The Apollo Hospital Group 

Group
Unique in reach and brand name in organized healthcare
Over 25 years of presence and experience in healthcare Industry and the father of Corporate Health care in India. 

Reach
Nation wide network of hospitals, pharmacies & clinics
In addition to the Tele medicine (currently reaching 50,000, to be rolled out across 5 states) and administering health insurance for the rural poor across the country. 

Brand
India¶s largest, best reputed organized healthcare brand
Apollo is a trusted brand, which is a strong differentiator in healthcare. 

Expertise Current knowledge of patient histories, disease prevalence treatments & costs makes it an unique integrated healthcare service
provider for India. 

Customer Expectation Cross sell opportunities are large
Product bundling can also be done with the wellness clinics, pharmacies by bundling health maintenance programs with insurance products.

Deutsche Krankenversicherung 

Group
investments into Provider, Wellness and Disease Management guided by superior technology platform for Health Insurance. One of the world¶s top five private insurers.

Leadership position in Europe in Health Insurance with strategic 

Reach
Global presence
DKV present in 9 European countries, China and now India. Provides service to 7.3 million customers. Income reached 5 billion Euros. 

Brand
Member of the Munich Re Group
DKV is synonymous to health insurance across the borders of Europe. A member of the ERGO Insurance Group, belonging to the Munich Re. 

Expertise Long lasting health care and Health insurance experience
Actuarial , Technical and international Health Insurance expertise built over 80 years 

Customer Expectation Fair practices
Believe in DKV¶s strengths: Innovating new and comprehensive products

Mission  Our Mission is to:     Constantly introduce innovative health insurance and wellness solutions that meet customer needs Build an organization on the principles of transparency.Apollo DKV Health Insurance Company Vision  To provide affordable and innovative health insurance solutions to every citizen of India and become their first-choice partner in positive health. trust and integrity Create opportunities for our employees to learn and grow in an enjoyable work culture Constantly deliver on our commitments to all the stakeholders .

Apollo DKV¶s Business Targets  Number of Lives: Apollo DKV expects to cover 2 million lives.  Market: With a market share of 10% in three financial years.  . Systems and Technology: State of Art IT supports system across all locations.  Presence: Six regional Offices and operation across 25 locations.  Product Innovation: Innovative health and travel insurance products lined with wellness and prevention components.

Our promise to the country ³Prevention for Better Health´ In Apollo DKV. we will constantly strive towards: Partnership : with our customers for their good health Enhancement Prevention Wellness Disease Management : of affordability and accessibility : as an approach towards wellness : leading towards« : our ultimate objective "Let's Stay Healthyµ Our unique Brand Positioning .

Our Product Easy Health Individual Health Insurance .

Easy Health Product What is Health Insurance Hospitalization Expenses Room rent Medicine Consultation Fee Diagnostic Fee Ambulance Pre-hospitalization expenses Cashless treatment Tax rebate under Section 80D Cover ceasing age .

4. 10.00 2. 5. 1.00.00 Family Floater . 5. 5.00 4. 3. 5.00.00.50 Premium 3.00 Exclusive 3. 4.50.00. 2. 4.50.00.50 3.00.Easy Health Product Sum Insured Basis Individual Sum Insured / Floater Sum Insured Benefit Type Indemnity / Benefit Plans Standard Individual 1.00. 10. 7.00. 3. 7. 2.00.5.00.00.00.50.00.00. 7.00. 4.00.00.00. 4. 5. 7.50.

Easy Health Product Basic Features          In-patient treatment Pre-hospitalisation Post-hospitalisation Domiciliary hospitalisation Day Care Treatment Daily Cash ± Shared Accommodation Organ Donor Emergency Ambulance Health Check-up .

Diagnostic procedures. drugs and consumables.Easy Health Product In-patient Treatment         Room rent. Medical Practitioner. boarding expenses. operation theatre charges. Cost of prosthetic and other devices or equipment if implanted internally during a Surgical Procedure. Anaesthesia. Intensive care unit. blood. . oxygen. Nursing. surgical appliances. Medicines.

Easy Health Product Pre-hospitalisation  The Medical Expenses incurred due to an Illness in the 30 days immediately before the Insured Person was Hospitalised. provided that We have accepted an inpatient Hospitalisation claim  For 90 days. if we intimated at least 5 days before the Hospitalisation NEW . if we intimated at least 5 days before the Hospitalisation NEW Post-hospitalisation  The Medical Expenses incurred in the 60 days immediately after the Insured Person was discharged post Hospitalisation. provided that We have accepted an inpatient Hospitalisation claim  For 60 days.

or Hospital bed was unavailable The condition continues for at least 3 days No payment for Asthma. Epilepsy. Diabetes Mellitus and Insupidus. Diarrhoea and all type of Dysenteries including Gastroenteritis. Arthritis. Hypertension. Psychiatric or Psychosomatic Disorders of all kinds. Influenza. Tonsillitis and Upper Respiratory Tract infection including Laryngitis and Pharyngitis. . Pyrexia of unknown Origin. Bronchitis. Gout and Rheumatism. Chronic Nephritis and Nephritic Syndrome. Cough and Cold. which requires Hospitalisation     Could not be transferred to a Hospital.Easy Health Product Domiciliary Treatment  The Medical Expenses incurred by an Insured Person for medical treatment taken at home.

Easy Health Product Day Care Procedures  The Medical Expenses for a day care procedure or surgery where the procedure or surgery is taken by the Insured Person as an inpatient for less than 24 hours. .

Easy Health Product Daily Cash .Shared Accommodation  NEW Hospitalized in Shared Accommodation in a Hospital for each continuous and completed period of 24 hours if the Hospitalisation exceeds 48 hours Organ Donor  The Medical Expenses for an organ donor¶s treatment for the harvesting of the organ donated provided the donor is a blood relative Pre and Post hospitalisation expenses for Donor is not covered  Emergency Ambulance  Expenses incurred on ambulance offered by a healthcare or ambulance service provider used to transfer the Insured Person to the nearest Hospital following an emergency .

Hearing Aid  E-opinion for Critical Illness  Coverage for New Born Optional Rider  Critical Illness .Easy Health Product Additional Features  Daily Cash ± Accompanying Child  Maternity Expenses  Out-patient Dental  Spectacles. Contact Lenses.

Easy Health Product Daily Cash ± Accompanying Person  NEW If the Insured Person Hospitalized is a child Aged 12 years or less. We will pay a daily cash amount for 1 accompanying adult for each complete period of 24 hours if Hospitalisation exceeds 72 hours Maternity Expenses  NEW Medical Expenses for a delivery (including caesarean section) while Hospitalised or the lawful medical termination of pregnancy during the Policy Period limited to 2 deliveries or terminations Waiting period of 4/6 years Prenatal & post natal expenses covered up to sub limit   Newborn baby  NEW If we have accepted a claim under Maternity expenses we will cover the new born baby under Inpatient Treatment from Day 1 .

Contact Lenses. X-rays. Hearing Aid  Every third year. extractions.Easy Health Product Outpatient Dental Treatment  NEW From the fourth year onwards We will pay 50% of the expenses for dental treatment taken from a Network dentist We will only pay for Consultation. amalgam or composite fillings. We will pay up to 50% of the actual cost of One pair of spectacles or contact lenses. root canal treatments and prescribed drugs for the same NEW  Spectacles. and/or A hearing aid These items must be prescribed by a Network EYE/ENT specialised Medical Practitioner  .

.Easy Health Product E-Opinion in respect of a Critical Illness NEW  If an Insured Person suffers a Critical Illness  At the Insured Person¶s request We will arrange a second opinion from Our panel doctor.

Stomach.A term rarely heard 20 years ago has now become a reality . Lung. Among women (in order of number of global deaths): Breast. Nearly 7-8 lakh new cases are diagnosed each year with approximately 5 lakh deaths in the year.The sad & shocking part is that those suffering from CI survive for an average of 5 years after being diagnosed. Oesophagus and Prostate. Colorectal.Easy Health Product Critical Illness . Stroke . Heart Attack. It is those 5 yrs when the person is not earning (unproductive years).Cancer. thus draining the family of all its saving. Liver.There are an estimated 25 lakh cases of cancer in India at any given time. Medical expenses for CI is exorbitantly high. Major Organ Transplant. Cancer . Colorectal and cervical.The most frequent cancer types world wide are: Among men (in order of number of global deaths): Lung. . Stomach. Coronary Artery Bypass Surgery. . Kidney failure.

Easy Health Product - Tobacco us is the single largest preventable cause of cancer in the world. stomach. Cardiovascular Diseases - Current Projection suggest that by the year 2020 India will have the largest cardiovascular disease burden in the world. mouth. One fifths of the deaths in India are from coronary heart disease . throat. liver. kidney and other types: Environmental tobacco smoke (passive smoking) causes lung cancer. pancreas. Tobacco use causes cancer of the lung. bladder.

Easy Health Product Critical Illness  NEW Cancer. Heart Attack (Myocardial Infarction). Coronary Artery (Bypass) Surgery . Stroke The Insured Person is first diagnosed as suffering from a Critical Illness during the Policy Period and he survives for at least 30 days following such diagnosis. Multiple Sclerosis. Maximum three claims in lifetime Cover ceasing age ± 70 years Optional Rider ± 50% or 100% of Sum Insured On Individual Sum Insured basis      . Paralysis. Major Organ Transplantation. Kidney Failure.

Easy Health Product Major Exclusions           30 days waiting period 2 year specific disease waiting period Pre-existing disease covered from 4th year HIV. AIDS Internal & external congenital disease Non-allopathic treatment Artificial limb and external devices Cosmetic treatment Weight loss treatment Maternity (if not opted and within waiting period) .

CB reduced by 20% of Sum Insured Health Check-up    Available in Claim Free year Subject to waiting period of 2/3/4 year Expenses reimbursed towards health checkup up to the sub limit .Easy Health Product Cumulative Bonus     Available for every claim free year Sum Insured increased by 10% Maximum up to 50% of SI In the event of Claim.

Easy Health Product Cashless Hospitalization  Available in the Network hospital only  Subject to pre-authorization by TPA  Approximately 4000+ network hospitals  Specialized network for Dentist & ENT in the coming years  Panel Doctors for Critical Illness .

Easy Health Product Who can be insured  Self. Children and Parents Entry Age  Self  Minimum 18 years and Maximum 60 years  Adult Dependent  Minimum 18 years and Maximum 60 years  Child Dependent  Minimum 5 years and Maximum 21 years  Can be covered from 91st day if parent covered under same policy Cover Ceasing Age  Nil NEW . Spouse.

Easy Health Product Premium Calculation .3 or more .Individual Premium excludes service tax and cess Family Discount 10% .

Easy Health Product Premium Calculation ± Family Floater Premium excludes service tax and cess .

Easy Health Product Premium Calculation ± Critical Illness Premium excludes service tax and cess .

Easy Health Product Portability       Comparable Individual Health Insurance Plans 30 days exclusion waiver 2 year exclusion waiver Pre-existing Exclusion waiver NEW  Min waiting period of 1 year Transfer of Cumulative Bonus  5% every year max 20% No reduction in waiting period for other benefits .

000* (* Including Pre/Post Natal limit of Rs.INDIVIDUAL Sum Insured per Insured Person per Policy Year 1 a) In-patient Treatment 1 b) Pre-hospitalization 1 c) Post-hospitalization 1 d) Day Care Procedures 1 e) Domiciliary Treatment 2 a) Daily Cash for choosing Shared Accommodation 2 b) Organ Donor 2 c) Emergency Ambulance 2 d) Daily Cash for accompanying an insured child 2 e) Newborn baby Standard 1. 3d) and 5 are subject to pre-authorisation by the TPA .500 and New Born limit of Rs.000* Caesarean Delivery Rs.000 Not Covered Not Covered Not Covered Not Covered Optional.000 Optional Normal Delivery Rs.3.000* (* Including Pre/Post Natal limit of Rs. 2.000 Optional Premium 7.500 and New Born limit of Rs.2000 Rs. 2.00 Covered Covered Covered Covered Covered Rs. 1.3.00.50 3. Maximum Rs.000) 3 b) Outpatient Dental Treatment Waiting Period 3 years 3 c) Spectacles. 5. 15.15.1.50. 2.5. 25. 15. Maximum Rs. 10. Maximum Rs.50. Maximum Rs.50.000) Not Covered Rs.4.00.000 Covered Upto Rs.800 per day. 40.000* Caesarean Delivery Rs. 5. One per policy year Optional. Maximum Rs. if opted then the Critical Illness Sum Insured is as per the Insured Persons Table in the Schedule Upto 1% of Sum Insured subject to a Maximum of Rs.500 per day.000 Optional Normal Delivery Rs.9.4. Contact Lenses. 4.000 Optional Normal Delivery Rs.2.000 Every 3rd Year Covered.500 per day.800 Rs. 3.000 Upto Rs.500 per day.00 Covered Easy Health Product Covered Covered Rs.15. 4. 5.000 Covered Upto Rs.500 and New Born limit of Rs.500 per day.000 Every 2nd Year 4 Critical Illness Not Covered 5 Health Checkup Upto 1% of Sum Insured Every 4th Year Benefits under 3b). Maximum Rs.2000 Rs.1.000* (* Including Pre/Post Natal limit of Rs.800 Rs.3. 40.00 Covered Covered Exclusive 7.2000 Not Covered Not Covered 3.3500) 3 a) Maternity Expenses Waiting Period of 6 years Not Covered Normal Delivery Rs.00 Covered Covered Covered Covered Covered Rs.500 and New Born limit of Rs.5.00.000* Caesarean Delivery Rs.3500) Rs. 4.300 per day. 2.2.300 per day. Maximum Rs.000* (* Including Pre/Post Natal limit of Rs.9. 25.5.000 Covered Upto Rs. Hearing Aid Every Third Year 3 d) E-Opinion in respect of a Critical Illness Not Covered Upto 1 % of Sum insured subject to a Maximum of Rs. Maximum Rs.000* Caesarean Delivery Rs.00. Maximum Rs. if opted then the Critical Illness Sum Insured is as per the Insured Persons Table in the Schedule Upto 1% of Sum Insured subject to a Maximum of Rs.00. 25. 3c).00.00.00.800 per day.500 per day.5. 25.

One per policy year Optional.000 3 a) Maternity Expenses Waiting Period 4 years Not Covered Normal Delivery Rs.000 Covered Upto Rs.4.000* (* Including Pre/Post Natal limit of Rs.9.FAMILY FLOATER Sum Insured per Policy 1 a) In-patient Treatment 1 b) Pre-hospitalization 1 c) Post-hospitalization 1 d) Day Care Procedures 1 e) Domiciliary Treatment 2 a) Daily Cash for choosing Shared Accommodation 2 b) Organ Donor 2 c) Emergency Ambulance 2 d) Daily Cash for accompanying an insured child 2 e) Newborn baby Standard 2. Maximum Rs.000* (* Including Pre/Post Natal limit of Rs. Maximum Rs. 3c). 5000 Upto Rs.000* (* Including Pre/Post Natal limit of Rs.000* Caesarean Delivery Rs. 40. 5.00. Hearing Aid Every Third Year 3 d) E-Opinion in respect of a Critical Illness Not Covered Upto 1 % of Sum insured subject to a Maximum of Rs. Maximum Rs.00. if opted then the Critical Illness Sum Insured is as per the Insured Persons Table in the Schedule Upto 1% of Sum Insured subject to a Maximum Rs. 25.000* Caesarean Delivery Rs.300 per day.000) Normal Delivery Rs. 2000 Not Covered Not Covered 3.800 per day.15. 3d) and 5 are subject to pre-authorisation by the TPA Upto 1% of Sum Insured Every 4th Year .2. 40.000 Rs.00 Covered Covered Exclusive 7.9.500 and New Born limit of Rs. 2. 5000 per person Every 3rd Year Covered. 10. 5. 25.000 Covered Upto Rs. 25. 5000 Not Covered Not Covered Not Covered Not Covered Optional.800 Rs.2. 25. Contact Lenses.00. 4.000* (* Including Pre/Post Natal limit of Rs. if opted then the Critical Illness Sum Insured is as per the Insured Persons Table in the Schedule Upto 1% of Sum Insured subject to a Maximum Rs.000* Caesarean Delivery Rs.500 and New Born limit of Rs.00.4.000) Not Covered Rs.00 Covered Covered Covered Covered Covered Rs. 15.500 per day.1.3500) Premium 7. Maximum Rs.15.500 and New Born limit of Rs. Maximum Rs.000 Optional Normal Delivery Rs.1.000 Optional Normal Delivery Rs.800 Rs.500 per day.500 per day.3500) 3 b) Outpatient Dental Treatment Waiting Period 3 years 3 c) Spectacles. 15. 4. 3.00 Covered Easy Health Product Covered Covered Rs.50. 5000 per person Every 2nd Year 4 Critical Illness Not Covered 5 Health Checkup Benefits under 3b).3. 2.50 4.500 and New Born limit of Rs. Maximum Rs.500 per day.800 per day.300 per day.3. 2000 Rs. 5. Maximum Rs.00 Covered Covered Covered Covered Covered Rs. Maximum Rs.000* Caesarean Delivery Rs.00.3.000 Covered Upto Rs. Maximum Rs. 2000 Rs.500 per day.00.

Exclusive and Premium plans with several intermediate options More floater options than competition on SI and family definition Vision and Dental benefits available in the Premium product Dental benefit has a waiting period of 3 years.Easy Health Product Executive Summary: Easy Health Retail Key Product Differentiators  Guaranteed Renewal   Member is covered from ¶cradle· to ¶grave· i. Vision can be availed every 3rd year Maternity waiting period of six years in the individual product and 4 years in the floater New born baby cover is optionally available in the Exclusive and Premium product (provided parents are covered with us) Choice of SI and Plans     Outpatient Dental & Vision New Born and Maternity  . no age restriction once member is covered with us Competition stops coverage at a certain age Sum insured ranges from 1L to 10L across the range of Standard.e.

with detailed prescription. Competition offers as stand alone E-Opinion offered as standard benefit with Exclusive and Premium products Up to 1% of SI for all products Available every 4th. 1200 to rs.Easy Health Product Executive Summary: Easy Health Retail Key Product Differentiators CI rider and E-Opinion  Critical Illness rider available as optional rider benefit with core inpatient offering (Exclusive and Premium). available to members One coupon for discounted MHC provided to every policy holder Discounts available at ¶exclusive· hospitals / clinics / diagnostic centers (price range from rs. 3rd and 2nd year for Standard. Exclusive and Premium product respectively ¶Basic· Health Risk Assessment available to all prospects Sophisticated version. 1800)  Health Checkup   Health Risk Assessment    Discounted MHC  .

newsletters etc Community building   Stay healthy card   Mailed to members in the event of a hospitalization event Reinforce ¶Let·s Stay Healthy· and focused on positive health  Health Line  Toll free contact number to for health tips and consultation manned by experts and professionals.g. 3 nearest providers based on zip code Through use of ´Let·s Stay Healthyµ Blog Personalized health information.Easy Health Product Executive Summary: Easy Health Retail Key Product Differentiators SMS based information   Welcome message Basic information made available to members e. . Personalized health consulting.

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