Apollo Munich, a pure health insurance company, is a joint venture between Apollo Hospital Group and Munich Health. The company utilizes the potential and skill of both the partners for the betterment of the clients. It tries to simplify health insurance products so that medical treatment can be made accessible to all. The company promises insured individuals to take out the fear from faces, the jargon from words, the bitter from medicines, the confusion from claims and the trouble from treatment.
Apollo Munich’s Easy Health is the most popular plan among the Indian citizens. This product offers basic health cover to both Individual and Family. Its family floater plan can be easily adjusted in the budget, as it can be purchase at the expense of just few rupees per day. One can get wide coverage at reasonable rates.
There are three variants under this plan: -
Easy Health—family health insurance plan is the complete health insurance plan for a family, which may include an insured, spouse, dependent parents and dependent children. The plan is designed looking into health needs of people. Its coverage limit includes hospitalization cost, pre-and post-hospitalization expenses, domiciliary treatment, 140 day-care procedure, etc. It also includes Organ Donor expenses and emergency ambulance expenses (maximum up to Rs. 2,000). It pays for the medical expenses incurred toward treatment of covered peril.
The coverage of Premium and Exclusive variant is more as compared to Standard variant. The extra benefits offered with these two variants include maternity expenses with a waiting period of 6 years, optional coverage to new born baby and Critical Illness Cover to eight major disorders--Cancer, Coronary Artery Surgery, Heart Attack, Multiple Sclerosis, Major Organ Transplantation, Paralysis, Kidney failure and Stroke.
Easy Health Premium variant brings the maximum coverage for its customers. The sum assured in this variant is in the range of 4 Lakh to 10 Lakh. A few of the benefits that comes exclusively with this variant are e-opinion for critical illness, Outpatient Dental Treatment with waiting period of 3 years, and cost of spectacles, lenses and hearing aids every third year.
Besides it, Easy Health comes with add-on services, such as Healthline and Cashless Hospitalization to offer coverage to preventive health needs of a policyholder. The distinctive feature of this plan is that there is no age restriction or cover ceasing age, as it comes with life-long renewal feature.