Apollo Munich Easy Health Insurance - An Affordable Investment

Apollo Munich Insurance - About It

Apollo Munich is one of the most famous health insurers in the country. The ultimate preference of many for affordable health insurance plans, Apollo Munich has been catering to the diverse needs of hundreds and thousands of Indians for more than a decade now. Needless to say, it has gained immense trust of its significant customers in all these years of service. The favored choice of many including individuals, families, expecting mothers, senior citizens, corporate houses and others, the standalone health insurance provider is definitely here to stay for countless years to come. What's the major reason behind the success of Apollo Munich? It’s the wide range of exceptional health insurance plans offered! 

When it comes to health insurance product range, Apollo Munich has a broad selection in store. Optima Restore, Health Wallet, Energy, Dengue Care, iCan Cancer, Optima Vital, Optima Senior, Optima Cash, and Maxima Health are the prime health insurance plans. 

Let’s uncover what makes it worthwhile.

Apollo Munich Easy Health Insurance

Easy Health is the perfect plan one can look forward to buying to save themselves from an unexpected financial burden during medical emergencies. Comprehensive in coverage, Easy Health plan is a reliable choice you can make to get all your medical needs met, without breaking your bank. The offered health insurance plan is a superior choice to opt to avail treatment against accidents, illnesses as well as injuries that require in-patient hospitalisation. 

Key Features

• Wide coverage
• Lifelong renewability
• Eligibility - 91 days up to 65 years
• Policy period - 1 year or 2 years 
• Available on individual and family floater basis
• Plan variants - Standard, Exclusive, and Premium
• Sum insured range - Rs. 1 Lakh up to Rs. 50 Lakh
• Tax benefits under Section 80D of the Income Tax Act
• Medical expenses for in-patient treatment under Ayurveda, Unani, Homeopathy and Sidha covered
• Stay Active Benefit - 2% to 8% discount on renewal premium for taking specified number of steps in a policy year
• Family discount of 5% on covering 2 family members; 10% on covering 3 or more family members

Key Benefits 

• Inpatient hospitalisation expenses for a period of more than 24 hours 
• 60 days pre-hospitalisation expenses 
• 90 days post-hospitalisation expenses
• Cover for day care procedures 
• Domiciliary treatment 
• Organ donor expenses
• Ambulance cover - Up to Rs. 2000 per hospitalisation
• AYUSH benefit - From up to Rs. 20,000 to up to Rs. 50,000 (As per variant chosen)
• Daily Cash for choosing Shared Accommodation - From maximum of Rs. 500 per day to Rs. 1000 per day (as per variant chosen)
• Optional Critical Illness Cover available (Not applicable on easy health standard family floater plan)
• Health check-up facility available (As per variant chosen)
• Cumulative Bonus - 10% for every claim free year accumulating up to 100%

The Difference Between The Variants

Easy Health Standard

• Individual - The sum insured options range between Rs. 1 Lakh up to Rs. 15 Lakh. Apart from basic expenses, the plan covers you for Ayush Benefit (up to Rs. 20,000); Daily Cash for choosing Shared Accommodation (Rs. 500 per day, maximum Rs. 3,000); Optional Critical Illness Rider (If chosen then Critical Illness Sum Insured 50% or 100% of in-patient sum insured subject to minimum of Rs. 100,000); Health Checkup (Upto 1% of sum insured per insured person, only once at the end of a block of every continuous 4 claim free years); Critical Advantage Rider (where base sum insured is Rs. 10 Lakh & above).
   
• Family Floater - The sum insured options range between Rs. 2 Lakh up to Rs. 15 Lakh. Rest, it is same as Easy Health Standard Individual Plan.
  ​
  
  

Easy Health Exclusive  

• Individual - The sum insured options range between Rs. 3 Lakh up to Rs. 50 Lakh. The cover for AYUSH benefit varies between up to Rs. 25,000 and up to Rs. 50,000 as per the sum insured amount; Daily Cash for choosing Shared Accommodation is covered from Rs. 500 per day with a maximum of Rs. 3,000 up to Rs. 1000 per day with a maximum of Rs. 6,000; Daily Cash for Accompanying an Insured Child is covered from Rs. 300 per day with maximum Rs. 9,000 up to Rs. 800 per day with maximum Rs. 24,000; New Born Baby Cover (Additional Benefit on payment of additional premium); Recovery Benefit of Rs. 10,000 for more than 10 days of hospitalisation (only for sum insured between Rs. 15 Lakh up to Rs. 50 Lakh); Emergency Air Ambulance covered for up to Rs. 2.5 Lakh per hospitalisation (only for sum insured between Rs. 15 Lakh up to Rs. 50 Lakh); Maternity Expenses (Normal delivery - Rs. 15, 000, Rs. 25, 000, Rs. 30, 000/ Caesarean delivery - Rs. 25, 000, Rs. 40, 000, Rs. 50, 000 as per sum insured) covered with waiting periods depending on sum insured; Optional Critical Illness Rider (sum insured Rs. 3 Lakh to Rs. 10 Lakh - Critical illness sum insured 50% or 100% of in-patient sum insured; sum insured Rs. 15 Lakh to Rs. 50 Lakh - Critical illness sum insured 50% or 100% of in-patient sum insured up to a maximum of Rs. 10 Lakh); Health Checkup - up to 1% of Sum Insured subject to a maximum of Rs. 5,000 per insured person, only once at the end of a block of every continuous 3 policy years.
   
• Family Floater - The sum insured options range between Rs. 3 Lakh up to Rs. 50 Lakh. Other than the basic cover, you get AYUSH Benefit of up to Rs. 25,000 or up to Rs. 50,000 as per sum insured; Daily Cash for choosing Shared Accommodation from Rs. 500 per day with a maximum of Rs. 3,000 to Rs. 1000 per day with a maximum of Rs. 6,000 as per sum insured; Daily Cash for Accompanying an Insured Child from Rs. 300 per day with maximum Rs. 9,000 to Rs. 800 per day with maximum Rs. 24,000 as per sum insured; New Born Baby Cover available on payment of additional premium; Recovery Benefit of Rs. 10,000 for more than 10 days of hospitalisation (sum insured Rs. 15 Lakh to Rs. 50 Lakh); Emergency air ambulance up to Rs. 2.5 Lakh (sum insured Rs. 15 Lakh to Rs. 50 Lakh); Maternity Expenses (Normal delivery - Rs. 15, 000 to Rs. 30, 000/ Caesarean delivery - Rs. 25,000 and Rs. 50,000 as per sum insured); Optional Critical Illness Rider of 50% or 100% of in-patient sum insured (up to max of Rs. 10 Lakh in case of sum insured Rs. 15 Lakh to Rs. 50 Lakh); Health Checkup same as that for individual.

Easy Health Premium

• Individual - The sum insured ranges between Rs. 4 Lakh up to Rs. 50 Lakh. You get covered for basic expenses. Note that the coverage under AYUSH Benefit, Daily Cash for choosing Shared Accommodation, Daily Cash for Accompanying an Insured Child, New Born Baby Cover, Recovery Benefit, Emergency Air Ambulance, Maternity Cover, and Optional Critical Illness Rider is same as that in case of Exclusive Individual (as per sum insured chosen).
  
  Note that Easy Health Premium Individual covers you for Outpatient Dental Treatment with Waiting Period of 3 years (Up to 1 % of sum insured subject to a maximum of Rs. 5,000 for sum insured Rs. 4 Lakh up to Rs. 10 Lakh & up to 1 % of sum insured subject to a maximum of Rs. 7,500 for sum insured Rs. 15 Lakh up to Rs. 50 Lakh). Also, you get covered for Spectacles, Contact Lenses, Hearing Aid Every Third Year for up to Rs. 5,000 (sum insured Rs. 4 Lakh up to Rs. 10 Lakh) and up to Rs. 7,500 (sum insured Rs. 15 Lakh up to Rs. 50 Lakh). Lastly, you gain coverage for Health Checkup up to 1% of sum insured subject to a maximum of Rs. 5,000 per insured person, only once at the end of a block of every continuous 2 policy years. 
   
• Family Floater - Sum insured options range between Rs. 4 Lakh up to Rs. 50 Lakh. The basic expenses along with Emergency Ambulance, AYUSH Benefit, Daily Cash for choosing Shared Accommodation, Daily Cash for Accompanying an Insured Child, New Born Baby Cover, and Maternity Expenses, Recovery Benefit, Emergency air ambulance, and Optional Critical Illness Rider is same as that of Exclusive Family Floater (as per sum insured).
  
  Apart from the same, you gain cover for Outpatient Dental Treatment with Waiting Period of 3 years (Up to 1% of sum insured subject to a maximum of Rs. 5,000 or Rs. 10,000 depending on sum insured); Spectacles, Contact Lenses, Hearing Aid Every Third Year (maximum of up to Rs. 5,000 or Rs. 10,000 as per sum insured).
  
  You are also covered for E-Opinion in respect of a Critical Illness with 1 opinion per policy year. 
  
  Lastly, Health Checkup covers you for up to 1% of sum insured per policy subject to a maximum of Rs. 5,000 per insured person, only once at the end of a block of every continuous 2 claim free years. 

Also Read

Apollo Hospitals' Founders Are To Sell Their Entire Stake In Apollo Munich

Apollo Munich Is Now HDFC ERGO Health: Will It Affect Existing Customers?

Conclusion 

Easy Health by Apollo Munich is a vast coverage plan. Each of its three variants are specifically designed to meet the particular medical needs of individuals as well as families. 

Before you make a decision, it is advised to go through policy wordings of each variant carefully. Remember to analyze your coverage requirements beforehand so that you can opt the right variant and plan type. 

If confused, feel free to talk InsuranceDekho experts at 7551-196-989.