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Customer Service > FAQs > Post Sales Queries > Renewal benefits

How will Cumulative Bonus/ No Claim Bonus or the Multiplier Benefit (as the case may be) be calculated if the insured changes the plan from floater to individual and reduces the Sum Insured?

If the insured changes his plan from floater to individual, Cumulative Bonus (CB) will be given on the lowest Sum Insured.

How will the Cumulative Bonus/ No Claim Bonus or the Multiplier Benefit (as the case may be) be calculated if the insured changes the plan from individual to floater and reduces the Sum Insured?

If the insured changes his plan from individual to floater, the lowest value of Cumulative Bonus (10% of lowest SI) will be given, provided no claim has been made in the last policy year.

How will the Cumulative Bonus be calculated if the proposer adds his/her dependent in the policy?

Cumulative Bonus will be given only to the member(s) who were insured under the policy in the previous year.

If insured has changed his plan in the subsequent year and in the new plan, waiting period is less than the previous plan, then what would be the impact on waiting period?

In this case, the waiting period of the current plan would be applicable.

For example: In Easy Health Standard plan, waiting period is 4 years and if the insured opts for Premium plan in the next year, then the applicable waiting period will be 2 years as the insured has already completed 1 year in Standard plan. In case the insured opts for the Premium plan in second year, then the applicable waiting period would be 1 year as he has completed 1 year in either Standard or Premium plan.

If the insured has changed (increased or decreased) the Sum Insured in subsequent year, then what is the eligible amount for Health Check-up?

The lower amount between the two would be eligible for health check-up.

For example: A person has a policy with Sum Insured Rs 2 Lakh and in the next year he increases his Sum Insured to Rs 5 Lakh. In that case, the eligible amount for health check-up would be Rs 2000 and not Rs 5000 (applicable in Rs 5 Lakh SI).

How do I track my steps for Stay Active benefit ?

The steps can be tracked on our Mobile app ‘Health Jinn’ which is currently available on android and IOS platform. if you are an android phone user please search for 'Health Jinn' App in google play store. For apple users the app can be downloaded from App Store. Windows/Blackberry users, please contact our Customer Care at customerservice@apollomunichinsurance.com or 1800 102 0333 for information on how to avail Stay Active benefit.

How will the Stay Active discount be calculated?

How will the Stay Active discount be calculated? In an individual policy, ‘Stay Active’ discount would be calculated for each adult member covered in the policy, basis the average steps taken by him for each quarter and cumulated at the end of the policy period.

Individual Plan
Customer A buys a policy on 1st December 2017 for a tenure of 1 year. His Stay active discount calculation basis the steps taken during the tenure of his policy is as under:

 

Time Durations

 

Policy start date- 90 Day

91-180 days

181-270 days

271-300 days

Time interval from Risk Start Date of policy

1st Jan-31st March

1st April-29th June

30th June- July-27th Sept

28th Sept -28th October

No. of days per time interval

90

90

90

30

Total Steps walked in each time interval

904050

771840

932040

300030

average steps taken each time interval

10045

8576

10356

10001

Date on which discount is credited

1st April

30th June

28th Sept

29th November

Pro-rata Stay active discount % applicable as per the grid

2%

1.25%

2%

2%

Cumulated renewal discount % earned by the customer at the end of policy tenure

7.25%



In an individual policy, the average step count would be calculated per adult member

Floater Policy
In a floater policy, ‘Stay Active’ discount would be calculated on the average step count of all the Adult members per quarter and cumulated at the end of the policy period
Customer A buys a floater policy on 1st December 2017 for a tenure of 1 year for himself and his spouse. In a floater policy the Stay Active discount will be calculated per policy. The Stay active discount calculation basis the steps taken during the tenure of the policy by the customer and his spouse is as under:

 

Time Durations

 

Policy start date- 90 Day

91-180 days

181-270 days

271-300 days

 

 

 

 

 

Time interval from Risk Start Date of policy

1st Jan-31st March

1st April-29th June

30th June- July-27th Sept

28th Sept -28th October

No. of days per time interval

90

90

90

30

Total Steps walked in each time interval by Customer A

904050

771840

932040

300030

average steps taken each time interval by customer A

10045

8576

10356

10001

Total steps walked by Customer A`s spouse

900000

720000

810000

330000

Average steps taken by Customer A`s spouse

10000

8000

9000

11000

Combined total of customer A and spouse

1804050

1491840

1742040

630030

Combined Average of Customer A and spouse

10023

8288

9678

10501

Date on which discount is credited

1st April

30th June

28th Sept

29th November

Pro-rata Stay active discount % applicable as per the grid

2%

1.25%

1.25%

2%

Cumulated renewal discount % earned by the customer at the end of policy tenure

6.5%




Please Note: The above illustration is for a one year tenure policy. In case of 2 year policies , there would be 8 time intervals and pro-rata discount as per 8 time intervals would be applicable

What is Stay Active?

Stay Active is a renewal discount offered under Easy Health and Optima Restore in which you can earn upto 8% disc

ount on your renewal premium by meeting the average step count target as per the grid below..



Average step count target for the year

% discount applicable on renewal premium

5000 or below

0%

5001-8000

2%

8001-10000

5%

100001 and above

8%



In order to help you earn more discount, the average steps would be calculated each time for a fixed time duration and a pro-rata discount would be credited to you against your stay Active discount. This allows you the opportunity to improve your average step count for the next time period and earn a higher discount.

I am unable to connect to Google fit/Apple health kit suggested on the Health Jinn app. How do I do it?

In order to integrate with google fit, you must have the google fit app on your phone.  This app has to be downloaded from Google Playstore. Once you have downloaded and connected on google fit, you will be able to connect the Health Jinn app to it. Similarly Apple health is to be downloaded from the App store

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