Affordable Health Insurance? Apollo Munich is the One!

Apollo Munich - About the Insurer

Apollo Munich Insurance Company Ltd., is one of the leading private health insurance companies in the country. In the sector since 2007, Apollo Munich has 150+ offices in the country and 4,650+ leading network hospitals. With its Central Processing Office in Gurugram, Apollo Munich aims to meet the diverse health insurance requirements of individuals, families, senior citizens, expecting mothers, and others. Facilities like Direct Claim Settlement, Cashless Treatment, Restore Benefit, Multiplier Benefit and ‘Stay Active Benefit’ are a major plus. 

Apollo Munich - The 6 Key Health Insurance Plans

• Optima Restore

Optima Restore is one of the most popular plans by Apollo Munich. Available in 2 variants, Optima Restore Individual and Optima Restore Family, the plan comes with sum insured range of Rs. 3 Lakh up to Rs. 50 Lakh. Coverage includes inpatient treatment, pre & post hospitalisation, domiciliary treatment, road/air ambulance, day care procedures, and others. The key benefits of the plan include Restore Benefit (100% addition of the sum insured on using policy sum insured fully or partially), Multiplier Benefit (100% increase in the Sum Insured in 2 claim free years), and Stay Active Benefit (Rewards for living an active lifestyle). 

• Easy Health

Easy Health is an ideal choice for individuals as well as families. Available in 3 variants, Standard, Exclusive, and Premium, the plan offers a sum insured range of Rs. 1 Lakh up to Rs. 50 Lakh. The plan coverage includes inpatient treatment, pre & post hospitalisation, day care procedures, domiciliary treatment, organ donor expenses, emergency ambulance, AYUSH benefit, daily cash for choosing shared accommodation, etc. The key highlights of the plan include coverage for maternity expenses (Exclusive & Premium), new born baby cover (on payment of additional premium - Exclusive & Premium), optional cover for 8 critical illnesses, discounts at renewal with Stay Active Benefit, etc. 

• Health Wallet 

Known to be a Revolutionary Plan, Health Wallet by Apollo Munich is available on both, individual and family floater basis. Having sum insured range from Rs. 3 Lakh up to Rs. 50 Lakh, the plan covers you for inpatient hospitalisation, pre and post hospitalisation, worldwide emergency cover, free annual health check-up, and others. Reserve Benefit under Health Wallet plan covers OPD expenses and allows balance to be carry forwarded to next policy year with 6% bonus. Furthermore, post 5 continuous renewals, you get to pay 50% of renewal premium from Reserve Benefit. Restore Benefit (automatic reinstatement of base sum insured on exhaustion of entire cover), and Multiplier Benefit (double sum insured in two consecutive claim free years) are also major benefits.  

• Optima Senior 

Optima Senior is specifically designed by Apollo Munich to cater to the diverse medical needs of senior citizens. Offering coverage on individual basis, the plan is eligible for people aged 61 years and onwards. The sum insured range options include Rs. 2 Lakh, Rs. 3 Lakh, and Rs. 5 Lakh. Talking about coverage, the plan pays for expenses related to inpatient treatment, pre & post hospitalisation, 140 day care procedures, domiciliary treatment, emergency ambulance, organ donor, one e-opinion per policy year, etc. The list of key highlights includes no claim based loading or claim based underwriting, no maximum entry age, 5% no claim discount on the renewal premium payable under the policy after every claim free year, portability benefit, and others. 

• Optima Vital

Apollo Munich's Optima Vital is a fixed benefit critical illness health insurance plan. The plan covers 37 critical illnesses, diseases, and surgical procedures including cancer of specified severity, kidney failure requiring regular dialysis, multiple sclerosis with persisting symptoms, end stage liver failure, and others. The sum insured options range between Rs. 1 Lakh to Rs. 5 Lakh. Sum insured over Rs. 5 Lakh is allowed in multiples of Rs. 5 Lakh up to a maximum of Rs. 50 Lakh. For individuals aged 55 years and above, the maximum sum insured is up to Rs. 20 Lakh. The prime features include medical E-opinion, value-added coverage options like Healthline and Health Risk Assessment, etc.

• Energy 

Energy is Apollo Munich's insurance policy and personalised management plan for diabetic patients. Available in 2 variants, namely Gold and Silver, the plan caters to the specific medical needs of patients with Diabetes Type 1, Diabetes Mellitus Type 2, Pre-diabetes (IFG, IGT) or Hypertension. Talking about sum insured, the options range between Rs. 2 Lakh and Rs. 50 Lakh. The basic cover includes inpatient treatment, day care procedures, pre & post hospitalisation, organ donor expenses, emergency ambulance cover, and others. Daily benefit, regular diabetes health check-ups, restoration of sum insured, cumulative bonus, and up to 25% wellness discount are the prime benefits that come with Apollo Munich's Energy plan.

If interested in knowing more about these plans, check the site as per your needs. 

You can also call InsuranceDekho experts at 18001205698 for detailed information regarding Apollo Munich and its plans. 

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