apollo munich health insurance

8/7/2019 Apollo Munich Health Insurance

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Apollo Munich Health Insurance

We Know Healthcare. We Know Insurance.



The Joint Venture

2

Munich Health

26% Stake

Apollo Munich Health Insurance Company

Apollo Hospitals Group74% Stake

Defining the Health Insurance Sector of

India.

Launched in 2007 to become the First

choice Health Insurer.

Provide Differentiated Product & Service

Offerings.

Leverage deep industry knowledge of

healthcare and Insurance from the

parentage.

Linked with ‘prevention and wellness’.



Health Care & Insurance Experts

3

Largest Healthcare

group in Asia

Strong brandfoundation

Varied and Multipletouch points

Strong industryknowhow

Specialized in Health

Insurance

Part of largest healthreinsurer worldwide

Access to up-to-dateinformation on trends

and new developments

Excellent riskmanagement expertise

We Know Healthcare. We Know Insurance.



Product Philosophy

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Let’s Uncomplicate.

Not only a positioning but a belief and journey.

•We make quality healthcare easy and accessible.

•Simple language, clear policies, transparent procedures and

innovative products, making health insurance the way it ought

to be.



Our Product Offerings

Easy Health

Maxima

Optima Cash

Individual

PersonalAccident

Easy Travel

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ACCIDENT

INSURANCE

HEALTHINSURANCE

TRAVELINSURANCE



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Easy Health Insurance PlanInpatient Hospitalization with pre and post hospitalization benefit

Key Benefits:

•100 % Life Long Renewal

•Multiple Variant

•

Critical Illness Rider*•HRA and Healthline

support

•Maternity Benefit*

*As per Variant



EASY HEALTH INSURANCE PLAN

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Offers Cover for Self, Spouse, Dependent children & Dependent

Parents

Entry age for Adult- Min. 18 years & Max. 60 years

Entry Age for dependent child 5 years ( 91 days, if both parents

covered)

NO COVER CEASING AGE- Lifelong Policy Renewal

Sum Insured Options

Product VariantPlan Options

Standard

(Rs. in Lacs)

Exclusive

(Rs. in Lacs)

Premium

(Rs. in Lacs)

Individual1.00, 2.00,

3.00, 4.00, 5.00

3.00, 4.00,

5.00, 7.50

4.00, 5.00,

7.50, 10.00

Family Floater2.00, 3.00,

4.00, 5.00

3.00, 4.00,

5.00, 7.50

4.00, 5.00,

7.50, 10.00

Tax Savings u/s 80D of IT act




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What is

Covered!

Inpatient hospitalisation

Pre & Post Hospitalisation expenses – upto 30 & 60 days resp.

Maternity Benefits- with a waiting Period

Domiciliary Treatment

140 Day Care Procedures

Coverage for New Born – from Day 1

Out-patient Dental, Vision & Hearing Aids

Daily Cash for Shared Accommodation

Portability of benefits from existing Health policy to our Policy

Organ Donor Expenses

Emergency Ambulance expenses

E-opinion for Critical Illness Critical Illness – Optional Rider

Renewal Incentives

Health Check-up

Daily Cash for accompanying an insured child

*Benefits may vary as per the Variant opted



What WE Offer & Others DONT

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Offering Apollo Munich Others

Life Long Policy Renewal-

Cover from Cradle to Grave

YESOffer cover around 75

years onlyNo Sub-limits on Room Rent-No need to compromise on facilities when itcomes to healthcare

OfferedLimit of room rent up to1% of the policy

Portability of Benefits-Acknowledgement of accrued benefits of yourexisting Health Insurance Policy

OfferedNot offered – resulting in

loss of accrued benefits

Outpatient Vision, Hearing aid & Dental cover

Offeredwith a waiting period

Most Insurers don’t offer

Additional Cover for Critical IllnessOffered as optional riderbenefit with core inpatient

offering

Others offer as a separateproduct

New Born & Maternity BenefitsOffered

with a waiting periodMost Insurers don’t offer

Health Line Supportfor any time medical assistance

Offered Most Insurers don’t offer

Health Check-upOffered

Upto 1% of SIMost Insurers don’t offer



30 days waiting period

2 year specific disease waiting period likecataract, hernia, hysterectomy, joint

replacement and hydrocele

Pre-existing disease are covered from 4th year

HIV, AIDS and related disease

Internal & external congenital disease Non-allopathic treatment

Artificial limb and external devices

Cosmetic treatment

Items of personal comfort and convenience

* For complete list of exclusions, please refer to policy wording


What wedon’t

cover!



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MAXIMAIndia’s First 360 Degree Health Plan covering doctor consultation,

medicine, spectacles, health check and Inpatient hospitalization

Key Benefits:

•Covering OPD expenses.

•Income Tax benefit.

•Inpatient Hospitalization

cover .

•100 % Life Long Renewal.

•Annual Master Health

Check



MAXIMA

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MAXIMA

Inpatient Treatment

Wellness Component

Vision Care Critical illness Rider

Dental Cover

OPD treatment

India’s First 3600 Health Plan



MAXIMA – Unique in its way

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Access to high quality network for outpatient cover including-

diagnostic tests, pharmacy expense, outpatient dental treatment,spectacles, contact lenses and annual health checkup.

Maxima offers coverage for any existing conditions that require

out-patient care, without any waiting period

Annual Health Checkup at Apollo Munich’s high quality network

Life long Policy Renewal – no cover ceasing age

Cumulative Bonus on Inpatient Sum Insured and carry forward

bonus for OPD benefits (Except Annual Health Checkup)



MAXIMA – Outpatient Benefits (OPD)

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What is

Covered!For OPD part

Doctor Consultation on cashless basis within network andon reimbursement outside the network.

Benefits for Pharmacy expenses

Benefit for expenses related to Spectacles

Benefits towards Dental Expenses.

Benefit for annual Master Health Check.

Access to Apollo Munich trusted network of providers for

OPD expenses.

All on cashless basis across network.



MAXIMA – Inpatient Benefits (IP)

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Inpatient hospitalisation

Pre and Post Hospitalization

Daycare Procedures

Domiciliary Treatment,

Daily Cash for choosing shared accommodation

Organ Donor Expenses

Emergency Ambulance Charges

Daily Cash for accompanying an insured child

Maternity Expenses

Newborn Baby cover

Coverage on Individual as well as on Family Floater basis Optional cover for Critical Illness

Tax Savings u/s 80D of Income Tax Act

What is

Covered!For IP part



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Optima Cash

Daily Hospital Cash plan with Maximum Benefit.

Covering all incidental expenses during Hospitalization.

Lumpsum Cash Benefit.

Key Benefits:

•No Pre Policy Medical

check up

•Discount on Online

Purchase

•Covering incidental

expenses during

Hospitalization.

li



Optima cash is planned to offer support in an event of

hospitalisation with lump sum amount which can be utilized

towards Hospitalisation expenses or additional expenses due to

hospitalisation which is not covered under regular hospitalisation

insurance plans

Sum Insured Option- Daily Cash Amount plan of Rs 1000, Rs

2000 & Rs 3000

Option to choose your Policy period of 1 or 2 Years

Tax Savings u/s 80D of IT act

OPTIMA CASH – Salient Features

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OPTIMA CASH



OPTIMA CASH

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What isCovered!


Offers cover for Hospitalization due Illness/Accident

Daily cash for Sickness Hospitalization [upto 90 days per policy year]

Daily cash for ICU Hospitalization due to Sickness [Upto 15 days per policy year]

Daily cash for Accidental Hospitalisation [upto 90 days per policy year]

Daily cash for ICU Hospitalization due to Accident [Upto 15 days per policy year]

Cash for Day Care Procedure [Upto 6 procedures per policy year]

Daily cash for Joint Hospitalization due to an Accident [Upto 10 days per

policy year]

Convalescence Cash- Lumpsum amount for hospitalization beyond 7 days

Child Birth [Once in policy year]

Parent Accommodation [upto 30 days per policy year]



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Individual Personal AccidentThis Plan offers financial security and peace of mind towards in

an event of an accidental death or bodily injury

Key Benefits:

•Wide Variant of SI options.

•Starts at an attractive

premium size.

INDIVIDUAL PERSONAL ACCIDENT



• Coverage for Individuals & Families

• Discount of 10% for 2 or more family members

• Coverage for age group between 5-69 years

• Cumulative Bonus on Renewal

• 2 product variants with wide range of Sum Insured up to 5 Crore


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212121

Accidental Death

Permanent Total Disablement

Permanent Partial Disablement

Temporary Total Disablement

Accident Medical Expenses

Transportation of Mortal Remains

Education Fund

Family Transportation

Modification of Residence/Vehicle

Emergency Ambulance

Transportation of Imported Medicine

Purchase of Blood

Accident Inpatient Hospitalisation

Broken Bones

What isCovered!




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Easy Travel InsuranceOffers cover for the policy holder and his/her accompanying family

members against travel and non travel inconvenience, emergency,

medical costs incurred during an international travel

EASY TRAVEL INSURANCE




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• Covers individuals and Family Members against travel and non travel

inconvenience, emergency, medical costs incurred due to unforeseen

circumstances while you are travelling abroad

• Segment-specific plans offered to suit travel insurance requirements

• No medical tests required up to 70 years of age

•‘Individual Plan’ is available in five variants; Platinum, Gold, Silver, Bronze

and Asian Region; Sum Insured ranges from USD 5,00,000 to USD 25,000.

•‘Family Plan’ is available in three variants; Silver, Bronze and Asian Region;

Sum Insured ranges from USD 1,00,000 to USD 25,000.

•‘Senior Citizen Plan’ is available in two variants; Silver and Bronze; Sum

Insured options of USD 1,00,000 and USD 50,000.

• ‘Annual Multi Trip Plan’ is available in four variants; Platinum, Gold, Silver

and Asian Region; Sum Insured ranges from USD 5,00,000 to USD 25,000.

Plans available





242424

Medical treatment

Dental treatment

Repatriation of mortal remains Loss of passport

Personal accident & common carrier

Personal liability

Hijack daily allowance

Total loss of checked-in baggage

Delay of checked-in baggage

Financial emergency cash

Trip delay

Missed connection

Hospital daily allowance

Trip cancellation & Trip curtailment

And many more

What isCovered!

*Benefits may vary as per the Variant Opted

Contact Information



Contact Information

Apollo Munich Health Insurance Company Limited10th Floor, Tower-B, Building No: 10, DLF Cyber City,

DLF City Phase -II, Gurgaon 122001, Haryana,Tel: 0124 4584333; Fax: 0124- 4584111

•Apollo Munich has got 39 offices across India

•Our Offices are present in all major cities which include HYDERABAD, CHENNAI,

KOLKATA, BANGALORE, MUMBAI, DELHI, PUNE, AHMEDABAD, JAIPUR,

CHANDIGARH, LUCKNOW and COCHIN

For any Query, you may contact us on our Toll free Number given below:

1800-103-0555www.apollomunichinsurance.com

Insurance is the subject matter of the solicitation



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LET’S

UNCOMPLICATE

apollo munich health insurance

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