Apollo Munich Health Insurance Company – Best Health Insurance Company

The prestigious name known for its esteemed hospital services Apollo has joined hands with Munich Health, a global insurance brand, to create the most trusted and preferred health insurance brand in India – Apollo Munich Health Insurance. 

The Apollo health insurance has recently won the award Best Health Insurance Company of 2016 at the ABP News Healthcare Awards. 

This bears testimony to its strong brand power and superior health insurance products that strive to offer the best customer experience. The Apollo health insurance has created a big name for itself in the health insurance domain in India and continues to deliver a great line of products for all its customers. 

Features of Apollo Health Insurance 

• Covers for Pre and Post Hospitalization with day care treatments coverage as well
• Plans are life long renewable and involves no co-payment
• No sub-limits on room rent
• Pre-existing diseases coverage can be availed after a waiting period of 3 years
• Cashless hospitalization at over 4000+ network hospitals across India
• 10% no-claim bonus each claim-free year under the Apollo Munich Easy Health Insurance and fifty percent multiplier benefit each claim-free year under the Apollo Munich Optima Restore plans
• No additional premium loading at renewals due to claims
• Avail restore benefit for certain plans, once you exhaust your current sum insured amount
• Select a suitable plan from a wide range of health insurance plans according to your requirements
• Access to health risk assessment tool and exclusive health and wellness portal 

Why Should You Buy Apollo Health Insurance? 

1. Flexible Sum Insured Options – Select desired sum insured amount starting from Rs.1 Lakh to over Rs. 15 Lakhs at affordable premium rates 

2. Efficient Claim Process – Over 95% of claims are settled within 15 days from the point of intimation of claim, with cashless authorizations approved within 2 hours of intimation 

3. Positive Customer Reviews – Over 85% of customers respond positively when asked for a feedback. Close to 80% of Apollo health insurance customers renew their policies each year 

4. Portability – Customer friendly health insurance policies, allow you to transfer accrued benefits from one health plan to another 

5. Earn up to 100% no-claim bonus – Increase your sum insured amount by 50% each claim-free year and double the sum insured amount if you have no claims for two consecutive years 

6. Tax Benefit - Avail tax exemption under Section 80D for all your Apollo health insurance policy premium paid for the year 

Apollo Health Insurance –  Types of Plans 

1. Apollo Health Insurance Easy Health Standard, Easy Health Exclusive and Easy Health Premium 

Entry Age	Maximum Age	Sum Insured	Policy Term
5 Years (dependent child coverage from 91st day, if parents are insured	65 years	1,00,000 – 50,00,000	1 or 2 years

 Benefits of Apollo Health Insurance Easy Standard

• Pre and Post hospitalization, day care treatments, domiciliary expenses, ambulance expenses,  Ayush benefit coverage
• Avail free preventive health checkup at the end of 4 consecutive claim-free policy years
• Opt for additional rider of critical illness cover 

Benefits of Apollo health insurance – Easy Health Exclusive

• Complete coverage with no sublimits on room rent and co-payments
• Maternity benefits can be availed
• High sum insured options 

Benefits of Apollo health insurance – Easy Health Premium 

• Complete hospitalization coverage with no sublimits or copays
• Dental, optical and maternity benefits can be availed
• Opt for e-opinion with respect to critical illness diagnosis from the panel of Apollo health insurance physicians 

2. Apollo Health Insurance – Optima Restore 

Entry Age	Maximum Age	Sum Insured	Policy Term
5 Years (dependent child coverage from 4th month, if parents are insured	65 years	3,00,000 – 50,00,000	1 or 2 years

You may like to read : Reviews of Apollo Munich Optima Restore (OR) insurance plan

Benefits of Apollo health insurance – Optima Restore 

• Automatic restoration of the basic sum insured amount in case you have exhausted your full sum insured amount during the coarse of your policy year
• No-claim bonus – Multiply your sum insured amount by 50% for each claim-free year 

3. Apollo Health Insurance – Optima Vital 

Entry Age	Maximum Age	Sum Insured	Policy Term
18 years	65 years	1,00,000 – 50,00,000	1 or 2 years

Benefits of Apollo health insurance – Optima Vital 

• Top-up health insurance plan that pays out a lump sum amount in case of identified critical illness as stipulated in the list of covered critical illnesses, surgical procedures or events 

Above are the popular health plans of Apollo health insurance. Select the best health plan that matches your requirements and stay protected.