenses (Individual 6 years waiting period and family 4 years) Normal Delivery Rs. 15,000*
    Caesarean Delivery Rs. 25,000* (* Including Pre/Post Natal limit of Rs.1,500 and New Born limit of Rs. 2,000) [waiting period 4 years]
    Normal Delivery Rs. 25,000*
    Caesarean Delivery Rs. 40,000* (* Including Pre/Post Natal limit of Rs.2,500 and New Born limit of Rs. 3,500) [waiting period 4 years]
    Normal Delivery Rs. 30,000*
    Caesarean Delivery Rs. 50,000* (* Including Pre/Post Natal limit of Rs.5,000 and New Born limit of Rs. 5,000) [waiting period 3 years]
    Additional Cover for Critical Illness Optional 50% or 100% of in-patient Sum Insured Optional 50% or 100% of in-patient Sum Insured Optional, if opted then the critical illness sum insured 50% or 100% of in-patient sum insured subject to minimum of Rs 10 lakhs
    Health Checkup Upto 1% of Sum Insured subject to a Maximum of Rs. 5,000 per Insured Person, only once at the end of a block of every continuous three claim free years. Upto 1% of Sum Insured subject to a Maximum of Rs. 5,000 per Insured Person, only once at the end of a block of every continuous three claim free years. Upto 1% of Sum Insured subject to a Maximum of Rs. 5,000 per Insured Person, only once at the end of a block of every continuous three claim free years.
  • Value added services

    We offer you a range of value-added services to promote your well-being, prevent illness as well as make hospitalisation stress-free for you and your family.
    • Healthline: Just ring us and quote your customer ID to reach our experts and avail their help in primary consultation, health-related counselling, individual referrals, health information, nutrition and diet. The services on the healthline would be available at no extra cost to the customers. They will be constantly augmented to cover further areas of health and well-being to include personalised health and wellness solutions.

    • Cashless Hospitalisation: In addition to reimbursement of claims at all hospitals, the Easy Health Insurance Plan is valid on a cashless basis in over 4000 hospitals listed in the guide book to be sent along with the policy and updated periodically on our website
  • Renewal

    • We offer life-long renewal unless the Insured Person or any one acting on behalf of an Insured Person has acted in a dishonest or fraudulent manner or any misrepresentation under or in relation to this policy or the Policy poses a moral hazard.

    • Maximum Age – There is no maximum cover ceasing age in this policy. For Additional cover of Critical Illness maximum cover ceasing age in this policy would be 70 yrs.

    • Waiting Period – The Waiting Periods mentioned in the policy wording will get reduced by 1 year on every continuous renewal of your Easy Health Insurance Plan.

    • Renewal Premium – Renewal premium are subject to change with prior approval from IRDA.

    • Sum Insured Enhancement – Sum Insured can be enhanced only at the time of renewal subject to no claim have been lodged/ paid under the policy. If the insured increases the sum insured one grid up, no fresh medicals shall be required. In cases where the sum insured increase is more than one grid up, the case shall be subject to medicals. In case of increase in the Sum Insured waiting period will apply afresh in relation to the amount by which the Sum Insured has been enhanced. However the quantum of increase shall be at the discretion of the company.
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