Apollo Munich is one of the top rated health insurance companies in the country. The insurance provider has made a place in the market as it provides the following benefits: അപകടങ്ങൾ എപ്പോൾ വേണമെങ്കിലും സംഭവിക്കാം ഒപ്പം രോഗങ്ങൾ എല്ലാവരുടെയും ജീവിതത്തിൽ ഇഷ്ടപ്പെടാത്ത അതിഥികളാണ്. അതിനാൽ, മുൻകൂട്ടി പ്രതീക്ഷിക്കാത്ത സാഹചര്യങ്ങളെ നേരിടാൻ സ്വയം തയ്യാറാകുന്നത് എല്ലായ്പ്പോഴും നല്ല ആശയമാണ്. ആരോഗ്യ ഇൻഷുറൻസ് സ്ഥലത്തെ വിശ്വസനീയമായ പേരായ അപ്പോളോ മ്യൂണിച്ച്, ഇൻ‌ഷുറർ‌മാർ‌ക്ക് അവരുടെ ആവശ്യത്തിന് അനുയോജ്യമായ ആരോഗ്യ ഇൻഷുറൻസ് പദ്ധതികളിൽ ധാരാളം നിക്ഷേപിക്കാൻ കഴിയും.
വ്യക്തിഗത ആരോഗ്യം നിറവേറ്റുന്നതിനായി ഈസി ഹെൽത്ത്, ഒപ്റ്റിമ പുന ore സ്ഥാപനം, ഒപ്റ്റിമ വൈറ്റൽ, ഒപ്റ്റിമ പ്ലസ് തുടങ്ങിയ പദ്ധതികൾ നിങ്ങളുടെ ഉത്കണ്ഠയെയും നിങ്ങൾക്ക് പ്രാധാന്യമുള്ളവരെയും കുറിച്ച് ആശങ്കപ്പെടേണ്ടതുണ്ട്.
No. of members- The plan covers maximum 6 members of your family with up to 4 children and 2 adults.
Lifelong Renewal – The plans offered are lifelong renewable hence it saves you from the financial burden and stress caused by a medical emergency and keeps you well prepared to handle any situation.
No Sub-Limits on Room Rent - As sub-limits on room rent practically eat into your sum insured, Apollo Munich scores brownie points for their plans without any sub-limits on the room rent.
Wide Sum Insured Options – offers varied choice of Sum Insured beginning at Rs. 1 lakh up to Rs. 15 lakhs at affordable premium.
Pre & Post hospitalization cover- The plan covers medical expenses for 60 days prior to hospitalization and 90 days post hospitalization only for related medical expenses.
Health Check-ups – The policy offers up to 1% of the sum insured under individual plan per insured person and also up to 1% of the sum insured per policy under family plans.
Pre-existing diseases- Pre-existing diseases are covered after 3 years of waiting period.
Co-payment- The plan has no co-payment policy.
Restore Benefit - In Optima Restore health plan, Restore benefit is offered if the sum insured is exhausted during the year. This amount can be used for any new illnesses without any paperwork or any extra charge.
Benefits of Buying Health Insurance from Apollo Munich
Apollo Munich is one of the top rated health insurance companies in the country. The insurance provider has made a place in the market as it provides the following benefits:
Competitively priced products
Great customer service post sales
Dedicated claim handler to make the claim settlement process smooth & easy.
The incurred claim settlement ratio of Apollo Munich Health Insurance for F.Y. 2017 - 18 is 62.47%.
Apollo Munich Health Insurance Plans
What is Covered in Apollo Munich Health Insurance?
Apollo Munich offers the following Health Insurance Plans that cover medical costs in case of hospitalization, right from accidents to critical illnesses. They are as follows:
Apollo Munich Easy Health Plan
This is a basic health insurance plan, which offers coverage for medical expenses in case of hospitalization. There are three different variants of this plan namely Standard, Exclusive and Premium, which vary in terms of benefits offered. Standard plan is the most basic of the three variants while Premium is the most advanced version. All the plans cover health expenses on individual policy or family floater basis.
Apollo Munich Easy Health Standard Plan
Individual Coverage
This is the basic plan offered by Apollo Munich, which covers your hospitalization costs including pre and post hospitalization expenses.
The plan offers coverage in range of Rs.1 lakh and Rs.5 lakh for individuals between age 5 years and 65 years.
Family Floater Coverage
This is a family floater plan which offers coverage for health costs of the entire family in range of Rs.2 lakh to Rs.5 lakh for members between age 5 years to maximum of 65 years and dependent children from age 91 days on wards.
A maximum of 2 adults and 5 children can be covered under the floater.
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