Apollo Munich Maxima

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Apollo Munich Maxima Health Insurance Policy

 

This policy will take care of you and your family for unforeseen hospitalisation expenses as well as day care procedures that do not require 24 hr hospitalisation. It pays for treatments taken at home and also covers out-patient costs like expense on dental treatment, contact lens, spectacles etc.

 

 

Key Features of Apollo Munich Maxima Policy

 

  • No maximum age for renewals
  • Maternity expenses covered after 4 years
  • Covers out-patient expenses like costs for dental treatment, spectacles etc
  • Pre, post and in-hospitalisation expenses covered
  • Pays for 140 day care procedures that do not require hospitalisation
  • Covers domiciliary expenses which are medical costs incurred for treatments taken at home.
  • Organ donors’ expenses covered

 

 

What is covered in Apollo Munich Maxima Insurance Plan?

 

  • Pre-hospitalisation expenses for 30 days (can be increased to 60 days)
  • Post-hospitalisation expenses for 60 days (can be increased to 90 days)
  • Hospitalisation costs
  • 140 day care procedures (which do not require 24 hr hospitalisation
  • Domiciliary treatment costs
  • Organ donor’s treatment costs
  • Maternity expenses which include pre-natal and post-natal costs after waiting period of 4 yrs
  • Daily cash expenses on shared accommodation
  • Outpatient costs covering diagnostic tests, cost of medicines, spectacles, contact lenses, dental treatment

 

 

Additional Benefits of Apollo Munich Maxima Insurance Plan

 

  • Annual health check-up for the insured person
  • Emergency ambulance costs up to Rs 2,000 covered
  • Optional coverage for newborn baby
  • Daily cash provided on shared accommodation for hospitalisation  more than 48 hours
  • Daily cash for accompanying insured child
  • Cumulative bonus of 10% for every claim-free year

 

 

Eligibility and Restrictions of Apollo Munich Maxima Policy

 

 

 

Minimum

Maximum

Coverage Amount (in Rs.)

3,00,000

3,00,000

Policy Term (in years)

1

1

Entry Age (in years)

91 days

65

Renewable till Age (in years)

-

No limit

 

 

Family floater policy will cover

 

  • Self
  • Spouse
  • 2 dependent children

 

 

Tax Benefits in Apollo Munich Maxima Policy

 

Deductions can be claimed under section 80D of the Income Tax Act for health insurance premiums up to Rs. 15,000 in case of individuals and Rs 20,000 for senior citizens

 

 

Exclusions - What is not covered in Apollo Munich Maxima Policy?

 

  • Pre-existing diseases for first 4 yrs
  • Specific diseases for first 2 yrs
  • HIV, AIDS and related diseases
  • Abuse of drugs, alcohol, hallucinogens, intoxicant – not covered
  • War, radiation or nuclear contamination
  • Non-allopathic treatment
  • Treatments for first 30 days except in case of accidents

 

 

Alternate health insurance plans from other insurance companies

 

ICICI Lombard Health Advantage Plus

HDFC Ergo Health Suraksha

Max Bupa Heart Beat Health Insurance

 

 

Other Health plans from Apollo Munich

 

Apollo Munich Optima Cash

Apollo Munich Insure Health

Apollo Munich Easy Health

Compare Health Plans

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