Do Apollo Munich cover Pre-existing diseases?

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.