Supplemental Insurance

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 is cashless hospitalization?

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.