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Healthline

Just ring us and quote your customer ID to reach our experts and avail their help in primary

consultation, health-related counseling, individual reerrals, health inormation, 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 urther areas o health and well-being to include personalized

health and wellness solutions.

Cashless Hospitalization

In addition to reimbursement o 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 www.apollomunichinsurance.com

You need to obtain a pre-authorization or all planned admissions atleast 48 hours prior to

actual admission or regularize any emergency admission within 24 hours post the admission.

The details o the process and the documentation requirements are given in the guide-book

sent along with the policy.

Health Risk Assessment

Every Apollo Munich Health Insurance customer will be provided with an access to a health

risk assessment tool, which helps to profle each members health status through our website.

Upon assessment, members will be oered personalized wellness recommendations on diet,

liestyle and nutrition regimen.

Exclusions

Alltreatmentswithintherst30daysofcoverexceptanyaccidentalinjury

Anypre-existingconditionwillbecoveredafterawaitingperiodof3years

ExpensesarisingfromHIVorAIDSandrelateddiseases

Non-allopathictreatments,congenitaldiseases,mentaldisorderor insanity,cosmetic

surgery and weight control treatments

Abuseofintoxicantorhallucinogenicsubstanceslikeintoxicatingdrugsandalcohol

Hospitalizationduetowaroranactofwarorduetoanuclear,chemicalorbiological

weapon and radiation o any kind

Pregnancy,dentaltreatment,externalaidsandappliancesunlesscoveredunderthespecifc Easy Health Individual Insurance Plan

2yearswaitingperiodforspecicdiseaseslikecataract,hernia,hysterectomy,joint

replacement, hydrocele etc.

Itemsofpersonalcomfortandconvenience

Experimental, investigative and unproven treatment devices and pharmacological

regimens

Please reer to the Policy Wording or the complete list o exclusions.

Terms o Renewal

1. We oer lie-long renewal unless the Insured Person or any one acting on behal

o an Insured Person has acted in an improper, dishonest or raudulent manner or

any misrepresentation under/or in relation to this Policy or the Policy poses a moral

hazard.

2. Maximum Age- There is no maximum cover ceasing age in this Policy. For

Additional cover o Critical Illness maximum cover ceasing age in this Policy would

be 70 years.

3. WaitingPeriod-TheWaitingPeriodsmentionedinthePolicywordingwill get

reduced by 1 year on every continuous renewal o your Easy Health Individual

Health Insurance Plan.

4. RenewalPremium-RenewalPremiumaresubjecttochangewithpriorapproval

rom IRDA.

5. SumInsuredEnhancement-SumInsuredcanbeenhancedonlyatthetimeof

renewalsubjecttonoclaimhavebeenlodged/paidunderthepolicy.Iftheinsured

increasestheSumInsuredonegridup,nofreshmedicalsshallberequired.IncaseswheretheSumInsuredincreaseismorethanonegridup,thecaseshallbe

subjecttomedicals.IncaseofincreaseintheSumInsured,waitingperiodwillapply

afreashinrelationtotheamountbywhichtheSumInsuredhasbeenenhanced.

However the quantum o increase shall be at the discretion o the company.

DisclaimerThis is only a summary o the product eatures. The actual benefts available are as described in the

policy,andwillbesubjecttothepolicyterms,conditionsandexclusions.Pleaseseektheadviceof

your insurance advisor i you require any urther inormation or clarifcation.

Statutory WarningProhibition0fRebates(undersection41ofInsuranceAct,1938):Nopersonshallalloworofferto

allow, either directly or indirectly, as an inducement to any person to take out or renew or continue

an insurance in respect o any kind o risk relating to lives or property in India, any rebate o the

whole or part o the commission payable or any rebate o the premium shown on the policy, nor

shall any person taking out or renewing or continuing a Policy accept any rebate, except such

rebate as may be allowed in accordance with the published prospectus or tables o the insurers.

Any person making deault in complying with the provision o this section shall be punished withfne, which may extend to fve hundred rupees.

AMHI/MA/H/0002/0044/102010/P

Gurgaon Corporate Ofce, 0124 - 4584333

Gurgaon, 0124 - 4979333

Delhi, 011 - 43585333

Pitampura, 011 - 47027756/ 69/ 53

Laxmi Nagar, 011 - 43602378

Janak Puri, 011 - 45595353

Bhikaji Cama Place, 011-49535536/ 37/ 40

Shakti Nagar, 011 - 45701772/ 74

Noida, 0120 - 4574267/ 65/ 64

Lucknow, 0522 - 4061333

Chandigarh, 0172 - 4322000

Ludhiana, 0161 - 4681933

Jaipur, 0141 - 4098333

Mumbai, 022 - 67242333

Fort, 022 - 40029115/ 16/ 17

Nasik, 0253 - 6628001

Borivali, 022 - 40060451 - 55

Dadar, 022 - 24170240 - 43

Ghatkopar, 022 - 42155381 - 85

Kalyan, 0251 - 2302960 - 62

Vashi, 022 - 42010504 - 07

Thane, 0

Nasik, 0

Pune, 02

Ahmeda

Hyderab

Secunde

Vijayawa

Bangalo

Jayanag

Mysore,

Chenna

Adyar, 0

Ashok N

Coimbat

Madura

Cochin,

Trivandr

Kolkata

Salt Lak

Bhuban

Insurance is the subject matter o solicitation

Contact us

Secured online purchase at:www.apollomunichinsurance.com

8/4/2019 Easy Health Insurance Individual

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Features and Benefts

Lets Uncomplicate.The Apollo Hospitals Group, Asias largest healthcare provider and

Munich Health, world leaders in health insurance, come together to make

qualityhealthcareeasyandaccessible.Simplelanguage,clearpolicies,

transparent procedures and innovative products, making health insurance

the way it ought to be.

We know healthcare. We know insurance.

Easy Health Individual Health Insurance Plan

Our Easy Health Plan will help protect you against spiraling medical costs and also guide

you on the path to wellness, hence, truly a double protection o prevention and cover.

It is a broad cover or medical treatment o illnesses and accidents requiring in-patient

hospitalisation and also eatures an optional Critical Illnesses cover.

TheEasyHealthIndividualInsurancePlanisavailablein3variants:Standard,Exclusive

and Premium. The cover amount ranges rom Rs. 1,00,000 to Rs. 10,00,000 based

on the product variant.

The plan provides or in-patient hospitalisation expenses and is designed to cover

diagnostic procedures, boarding and lodging, the intensive care unit, operation theatre,

anesthesia, blood, oxygen, surgical appliances, cost o prosthetic and other devices or

equipment(ifimplantedinternallyduringasurgicalprocedure),medicines,drugsand

consumables, nursing and medical practitioner charges as per the policy schedule.

Points to Remember:

1. Easy Health Insurance Plan will oer cover to persons rom the age o 5 years

onwards. A dependent child can be covered rom the 91st day i either parent is

covered under this policy. There is no maximum cover ceasing age in this

policy.

2. Thecoverwillbevalidfora periodof1or2year(s)as opted.Anadditional7.5%

discount is oered on premium or opting a 2 years policy.

3. Anindividualand/or hisfamily membersnamelyspouse,dependentchildren and

dependent parents are eligible or buying this cover. A amily discount o 10% is

offeredif3ormorefamilymembersarecoveredunderthesamepolicy.

4. The cover will be provided on an individual sum insured basis.

5. For sum insured options o Rs. 1,00,000 & Rs. 2,00,000 the maximum entry age is 65

years whereas or other sum insured options the maximum entry age is 60 years.

ScheduleofbenetsofEasyHealthproductvariantsaredepicte

Benefts Easy Health

Standard

E asy Heal th E xc lu si v

Sum Insured per Insured

Person per Policy Year

(Rs.In Lakh)

1.00,2.00,

3.00,4.00,

5.00

3.00,4.00,

5.00

7.50

1 a) In-patient Treatment Covered Covered

1 b) Pre-hospitalisation Covered Covered

1 c) Post-hospitalisation Covered Covered

1d) Day-CareProcedures Covered Covered

1e) DomiciliaryTreatment Covered Covered

2 a) Daily cash or

choosing shared

accommodation

Rs.500 per

day,Maximum

Rs.3,000

Rs.500 per

day,Maximum

Rs.3,000

Rs.800 pe

day,Maxim

Rs.4,800

2 b) Expenses or organ

donor o transplant

Covered Covered

2 c) EmergencyAmbulance

Upto Rs.2,000 per

hospitalisation

Upto Rs.2,000 per hospitalis

2 d) Daily Cash or

accompanying an

insured child

NotCovered Rs.300per

day,Maximum

Rs.9,000

Rs.500 pe

day,Maxim

Rs.15,000

2 e) Newborn baby NotCovered Optional

3 a) Maternity Expenses

with waiting period o

6 years

NotCovered NormalDelivery

Rs.15,000*

Caesarean

Delivery

Rs.25,000*

(*Including

Pre/PostNatal

limit o

Rs.1,500 and

NewBornlimit

ofRs.2,000)

NormalDe

Rs.25,000

Caesarean

Delivery

Rs.40,000

(*Including

PostNatal

Rs.2,500

NewBorn

Rs.3,500)

3 b) Out-patient Dental

Treatment with waiting

period o 3 years

N ot Covered N ot Covered

3 c) Spectacles, Contact

Lenses,Hearing Aid

every third year

N ot Covered N ot Covered

3 d) E-Opinion in respecto a Critical Illness

N ot C ov er ed N ot C ov er ed

4) Additiona l Cover or

Critical Illness

NotCovered Optional, 50%or100%ofin-p

SumInsured

5) Health Check-up Upto1%ofSum

Insured per

Insured Person,

only once at

the end o a

block o every

continuous 4

claim ree years

Upto1%ofSumInsuredsubje

Maximum o Rs.5,000 per Ins

Person,only once at the end o

blockofeverycontinuous3cla

ree years

Benetsunder3b),3c),3d)and5)aresubjecttopre-authorisationbytheTPA