Apollo Munich Easy Health

Apollo Munich Easy Health Insurance Policy is a basic health insurance policy which covers medical expenses incurred by a person due to any illness, injury or accident. There are 2 options available – it can be purchased for an individual or for the entire family. In case of a family plan – any single member can also avail the entire insured sum amount.

• Wide cover for treatment against illnesses and accident
• Additional cover for Critical illness (optional)
• Portability benefit – Existing health policy with another company can be shifted to Apollo Easy Health on renewal   along with most of your accrued benefits
• Get coverage before, during and after hospitalisation

There are three variants available in Apollo Munich Easy Health insurance policy. They are -

1. Easy Health Standard
2. Easy Health Exclusive
3. Easy Health Premium

The plan is available in both types -

• Individual
• Family Floater

• Hospital room accommodation – on a shared basis
• Diagnostic procedures, lodging, ICU, operation theatre, anesthesia, blood, oxygen, medicines, drugs & consumables, surgical appliances, prosthetics and other devices implanted internally
• Expenses for organ donor of transplant
• Daily cash for accompanying an insured child (covered in exclusive and premium plan only)
• Also covers many day care procedures which do not require 24-hours hospitalisation such as X-ray, Chemotherapy, Radiotherapy, operation of cataract or tonsils, etc
• Pre-hospitalisation and Post-hospitalisation expenses
• Emergency ambulance charges – up to Rs. 2000
• Health check-up expenses after a certain claim-free period

• Maternity expenses with a waiting period of 4 years (only in Easy Health Exclusive and Premium)
• Dental treatment expenses (only in Easy Health Premium)
• Expenses on Spectacles and Contact lenses (only in Easy Health Premium)
• Optional cover of critical illness can be availed by paying additional premium
• Cumulative bonus of 10% for every claim-free year

• An individual and/or his spouse
• Dependent children
• Dependent parents

Health Insurance premiums paid up to Rs. 15,000 in case of individuals and Rs 20,000 for senior citizens are allowed as a deduction from the taxable income each year under section 80D of the Income Tax Act.

• All treatments except within first 30 days, exceptions – accidental case
• Pre-existing conditions for first  3 yrs
• HIV, AIDS and related diseases
• Non-allopathic treatment, congenital diseases, mental disorder, insanity, cosmetic surgery, weight control treatments
• Abuse of drugs, alcohol, hallucinogens, intoxicant – not covered
• Hospitalisation due to war
• Pregnancy, dental unless specific plan taken
• 2 yrs exclusion for: cataract, hernia, hysterectomy, Joint Replacement, Hydrocele