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?

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?

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)?

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?

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?

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.