Health Insurance In India, Buy Online Health Policy, Health Insurance Policy

Insurance Benefits

2012-02-09T02:01:00.000-08:00

Health insurance is a product that needs to be purchased with much care. Although there are innumerable health plans available but you need to choose the one that can serve you with wide coverage healthcare services. Amidst several health insurance companies, Apollo Munich shares a good reputation by providing people best medical care as per the need.

There are several insurance benefits that a medical cover can serve. The foremost benefit is the financial assistance that makes the journey of healthcare easy and smooth for all. Whenever there is a need of health treatment in life, people get worried about expenses that it will generate. By giving a financial coverage the insurance cover allow the policy holder to go ahead with the proper medication without taking monetary stress. This is the greatest benefit that an insurance cover offers because the thought of huge medical bills gives real mental stress to people. Mind occupied with the fiscal strain is not able to concentrate on health recovery. But by buying a health cover it is easy to get rid of this paltry worry.

Besides this, several health insurance benefits are listed in the plan. The most preferred one is the facility of cashless hospitalization. It enables people to avail the best medical treatment from any reputed hospital. The health insurance companies that facilitate this provision maintain the network with certain hospitals. The policy holder can visit the medical expert and avail appropriate treatment. Leaving behind the tension of treatment cost the person can avail healthcare on cashless basis. In case of the medication availed in any non- network hospital, the insured gets entitled to the provision of reimbursement. In this way health insurance plans provides for complete protection.

In addition the facility of critical illness cover makes the plan comprehensive. It is a facility that looks after the medical care needs if suffering from any critical illness. Any major health ailment may require hospitalization that is likely to generate huge medical bills. For most of them it is not easy to afford. Thus even after having the facility of best medical treatment, people cannot take the benefit of it. To make it feasible for all, health insurance plan is the only tool.

Other than this a comprehensive medical insurance plan can provide relief to the individual from the health related issues. It makes the insured feel protected. It the most appropriate tool in today’s date where the medical cost has taken a huge leap. The spiraling treatment charges poses huge impediment before people. It is only the health cover that can safeguard the person from the burden of healthcare cost.

There are other insurance benefits that stand in the list. A health cover also relieves the person from the additional charges that increases the list of expenses. A mediclaim is capable of providing coverage against in- patient charges, pre and post- hospitalization, day care procedures and several others. It aims at making health care easy and simple for all.

By buying a medical insurance policy, the individual can avail wide coverage benefits. The insurers like Apollo Munich make it more beneficial for people by offering the facility of life- long renewal. It allows the policy holder to avail the health insurance benefits for an extended period. By doing so, it ensures the health security of the insured in present and in future. Thus the person can get secured for lifetime at affordable rates.

So get insured and enjoy a secured tomorrow with several insurance benefits.

Medical Insurance Cost is Not a Waste

2012-01-04T01:20:00.000-08:00

Paying for anything is painful. If you have to pay for anything that will not get you something in return it pinches even more. The fact is that it is simply due to this that people avoid paying the medical insurance cost. Stating that the premium of the policy is too high is not the right reason to forgo a health insurance policy. One should buy the policy irrespective of how much they have to loosen their pockets. Just as the health insurance price seems heavy, the cost of healthcare is actually often unaffordable. The only problem is that when a person thinks about health insurance, they see that they are investing money but will not get any return out of the investment.

A health insurance premium would not fetch you returns but it will give you the security needed to make sure that you can get the needed treatment without any fiscal worries. There are many other benefits that are provided along with a mediclaim policy. The medical insurance cost that is paid by a person is not taxable under section 80 (D) of the Income Tax Act. This means that one can save that money too. At the same time the policy is actually aimed at ensuring that the customer can safeguard the amount of money that would have been blown up in healthcare. The policy pays for the treatment (except those in the exclusions list).

So even if the medical insurance cost does not give any monetary returns, it does give the customers a return on the investment in the form of peace of mind. If the time comes when the policy holder needs treatment, this investment proves to be the most fruitful investment. Apollo Munich ensures that the cost includes a wide range of benefits that are offered to customers. The company also covers the pre- and post-hospitalization costs that are prevalent.

Get Insurance Quotes

2011-12-13T03:23:00.000-08:00

The basic health care service is the foremost need in case of any medical exigency. To make it easily accessible for people at large, the health insurance sector is playing an active role. Today every insurer has its existence on the internet. They make themselves available to people enabling them to get insurance quotes by just few minutes on the website of the company.

The well integrated websites of the insurers, direct the people through simple steps. It refines their research by making the process transparent. The person can get all the information about the products and can select the plan of his/ her choice. The websites allow the person to access the required information in just few clicks. Using the online links you can get insured without getting involved with the agents. It resolves the need of indulging in any meetings with agents.

Operating through the online portals, you can get hold of all the features and benefits that the various policies can offer you. In order to short list the best plan you can get insurance quotes free of cost. It will allow you to select the suitable plan for yourself. Thus you can avoid indulging in meeting with the agents and waiting for the quotes. The internet allows you to get connected to the insurer and get all the relevant information in just few minutes.

The provision of website link is a convenient and time effective source. The individual can avail the health plan at his/ her convenience. The health insurance takes the initiative to demystify the health insurance for people. By making the insurance policies readily available it makes the work simpler for people. Today you can simply access the website of the insurer and go through the details of the several policies.

The health insurance has become a need for every individual today. Varied health risks have increased the chances of falling ill. The high medical cost in the present world poses the financial challenge for majority of people in case of any medical care required. Even a minor illness can generate huge expenses and in case of major health ailment, the expenditure becomes unmanageable for many. It raises a critical situation at the time of emergency.

Health uncertainties can hamper the savings of anyone at any point in life. It has been observed that people are not able to afford the quality health care. Due to budget limitations they have to compromise with the quality or they end losing a major part of their savings. The ratio of uninsured is more than the insured which is a matter of concern.

Hence to increase the number of uninsured the health insurers are playing a crucial role. Their online existence allows people to get insured easily.

The technical advancements make it highly feasible for all to avail the health cover easily. The person need not search around for the agents. But he/ she can avail the health plan simply by sitting at home. The upgraded website of an insurer like Apollo Munich provides all relevant information to the client clearing away all the hassles. It is essential to get insurance quotes before you buy any health plan. It will help you finalize the plan after getting a clear idea about it. In addition other features like benefits, coverage limit and the related terms and conditions are to be considered as well. In order to avail the all the benefits of the plan it is important choose the right plan. So select a plan that can offer extended coverage in reasonable prices and enjoy the quality treatment without any financial strain.

Plethora of Options for Family Insurance in India

2011-10-19T04:56:00.000-07:00

People have to get the needed medical insurance to be able to deal with any kind of healthcare costs. Many people often wonder why there is a sudden emphasis on family insurance in India. The main reason for stress on the point is that, the cost of healthcare is on a constant rise and therefore people have to be able to get the needed treatment without any sort of problem. There are a number of people who cannot get treated because they do not have the financial ability to get the needed treatment. There are also many people who cannot get the treatment despite a health insurance policy because the plan does not cover the particular treatment. Health insurance has become an important aspect in today’s scenario and therefore everybody needs to go for it before he/she comes across any illness. Since, it does not matter whether an individual is working or not, whether he is at home or at work, anyone can fall ill and seek medical treatment. As the focus of people is diverting from just self insurance to their family members’ insurance, the market has become flooded with numerous options for family insurance in India.

However, with the number of options of family insurance in India, one has to be careful in selecting the plan. The policy wordings should be read thoroughly and clearly understood by the individual buying the plan. There are many people who do not understand the policy terms and conditions and then make a claim for something that is in the exclusions list. The policy should only be selected on the basis of the needs of the family. For instance, a new family would require coverage for new born babies and maternity expenses. Likewise, a policy for a family with teenage kids would not require any sort of medical insurance coverage for new born babies or maternity expenses. However, they are more likely to need outpatient coverage. And a family with dependent parents would require a plan with critical illness cover. Depending upon the requirements of various family members, the insurance plans offer a variety of options to choose from.

One should also think about the long term use of the policy. If a person buys a plan at the age of 44 and the plan lapses when he/she is 45, the policy is hardly worth it. Therefore, one should buy health insurance at an early age. It not only gives a mental satisfaction to the policy holder but it also ensure that in the need of the hour he/she and his/her family members will not have to compromise on the quality of health insurance they are availing because of the cost of treatment involved.

Family insurance in India is gaining momentum because it scores above individual insurance plans in many ways. As most people stay with their families, they used to share their expenses. Even if they don’t share expenses, they might be the prime earning members. As everybody is not employed in a family and cannot afford to buy an individual insurance plan, it is better to opt for family insurance plan. Also, the family plans offer a floater benefit under which all the members are covered under a single premium and the amount of sum insured can be used of a single member in case his/her individual plan’s sum insured falls short.

Apollo Munich provides plans that give the policy holder with the option of lifelong renewals. This means that the individual would be able to stay covered for life. Apollo Munich provides some of the most comprehensive plans for family insurance in India.

Healthcare Insurance—A Need for All

2011-09-30T04:11:00.000-07:00

Health is one of the valuable assets. It is said that good health is the best human blessings. A person can enjoy life, only if he/she is healthy. Good health helps a person to be active and vigorous. Hence, everybody tries to adopt a healthy lifestyle. Someone keep his/her body fit by practicing at gym. Someone prefers morning and/or evening walk and so on. All these are various preventive means to stay healthy.

But, if a person comes across any sudden mishap, he/she may require quality healthcare treatment. There is no doubt about the progress made by medical science. There is cure for every disorder in human’s body, but the mounting medical cost becomes the matter of concern. It is believed that medical cost is expected to show incredulous hike, and thus, will become difficult for the common man to pay for the same.

Looking into this new issue, various healthcare insurance providers have turned up to offer the required solution to eradicate inconveniences from quality medical treatment. An individual can buy healthcare insurance and can seek treatment in any registered hospital.

An insurer gives an insured the facility of cashless hospitalization for the treatment against covered peril in any network hospital and the facility of reimbursement for the treatment availed in non-network hospital. Besides it, there are many healthcare solutions that keep a person healthy.

Thus, healthcare insurance is becoming a need for all. Apollo Munich, a joint venture between the Apollo Group of hospitals and Munich Health, is a pure health insurance company that has brought many healthcare insurance plans. These are well designed, looking into healthcare needs of people. There are plans for people for all income groups. A person can choose the one, as per his/her needs and budget.

So, buy health insurance and enjoy life to a greater extent.

Medical Treatment Made Easy With Health Insurance Services

2011-09-30T01:45:00.000-07:00

Health insurance is a contract between a health insurance company and a policy holder, wherein which former promises to offer health or medical cover to later, who is required to pay a certain amount of money for the specific time period. Health Insurance in India is not a developed sector, as very less number of people in India is insured. Majority of people belong to a pool of uninsured individuals and thus, is not able to avail quality medical treatment using health insurance services in India.

When an individual falls ill, the biggest problem, besides difficulties, that he/she or his/her family has to face is not the treatment, but instead the treatment costs for the same. Medical science has cure for almost every disease. The updated technologies used in treatment of these diseases have made it so expensive that people could not afford them.

The only way to make medical treatment affordable and accessible is health insurance. There are many health insurance companies in India that are working with the aim to offer the best health insurance services so that Indian citizens do not fail to get quality healthcare solutions in times of emergency. These products and offerings

Apollo Munich, a joint venture between the Apollo Group of hospitals and Munich Health, has emerged to demystify health insurance so that people could understand the benefits of health cover and could buy the same. The company has a team of professionals that work to identify healthcare needs of people and then, design their products accordingly. It has brought several products—Easy Health, Easy Travel, Optima Cash, Maxima, Individual Personal Accident and Insure Health. Each of these products offers health insurance services to people at different situations of life, such that insured individual are not deprived of quality medical treatment.

So, buy health insurance and enjoy life to a greater extent.

Online Health Insurance: Quick and Safe

2011-09-13T01:24:00.000-07:00

The concept of online health insurance has surged mainly as a relief to people who want insurance but do not have any time to buy it. Mediclaim plans can be bought online without any hassles and can be renewed over the Internet thereafter. Using these policies is just the same as using a plan you would have bought through a broker. However, when a company provides online health insurance, there is usually a comprehensive website designed to assist customers and policy holders through every stage of insurance.

Whether you want to look for a policy, or buy a plan, or fetch a claim form, health insurance company websites have it all. Most insurance providers have a website that is designed to give the customers complete access to various policy documents—brochures, claim forms, policy wordings, charts, etc. There are also companies that provide the customer with the option of comparing medical insurance plans.

The online health insurance sale or renewal portal is generally a secure portal where the customer can fill the form and make the premium payment without worrying about the security of the information. The best way to make certain that the insurance websites are safe is by making sure that the gateway has been secured. A secure gateway would not save your credit card details (such as your CVV number or password).

With the security and convenience of time and place, it is no surprise that online health insurance is picking up pace quite fast. The concept has lead to a growth in the number of insurance companies that have online portals as well as the number of online insurance comparison websites. Apollo Munich Health Insurance also provides customers with a simple online premium calculator as well. The company has an interactive website that allows users to find anything they need to know about the insurance plans as well as picking the right insurance policy.

Health Insurance is a Must for Good Quality Healthcare

2011-09-08T05:09:00.000-07:00

When people have a good insurance policy, they tend to become relaxed about their healthcare needs. People know that they are going to need healthcare and assistance and therefore they plan well in advance for the same. One should always remember that they may eventually need to use the plan and therefore should be well-versed with the terms and conditions of the plans. Even the best health insurance policy is likely to have some limitation or exclusion.

There are some people who have a number of health insurance plans because they cannot figure out which is the right one to pick. However, this also means that these individuals would have an abundance of wealth and therefore are able to buy many plans. This is not the case with most people. There are very few people who have enough money to get even one policy. This is why picking the right plan is important. With healthcare costs constantly on a rise, it is no wonder that everyone, regardless of their financial status should have a mediclaim policy.

The benefits of various health insurance policies are different. While there are some insurance plans that provide cover for inpatient expenses, there are also others that provide protection for outpatient costs. A few health insurance policies protect individuals from additional healthcare expenses such as the costs incurred to keep a nurse or attendant, or any other expenses over and above the insurance cover. These plans are generally referred to as daily cash plans. There are also several plans designed to give people just a basic medical cover, in case they cannot afford a more extensive one.

Apollo Munich, one of the few stand-alone health insurance providers gives people complete protection from medical problems. In order to be able to get good healthcare, one must have a good health insurance plan.

You Need Health Insurance—Regardless of your Age

2011-09-08T01:30:00.000-07:00

There are a number of people who wonder when they would actually use a health insurance policy. A large number of people feel that serious ailments only strike aged people. But the facts are quite contrary. When even children who are less than 3 can suffer from some of the most complex ailments, then how can a teenager or a person in their early 30s presume that they are immune to any illness?
One should never presume that they are invulnerable to any ailment. This means that everyone, regardless of their age needs to have health insurance. The main aim of a health insurance plan is to ensure that a person can get treatment whenever needed. Parents have to make it a point to get their new born babies covered since day one. Although most insurance plans have a restriction of the entry age, one can still find plans that do not have such hurdles.

There are many health insurance plans that provide the policy holder with coverage from maternity expenses as well as cover for the new born child. However, while it is the responsibility of parents to ensure that babies are well covered, it is also the duty of adult children to ensure that their parents remain covered, regardless of age. This is possible if a person has a policy that can be renewed life-long.

Another group of people who need to keep a check on the fact that they are covered are people who can no longer remain dependants of another individual. This group mostly consists of young adults. Due to dependant age restrictions, one cannot stay protected by their parent/guardian’s policy after a certain age. These individuals tend to stay without any health insurance for quite a while thereafter. Apollo Munich ensures that there are plans designed for all the various age groups. With different benefits and cover amounts, it becomes relatively easy for the individual to pick a plan of their choice.

Don’t Take Corporate Health Insurance For Granted

2011-09-07T22:56:00.000-07:00

There are a lot of times when people use a corporate health insurance policy, but simply forgetting that it should not be taken for granted. When an employer provides medical coverage, it is only valid on condition that the person remains an employee. The flip side of this is that when the employee either leaves or gets fired from the job, they and their family would be left without any kind of medical coverage. The difficulty is that when a person has a policy, they do not understand how things would be different without the plan. The significance of the mediclaim policy is not understood by a lot of people, even after using the policy.

When an individual is admitted to hospital, and has a corporate health insurance policy to cope with the bills, the expense of the treatment is hardly felt by the insured patient. But, when the same person under the similar situations is hospitalized without a medical insurance policy, the pinch of the financial requirements is really felt. The expenses of healthcare are so high that people cannot afford them alone. Again the person would not understand the distinction between the corporate health insurance plan that the employer offers, and a personal health insurance plan.

The main difference is that the premium of a personal policy is paid by the policy holder while that of the corporate plan is paid by the employee. Even when the premium for corporate policies is charged from employees, the expenses are much less than personal policies. But, the efficiency of the policy is the same.

The ideal step to take is to have a corporate health insurance policy and the get a personal plan at the same time. Companies like Apollo Munich offer corporate plans and individual plans of a high quality. One can read the coverage offered and the exclusions of the plans on the company website.

Don’t Take Corporate Health Insurance For Granted

2011-08-31T05:06:00.000-07:00

When an individual is admitted to hospital, and has a corporate health insurance policy to cope with the bills, the expense of the treatment is hardly felt by the insured patient. But, when the same person under the similar situations is hospitalized without a medical insurance policy, the pinch of the financial requirements is really felt. The expenses of healthcare are so high that people cannot afford them alone. Again the person would not understand the distinction between the corporate health insurance plan that the employer offers, and a personal health insurance plan. The main difference is that the premium of a personal policy is paid by the policy holder while that of the corporate plan is paid by the employee. Even when the premium for corporate policies is charged from employees, the expenses are much less than personal policies. But, the efficiency of the policy is the same.

The ideal step to take is to have a corporate health insurance policy and the get a personal plan at the same time. Companies like Apollo Munich offer corporate plans and individual plans of a high quality. One can read the coverage offered and the exclusions of the plans on the company website.

The Best Mediclaim Policy: An Amalgamation

2011-08-31T04:13:00.000-07:00

When picking the best mediclaim policy one has to keep certain points in mind. The important thing is making sure that one is able to get the right kind of insurance plan without problems. The different health insurance plans are designed to give customers protection from a number of illnesses, but the benefits of each plan generally vary. This is where it becomes confusing for a person with no knowledge of medical care or insurance to pick the right plan.

When you stop and think about health insurance, there are bound to be certain medical expenses that come to your mind—pharmacy bills, hospital bills, the cost of a transplant, cost of blood, etc. All these are the different aspects of treatment. Even the best mediclaim policy may not cover all the benefits. One has to remember that while one benefit may prove extremely useful for one person, it might be complete redundant for another.

Choosing the best mediclaim policy requires that one analyze their personal needs first. There is no point in buying a medical insurance plan if it does not cover your requirements. The insurance benefits of any insurance plan are meant to give you protection from all kinds of healthcare costs. This means that the cover amount should be sufficient to handle these costs. However, most people forget that apart from the insurance benefits and cover amount, there is also a claim process that needs to be considered. Buying a policy from a company that is notorious for backing out of paying claims is worthless.

The best mediclaim policy for a person therefore becomes an amalgamation of all the factors—the coverage provided, the cover amount given and the services of the insurance provider. Apollo Munich provides customers with a range of products and services. The claim payment statistics of the company is available on the company website.

Health Insurance Plan: A Way Out to High Rising Medical Costs

2011-08-02T05:16:00.000-07:00

There is always some uncertainty associated with a life. An individual can meet an unforeseen event at any stage of his/her life. This event might bring health issues, which might require quality medical treatment. There can be no question saying about the progress of medical science. They are progressing at such a fast pace that they have solutions or cure for every health problem. If it is true, then why should a person fear for these health issues?

The problem is not medical treatment but the medical cost, which keeps many people away from quality medical treatment. The use of latest technologies has made it so expensive that it is not easily affordable. Thus, the only way lies with health insurance plan that offer financial coverage for medical exigency. They cover inpatient treatment, pre- and post-hospitalization treatment and several other benefits, depending upon the plan chosen.

High rising medical cost can only be financed through health insurance plan. Hence people should buy these products and should avail quality medical treatment, if and when required. There are plans that offer wide coverage, which includes a long list of day-care procedures, health check-ups, critical illness cover, spectacles, hearing aids, maternity benefits and several others.

One such plan that is believed to be the best and the most comprehensive plan is Maxima. It is India’s first 360 degree plan brought by Apollo Munich Health Insurance Company, a joint venture between the Apollo Group of hospitals and Munich Health. This plan brings along with it OPD voucher for experts’ consultations, pharmacy costs, diagnostic tests, etc. in addition to it, there are several more benefits, such as lifelong renewal, outpatient coverage for pre-existing diseases etc. that are provided by the company with Maxima.

So, buy health insurance and have a secured tomorrow.

Know more about family insurance plan

2011-07-15T02:35:00.000-07:00

It is too difficult to pay for the healthcare costs of a family; hence, many families turn to health insurance to avail help for their medical expenses. Though there are many people availing health cover from their employer but it is soon come to end as soon as they leave job, so, many healthcare consumers are striking out on their own.

Family insurance plans are designed to safeguard families from heavy financial encumbrance of rising medical costs. Searching a plan with maximum number of benefits and is still affordable requires thorough research into both health insurance provider and the plan offered. For families with healthy members, an affordable plan with preventive healthcare, such as immunization, can be the best choice.

There are many people who only look into the premium amount before making a final choice, but there are several other factors to consider while looking for the best plan. Some of the important points to ponder are deductibles, co-payments, out-of-pocket expense, waiting period, exclusions, benefits, features, coverage limits etc.

The best means to choose a plan is to list down the health needs of family members, and then choose family insurance plan accordingly. Try to search and compare plan online, as it will get your in touch with authentic information about the product and its complete details. The best family insurance plan that is believed to fulfill health needs of maximum people in India is Easy Health—Family insurance plan from Apollo Munich. The most important feature of this plan is that it comes in three variants—standard, premium and Exclusive, thus satisfying health needs of people of all income groups.

The plan is available with the feature of life-long renewal so the people who opt for it do not have to worry for their medical expenses for the entire life. Above all, it is affordable too.

Affordable Individual Health Insurance

2011-03-03T22:54:00.000-08:00

Today, people are looking for affordable health insurance solutions, so that they do not have to face any financial stress at the time of any emergency and at the same time, can be adjusted in shoe-string budget. One such affordable individual health insurance plan that fulfills both the conditions and is the choice of millions is Easy Health product from Apollo Munich, a joint venture between the Apollo Group of Hospitals and Munich Health.

The plan offers coverage with long list of benefits for its customers. It includes inpatient treatment, maternity expenses, day-care procedures, domiciliary treatment, health check-up, pre-and post-hospitalization coverage, emergency ambulance, etc. The plan also offers an optional critical illness cover for eight major diseases—cancer, paralysis, stroke, multiple sclerosis, first heart attack, renal failure, major organ transplantation and coronary artery surgery.

Along with the plan, comes the list of more than 4000 network hospitals, where an insured can avail the cashless hospitalization benefit. This feature gives him/her an access to the quality care, which is not easily affordable. The plan is devised to look after curative as well as preventive health needs of one and all of its customers.

Online Health Insurance Company

2011-01-02T23:04:00.000-08:00

There is much patience required in waiting for someone to come to talk about the product, one needs. This is what the job of agent is, but sitting next to him listening to various available plans is not so easy. It is must to understand each and every term and condition. But, now the scenario has been changed. Thanks to internet that has brought a revolution in the whole world. Now, an individual can get online health insurance plan, after the complete search, as per his/her convenience.

Today, every notable health insurers have brought this facility, making it easier for their customers to issue the policy in just few click of the mouse. This helps them in keeping themselves away from meeting with agents. An individual can issue online health insurance policy at any time of day or night, as per his/her convenience.

Apollo Munich, a joint venture between the Apollo Group of Hospitals and Munich Health, has also given this privilege to its customers to buy online health insurance and renew the same online. There are separate links of ‘Buy Online’ and ‘Online Renewal’, each of which directs an individual to their respective portals. It is a user-friendly tool that issues policy instantly.

Family Health Insurance - a protective cover

2011-01-02T22:52:00.000-08:00

There are many people who have health insurance from their employers and thus, they don’t feel the need of family health insurance. But, truly speaking it is always advisable to have family health insurance, besides the one offered by the company. There are several reasons for the same.

One of the biggest is that there is no pre-policy benefit that a person can avail with these group health insurance policies. Secondly, employer’s coverage ends up when a person leave his/her job. It is quite natural that by the time waiting period will elapse, a person will go ahead with a new job and will avail benefit under the different plan; this will keep him away from the benefits of the previous policy.

But, in family health insurance, one can get all these benefits on continuous renewal. Once waiting period is over, an insured can get coverage for all diseases. Thus, he/she would be able to enjoy the larger coverage.

Apollo Munich offers best-in-class family health insurance plan. Its Easy health plan is a wonderful plan that can be purchased at the rate of just few rupees per day. It offers complete coverage with a long list of benefits and facilities.

Everybody wants to have best health insurance

2011-01-02T22:48:00.000-08:00

Everybody wants to have best health insurance product. But what is the right way to decide, which product is the best?

It is said that the best health insurance is a plan fulfills most of the healthcare needs of a person. Everybody has its own healthcare needs. Hence, the plan that is best for one cannot be for the other, until and unless they have same healthcare needs.

It is advisable that a person should keep all his/her healthcare needs in mind at the time of selecting the best health insurance. One should shortlist plans that fulfill an individual’s needs, compare their quotes and then, look into the reputation of the provider. One can know about company’s reputation through market reviews and testimony.

Apollo Munich is one such provider in this field that has emerged with the aim to simplify health insurance and has gained much popularity in very short span of time of three years. It has brought several health insurance, accident insurance and travel insurance products to offer coverage to people’s health issues. Besides it, it is the first provider to bring the facility of lifelong renewal with health insurance products.

ApolloMunich -- a joint venture

2011-01-02T22:44:00.000-08:00

Nowadays, one can easily see there are many new players entering into the field of health insurance. Many of these are joint ventures between an Indian healthcare organization and a non-Indian Company. One of them is joint venture between the Apollo Group of Hospitals and Munich Health. Apollo Group of Hospitals is an extensive chain of hospitals, well known for providing the best healthcare services to their patients. On the other hand, Munich Health, new business segment of Munich Re, looks after healthcare insurance operations in Germany.

Apollo Munich, working under the supervision of both these partners, is trying its best to demystify health insurance for the people of India. The company promises its customers to take the fear out of faces, the jargon out of words, the bitter out of medicines, the confusion out of claim and the trouble out of treatment. To ensure that people stay away from complication, the company has well thought products with easy and simple policy wording. It also helps people to make right choice.

Apollo Munich ahs brought several health insurance, accident insurance and travel insurance products to offer coverage to people for health issues arising due to sickness, accident and traveling respectively.

Accident Insurance - everybody should buy

2011-01-02T22:21:00.000-08:00

Accident insurance policy is one of the products that everybody should buy in his/her life. These insurance products offer compensation amount, when an insured meets an accident. A person should not forget that an accident can change lifestyle to a great extent. It does not only affect the earning capability of a person, but also may also become a cause of financial stress, under which all family members suffer.

It is, therefore, advisable to buy accident insurance so that family members can stay away from financial issues that arise due to expensive medical treatment. These plans work on the principle of benefit. An insured gets lumpsum amount, which depends upon the extent of bodily injuries and the terms and conditions of the plan, for the injuries incurred due to accident.

Apollo Munich’s individual Personal Accident Insurance plan is the best-in-class product that is designed, keeping healthcare needs of people in mind. It offers wide coverage at reasonable rates. It pays for compensation amount in case of death and disablement of an insured, besides offering coverage to bodily injuries, as per the plan’s terms and conditions.

This plan is available in two variants—Standard and Premium. Premium variant offers wider cover as compared to standard variant.

Health Policy Online: in four simple steps

2010-12-09T00:00:00.000-08:00

Internet is growing speedily. It is a unique tool that has made every task, right form surfing, trading to communication, simpler and easier. Everything has been made uncomplicated with the advent of internet. Internet has also found its application in Health insurance sector that is one of the unprofitable sectors in India.

Today, every notable health insurance company has its online identification through website, which gives a person an access to genuine information. It has ‘Buy Online’ and ‘Online Renewal’ portal. A person can enter the “Buy Online’ link and use the premium calculator to know about the premium to be paid before buying health policy online.

There are abundant providers that issue health policy online without any hassle. One such company that is known for safe and secure transactions is Apollo Munich Health Insurance Company. A person can buy health policy online in just four simple steps— Select a plan, Create Proposal, Insure Details and Make a Payment. All these steps are simple and user-friendly, which helps a person to get medical policy without any hassles.

Besides it, the company has launched its online renewal feature to help a person renew its policy without any inconvenience.

Family healthcare insurance: how to end up paying less?

2010-12-08T23:57:00.000-08:00

A person might fall sick at any time of life. The biggest problem that a person faces at the time of medical expenses is paying for the treatment expenses. There is no doubt that medical treatment has been made so expensive that majority of people in India are deprived of quality healthcare because of affordability issue. At the same time, people should look into health insurance products that are designed to finance medical expenditure.

Thus, there is need to educate people about the benefits of family healthcare insurance so that they can get an access to quality medical care. This will help them in paying medical expenses. Family healthcare insurance are the plans designed to offer health coverage to health needs of all family members, which may include an insured, spouse, dependent children and dependent parents.

It is not recommended to include parents in family plans because the premium is charged according to the higher aged person and so, an individual might end up paying for the more premium amount, as it increases risk factor.

Apollo Munich’s Easy Health plan is the most sought after family healthcare insurance plan, available with affordable premium.

Buy Insurance Online: user-friendly, easy and straightforward

2010-12-08T23:55:00.000-08:00

Internet has brought a great change in human’s life since last decade. It is finding place in almost every sphere of life. It has made everything easy for people. This means well suits hectic schedule followed by an individual. Internet has also penetrated into health insurance sector, thus helping people to buy insurance online. Today, almost every notable health insurance provider has established the link of ‘Buy Insurance Online’ on their website, which gives an individual an access to buy the plan.

Buy insurance online is a feature that issue policy instantly to an applicant. The most important beneficial point of using this means of policy issuance is that it can be operated with convenience, either during a day or a night time. There is no need to call or wait for agents to issue a policy or create proposals for the same.

Looking into the changing market dynamics, Apollo Munich has also introduced the features of ‘Buy Insurance Online’ and ‘Instant online’ so that its customers can issue policy online and can get their plan renewed online. Both its features are user-friendly, easy and straightforward. An individual can buy or renew the plan in just few click of the mouse.

Best Health Insurance: the choice of all

2010-12-08T23:22:00.000-08:00

There is no doubt that people fall sick now and then. One of the major issues faced by people at the time of medical emergency is the affordability of medical costs. Medical treatment cost is increasing so speedily that it is becoming difficult for people to afford the same. Looking into the solution to this problem, health insurance offers coverage to people so that medical treatment can be made affordable and accessible.

There are countless health insurance products available in market but everyone wants to have the best health insurance so that he/she can take the maximum benefits of his/her investment. A person who wants to have the best health insurance plan should make the list of healthcare needs, shortlist the plans that fulfill them, compare the quote and then buy the one that appears to be the best.

A person should not forget to compare health insurance quotes of the plans on the basis of the various parameters, like premium, coverage limits, deductibles, copayments, exclusions etc. Last but not the least is the reputation of health insurance provider. It is always better to buy from a reputed health insurer, such as, Apollo Munich, in order to enjoy the maximum benefits.

Family Insurance

2010-09-15T00:26:00.000-07:00

Family insurance plans are designed to offer cover to all family members, which may include an insured, spouse, dependent parents and dependent children. A person should always buy family health insurance, as expensive medical treatment is one such problem that brings financial stress over the family and this problem can be avoided using family health insurance.

Apollo Munich offers family insurance through its Easy Health and Maxima that are well designed, looking into healthcare needs of all family members. Easy Health offers wide coverage at reasonable rates. It fulfills healthcare needs of people of all income groups, whereas Maxima is a comprehensive plan that is designed for high income group people.

Maxima has several unique features. It offers cover to outpatient consultation with General Practitioner or Specialists, pharmacy, diagnostic tests, outpatient dental treatment and also gives entitlement certificate for annual health check-up.

The company has also brought Easy Health plan with portability feature, thus giving other people an access to switch from their health insurance products to Apollo Munich’s product along with accrued benefits. So, if you are not satisfied with your insurer’s service, get shifted to Apollo Munich. They offer the best services and products.

So, buy family health insurance and make medical treatment easy.

Medical Insurance Plans

2010-07-22T01:03:00.000-07:00

There are many medical insurance plans available in the country today. The mode for buying these plans may vary and so could their benefits. But the ultimate aim of these plans is to provide customers with comprehensive coverage at times when they need medical treatment. Each insurance provider therefore tries to provide the most options for customers and individuals when it comes to health insurance and services attached therewith.

The problem is that even thought medical insurance plans are gaining popularity; the rate at which this is happening is still slow. People are generally content with the group plan that is provided from the company. However, it is important that people should get personal plans as well. This awareness would go up as and when people realize the difference in the two kinds of insurance. Another factor that would affect the awareness is the fact that the people who are healthy should realize that there is no point in getting the plan after they fall ill. Medical insurance plans should be bought before the person falls ill so that all waiting periods can be done away with ease. Apollo Munich provides clear policy wordings which would help the customer get the needed treatment with ease.

Accident Insurance India

2010-07-19T22:12:00.000-07:00

When a person feels that life has nothing worse to offer, they should try and picture a time when they face an accident and do not have the needed finances to get the right treatment. There are many factors that affect an individual when they encounter such situations. Once a person has an accident, the cost of treatment is added to the household expenses. The realization of such costs has lead to the growth and expansion of accident insurance in India. There are many plans that are provided which are designed to enable customers to take on the cost incurred by insured people when they face an accident.

There are many other factors that affect the individual at such times. If a person becomes invalid at the time of an accident, he or she would need money to modify the house, car and other such things to be able to lead a regular life again. Some accident insurance plans in India provide coverage for these costs too. Apollo Munich Health Insurance for instance, combines these in their accident insurance plan. The Personal Accident Plan covers modification of residence and/or vehicle if the company has accepted the permanent total disability claim.

Personal Health Insurance

2010-07-19T22:10:00.000-07:00

You work hard for the money that you earn. There are times when you can spend the money the way you want to. There are also times when you can plan and money so that family members are able to get the best that life has to offer. But the problem is that there many times when a person needs treatment and cannot get the same due to lack of money. This is when it really affects the family budget. Not many people are able to earn enough that they can give their family money to blow up as well as money to save. The problem is that when a person is in need of treatment, the individual has to spend money. There is the option of using personal health insurance to pay for the treatment, but the problem is that people are not aware of such plans.

There are not many people who have the ability to get the needed treatment without undergoing some form of financial stress. The amount you could have saved can be spent on some other joys of life. Companies like Apollo Munich provide personal health insurance plans and several value-added services along with the same.

Apollo Munich - Personal Accident Policy

2010-07-19T04:50:00.000-07:00

When one meets with an accident, there are more than just healthcare costs that need to be accounted for. A family is put under a lot of financial strain when any member meets with an accident. A personal accident policy would provide coverage for the individual in such times of distress. These plans do not just provide financial protection; they also provide customers with lump sum amounts to take care of the daily costs that are met. There are a number of benefits that are provided along with these plans.

A personal accident policy covers a person under the following conditions:

• Accidental Death (AD)
• Permanent Total Disability (PTD)
• Permanent Partial Disability (PPD)
• Temporary Total Disability (TTD)

These plans generally provide customers with lump sum amounts after most of the above cases. The provision of any benefit in any insurance policy depends greatly on the terms and conditions of the coverage provided.

There are some insurance policies that also provide cover for the family’s transportation in the event of Accidental Death (AD) or Permanent Total Disability (PTD)
Sometimes even the cost of emergency ambulance cover is provided. Apollo Munich provides customers with an accident policy that covers all these benefits.

Quality Health Insurance

2010-07-15T03:10:00.000-07:00

When one needs medical attention, the cost of the treatment often crosses the individual’s mind. There are many people who are involved in their daily life and forget about the fact that when a medical problem arises, there could be a heavy blow to the family income. There are few people who are aware of medical insurance. It is essential to buy a quality health insurance plan that would enable you to get the needed treatment and at the same time protect the financial interest of the family. However, while buying the plan try and ensure that it suits all the medical care requirements of an individual.

There are many insurance plans that cover certain aspects of a medical treatment but not the entire treatment itself. One of the main factors is that of covering the cost of ICU, Operation Theater, Blood, ambulance, etc. Any good quality health insurance plan should provide ample coverage for all these steps in the treatment. There are always certain illnesses that are not covered by mediclaim plans. One should know these. Apollo Munich Health Insurance offers good quality health insurance plans that are designed to give customers an edge over all the medical problems faced.

Easy Health Insurance

2010-07-15T02:39:00.000-07:00

There are many health insurance plans that are available in the country. One of the most important points about these plans is that they should be simple and easily understood. The limitations, exclusions, waiting periods, and all other such factors should be easily understood by individuals using the plan. This would reduce the confusion and the misconceptions faced by individuals at the end of the day. There should be a clear understanding of the kind of plans that are present and the kind of problems likely to be faced by the individual. A good understanding of both can enable one to get the right health insurance policy. One of the best health insurance plans is the Easy Health Insurance Policy from Apollo Munich Health Insurance.

The plan has been made to cover many aspects of healthcare. The premium variant of the policy also covers the policy holder’s needs for certain outpatient care. There are also many other aspects of this Easy Health Insurance Plan. This variant also covers certain maternity benefits for the individual.

Any health insurance plans should be simple. The Apollo Munich plans (all of them) have simple policy wordings and you can read them on the company website.

Individual Travel Insurance Plan

2010-07-15T02:37:00.000-07:00

When an individual travels out of the country, there are number of problems that he/she can face. Each of these problems has a very simple solution. One only needs to get the needed coverage so that there is no financial problem that one undergoes due to the difficulties faced while traveling. An individual travel insurance plan is designed such that all the travel-related problems of an individual are taken care of. There are many insurance plans that are designed to cover only a certain part of the trip. However, it is best to buy an insurance plan that actually covers all the travel related problems that are faced by an individual.

There are many individual travel insurance plans that provide coverage to individuals only for medical problems. Then there are also plans the offer coverage to people for only airline problems. A good individual travel insurance plan would cover all the medical and non-medical problems that are faced on the trip. So whether it is a trip cancellation, flight cancellation, or any medical emergency in the new place, a comprehensive travel insurance plan would cover it all. Apollo Munich provides the best possible travel insurance solutions to individuals and families. Each of their plans has several value-added services alongside to give customers assistance whenever they are faced with any problems.

Group Accidental Insurance

2010-07-15T02:35:00.000-07:00

When you are working in the office, how many times does the security of your family cross your mind? How many times do you stop your work and think about the financial strength you would need to cope with any distress in the family? There are countless times when a person does not have any clues about the kind of money he/she would after an accident. There are the costs of treatment as well as the daily household expenses that one has to take care of. This makes it difficult to give an estimate about the kind of work that is required. Realizing that this worry brings down employee efficiency, there are many employers who provide employees with group accidental insurance plans.

These are insurance policies that are specifically designed to help assist a person and his/her family after an accident. There are many times when the individual has to face problems regarding health insurance premiums. Sometimes people do not even have the monetary ability to buy an accident insurance policy for themselves. This is why a group accidental insurance policy is important. The premium of the policy is either paid by the employer or at a subsidized rate by the employee. Apollo Munich offers comprehensive accident insurance plans for all individuals.

Corporate Insurance in India

2010-07-15T02:32:00.000-07:00

There are many people who have insurance from their employers. These are plans that have been designed to give customers the best kind of healthcare that is available. When an employee has fewer things to be worried about, their efficiency automatically goes up. This fact has been scientifically proven. When a person is mentally stress-free, the productivity goes up a lot more. This is one of the reasons why the concept of corporate insurance in India has gone up. The concept was earlier only popular among those who worked in international companies or MNCs. Many Indian companies too have started providing this benefit to their employees after realizing the benefits.

Corporate insurance in India is available in many forms. One can get health insurance, accident insurance, travel insurance, etc. The premium for all these plans is covered by the employer. There are some companies that provide such plans after charging the premium from the employee, but even these are subsidized. The whole plan therefore works out to be much cheaper than a personal plan. Apollo Munich Health Insurance offers comprehensive corporate insurance plans in India. The company provides a large number of mediclaim policies that cover diverse needs of an employee.

Corporate Insurance Company

2010-07-15T02:29:00.000-07:00

In India, there are many companies that provide insurance. Some of them provide only life insurance whereas some provide general insurance. There are also certain stand-alone health insurance providers. There are many insurance companies that provide people with plans for personal use. Certain insurance providers act as corporate insurance companies. They provide a vast range of plans for corporate employees. The only problem with a corporate insurance policy is that the plan is only valid as long as you remain on the rolls of the company. This means that if for some reason you have to leave your job, then you are going to be left to fend for yourself when it comes to the coverage of the insurance plan.

There are also personal plans that can be bought. Some corporate insurance companies also provide personal plans to customers. The benefit of the personal plan is that even though it is more costly, there is no limit on the duration of coverage. There is no chance of the plan being invalid. Apollo Munich provides individuals with both personal and corporate health insurance plans. There are many value-added services which are offered to corporate individuals with the policies. Apollo Munich has the aim of providing simple plans that can be used at any time.

Travelling Insurance India

2010-07-15T02:26:00.000-07:00

When a person travels they have the advantage of getting to see new places and learn about new lifestyles. However, with each place come new problems. The cost of living overseas is much higher than that in India. This makes it difficult for people to be able to judge the amount that would be needed to get the needed medical attention in the new place. Traveling insurance India is a new industry. There are many people who have just started realizing the importance of the plan while traveling. Until now most people only bought a travel insurance policy if it was made compulsory by the country where the individual was traveling.

However, with time this concept is changing and more people have realized that even if the destination country does not make travel insurance compulsory, it is important to have the same. There are many benefits that traveling insurance in India offers its customers. Each of these plans is designed to give customers the ability to deal with all kinds of travel problems without any worries.

Apollo Munich offers travel insurance plans that enable customers to deal with travel problems easily. There are many extra benefits with their plans such as a 24/7 travel helpline for customers to call whenever they face problems.

Personal Accidental Insurance

2010-07-15T02:23:00.000-07:00

There are many people who can provide you with ‘predictions’ about the future. But how many of them can accurately tell you what is going to go wrong, and the means by which you can prevent it? A simple thing like crossing the road can cause an accident; even though people may look right and left before crossing it.

A personal accidental insurance plan just helps you in staying ready for the unforeseen problems that are faced by an individual. The main aim of the policy is to make sure that people have a means of getting the treatment needed without any hassles. These plans also give many extra benefits other than medical coverage. An accident insurance plan also covers an individual for certain household costs that are met after an insured individual meets with an accident.

Having a personal accidental insurance gives you the freedom of making better use of the money you would have saved for the same purpose. There are many employers too who give their employees accident insurance coverage to enable them to get the needed medical treatment without any problems. Apollo Munich for example provides customers with plans that are designed to offer cover for all kinds of medical problems that occur after an accident.

Medical Insurance in India

2010-07-15T02:21:00.000-07:00

In a country where a majority of the population is below the poverty line, there are few people who have the financial capability of availing medical care when needed. The problem is that while most people ‘make-do’ with treatments of inferior quality, there are few people who actually get the needed quality of treatment without any kind of fiscal problem. There are a large number of health insurance companies that provide customers with individual, family and group insurance plans. Medical insurance in India has just begun to grow. The main aim of the industry is to give people the chance of getting the best quality treatment that is available in the country.

The concept of medical insurance in India has started growing, mainly due to the efforts of the governments and the insurance companies. There are a large number of insurance companies that have entered the market and the competition is getting tougher. There are stand-alone health insurance providers as well as general insurance providers who have entered this market. Apollo Munich Health Insurance is one such stand-alone health insurance company. They offer customers a large number of medical insurance plans. Apollo Munich aims at uncomplicating medical insurance in India.

Family Insurance in India

2010-07-15T02:18:00.000-07:00

When anyone in the family falls ill, it is important for other members to provide the needed medical care. However, with the high cost of medical assistance, people seldom are able to do what they would like to. Medical science has advanced tremendously. But the cost has made sure that not everyone can avail the benefits of the same. The concept of family insurance in India is still new.

There are hardly a few families in the country that would be covered by insurance currently. This is due to two reasons. The first being the fact that not many people are aware of family insurance in India. This is being changed slowly. The governments as well as private health insurance providers are aimed at providing comprehensive plans to enable people to get the treatment needed. They are using mass media to spread awareness about the benefits of a health insurance policy. The second hindrance in the growth of family insurance in India is the fact that many people think of health insurance as a waste of investment. One can avail tax benefits along with their health insurance plans that they buy. Apollo Munich offers extensive family plans. All of these policies provide tax benefits to the individual paying the premium.

Medical Insurance Coverage

2010-07-14T03:24:00.000-07:00

When you are not well, you simply visit the doctor, take a prescription, get the medicines needed, and then pay the bill and walk out. After a while when planning the next month’s family budget, you take into account the cost of the doctor and any additional expenses. Some may even think of investing in a medical insurance coverage plan, but then wonder whether it is worth it.

This is the trend in most families. The question is, that is the individual does not have a minor problem, and instead has some major medical problem, then the cost of that bill would have twice or thrice the amount paid for. The medical insurance coverage plan would simply make sure that you have no problem in getting the treatment despite the high cost. There are several times when the insurance plan that is bought by a person offers a cover amount and benefits that take care of all the family needs. However, for this purpose the plan needs to be selected carefully.

There are medical insurance coverage plans like, Apollo Munich’s Maxima, that are designed to provide adequate protection to individuals for both inpatient and outpatient problems. The plan also covers pre- and post-hospitalization procedures.

Health Coverage

2010-06-16T22:33:00.000-07:00

People have the means of staying healthy but not the financial capacity of availing treatment when health fails them. This is where they feel the need for good health coverage. People who invest in health insurance do so mostly to save tax. Thereafter, when they need to use the plan, they complain that the plan does not provide ample coverage. However, the fact is that insurance policies vary from one another. It is hence necessary to read the policy document carefully before buying the plan.

Most health insurance plans offer health coverage for numerous inpatient treatments. While this is essential, it is also important that people understand that inpatient treatment consists of many aspects—hospitalization cost, ICU/operation theater charges, cost of blood, medical equipments, medicines, etc. The policy should cover them all.

There are medical insurance plans that cover outpatient benefits alongside the inpatient plan. Outpatient treatment is treatment that does not need hospitalization for example spectacles, dental treatments, etc. These are plans that provide all-round health coverage to the individual. Apollo Munich offers plans that cover inpatient and outpatient treatment. While Easy Health and Insure Health cover only inpatient and day-care procedure, Maxima covers both inpatient and outpatient treatment.

Purchase Health Insurance

2010-06-08T04:36:00.000-07:00

When people wish to purchase health insurance, the first thing that comes to mind is the cost of an insurance policy. People have to be careful while selecting an insurance policy. The aim of a mediclaim plan is to make sure that people do not have to bend-over backwards to pay for treatment that is needed. It is therefore important that one thinks deep before buying an insurance policy. The plan should cover all aspects of healthcare and treatment. Not only should the plan cover the medical requirements of the family or individual, but it should also provide ample financial protection to the individual.

A Health insurance plan should cover an individual for all medical problems either that he/she has already undergone or for problems that he/she is likely to face due to family medical history. Most medical insurance plans do keep a waiting period for pre-existing conditions however, people should ideally purchase health insurance plans regardless of how long the waiting period is. Also while purchasing the policy, one should ensure that he/she is aware of all the policy wordings—especially the inclusions and exclusions. Companies like Apollo Munich have all their policy wordings on their website. This enables customers to choose the policy after knowing and understanding all the benefits of the plan.

Personal Accident Insurance

2010-05-26T04:53:00.000-07:00

Life is unpredictable, and rightly so. There would be no fun in life if one knew each and every event that was to take place. However, the flip side is that there are also a number of misfortunes that can occur when people least expect it. When a person has an accident, there are a number of things that need to be addressed. At such times, one often feels that it would have been so much easier if only he/she could predict life and stay ready for such events. Although it is not possible to predict such events, it is possible to stay prepared for them. This is the precise reason for the development of personal accident insurance plans. These plans are specifically designed to enable the insured and his /her family in facing such terrible incidents.

Personal accident insurance plans are meant to take care of mishaps financially. They are designed to give the insured the required time to return to normalcy and stabilize his/her life after such instances. The plan from Apollo Munich enables customers to avail benefits such as lump sum payment to the family after death of the insured, educational funds for the dependent child of the insured, and many other such benefits.

Health Insurance India

2010-02-10T03:39:00.000-08:00

Just a week ago, I realized the importance of my health in my life and the very next day, I started looking for a reputable Health Insurance Company in India. I started talking to my friends with the objective of knowing the best health Insurance plan, where I could invest and can get the required health cover with maximum number of benefits.

One of my friend suggested me to buy a health plan from Apollo Munich Heath Insurance Company, as he himself was one of their clients and was very much satisfied with their services. He told me about their Easy Health- Exclusive plan for Individual. I searched for it online in order to know more about the product.

I purchased the same plan, as it fulfilled all my health needs. I used their buy online feature in buying the policy and was amazed at their quick services, which includes immediate customer care response, easy buying in just four simple steps, powerful payment gateway and ultimate convenience.

Their value-added services are intelligently designed. Their throw light on the preventive means, which I suppose is better than curative means, as prevention is better than cure.

When do I have to take a medical check-up? What is the period for the medical check-up i.e., from the start date of the policy?

2010-01-27T01:57:00.000-08:00

All Insurance Companies have their rules for medical check-up. Apollo Munich puts three conditions before an individual to undergo medical check-up. These are:-
If the sum assured is more than 5 Lakh
If you opt for Critical Illness Cover
If an insured is above the age of 45 years.

The medical check-up done at the time of policy issuance is valid for three years, if the policy is renewed every year in continuation and the sum assured remains same.

In the event of claim being already made, if I want to renew my policy for the second year, do I have to undergo medical check up again?

2010-01-27T01:45:00.000-08:00

Apollo Munich promises to offer you hassle-free service and hence, it keeps you away from almost all health insurance-related hassles. Thus, there is no need of medical checkup again. Once done, it is valid for three years.

The claim made does not have any effect on policy renewal.

Hence, if you have raised a claim in first year since the policy commenced, you can renew it for the coming year without medical checkup or any change in your premium.

What is a Third Party Administrator (TPA)?

2010-01-27T01:44:00.000-08:00

A Third Party Administrator (TPA) is an individual or an organization, which helps in processing of the insurance claims. These organizations or people are 'outsourced'. They take care of almost all works related to administration of reimbursement process and other services offered to the clients by the policy. A TPA works on behalf of Apollo Munich.

TPA is said to be the link between the Company and its clients.

What is the procedure to be followed for a claim?

2010-01-27T01:42:00.000-08:00

Apollo Munich has a customer-friendly but extremely professional claim process. They have a toll free help line where an individual can call and ask for assistance.

You will need to provide details about the incident due to which the reimbursement is required.

He/She needs to get his/her claim registered on call. An insured will get the registration number of his claim. Now, he/she needs to download the claim form from the site and send a duly filled form attached with the required document to the address mentioned on it.

Apollo Munich will start processing your claim as per its norms and would settle it within the specified number of days.

Apollo Munich Health Insurance Company

Would I have to fill the form again at the time of policy renewal?

2010-01-27T01:40:00.000-08:00

No, there is no need of filling the form again at the time of policy renewal unless and until there are any changes to be made.

If there is any change in the name, address, contact details or any other information, a client needs to fill the 'Request Change' Form and in case of addition or deletion of any member, he/she needs to fill a 'Proposal' Form. The required changes will be made in the plan accordingly, in the specified number of days, as per the company's policies.

You can also increase the amount of sum assured at the time of policy renewal.

When do I have to take a medical check-up? What is the period for the medical check-up i.e., from the start date of the policy?

2010-01-27T01:36:00.000-08:00

All Insurance Companies have their rules for medical check-up. Apollo Munich puts three conditions before an individual to undergo medical check-up. These are:-

If the sum assured is more than 5 Lakh

If you opt for Critical Illness Cover

If an insured is above the age of 45 years.

The medical check-up done at the time of policy issuance is valid for three years, if the policy is renewed every year in continuation and the sum assured remains same.

What should I do If I want to insure more than 2 adults or 2 children?

2010-01-27T01:26:00.000-08:00

A Family Floater Plan insures maximum of 2 adults and 4 children. So, if you want to have health cover for more than 2 adults, you can buy an individual plan for them. Four children are covered under Apollo Munich Easy Health Family Plan. In case of more than 4 children, you can buy a separate Health insurance Plan for them.

So, you need to plan your Family Health Insurance accordingly, so that all members get protected under health cover.

What should be done when one wishes to claim?

2010-01-27T01:23:00.000-08:00

In times of emergency, the prime advantage of a mediclaim policy is that you can simply show the Apollo Munich Health Card in the network hospital at the time of hospitalization and avail the treatment required (as per the terms and conditions of the policy). It reduces the need to think twice about making use of any medical procedures.

When you wish to claim reimbursement using a policy, you need not drive yourself up the wall looking for somebody to help you! Just follow the steps below to claim reimbursement from Apollo Munich. Preferably contact the company or the TPA as soon as a need for the claim arises.

Contact Apollo Munich Health Insurance Company or the TPA (the toll-free number would be mentioned on the back of the health card issued with the policy).

Tell them all the details about the incident, including the doctor’s prescription (if any) and every other small detail related to the emergency (ambulance transportation, hospital name, expected duration of recovery, etc.)

You will need to present several documents in order to claim the reimbursement. These include the discharge summary, claim forms, original bills, a photocopy of the Apollo Munich Health Card and other documents as per the requirements of the selected policy. Apollo Munich's telephonic assistance or online assistance would be able to guide you through all the forms and 'proof of claim' required in order for the claim to be passed quickly and smoothly.

Once all the forms are duly filled and submitted at the Third-Party-Administrator (TPA), Apollo Munich will reimburse your money in specified number of working days in accordance to the terms and conditions of the policy opted for.

What is Family Floater Plan?

2010-01-27T01:18:00.000-08:00

A Family Floater Plan is a Health or Medical Insurance Plan that provides coverage to healthcare needs of all family members, which can include an insured, his/her spouse, his/her dependent parents and his/her dependent children.

Apollo Munich's Family Plans have been designed, looking into the curative and preventive needs of a family. These plans have several added facilities, which can be availed by an insured and his family. The coverage limit depends upon the following:-

Policy wording of the company.

Premium paid.

Variant opted, if any.

Apollo Munich Health Insurance Company

What is the need of health insurance?

2010-01-27T01:16:00.000-08:00

The increasing number of disease, escalating medical costs and changing life style have made it necessary for all individuals to get a health insurance cover for himself/herself and for his/her family. At any time of your life, you or any of your family members may become a victim of serious illness or an accident, which may cause a financial drain on you. Thus, in order to protect you financially during such situations, it is a must to have a health cover.

Health Insurance Plans give you coverage against the following:-

expensive doctor's visit
spiraling medical costs
medical care and checkup requirement
hospitalization and treatment possibility

Moreover, when you are protected, you can avail quality treatment in the network hospitals. So, in order to have financial security and quality treatment, get Apollo Munich Health Insurance Policy for yourself and for your family.

What is Pre-authorization?

2010-01-27T01:14:00.000-08:00

Pre-authorization is the process used by Apollo Munich Health Insurance Company to review the proposed treatment and find out if the treatment is medically necessary or not. Pre-authorization is not a guarantee of benefits. It is just to check if the proposed procedure is medically necessary.

Pre-authorization is required if you avail treatment in any network hospital. In case of treatment in any non-network hospital, you will be at greater financial risks as the benefits payable might be reduced or the expenses would not be covered at all.

What is healthcare insurance card?

2010-01-27T01:10:00.001-08:00

Healthcare insurance card is designed by Apollo Munich and issued to policyholders as a portable policy proof. It carries the basic information of the policyholder—his/her name, ID number, birth date, month and year of policy issue and expiry, the plan opted, etc. In addition, it also holds contact numbers of the TPA. You can call these numbers for queries, clarification and any other type of assistance.

The card helps you avail the facility of cashless hospitalization in network of hospitals. It helps you to undergo treatment, up to the sum assured, in any of the network hospitals and walk out without paying for any medical expenses. You only require calling TPA on the mentioned helpline number and taking the authorization. In this case, your entire expenses will be paid directly by the company.

What if I also have or intend to buy a medical policy of any other insurance company?

2010-01-27T01:06:00.000-08:00

Yes, its absolutely a client's call. You can buy a policy from any other company, even if you have one from Apollo Munich and vice versa. But, you need to intimate the same to us and to the other concerned company.

Apollo Munich also gives you a 'Portability' offer, using which you can shift from some other Health Insurance Company to ours along with their accrued benefits.

What are the various options for payment of premium?

2010-01-27T01:04:00.000-08:00

At Apollo Munich, the premium of the policy needs to be paid while buying the same. The mode of payment depends on the means of purchase of a product. The premium amount of Apollo Munich Health Insurances plans that have been bought online can be paid using credit cards, debit cards and cheques. Most popular credit cards accepted are VISA, MasterCard and American Express. ). If you purchase the policy through an agent or directly from the company, the mode of payment could be cheque, cash, and credit card.

At the time of renewal, you need to pay the premium amount through cheque, cash or credit card. An insured does not get any tax benefit under section 80(D) of the Income Tax Act.

Apollo Munich Health Insurance Company

What are the benefits of Healthcare Insurance Card?

2010-01-27T01:01:00.000-08:00

The Healthcare Insurance Card acts as a portable policy proof for the insured. It contains the basic information regarding the person's identity, birth date, policy issue expiry date, etc.

Another benefit of the Healthcare Insurance Card is that it helps you to undergo treatment in network hospitals on a cashless basis. You do not have to worry about the arrangement of funds in times of exigency.

Thirdly, it confirms your eligibility to avail the benefits of the plan.

Hence, it is advisable to carry the Apollo Munich Health Card with you at all times.

What are network and non-network hospitals?

2010-01-27T01:00:00.000-08:00

Network Hospitals—It is a group of Physician, Medical Service Providers, and hospitals that Apollo Munich Health Insurance Company has formed a contract with, in order to deliver good quality medical services to its members.
There is a list of network hospitals on the Company's website so that the insured can avail cashless treatment in these hospitals, when required.

Non-network Hospitals—Registered hospitals, other than network Hospitals come under Non-network Hospitals. The treatment undergone in these hospitals are not on a cashless basis. But, instead a reimbursement claim of the expenses incurred can be raised against the bills paid.

To file a claim successfully, what documents do I need?

2010-01-27T00:50:00.000-08:00

Submitting all the required documents on time is crucial for non-rejection of the claim. Some of the common documents required for filling any claim at Apollo Munich are:

1.A signed and filled Claim Form.

2.A photocopy of the policy opted for (a copy of the Health Card may work in some cases).

3.Doctors prescriptions, bills and other hospitalization records.

4.Discharge summary

5.Original Bills

6.Proof of Id, age, etc. and any other documents that may be required according to the terms and conditions of the company and the policy.

But these requirements change depending on the company and the product you opt.

How do I select the appropriate cover amount?

2010-01-27T00:48:00.000-08:00

Apollo Munich offers you various plans and variants, from which you can choose a plan that best suits your needs. All these plans are available with a wide coverage options.

Your appropriate cover amount depends upon the following factors:-

Your Age—Health risk increases with age. Hence, your age plays a major role in deciding the amount of insurance coverage, you require.

Your financial stability and life style—Give thought to your life style and financial stability before finalizing your plan. A healthier lifestyle determines a smaller risk factor and thus a smaller coverage.

Pre-Existing Disease—If you are suffering from any pre-existing disease, you are more prone to health risks and hence, require more coverage amount. The coverage of such illnesses are subject to the terms and conditions of the plan opted for.

Does the policy come into effect immediately after it is approved?

2010-01-27T00:45:00.000-08:00

Yes, a policy issued by Apollo Munich comes into effect as soon as the policy has been approved by the company. However, any pre-existing disease is not covered for a minimum period of 3 years and dependent children are covered from the 91st day onwards, only if both parents are covered under the same- policy. Each policy coverage is subject to the rules and regulations laid down by the company.

Apollo Munich Health Insurance Company

Can I avail medical or premium reimbursements if my policy is rejected?

2010-01-27T00:44:00.000-08:00

If any Apollo Munich policy is rejected, you cannot avail any of the medical reimbursements promised to you in the same, as the policy is still not issued, hence, you cannot avail benefits. However, you will be reimbursed the premium that you paid at the time of buying the policy, in case of online issuance. Apollo Munich basically refunds the premium amount in accordance to the Company’s rules and regulations.

Tele- marketing policy issuance procedure

2010-01-26T23:14:00.000-08:00

Apollo Munich Heath Insurance Company has worked a lot in designing different ways to issue policy to the Indian citizens. The Company lays emphasis on the customer's comfort and convenience. Looking into this aspect, there are very simple and easy policy issuance procedures that are within reach of every individual.

Apollo Munich's plan can be purchased either by tele-marketing or through online. Tele-marketing methods include-
SMS helpline-- The Company's website contain the list of numbers and the letters to be typed in the definite format, which has proved to be the easiest way to get the policy. Just SMS us and we will look into your needs and shall revert you the same.
Contact Us-- You can visit the 'Contact Us' page and can fill the required formalities. The Company's representative will call you and shall guide you for the same.
Toll-free Number-- The Company's toll-free number is stated on-*- the home page of its website. You can call at the number and get the required assistance.

In all the above three modes, the agent will visit you to collect the document and fulfill other formalities.

Disability Insurance

2010-01-26T23:11:00.000-08:00

Disability Insurance is an insurance that insures the beneficiary against the risk arising from a disability, caused due to an unexpected event. It may be short- term disability insurance or long-term disability insurance, depending upon the extent of injuries incurred.

Disability Insurance is said to be a part of the Accident Insurance. The amount of compensation to be made depends upon the terms and conditions of the plan opted. Different Health Insurance Companies offer different percentage of the sum assured as disability insurance.

Enlisted below are some important variables that should be considered while raising disability claim.

What is the waiting period before the start of claim?
How much money will be paid?
Till what time this payment will continue?
Was the disability caused during the course of job-related works?
Was the disability predictable or unpredictable?
What if beneficiary is partially or completely disabled?
What other insurance policies will pay claim for this event?

Health insurance in case of pre-existing diseases

2010-01-26T23:09:00.000-08:00

All Health Insurance Companies have their own policy wordings to provide coverage for pre-existing disease, depending upon the exclusion time or the waiting period of the disease. The required cover may be provided after the insured has availed continuous coverage for 1 year, 2 year or 3 years, depending upon the underwriting clauses of the company.

Every insurer has certain exclusion time, which may vary from 6 months to 24 months. During this time, there is no insurance coverage provided to an insured, but after this specific time period, he/she is financially and medically protected.

Health Maintenance Organization (HMO)

2010-01-26T23:08:00.000-08:00

Health Maintenance Organization plans are well known to focus on prevention and wellness. When you opt for a HMO plan, you require to take most of your care from a primary care physician, who is well aware of your health picture. In case of these plans, you take most of your medical care from network providers, except in emergency. HMO plans do not have any deductible, but instead have flat co-payments.

When you opt for HMO plan, you have select a primary care physician, who will be responsible for your care. He may be your family doctor, pediatrician, gynecologists or general physician. If you become ill, you primary doctor will look into your treatment unless it is emergency. He/She will give you a referral if he/she needs a specialist. It is only with this referral, your HMO will provide you due coverage.

In case of an admission to a hospital, you need to have pre-certification from your insurer, unless it is an emergency. If it is emergency, one of your family member, you doctor or your hospital need to contact your insurer within certain time period, so that the medical expenses for the same could be covered.

Health Saving Accounts

2010-01-26T23:06:00.000-08:00

Health saving Account is the major medical policies with a large deductibles and low premiums. It is an excellent way to control your monthly payments and at the same time save on your future costs, if any.

The amount saved in these accounts may vary from year-to-year, thus allow you to save on investment earnings. The money withdrawn from these accounts for medical expenses is tax and penalty free. This money can be used for health and medical care solutions.

How do you get health insurance?

2010-01-26T23:04:00.000-08:00

Majority of employees get the health insurance through their employer or the organization they work for. These plans are known as Group insurance plans. The people who do not have an access to these plans need to buy an individual health insurance plan or family health insurance plan to provide coverage to themselves or to their families respectively.

Group insurance plan
If you are a member of some organization or an employee, your employer might provide you this health insurance plan. These plans can be customized to suit requirement of both employer and employee. In this case, the part of premium or the entire premium amount is paid by the employer. Thus, it is an easily affordable plan.

When you get group health insurance through membership of an organization, you get a benefit of being the member of a large organization. You have to pay for less premium amount than an individual or a family plan.

Individual or family health insurance plan
If your employer does not provide you with a group insurance plan or you are self employed, you need to purchase an individual or a family health insurance plan directly from a health insurance company.

Different insurance companies provide different insurance coverage limit, different features and different benefits. Moreover, you have to pay for the premium amount yourself. Therefore, search and buy a plan that suits best to your needs and budget.

How does medicare coverage works?

2010-01-26T23:02:00.000-08:00

Medicare coverage is for the “outpatient prospective payment system” to pay for the services offered or covered under the medicare plan.
Benefits of medicare system:

It provide coverage to outpatient services received in hospital or community

It reduces your out-of-pocket costs over time, thus, helps in saving money. Depending upon the services you get, your out-of-pocket costs may vary with time.

It determines how much you pay and how much your medicare pays for outpatient services.

These medicare services, you get with health insurance plan, can be received in any of the network hospital. The extent of these services may vary with the plan, you opt for. The ratio of amount you pay and the amount paid by medicare services vary with the plan.

Indemnity Insurances

2010-01-26T23:00:00.000-08:00

Indemnity insurance gives you flexibility to choose doctors and hospitals. Usually, you can choose your own health practitioner and can change it at any time. But these plans come with extra costs, depending upon the policy wordings of the plan selected.

Terms to learn while choosing an indemnity health insurance plan

Deductibles-- It is amount that an insured should pay every year before the company pays for benefits. There are different types of deductibles, which might be included by companies in their plans. So, go through the policy wordings carefully and learn about this term before finalizing the plan.

Co-payment-- it is the payment made after deductible. It is the percentage you pay of the remaining charges after deductible. Once the doctor receives the payment from the Insurance Company, he will charge you for the difference. While with some doctors, you might have to pay the entire bill and then claim the insurance company for reimbursement.

Indemnity plans have out-of-pocket maximum, which means if an expenses reach to a certain amount, the over an above fees of the covered benefits will entirely be paid by the company.

The indemnity plan may vary from company-to-company. In some case, it does not cover preventive services. Hence, go through the terms and conditions of the plan carefully to know about it thoroughly.

Managed care plans

2010-01-26T22:55:00.000-08:00

Managed care plans are the plans with wide range of heath services. Here, the patient takes advantage of the network providers and thus, costs less than indemnity plans.

In case of managed care plans, you have not to fill any forms or raise claims, as your payments are settled by the insurance company. You may have to co-pay, which vary from company-to-company.

These plans have lower out-of-pocket expenses till you get the treatment in network providers.

There are three type of managed care plans. These are:
1.POS-Point of Service Plan
2.HMO-Health Maintenance Organization Plan
3.PPO- Preferred Provider Organization Plan

Point of Service (POS) Plan

2010-01-26T22:53:00.000-08:00

A POS (Point of Service) is a managed healthcare plan that offers more flexibilities than HMO. This plan is sometime known as hybrid healthcare plan as it contains aspects of both HMO and PPS plans.

This plan is designed to provide effective and efficient patient service at a low cost. In POS healthcare plan, patient first visit network of preferred providers and then, on referral may seek other provider, if deemed necessary.

A primary physician may refer to other physician or a specialist, which may or may not be from the network of preferred provider. If patient visits specialist without the referral of primary physician,he does not get the coverage from the health insurance provider. Such patients have to bear the cost themselves.

POS plan is bit expensive than HMO plan due to restrictive network and less number of options associated with the later.

There are certain points that should be considered while choosing a plan. Your needs, your health, the benefits offered etc play a major role.

PPO (Preferred Provider Organization)

2010-01-26T22:50:00.000-08:00

PPO health insurance plan lies between HMO and pure fee-for service plan. A PPO is a managed care plan, where you get the degree of choice regarding which provider to use. It s similar to HMO in the aspect that you have to pay a certain premium amount and in return health insurance company provides you the basic medical benefits.

In PPO plan, it is not necessary to visit a primary physician and moreover, visit to a specialist does not require any referral. But, instead if you need a healthcare from outside, you need to pay higher co-payment.

Pros of availing PPO plan

Out-of-pocket cost is limited
Healthcare cost remains low, when staying within network.
You can consult any specialist either inside or outside of the network.
Primary care physician is not a prerequisite.

Cons of availing PPO plan

Cost of treatment outside network is expensive
In case of treatment in non-network of hospitals, you have to complete paperwork.
Co-payments are higher.

Supplemental Insurance

2010-01-26T22:34:00.000-08:00

Supplemental insurance benefits are benefits that pays on occurrence of specific event. These are the benefits that an insured can avail either on hospitalization or on suffering from critical illness.

Hospitalization coverage
Health Insurance Companies provide hospitalization coverage for the enlisted diseases. These health plans have different coverage limits with regard to pre-hospitalization and post-hospitalization, subject to terms and conditions.

Health plans, Accident plans, Travel plans, Medical plans etc. all provide hospitalization coverage in different situations, depending upon the cause of hospitalization.

An insured can avail the facility of cashless hospitalization, which allow you to get medical treatment, up to the sum insured, for free in any of the network hospital. In case of treatment in non-network hospital, you can claim for the reimbursement of the expenses incurred.

Critical Illness Cover
Critical Illness Cover aims to insure you against the risk of serious illness. All health insurance companies have their own terms and conditions and thus, provide coverage to different diseases.

What happens if you have your health insurance through your employer and you leave your job?

2010-01-26T22:31:00.000-08:00

If you are working with some organization, you might have been provided Group Health Insurance plan by your employer. But the associated benefits can be availed, only till you are on rolls. The day you leave you job, the policy gets terminated and you cannot avail any more benefit.

Hence, it is better to have an Individual or Family Health Insurance Plan along with Corporate Health Insurance Plan so that you can avail pre-policy benefits after the certain time period, as mentioned in underwriting clauses of the Company.

What is Consumer directed Coverage?

2010-01-26T22:28:00.000-08:00

Consumer directed health coverage plan helps individuals and families to have greater control over their healthcare needs. It has some of the major aspects, which includes:-
When and how they access care?
How much they spend on healthcare services?
What type of care they receive?

Different health insurance plans have different coverage limits and different aspects.

The major type of consumer directed coverage are:-
Flexible spending arrangement
Health saving accounts with High deductible health plans
Archer medical saving account
Health reimbursement arrangement

What type of health insurance is right for you?

2010-01-26T22:23:00.000-08:00

Everyone should know about his health needs and should opt for a plan accordingly. It is must for every individual to know about the right type of health insurance plan for you. To reach to a conclusion, the following parameters should be compared:-
Premium
Benefits/Coverage
Out-of-Pocket costs (Deductibles, Co-payment)
Access to doctors, hospitals and other medical providers
Access to emergency care
Exclusions and limitations

If you get the plan from your employer side, you need to check the following points:-
What kind of services are covered by the Plan?
How are the benefits paid?
Do you need to submit the claims?
When do you need approval beforehand to make sure that you get coverage for care?
What steps do you require to take to get the care you and your family require?

In addition to it, you shall learn various ways to take advantage of the benefits, so that you can avail them at right time.

Above all, you need to decide whether you require an indemnity plan or a managed care plan. The basic difference between the both is the coverage of hospitals. Indemnity plans provide non-network hospitals coverage. Managed care plans provide network hospital coverage.

Why do you need Health Insurance?

2010-01-26T22:21:00.000-08:00

As medical care advances, the cost of treatment also increases. The aim of health insurance is to pay for your care. It protects you and your family against unforeseen incident, which can cause financial drain. Secondly, if you have health insurance, there are more chances that you will get routine and preventive care.

The most common reason for which you need health insurance is that you cannot predict what your medical bills will be. It may vary from time to time. It might be low at one time of your life, but at the other time, it may go too high. If you have health insurance plan, you would be relieved that you are protected for most of these costs.

Additionally, there is a link between quality care and health insurance. If you are covered under health insurance policy, you can avail for the quality treatment without any tension of arrangement of funds. Market survey and research show that individuals with insurance plans are more likely to go for routine check-ups and get the care, they need.

Hence, it is advisable to get a health insurance plan today and secure your tomorrow.

Why should I take Family Floater Health Plan if I already have health insurance from my employer?

2010-01-22T23:00:00.000-08:00

If you are working with some organization that provides you health cover under a corporate or a group plan, it is always advisable to have a Family Floater Health Plan from Apollo Munich in addition to a group plan so that you can take advantage of the health cover for a longer period of time.

The Group Health Insurance Plan, from your employer, terminates as soon as you leave the job. So, in order to have long term health benefits, you should have a Family Floater Plan that provides coverage to you and your family members, which can include your spouse, your dependent children and your dependent parents, under a single plan.

What is Claim Reimbursement?

2010-01-22T22:58:00.000-08:00

Claim reimbursement is the claim raised for the money spent on medical treatment in non-network hospital. If you undergo treatment in a non-network hospital, you have to pay for the bills yourself, which can later be claimed from the insurer.

Every company has its own terms and conditions to submit claims. Apollo Munich also has its own rules and regulations according to which the claim will be settled. For instance, the non-network hospital, where you underwent treatment should be a registered hospital. You require to submit relevant documents and discharge details while raising a claim. Similarly, it is a must that your claim should satisfy underwriting clauses so that your money can be successfully reimbursed.

What is cashless hospitalization?

2010-01-22T22:57:00.000-08:00

Cashless hospitalization is the service provided by Apollo Munich, wherein an insured does not have to run around for the collection of cash for medical services. Instead, an insured can go to any of the network hospital and can undergo treatment for free. The medical bills in this case are settled by the insurance company.

Depending upon the terms and conditions of the company, you might require TPA approval before admittance to hospital. It is advisable to always carry your Healthcare Insurance Card along with you.

What does the term 'service provider' refer to?

2010-01-22T22:55:00.000-08:00

A service provider is simply a company or an individual who provides 'service' to others. In terms of insurance, the term 'service provider' refers to the company/agency through which you are covered or insured. Apollo Munich is one of India's fastest growing and most reliable insurance service providers. They provide services like hospital networking, reimbursement of hospitalization charges, etc. (in accordance with the terms and conditions of the policy)

Apollo Munich, the insurance service provider, can be contacted when you wish to claim or renew the policy you have purchased. All policies, opted for by the client, are governed by the rules and regulations set by the service provider, i.e., Apollo Munich.

What do I do if my health card is lost?

2010-01-22T22:52:00.000-08:00

If your Apollo Munich Health Card is lost, you should dial up the toll-free number 1800-102-033 and get your ticket locked. Our representative will provide you further assistance in lodging your request for the issuance of a duplicate card. You will be able to get a new card within the specified time period, as per the rules and regulations of the Company.

Thus, if your card gets lost, immediately contact us so that we can generate you a new card at the earliest and you are not deprived of the benefits for long.

In the event of claim being already made, if I want to renew my policy for the second year, do I have to undergo medical check up again?

2010-01-22T22:47:00.000-08:00

How does a Health Card function in case of policy renewal?

2010-01-22T22:46:00.000-08:00

Health Card is a proof of purchasing a policy. It holds a unique policy number. At the time of renewal, your policy is renewed on the basis of the policy number stated on the card and then, after renewal, a new card is issued so that an insured can avail the associated facilities and benefits for extended time duration.

Thus, Apollo Munich issues you a new card at the time of renewal. An expired card has no more significance with regard to cashless treatment after policy renewal.

Does a higher cover mean preferential treatment in case of hospitalization & claim?

2010-01-22T22:43:00.000-08:00

No, a higher cover does not mean preferential treatment. Apollo Munich does not differentiate among its clients on the basis of coverage limit.

Each client gets quality treatment in our network hospitals, regardless of the plan opted and coverage limit. The coverage limit is a maximum amount that a Health Insurance Company can pay to its beneficiaries. It is related to the cost of treatment paid but not to the quality of treatment.

Does a higher cover guarantee better protection?

2010-01-22T22:41:00.000-08:00

Yes, higher cover guarantees better protection as it offers you an option to go for better treatment without worrying about the money required or the medical costs. When a higher sum is insured to an individual, he/she gets more financial freedom to undergo treatment.

It is helpful in situations when you have to pay for high medical expenses. If you have a higher cover, you are more relieved of your medical costs.

Do Apollo Munich cover Pre-existing diseases?

2010-01-22T22:38:00.000-08:00

Yes, Apollo Munich provides coverage for Pre-existing diseases under all its Health products, but terms and conditions may vary with each product.

For instance, in Easy Health Plan, Pre-Existing Disease (within 36 months prior to commencement of first policy with us) are covered only if you get continuous coverage under the same plan for three years. A waiting period of 1 year may apply, if you:
i) are insured continuously and without interruption for at least 2 years under another Indian insurer’s individual health insurance policy for the reimbursement of medical costs for inpatient treatment in a Hospital;

ii) establishes to our satisfaction that he was unaware of and had not taken any advice or medication for such Illness or treatment.

Likewise, Pre-Existing disease coverage varies with the products. Hence, Maxima and insure Health have different Pre-existing conditions, depending upon the Company's norms.

Can I have an Insurance cover higher than Rs 3 Lakh for individual or Rs 4 Lakh for others?

2010-01-22T22:37:00.000-08:00

Yes, Apollo Munich gives you an Insurance Cover higher than 3 Lakh for individuals and 4 Lakh for others. Our Easy Health Plan is available in three variants, each with a different range of benefits. Easy Health Individual Health Insurance Plan provides coverage from 1 Lakh to 10 Lakh while Easy Health Family Health Insurance Plan provides coverage from 2 Lakh to 10 Lakh, depending upon the variant and benefits opted.

Similarly, Personal Accident and Easy Travel Plan have different coverage limit, depending upon the situation and policy's underwriting clause.

Are all policyholders eligible for a Health Card?

2010-01-22T22:32:00.000-08:00

Yes, all policyholders of Apollo Munich are eligible for a healthcare insurance card and can carry them along with them as a proof of the plan purchased.

It carries the information regarding the person's identity along with the basic details that might be required before undergoing treatment on a cashless basis. But, the ID number mentioned on a healthcare insurance card is unique, thus, it cannot be used for any other policy or in non-network hospital.

The information mentioned on Apollo Munich Cards is very specific to the insured.