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Health Insurance Plans for Individuals upto 65 years
  • Comprehensive coverage for hospitalisation
  • Sum insured options ranging from 3 lakhs to 15 lakhs
  • Cashless hospitalization in more than 4000 hospitals across India
  • Lifelong Renewal
  • No Sub-Limits on room rent or Co-Payments
  • No additional loadings at renewal due to claims
  • First of its kind Restore benefit which restores entire sum insured with no extra charges
  • Unique multiplier benefit that offers a bonus of 50% of sum insured for every claim free year
Health Insurance Plans for Families
  • Covers spouse, dependent children and dependent parents under one plan
  • Sum insured options ranging from 3 lakhs to 15 lakhs
  • Cashless hospitalization in more than 4000 hospitals across India
  • Lifelong Renewal
  • No Sub-Limits on room rent or Co-Payments
  • No additional loadings at renewal due to claims
  • First of its kind Restore benefit which restores entire sum insured with no extra charges
  • Unique multiplier benefit that offers a bonus of 50% of sum insured for every claim free year
Optima Senior
A Plan exclusively created for Senior Citizens above 61 years of age. 
  • Choose insurance cover starting from 2-5 Lakh
  • Comprehensive coverage for hospitalization
  • Lifelong cover for self and spouse
  • No claim-based loadings on renewals
  • Cashless treatment across 4000 network hospitals across 800 cities
  • 5% Discount on Renewal Premium for every Claim Free Year 
  • Free second opinion from medical panel for listed ‘Critical Illnesses’
Easy Health Insurance Plans are designed in a way to suit your need and fit your pocket. They will not only guard you against the spiraling medical costs but will also guide you on the path of wellness, providing you a double protection of prevention and cover. The Easy Health Insurance Plans are available for Individuals (Easy Health Individual Health Insurance Plan) and Families' (Easy Health Family Health Insurance Plan). These Plans manage you and your families health-related needs right from consultation and hospitalization to the post-hospitalization.
Let's Uncomplicate With best-in-class benefits
  • Wide Options - Choose from wide choices of Sum Insured starting from Rs. 1 lac to 15 lacs 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. Intimate your insurer about the hospitalization as per the policy guidelines and you can avail the benefit.
  • Quick Claim Approval - Our empaneled hospitals, cashless procedures, wide presence across India, all make the claim approval process quick. We have a specialized in-house claim processing team of doctors which 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. Over 95% of our claims are settled within 30 days with average claims settlement duration of 15 days for clear cases.
  • Portability - A customer-friendly policy that ensures that you avail most of the accrued benefits when you opt for Apollo Munich’s Health Insurance Plans. Be it the waiting period or any another accumulated benefit, be assured that it will be carried forward without any trouble. We make sure that you lose out on nothing and assure a trouble-free medical care providing for a secured tomorrow.
  • Tax Benefits - Get tax benefits on our medical Insurance plans for the premium amount under Section 80D of the Income Tax Act.
  • Lifelong Commitment - Enjoy the lifetime protection of a health cover and get security against medical expenses. Our Health Insurance plans save you of the financial burden and stress caused by a medical emergency and keeps you well prepared to handle the situation.
  • 50% 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. So if you have a 5 lakh health insurance plan and you do not make any claim in the first year, we will increase your cover to 7.5 lakh in the first year and 10 lakh in the second. Which means, at the end of the second claim free year you would be paying for a 5 lakh plan but receiving the benefits of a 10 lakh plan.
*Applicable only for Optima Restore
  • 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.
Terms of Health Insurance Policy Renewal
We offer life-long renewal unless the Insured Person or any one acting on behalf of an Insured Person has acted in a dishonest or fraudulent manner or any misrepresentation under or in relation to this policy or the Policy poses a moral hazard.
  • Maximum Age - There is no maximum cover ceasing age in this policy. For Additional cover of Critical Illness maximum cover ceasing age in this policy would be 70 yrs.
  • Waiting Period - The Waiting Periods mentioned in the policy wording will get reduced by 1 year on every continuous renewal of your Easy Health Insurance Plan.
  • Renewal Premium - Renewal premium are subject to change with prior approval from IRDA.
  • Sum Insured Enhancement - Sum Insured can be enhanced only at the time of renewal subject to no claim have been lodged/ paid under the policy. If the insured increases the sum insured one grid up, no fresh medicals shall be required. In cases where the sum insured increase is more than one grid up, the case shall be subject to medicals. In case of increase in the Sum Insured waiting period will apply afresh in relation to the amount by which the Sum Insured has been enhanced. However the quantum of increase shall be at the discretion of the company.
Acquire the coverage of a right health cover and ensure best health insurance coverage in times of need. 
Disclaimer
This is only a summary of the product features. The actual benefits available are as described in the policy, 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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