Welcome to Apollo Munich Health Insurance Co. Ltd.

Why Health Insurance ?

Urban spending in healthcare will increase due to a variety of factors
Factors

Increase in Healthcare Spend in India

Lifestyle Diseases USD Billion

280
Enhanced Quality
of Hospitals

Financial Year 2020 (estimated)

42

Financial Year 2010

Increasing
Affluence
How do you ensure you can get the best quality
treatment even if it costs a lot?
 Reduce savings- Postpone a dream
 Borrow money- Lose dignity
 Do nothing- Pray
 Compromise- Feel guilty
 Take Health Insurance- Protect what’s dear to you
 Why Apollo Munich

53 Hospitals,
1068 Pharmacies,
8000 Doctors and
Trust of 19 million patients
Over 5000 Experts across
26 locations worldwide,
Customers from over 100 countries
We know healthcare.
We know insurance.
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.
 All our plans
come with...
 Great customer service
 100% Life long renewal
 Clear policy wordings and conditions
 Cashless access to the best 10,000 doctors and
4500 hospitals in over 800 cities
 Tax deduction under Section 80D*
 Our healthcare and health insurance expertise
 One of the fastest claims settlement in the industry

*Tax benefits are subject to changes in the Income Tax Act.

 W
NE

Easy Health gets better, stays affordable,

and now offers 7.5% premium discount for a 2 year plan.
Bene
fits
• Inpatient Hospitalization : Easy Health offers cover for In-patient hospitalization
with no sub limits or co-payment

• 100 % Life Long Renewal : 100% life long renewal with no cover ceasing age
• Additional Critical Illness Cover : Optional additional coverage against 8
specified critical illnesses

• Maternity Benefits : Coverage for maternity expenses offered with specified

waiting period

• Health Risk Assessment and Healthline Support : Access to online

health risk assessment tool and rich health content
Choose
from
Our Most Popular Plan :
Easy Health Standard (Sum Insured: ` 1 Lakh to `5 Lacs)
• Hospitalization • Pre-hospitalization • Post-hospitalization
• 144 Day-care procedures • Domiciliary treatment • Daily Cash for choosing shared accommodation
• Expenses for Organ Donor • Emergency Ambulance • Health Check-up • Optional Critical Illness cover

Our Plan for Young Families:

Easy Health Exclusive (Sum Insured: ` 3 Lacs to ` 50 Lacs)
• Hospitalization • Pre-hospitalization • Post-hospitalization • 144 Day-care procedures• Domiciliary
treatment • Daily Cash for choosing shared accommodation • Expenses for Organ Donor • Emergency
Ambulance • Health Check-up • Optional Critical Illness cover • Daily cash for accompanying an insured
child • Maternity Expense • New born baby coverage • Recovery Benefit

Our Premium Plan:

Easy Health Premium (Sum Insured: ` 4 Lacs to ` 50 Lacs)
• Hospitalization • Pre-hospitalization • Post-hospitalization • 144 Day-care procedures • Domiciliary
treatment • Daily Cash for choosing shared accommodation • Expenses for Organ Donor • Emergency
Ambulance • Health Check-up • Daily cash for accompanying an insured child • Optional Critical Illness
cover • Maternity Expense • New born baby coverage • Recovery Benefit • E-Opinion for Critical Illness
cases• Dental treatment • Spectacles, Contact Lenses, Hearing Aid
 Buy a 2 year plan & get

7.5% additional discount

 Remember
• 30 days waiting period: For the first 30 days of your policy we would provide cover only for medical
expenses arising out of accidental emergency conditions.
• 2 years disease specific waiting period: For specific diseases like cataract, hernia, joint
replacement surgeries, surgery of hydrocele etc. your claims would be payable only after you have
completed 2 consecutive years as our insured customer.
• Pre-existing disease: In case you have any existing condition, please remember to declare all such
medical conditions at the time of taking the policy. Pre-existing diseases, except for any medical condition
/ disease for which we have applied specific exclusion, shall be covered from 4th year of the policy if the
proposal is accepted and policy is issued to You.
• Apollo Munich would not provide cover for...
• Expenses arising out of medical conditions like HIV, AIDS & related disease.
• Expenses arising out of medical conditions pertaining to Internal & external congenital diseases.
• Expenses for artificial limb and external devices.
• Expenses for Cosmetic treatment or items of personal comfort and convenience.
Please refer to the policy wording for the comprehensive set of exclusions
What We OFFER & Others DON’T
Offerings Apollo Munich Majority of others
100% Life Long Policy Renewal YES Offer cover around 75 years only

Limit of room rent up to 1% of the

No Sub-limits on Room Rent Offered
policy

Not offered - resulting in loss of ac-

Portability of Benefits Offered
crued benefits

Outpatient Vision, Hearing Aid & Offered Most Insurers don’t offer
Dental Cover with a waiting period
Offered as optional rider benefit with
Additional Cover for Critical Illness Others offer as a separate product
core inpatient offering
New Born & Maternity Benefits Offered
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
 Commitment
Our customer comes first
4000 Hospitals, 800 Cities. Cashless Treatment

Policy Issuance:
Over 93% of the policies are issued within 7 working days while
Policy 83% of the times the policy is issued within 3 working days.
Issuance: Cashless Authorization:
Over 90% of the times, the cashless authorization is done within
2 hours of claim intimation.
Claims Settlement:
Cashless Over 95% of the claims are settled within 30 days with average
Services: claims settlement duration of 15 days for clear cases.
Customer Satisfaction:
We keep a track of our customer satisfaction level where on
average 85% of our customers are satisfied and advocate for us.
Customer
Satisfaction: Renewal Rate:
Over 80% of our existing customers renew their policy everyyear.
Ours is an uncomplicated
success story.
Three of our plans have received a 5 star rating from Economic Times Wealth.
Making Apollo Munich Health Insurance plans among the best in the category.
Taking care of your health has been good for us.
 How to Buy
Buy online now: 100% secure online transaction
www.apollomunichinsurance.com
Contact us on our Toll free Number
1800-103-0555
Visit to our

52
branch offices across India
Our Offices are present
in all major cities which
include HYDERABAD,
CHENNAI, KOLKATA,
Apollo Munich Health Insurance Co. Ltd • Corp. Off. 10th BANGALORE,
Floor, Tower B,Building No 10, DLF Cybercity, DLF City Phase II,
Gurgaon-122002, Haryana. Tel: +91-124-458433 Fax: +91-
MUMBAI, DELHI,
124-4584111 • Reg Off. Apollo Hospitals Complex, Jubilee Hills, PUNE, AHMEDABAD,
Hyderabad-500033, AP • www.apollomunichinsurance.com •
Email: customerservice@apollomunichinsurance.com • Insurance JAIPUR, CHANDIGARH,
is the subject matter of solicitation. • For more details on risk
factors, terms and conditions please read sales brochure carefully LUCKNOW and COCHIN
before concluding a sale. • IRDA Registration Number - 131 •
Corporate Identity Number: U66030AP2006PLC051760 Branch Locator
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