You are on page 1of 26

Apollo Munich Health Insurance

We Know Healthcare. We Know Insurance.


The Joint Venture

Apollo Munich Health Insurance Company

Defining the Health Insurance Sector of

India.

Apollo Hospitals Group Launched in 2007 to become the First


74% Stake choice Health Insurer.

Provide Differentiated Product & Service


Munich Health Offerings.
26% Stake
Leverage deep industry knowledge of

healthcare and Insurance from the

parentage.

Linked with ‘prevention and wellness’.

2
Health Care & Insurance Experts

Specialized in Health
Largest Healthcare
Insurance
group in Asia
Part of largest health
Strong brand
reinsurer worldwide
foundation
Access to up-to-date
Varied and Multiple
information on trends
touch points
and new developments
Strong industry
Excellent risk
knowhow
management expertise

We Know Healthcare. We Know Insurance.


3
Product Philosophy

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.

4
Our Product Offerings

Easy Health

HEALTH Maxima
INSURANCE

Optima Cash

Individual ACCIDENT
Personal INSURANCE
Accident

TRAVEL
INSURANCE Easy Travel

5
Easy Health Insurance Plan
Inpatient 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

6
EASY HEALTH INSURANCE PLAN

 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 Variant Standard Exclusive Premium


Plan Options (Rs. in Lacs) (Rs. in Lacs) (Rs. in Lacs)

1.00, 2.00, 3.00, 4.00, 4.00, 5.00,


Individual
3.00, 4.00, 5.00 5.00, 7.50 7.50, 10.00
2.00, 3.00, 3.00, 4.00, 4.00, 5.00,
Family Floater
4.00, 5.00 5.00, 7.50 7.50, 10.00

Tax Savings u/s 80D of IT act 7


EASY HEALTH INSURANCE PLAN
 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

What is  Out-patient Dental, Vision & Hearing Aids

Covered!  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 8
What WE Offer & Others DONT

Offering Apollo Munich Others


Life Long Policy Renewal- Offer cover around 75
YES
Cover from Cradle to Grave years only
No Sub-limits on Room Rent- Limit of room rent up to
No need to compromise on facilities when it Offered
comes to healthcare
1% of the policy

Portability of Benefits-
Not offered – resulting in
Acknowledgement of accrued benefits of your Offered
loss of accrued benefits
existing Health Insurance Policy
Outpatient Vision, Hearing aid & Offered
Most Insurers don’t offer
Dental cover with a waiting period

Offered as optional rider Others offer as a separate


Additional Cover for Critical Illness benefit with core inpatient
offering
product

Offered
New Born & Maternity Benefits Most Insurers don’t offer
with a waiting period
Health Line Support
Offered Most Insurers don’t offer
for any time medical assistance
Offered
Health Check-up Most Insurers don’t offer
Upto 1% of SI

9
EASY HEALTH INSURANCE PLAN

 30 days waiting period


 2 year specific disease waiting period like
cataract, hernia, hysterectomy, joint
replacement and hydrocele
 Pre-existing disease are covered from 4th year
What we  HIV, AIDS and related disease
don’t  Internal & external congenital disease
cover!
 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


MAXIMA
India’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

11
MAXIMA

India’s First 3600 Health Plan

Inpatient Treatment OPD treatment

Wellness Component MAXIMA Dental Cover

Vision Care Critical illness Rider

12
MAXIMA – Unique in its way

 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)

13
MAXIMA – Outpatient Benefits (OPD)

Doctor Consultation on cashless basis within network and


on reimbursement outside the network.
Benefits for Pharmacy expenses
Benefit for expenses related to Spectacles
What is Benefits towards Dental Expenses.
Covered! Benefit for annual Master Health Check.
For OPD part
Access to Apollo Munich trusted network of providers for
OPD expenses.

All on cashless basis across network.

14
MAXIMA – Inpatient Benefits (IP)

 Inpatient hospitalisation

 Pre and Post Hospitalization


 Daycare Procedures
 Domiciliary Treatment,
 Daily Cash for choosing shared accommodation
 Organ Donor Expenses
What is
Covered!  Emergency Ambulance Charges
For IP part  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

15
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.

16
OPTIMA CASH – Salient Features

 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

17
OPTIMA CASH
 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]
What is
Covered!  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]

*Benefits may vary as per the Variant opted 18


Individual Personal Accident
This 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.

19
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

20
INDIVIDUAL PERSONAL ACCIDENT

 Accidental Death
 Permanent Total Disablement
 Permanent Partial Disablement
 Temporary Total Disablement
 Accident Medical Expenses
 Transportation of Mortal Remains
What is
Covered!  Education Fund
 Family Transportation
 Modification of Residence/Vehicle
 Emergency Ambulance
 Transportation of Imported Medicine
 Purchase of Blood
 Accident Inpatient Hospitalisation
 Broken Bones

*Benefits may vary as per the Variant opted 21


Easy Travel Insurance
Offers 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

22
EASY TRAVEL INSURANCE
• 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

Plans available

•‘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.

23
EASY TRAVEL INSURANCE
 Medical treatment
 Dental treatment
 Repatriation of mortal remains
 Loss of passport
 Personal accident & common carrier
 Personal liability
Hijack daily allowance
What is
Covered!  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

*Benefits may vary as per the Variant Opted 24


Contact Information
Apollo Munich Health Insurance Company Limited
10th 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:

1800-103-0555
www.apollomunichinsurance.com
Insurance is the subject matter of the solicitation
LET’S
UNCOMPLICATE
26