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Health Insurance & Medical Insurance India
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Plans > Health Insurance Plans

  • Most awarded health insurance plans
  • Cashless Hospitalisation
  • Restore benefit with 100% no claim bonus*
  • No additional loadings at renewal due to claims

  • Covers entire family under one plan
  • No additional loading at the time of renewal
  • 100% no claim bonus*
  • Sum Insured available: Rs 3 to 15 Lakhs

  • Lifelong cover for self and spouse
  • 5% discount for every claim free year
  • Cashless coverage across network hospitals
  • No claim based loadings on renewals

Apollo Munich Health Insurance offers the best health insurance plans in India today, for men and women of any age. Apollo Munich offers individual health insurance plans, family floater health insurance plans and group health insurance policies for corporates. Ranging from Easy Health to Optima Restore to Energy, these health insurance policies will not only guard you against the present and future spiraling healthcare costs, but will also guide you on the path to wellness for the long term. 

Apollo Munich Health Insurance has received numerous positive reviews and ratings for its health insurance plans and policies, which have been ranked as the best plans in the health insurance industry by several of India’s most popular publications such as “The Economic Times” and “The Hindustan Times”. The company offers its products through a network of 50+ offices, well trained sales partners and directly through its call center, website and in-house sales force.
Let's Uncomplicate With Best-In-Class Benefits
  • Wide Sum Insured Options - Choose from a wide choice of Sum Insured starting from Rs. 1 lakh to Rs. 15 lakhs and enjoy best health insurance benefits at affordable premium.
  • Pre-Hospitalization and Post-Hospitalization Cover - Our health insurance plans come with Pre-Hospitalization and Post-Hospitalization cover that takes care of medical expenses incurred for treatment before and after hospitalization. It gives you relief from the medical expenses incurred before and after the hospitalization, that can sometimes prove to be as costly as the hospitalization expenses itself. 
  • Quick Claims Approval - Our empanelled hospitals, cashless procedures, wide presence across India all make the claims approval process quick and easy. We have a specialized in-house claims processing team of doctors that processes your claim compassionately, yet professionally. When it comes to claim settlement, Apollo Munich is one of the fastest in the industry to honor every genuine claim. About 98% of our claims are settled within 15 days. 
  • Portability – Apollo Munich health insurance offers customer-friendly health insurance policies that ensure that you avail most of the accrued benefits when you port your plans to Apollo Munich’s health insurance plans. The waiting period or any another accumulated benefit will be carried forward without any trouble – That’s our promise to you!
  • Tax Benefits - Get tax benefits on our health insurance plans for the premium amount under Section 80D of the Income Tax Act.
  • Lifelong Renewal - Enjoy the lifetime renewal benefit of a health insurance policy and be secure against medical expenses. Our health insurance plans save you from the financial burden and stress caused by a medical emergency and keeps you well prepared to handle any situation.
  • Earn upto 100% No Claim Bonus* - If you have had a claim-free year, we increase your basic sum insured by 50% at no extra charge. If you do not claim even in the second year, we double the sum insured, making it 100% of the basic sum insured. For instance, if you have a Rs. 5 lakhs health insurance plan and you do not make any claim in the first year, we will increase your cover to Rs. 7.5 lakhs in the first year and Rs. 10 lakhs in the second claim free year. Which means, at the end of the second claim free year you would be paying for a Rs. 5 lakhs plan but receiving the benefits of a Rs. 10 lakhs plan.
  • RESTORE Benefit* - If you or your family member exhausts your sum insured during the year, Apollo Munich will restore the full amount back for usage for any new illnesses without any paperwork or any extra charge!
  • Health and Wellness Portal - As a customer, you can benefit from our Health Portal. Explore healthy living, improve your lifestyle, never miss appointments, access reports 24X7 anywhere, chat with a health coach, and lots more.
*Applicable only for Optima Restore
How To Select The Best Health Insurance Plan
Health insurance provides financial security when you need it the most.  While it is important to make sure you are getting the best deal on health insurance, the truth is that buying health insurance can be overwhelming and confusing. Which health insurance plan is right for you depends on numerous factors, mainly your age, and in case you are employed, do you get insurance from your employer or you need to buy it on your own. Regardless of your situation, here are some easy-to-follow guides for what you need to consider to choose the best health insurance policy.
  • Buy health insurance when young and healthy - Typically, people tend to consider buying a health insurance policy in the middle of their life spans – when they are in their forties or fifties. By that time, health risks might have increased with growing age. Further, all health insurance policies come with a waiting period for 2-3 years for certain pre-existing diseases. Buying a health insurance cover early in life ensures that you finish the waiting period by the time you get older and you are able to avail full benefits of your health insurance plan. Also, the premium of a health insurance policy is dependent on customer’s age and health status. Hence, buying a cover at a young age will be cheaper than buying it at a later stage. 
  • Choose an adequate sum insured - To make an informed choice, you should be aware of your personal priorities, after which you would be able to select the best health insurance plan that is in line with your needs. In addition to this, you also need to ensure that your health insurance plan offers you with adequate health care coverage by giving due consideration to factors like your age, age of all your family members, increased health care costs, etc. For instance, on one hand a person belonging to middle or young age group should opt for an indemnity cover with a range of INR three to five lakhs and on the other, a married individual should be wise enough to opt for a family floater plan that offers extended coverage to an individual and the spouse with sum insured between INR five lakhs to seven and half lakhs.  
  • Individual insurance policy Vs family floater policy - You must also consider whether you want to buy individual policies for all family members or a family floater policy for all. In case of a young nuclear family, it is better to opt for a family floater policy that extents coverage to two adults and two children.  Compared to individual plans, family floater plans come at a marginally incremental premium. 
  • Understand the limits and exclusions -  In order to offer effective coverage, each health insurance plan has certain broad exclusions along with waiting periods. Thus, you should refer to your policy documents to determine which health care services are covered and to what extent. Furthermore, you should make it a point to ask for sample policy wordings so as to get in depth knowledge about certain definitions, terms and conditions, exclusions and benefits being offered while comparing different insurance policies offered by other companies. 
  • Claim limitation related to treatment -  You should carefully note the treatment-respective limits in the health insurance plan you choose. Certain policies cap the amount you can claim for a particular surgery. Such limits would restrict your claim, even if there is a large sum insured under your policy. You need to evaluate this factor to choose the best health insurance policy. 
  • Hospital network of the insurance company - It is important to take time in obtaining and reviewing the details of the hospital network of the insurance company. An insurer with an extensive list of hospitals in its network across cities should be a prime consideration.
  • Choose a policy with no sub-limits - When you opt for a health insurance plan, you should be sure that the plan has no disease specific or expenditure specific sub-limit. In few cases, you may find such plans to be expensive but they will help you to evade greater financial risks as well as provide you with the freedom to opt for efficient medical treatment, that too at the best health care provider. A policy with no sub-limits will help you avoid unpleasant situations at the time of claims.
  • Opt for additional coverage - Add on covers like Maternity Cover, Critical Illness etc. that can be bought along with standard health insurance plans give additional coverage for your specific needs. Maternity coverage offers coverage for medical expenses incurred at the time of pregnancy and delivery. Critical illness rider is yet another add on cover meant for illnesses designated to be critical, such as heart attack, cancer, diabetes, kidney failure, organ transplant or paralysis. In case any of these situations, you can benefit from these riders over and above your existing health insurance policy.
  • Fill up the proposal form yourself - The questions asked in a proposal form are comprehensive as well as personal in nature, thus one should make it a point to fill up a health insurance proposal form on their own. Furthermore, for the insurer to be able to underwrite the policy in an appropriate manner, it is required that you fill all details correctly. You should never hide any information or overwrite on the proposal form. Inadequate information or exclusion of medical conditions during the proposal time can lead to issues of delayed or non-payment of claims during times of need. 
  • Read and understand the policy wordings - It is of utmost importance that you read the policy wordings and other documents carefully so as to reap maximum benefits from your respective health insurance policy. Every health insurer provides a policy wording document that contains details about the policy. It will help you gain a thorough understanding of the claim process, document requirement, payment options, special conditions, coverage and exclusions.
  • Gradual increase in sum insured - In current times where medical inflation is increasing rapidly, as a precautionary measure, it would be best to keep on increasing the sum insured of your health insurance plan from time to time. You should compare various policies available from the websites of different companies, and speak to your insurance advisor to know what is the apt sum assured for you and your family.
  • Clear all your doubts before taking the final decision - Before making the final decision of buying a health insurance policy, you should read all your policy documents once again. Turn to your insurance advisor or the insurance company and ask as many questions as you can to clarify all your apprehensions. It will clear any confusion or doubts that may exist. 
Disclaimer
This is only a summary of the product features. The actual benefits available are described in each policy document, and will be subject to the policy terms, conditions and exclusions. Please seek the advice of your insurance advisor if you require any further information or clarification.
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