Apollo Munich Health Insurance

1. An initial waiting period of 30 days for all illnesses except an accidental injury.</li>
2. A 3-year waiting period for pre-existing diseases.
3. Coverage for HIV/AIDS treatment is excluded.

1. Treatments for mental disorders, cosmetic surgery, congenital diseases, and weight control are not covered.
2. Non-allopathic treatments are not covered.
3. Treatments for substance abuse such as alcohol and drugs are not covered.
4. Hospitalisation due to war or nuclear threat is not covered.
5. Dental treatment and pregnancy-related treatment are not covered.
6. There is a 2-year waiting period for specific illnesses such as hernia, cataract, joint replacement, etc.
7. Experimental treatments are not covered.

Benefits of Apollo Munich Health Insurance:

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

1. Sum Insured: You can choose an optimum level of sum insured that is sure to meet your needs. A good health insurance policy is one that offers a comprehensive health cover at an affordable premium.
2. 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.
3. Network hospitals: Apollo Munich has over 4500 network hospitals across India where you can avail cashless facility.
4. 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.
5. 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%.

1. 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.
2. Tax benefit: Under Section 80D of the Income Tax Act, 1961, the assessee can get tax deduction on premium paid towards a health insurance policy for self, parents, and parents who are senior citizens subject to the pre-defined limits.
3. 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.
4. 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.
5. Restore benefit: In the case of certain health insurance policies that are 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.
6. 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.
7. 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.

Types of Health Insurance Policies Provided by Apollo:

Policies forming a part of the company’s health insurance plans portfolio are listed below:

1. Apollo Munich Easy Health– Individual and Family Floater
2. Apollo Munich Optima Restore Plan – Individual and Family  Floater
3. Apollo Munich Optima Plus Plan
4. Apollo Munich Optima Super Plan – Individual and Family Floater
5. Apollo Munich Optima Vital Plan
6. Apollo Munich Dengue Care Plan – Individual and Family Floater
7. Apollo Munich Health Wallet Plan – Individual and Family Floater
8. Apollo Munich Day2Day Care Plan – Individual and Family Floater
9. Apollo Munich Maxima Plan – Individual and Family Floater
10. Apollo Munich Energy Plan
11. Apollo Munich Optima Senior Plan

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, and two dependent children. In certain cases, the cover can also include 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, etc.

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.

Apollo Munich Login:

Customers can log in to the Apollo Munich Health Insurance website using the email or Member ID and password which they have been issued at the time of registering. Customers can also log-in using their Gmail, Facebook, 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.

How to File a Claim With Apollo Munich?

Apollo Munich has one of the fastest claim settlement records. About 98% of the claims have been settled within 15 days. As of April 2016, the insurer has settled claims valued at Rs.2,063 crores. When registering your claims with the insurance company's dedicated claims team, provide details such as phone number, address, name of the insured, policy number, network hospital, nature of ailment, and date of hospitalisation. Claims can be registered at the insurer's customer service centre via phone, email or in person. Intimate the insurer within 7 days of hospitalisation and submit the claim form with necessary medical documents within 15 days of discharge from the hospital.

1. Cashless Claim: Visit a network hospital of the insurer to avail cashless treatment. Intimate the insurer within 24 hours of unplanned hospitalisation and 48 hours prior to your planned hospitalisation.

1. Display your health card at the network hospital help desk. 
2. The hospital will verify your identity details and submit a duly-filled and signed pre-authorisation request form to the insurer. 
3. After verification of the pre-authorisation request, the insurer will send an approval letter to the network hospital. 
4. The hospital will proceed with the cashless treatment for the insured member. The insurer will settle the bill directly with the hospital. The insured has to pay those bills that are not covered under the policy.
5. If the cashless claim is denied, the insured member can get treated and file for a reimbursement claim after discharge.

2. Reimbursement Claim: Submit the claim form along with the medical documents within 15 days of your discharge from the hospital. Upon successful verification and approval, the claim amount will be sent to the proposer in the form of a cheque within 30 days of receipt of the documents.

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 (adult members and children), sum insured, age of the eldest member, and deductible amount. 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 Customer Care

1. Visit the official website of Apollo Munich Health Insurance customer care for any policy-related queries. Click on the 'Customer Service' tab. You will get the following options:
2. 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.
3. 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.
4. Apollo Edoc: Insured members can book an appointment with their doctor online.
5. Download forms and brochures: All policy-related forms and brochures can be downloaded from the Apollo Munich Health Insurance website.
6. Locate branch office: Apollo Munich has 50+ offices across India. You can locate a branch office using the Branch Locator tool on the website.
7. MHC Diagnostic Centres: Get a list of Master Health Checkup Diagnostic Centres in India on the Apollo Munich website.
8. 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.
9. 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.
10. 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. 
11. 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 Network Hospitals

Apollo Munich offers first-class healthcare services with over 4,000 network hospitals across the country. To locate a network hospital nearest you, select your state and city from the drop-down box on the online Network Hospital Locator tool. You will immediately get a list of network hospitals in your area with contact details.