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Claims Settled from Inception till June 2017.
Health Insurance for Individual
Most awarded health insurance plans
Restore benefit with 100% no claim bonus*
No additional loadings at renewal due to claims
Health Insurance for FAMILY
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
Health Insurance for Senior Citizen
Lifelong cover for self and spouse
5% discount for every claim free year
Cashless coverage across network hospitals
No claim based loadings on renewals
Health Insurance Plans
Thanks to sedentary lifestyle, health insurance has become a necessity for every individual in the last few years. This is also the reason ‘people are genuinely concerned about their health’. As a result, they give right amount of thoughts at the time when they are considering to buy health insurance policy.
To elaborate on the shift in mindset, an individual has started looking at the broader aspect of their life and its health care needs. And the best part is that they have started accepting the fact that they actually do need health insurance, however the reasons may vary from one person to another.
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 has also come up with an outpatient health insurance plan called Day2Day Care that covers you for unlimited doctor consultations at network centres and outpatient medical costs including pharmacy, diagnostic tests, vaccination and physiotherapy.
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.
Why you should buy health insurance?
1. Increase in the incidence of lifestyle-related illnesses
Life expectancy has increased. Thanks to advancement in medicines, the average man is likely to live for around 84 years by 2040. And so has stress due to sedentary lifestyle.
This has also given rise to the early onset of chronic diseases like cancer, lung conditions and stroke, claiming younger lives. Health insurance mitigates the financial risk that may befall a person irrespective of age.
2. Health insurance coverage is more than just hospitalization
Most/Many health insurance plans give coverage for day care procedures and OPD, other than the treatments that involve serious hospitalization. Health insurance policies also cover pre and post-hospitalisation as a large amount of expense on doctor consultations, tests and medicines are borne during this period. There are also health plans that cover vector borne diseases like dengue.
Domiciliary treatments, Ayurveda, Unani, Sidha and Homeopathy are also covered by the best health insurance plans in India.
3. Increase in out-of-pocket expenses
With the healthcare industry in India witnessing double-digit inflation, it is getting extremely expensive to treat common ailments in India. As a result, this has put a dent in an individual’s pocket.
Buying health insurance can double up as your emergency financial fund while preparing you for the troubled times.
4. Your group health cover may not be sufficient
A group health plan may or may not cover all your family members. The sum insured limit in a group plan is also less, which may not be enough to meet all the medical expenses incurred.
Also, during the times when you are in the process of shifting to another job or are unemployed, you and your family will be exposed to the risk of unexpected medical expenses.
And then as you’ll grow older, you might need frequent medical attention. Before that you may not want to put yourself at the risk of being under-insured.
According to a survey report, nearly
95% of Indians are under-insured, with those above 45 in the highest risk group
Why should you consider buying health insurance from Apollo Munich?
1. Wide sum insured options
Choose from a wide sum insured options starting from INR 1 lakh to INR 15 lakhs and get innumerable health insurance benefits at affordable premium.
2. Protection against health emergencies
Medical emergencies comes unannounced. When you buy health insurance plan, you will be relieved of the stress that accompanies troubled times especially when funds are lacking.
You will be able to access quality treatment and will not need to compromise on your health. Your dreams and plans that rely on your hard-earned savings will remain in place while you get the treatment you need.
3. Get access to wide network of hospitals
With more than 4500+ hospitals empaneled with us, we bring best-in-class service and renowned healthcare experts in India.
4. Cashless facility
Take advantage of quick and easy claims approval process and access world-class healthcare facilities pan-India.
You simply need to inform us 48 hours before hospitalisation or within 24 hours of emergency hospitalisation to avail the cashless claim facility at our network centres. Cashless claims are approved within 60 minutes in 90% cases.
5. Efficient claim process
Apollo Munich is one of the fastest insurers to honor every genuine claim with nearly 98% of our claims settled within 15 days.
Since Inception, we’ve settled claims worth over INR 2,913 Crores claims till June, 2017.
The toll-free Healthline is a free and confidential healthcare information service available with all sums insured. This service is managed by specially trained health personnel who will be your Health Coach. You can avail primary consultation, individual referrals, health, nutrition and diet related information, health-related counselling and much more.
You can also get guidance on what to do in case of minor illnesses or injuries. You may seek to understand conditions you have been diagnosed with or get knowledge on chronic diseases.
7. Stay Active benefit
Medical insurance plans are most useful when they help you stay healthy. Some of our plans offer the Stay Active benefit wherein you can avail up to 8% discount on premium at the time of renewal for the steps you take in a day.
You simply need to download our Health Jinn app on your phone, sync it with Google Fit or Apple Health and aim to walk 10,000+ steps every day to earn the complete 8% discount. Walking is one of the most beneficial things you can do for your health and fitness and we aim to encourage you to incorporate this into your daily routine.
8. Efficient, quick and transparent customer service
At Apollo Munich, we believe in fostering a relationship with our customers that is beyond transaction. The best health insurance experience is accompanied by absolute transparency, integrity and clear communication.
Our customer service representatives are armed with thorough knowledge of our policies, coverages, exclusions, etc. They are well-equipped to answer all your queries and guide you from the first step of buying a policy online to the process of making claims, renewing your policy and more.
Avail tax exemption on the health insurance policy premium under the Income Tax Section 80D.
10. Lifelong Renewal
Enjoy the lifelong renewal benefit and get secured against medical expenses for the lifetime. Our health insurance plans are designed to mitigate the financial burden and anxiety that mark emergency medical situations.
Apollo Munich health insurance offers customer-friendly health insurance policies ensuring you avail most of the accrued benefits every time you choose to port your health insurance policy to one of the health plans offered by Apollo Munich. The waiting period or any another accumulated benefit will be carried forward without any trouble – That’s our promise to you!
12. Health and Wellness Portal
As a customer, you can get numerous benefits from our health and wellness Portal. The portal allows individuals to keep a track of their health like weight, BMS etc. You can also explore healthy living, improve your lifestyle, never miss an appointment, access reports 24X7 from anywhere in the world, chat with a health coach, and lots more.
13. Earn up to 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.
14. RESTORE Benefit*
If you or your family member exhausts entire 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!
*Applicable only for Optima Restore
Types of health insurance policies/cover?
1.Reimbursement (Indemnity) based health insurance plans
The most popular form of health insurance in the market, reimbursement based health insurance plans more commonly known as “mediclaim”. These plans reimburse you for any expenses incurred in the event of hospitalisation and also cover expenses associated with diagnostic or screening requirements before hospitalisation or post hospitalisation treatments. The plan will have an annual limit which cannot be exceeded in a given year and which is renewed every year you pay your premiums. The plan can be offered as an
a. Individual Health Insurance Plan –
Individual health insurance covers a single person; it is usually a person who is paying the premium. Under this, the chosen sum insured covers only one individual insured under the plan against various disease and illnesses.
Moreover, one can also enroll family member(s) for coverage by choosing different sum insured to be applicable to each individual insured member.
In individual health insurance policies, one member’s expenses do not impact the other family member’s cover. In the unfortunate incident of more than one member being hospitalised in a given policy year, their individual plan is bound to cover their expenses if they have selected an adequate sum insured.
b.Family Floater Health Insurance Plan –
Tailor made for families, it acts as an umbrella to give coverage against the health risks.
Under this, a fixed sum insured is available for any or all the members insured for one or more claims during the tenure of the policy. Thus, if one of the insured member falls sick and needs hospitalization, the (total) sum insured of the policy can be utilised by him/her.
A family may include individual, spouse, dependent children and in some cases, parents and parents-in-law.
In a family floater policy, the sum insured is shared by all the family members. Thus, if one member ends up using a large portion of the sum insured, the other member may fall short of cover when needed.
Our Optima Restore plan offers a Restore Benefit wherein your basic sum insured is restored in case the entire sum insured gets exhausted in a policy year. This way, your family can still get coverage even if one member has used up the sum insured.
Who should buy
A reimbursement-based health insurance policy is the base coverage that everybody must have in order to ensure that you are protected against the less frequent but most immense expenses of hospitalisation.
2.Fixed benefit hospitalisation plans
A new breed of health insurance plan first offered by Life Insurance companies and later offered by all insurance companies, these plans offer fixed benefit payouts on the occurrence of some well-defined diseases/illnesses or hospitalisation occurring. These plans not only attempt to partly cover costs associated with hospitalizations but also in some cases act as an income substitute.
The biggest advantage of these plans is that they offer coverage or payout even if you have claimed from any other health insurance plan (you can consider it as an additional payout for the same illness).
However one must always consider these plans as a top-up or add on cover to your current plan and never mistake these for complete solutions due to the following reasons
As the payout is not related to your actual health expenses incurred it may be lower or higher than the actual cost
As the coverage is offered for set of defined benefits it may or may not cover all the illnesses or diseases
The variants to the fixed benefits hospitalization health insurance plans include
a.Critical illness plans
These plans offer a fixed lump sum benefit in case of a critical illness occurring, the critical illness or disease covered would be as the list defined under the plan. Today critical illness plans covering 6 t0 39 critical illnesses depending upon the product offering them. The lump sum benefit offered by this plan covers not only cost but also acts as an income supplement or takes care of out of hospital treatment.
b. Hospital Cash/Surgical benefit plans
These plans offer fixed payouts in case of defined hospitalization events which may include admittance to the hospital, daily stay- recuperating benefit in case of prolonged stay and also lump sum payouts for a listed surgery. As the payout is a defined payout depending upon the listed event occurring the plan accepts copies of bills.
Who should buy?
All such plans be it critical illness plans or fixed benefit hospitalisation plans are top-up plans or add on plans which can be used to supplement your base coverage and in no way substitutes the need for a reimbursement based hospitalization health insurance plan. Hence this plan should be bought by someone who would like to enhance his current coverage and would like to provision oneself for expenses not covered by reimbursement based hospitalisation health insurance or intangible expenses such as loss of income or chronic care.
How to select the best health insurance plan?
How do I know which is the best health insurance plan? Should I go for individual plan or a family floater policy? These are few of the first questions that come to people who are looking to buy a health insurance policy.
Before we tell you what you should consider to select the best health insurance plan, let us share how a health insurance buyer can perform a quick quality and choose to buy one of the best health insurance policy available in the market.
So, look for a plan that:
Has high ratings from industry experts. You can also check customer reviews.
Remember, a quality health insurance plan does a good job of helping policyholder stay well as well as get better after the treatment/surgery.
Check if the plan offers a wellness program.
Has the widest network of doctors and hospitals in the list. Remember, to check network-hospitals in your area.
Offers a wide range of sum insured options
Does not have sub-limits or co-payments so that you get complete coverage
Offers services as and when needed by the customers while meeting their budget.
Has easy claim authorization and settlement process
While you perform the quality check on the health insurance plans, look for reasons why do you think buying health insurance is important for you?
Here are few factors that can help you decide how to select the best health insurance plan-
1. Buy health insurance when young and healthy
It is common practice among young individuals to avoid buying health insurance as they think they do not need it. But the health landscape is fast-changing. With the increase in the incidence of lifestyle diseases and infections rising to epidemic proportions like the swine flu and dengue outbreaks, it becomes vital to protect yourself even at a young age.
Benefits of buying medical insurance at a young age
· You are covered against health contingencies
· You have to pay a lower premium
· You can ride over the waiting periods while you are healthy
· You avoid the risk of your proposal being rejected by health insurance companies on account of your health condition
Younger you are, lesser will be the amount of premium- An individual’s age is the major deciding factor for the calculation of health insurance premium.
2. Take advantage of the waiting period
Nearly all health insurance policies has a waiting period for 2-3 years for certain pre-existing diseases.
When you buy a health insurance cover early in life, you can easily take advantage of the waiting period rather than serving it at a later stage when your health risks may have increased substantially.
3. Understand limits and exclusions
Most health plans have sub-limits on room rent, surgeries, ICU charges, operating charges and other medical procedures. Opt for policy without sub-limits; it may have a higher premium; it is much better option in a long run.
Under co-payment, the policyholder bears a pre-defined percentage of the claim amount while the rest will be settled by the insurance company. While you may find the insurance plan to be quite cheap, it may not offer you compete coverage.
4. 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.
5. Choose adequate sum insured
According to a study we conducted among Apollo Munich policyholders across India, 51% of people were underinsured! Underinsurance is a widely prevalent concern across the nation. People opt for a lower sum insured to save on premium, not realising that they are keeping the gates open for a potential financial crisis in the future.
Consider all your personal priorities and liabilities, before you buy a health insurance policy to make an informed choice.
Choose the policy that is in line to your by giving due consideration to factors like your age, age of all your family members, increased health care costs, etc.
Also, when choosing a sum insured for your health insurance policy, keep in mind the increasing occurrence of lifestyle diseases among the youth.
6. Fill up the proposal form yourself
Most questions asked in a proposal form personal in nature. Thus, in order to give the right piece of information, one should fill up the proposal form first-hand.
Furthermore, for the insurer to be able to underwrite the policy in an appropriate manner, it is required all the details furnished are correct and true. 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.
7. Hospital network of the insurance company
While selecting the right health insurance plan, review the list & details of the hospital network of the insurance company. An insurer with an extensive list of hospitals in its network across cities should be your prime criteria of selection.
8. Understand your health insurance need well
Consider if you want to buy individual policies for all family members or a family floater policy for all.
For 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 come at a marginally incremental premium.
9. Claim limitation related to treatment
Carefully note the treatment-respective limits in your health insurance plan. 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.
10. Opt for additional coverage
Add on covers like Maternity Cover, Critical Illness Rider can be bought along with standard health insurance plans to give additional coverage for your specific needs.
11. Clearly 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 requirements, payment options, special conditions, coverage and exclusions.
12. Gradual increase in sum insured
In the present days, when medical inflation is rising at a rapid scale, as a precautionary measure, it would be best to keep on enhancing the sum insured of your health insurance plan from time to time. You should also compare various policies available from an insurer. You can also speak to your insurance advisor to know what is the apt sum assured for you and your family.
13. 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.
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.
How to read the fine print of the policy document?
One thing most health insurance buyers should understand is that the ‘devil lies in details shared in a policy document’. You miss a detail and devil is there to thwart you – moreover, it could cost you a cancellation of claim.
So, what is policy document?
Well, the policy document outlines what the policy intends to do, the benefits/exclusions it has. It is the key source of information for new policyholders regarding the objective and fundamental attributes of the health insurance policy they have bought.
The policy document records all the scheme details and give a thorough understanding of the
claim process (authorization/settlement), documents required, payment options
Importantly, one must pay attention to the coverage norms like-
1. Room rent limit
- The limit puts a cap on per day room rent policyholder can claim, which is linked to the sum insured (total coverage) h/she is entitled to.
- A fixed room type definition such as a “shared accommodation” only
Note: room restriction does not only limit the reimbursement on your room rent fees but also proportionately reduces your eligibility of payout for all other charges such as surgical fees, consultant charges, operation theatre charges etc.
- Applies to specific charges on coverage such as doctor fees or surgical fees.
- The sublimit may be applicable on listed illnesses/diseases, for example cataract would be covered only up to a certain amount irrespective of the total sum insured.
Note: such restriction may impact your payout at the time of claim.
3. Copay / deductibles
- Copayment is the percentage of the total claim amount i.e. payable by the insured out of the total claim submitted.
- Deductible is the rupee amount you would have to incur or pay from your pocket before the insurance plan would come into effect.
4. Waiting period
- Waiting period applicable on listed illnesses or diseases
- Waiting period applicable on pre-existing illnesses
- All policies apply a waiting period against treatment due to illnesses or diseases. Waiting period is restricted to 30 days post the first time issuance of the policy. In certain policies, waiting period can extend up to 90 days.There is no waiting period in case of claims due to an accident.
5. Lifelong renewal
As per the latest guidelines, all health insurance policies are required to offer lifelong coverage. However, certain policies issued prior to the regulatory issuance of guidelines, still offer coverage only until a certain age of an individual.
No lifelong renewal in a policy may prove detrimental in the long run as the lack of health insurance may not be there to support you at an elderly age, which is when you require health insurance the most.
Top myths about health insurance?
For long, several myths about health insurance has persisted, which is quite a big challenge for industry people. It is because due to the prevailing misconceptions about health insurance, they leave people generally, apprehensive about their decision to buy the one.
Myths about Health Insurance have persisted for long, which is a challenge to clarify. But it is important to check the facts before relying on the information you might have heard from your friends or read somewhere. It is important to understand, who is asking and who is answering it.
During our survey, we found that 50 to 60% of working class population in India have Health Insurance, but there are very few who can comprehend its value.
So, before you set out to seek a fresh health insurance cover or assess your existing coverage, we help you shatter few of the health insurance myths.
1. Health insurance is for use in old age, which is also the right time to buy it.
We are living at the peril of the sedentary lifestyle. The unpredictability of contracting cancer and other major illnesses at a young age has made it more than obvious that we just cannot ignore the health risks, which may befall us.
The reality is to wait for too long to buy health coverage is likely to make us face the risk of not being accepted into the insurance fold. In case you are accepted, you will have to pay a higher premium and would have to go through the waiting periods till all your pre-existing conditions and initially excluded diseases are covered.
2. All healthcare expenses will be covered under health insurance.
Most health insurance plan have their own set of exclusions, inclusions and limits. Thus, it is important to look for all the details regarding what are the expenses covered in a health insurance policy you intend to buy.
3. I am covered under the group health insurance. So, there’s no need for individual cover.
An employer-sponsored health insurance offers coverage to a group of people. However, complete reliance on this type of coverage is not a prudent move as it might not be enough to take care of all the medical expenses and may not cover all family members.
Also, in case you wait to apply for an independent health insurance plan till you retire, you would have to pay a much higher premium because of your age. Also, in case you counteract a chronic disease, your premium would be loaded.
In even the best health insurance policies in India, the maximum age for entry and the maximum sum insured at an older age are restricted.
Senior citizen plans come with a high premium tag.
Limitations under a group health plan-
-Limit/restrictions on most vital elements of a health plan like hospital room rent, pre- existing disease, copayment and sub-limits.
-Limited sum insured options-1 Lac to 3 Lac.
-Occurrence of factors like termination of employment, switching to another job, change in company policy will mean no insurance coverage at all.
4. My health insurance premiums will remain static.
Hospitalization expenses, cost of medication, and healthcare services are few things that directly impact the rise in medical inflation. This in turn, will affect the amount of premium at the time of renewal.
But keep in mind that, as per IRDAI regulations, no health insurance company is allowed to increase your premium because you made a claim in the previous policy year.
Health insurance plans may also offer you a cumulative bonus, i.e., a discount for not making any claims in a policy year. Apollo Munich’s Optima Restore offers up to 100% no claim discount in two claim-free years.
5. Pre-existing diseases are covered after the given waiting period. Thus, they need not be declared in the proposal form.
One should never hide any information or overwrite on the proposal form. Thus, it is important to declare pre-existing diseases upfront at the time of buying health policy.
Inadequate information or exclusion of medical conditions may lead to issues of delayed or non-payment of claims at the time of need. Declaring pre-existing medical conditions is a wise step as you can be assured of getting complete coverage after the waiting period is over, instead of being half-covered by your health insurance policy.
Excellent Health Insurance Plans..!! I think Apollo Munich Health Insurance Company is one of the best heath insurance company in India. I am very happy and satisfied with it's health plan. Thanks
Apollo Munich health insurance plans are Marvelous. The policies offered by them are really good. Recently I had been to the branch for adding my wife's name in the policy document and the process was very quick and that happened instantly. I am getting reminders from them on time and several options are available to make the payment.
Smooth processing, immediate response. I think I made the right choice by choosing Apollo Munich Health Insurance Company as my insurer. Thanks for all the support.
What I like best about Apollo Munich Health Insurance is that it’s easy to contact them. They give quick, useful replies when I call or mail them. I like the Health Jinn app too. It’s great....I can quickly check the network hospitals..show my e-card on the app itself…nice app!
I love the Stay Active reward system that comes with the Optima Restore health policy. My entire family is really excited about increasing our daily step count. It’s now a friendly competition where we compare each other’s step count at the end of the day. Thank you Apollo Munich for making us health-conscious….great innovation, guys!
Apollo Munich’s health and wellness portal and Healthline are very useful. My health insurance policy feels like a wellness and health policy. My health has improved very much since I have been with Apollo Munich. I am walking 10,000 + steps every day to get discount on renewal premium. Hope I am able to get it!
One of the things that I really like about Apollo Munich is that their medical policy wording is very clear. All policy terms, features, exclusions, etc. are mentioned clearly also. Had no confusion about my health policy coverage and all. With Apollo Munich, one knows what to expect and that is great. Superb great!
Apollo Munich is a genuinely fast health insurance company when it comes to cashless health claims. I had my claim authorised in less than 1 hour. I Was so worried about the documents…how everything works…but these guys were helpful and everything went smoothly. Thank you Apollo Munich…
One of my friends suggested Apollo Munich to me for buying health insurance. I went with his opinion and purchased a health policy that covers my entire family. The purchase was made easily and my request was processed within a day. 4 years of policy have been completed and I am really happy with Apollo Munich’s services. I have personally used the customer care support many times to clarify my doubts and I am really happy with their fast and accurate reply. The settlement of claims was also made quickly at the time I met an accident. The cashless hospitalization feature helped us a lot in emergency. Thank you for amazing services. I am so happy my friend made the right suggestion.
The team at Apollo Munich was highly co-operative and good at their work. We would like to thank them for their assistance as the sales executive was very patient, knowledgeable and explained me certain terms of my medical policy and recommended which is the best option to choose. Thank You team. I am happy with my health insurance policy.
I bought the Optima Restore Family Floater medical policy from Apollo Munich. In the second year of my policy, my wife was hospitalised and my entire 3 lakh cover got finished. But Apollo Munich restored my cover, without taking money. This is great feature of any health insurance plan. It is like having two health insurance policies at price of one. The Stay Active program under Optima Restore is motivating also. We try to walk every day now. We are feeling healthy. Thanks Apollo Munich!.
It has been two years since I heard about the Health Insurance policies provided by Apollo. Last year, I bought one of the health insurance plans for one year on my brother’s suggestion. I purchased the mediclaim policy in which my complete family was insured. It was an easy task to buy the health insurance online as my application for the policy was accepted instantly. The policy card was also received within the given time period. They provide the best service as they are always available to clear our doubts. When I met with an accident, there was no problem faced while getting my cashless claim authorised. I even faced no problem while renewing my medical insurance. I am happy and satisfied by the services of Apollo Munich. I will recommend it to my friends and families. .
The health insurance plan provided by the company is excellent as it benefited me and my family in various ways. Our policy covers 4 members of my family. The medical insurance helped us to get cashless treatment option which is very simple. When my daughter got ill, we quickly got help from the team. The cover of my mediclaim policy is 3 lakhs and it provided good medical cover at the time of emergency. The customer service is also good, they respond quickly. I would indeed say that it is the best choice for an individual to purchase health insurance from Apollo. It is totally satisfactory to make your life secured by buying the health policy from a well-known company like Apollo.
It has been a few years since I bought one of the health insurance policies provided by Apollo Munich. I am still enjoying the benefits of the medical insurance. When I was admitted to the hospital in an emergency, the settlements were made quickly. The ambulance provided was also free of cost. The yearly premium deposited is not very high. I am very pleased with the policy which helped me both during my accident and during my illness. Overall, the services provided by the service providers at Apollo Munich is the best as compared to the rest of the health insurance companies. The health insurance plans are very satisfactory. I am very happy with my individual mediclaim policy so I have decided to purchase the Family Plan now. Well done guys!
I am delighted with Apollo Munich medical insurance for their good and timely response to claims. I cannot thank the support staff enough because of whom a smooth cashless hospitalization was possible. The team helped us thoroughly from the initial claim to the final clearance and discharge procedures. All I needed to do was to provide them details about my cashless card number from my phone and they took care of everything else. Thankfully, I did not have to do any running around and received all details confirmations via email. I am thankful because everything was done without a single call to Apollo Munich team asking for any sort of help. The best health insurance Company, which has no lengthy process to clear the claims. Hope it will continue for years & years. All the best.
A couple of weeks back, my wife was admitted to the hospital owing to a minor accident. This was my second experience with Apollo Munich and I am pleased to tell you that I was impressed with their response time. Their team quickly got in touch with me once I placed the cashless claim request. I like the customer friendly policies. I have personally experienced several delays in the past with health insurance policies of other companies. Either the approval is slow or there is a need to follow up constantly if you want them to respond or process your claim quickly. Thankfully thanks to Apollo Munich and their team, I did not have to go through that annoyance all over again. Great Job Team and keep up the good work! Thank you!!
I was actually tired of running from pillar to post during my previous policy following which I decided to change my health insurance provider and hence considered Apollo Munich on my friend's insistence. He had a pleasant experience dealing with them so I thought why not give them a try.So I immediately looked up their website. Their website was detailed and pleasant to look at and I quickly filled out the get a free quote column. This was my first experience of buying insurance online so I was a bit confused how good and efficient the process would be. To my surprise, I received a call back immediately and call centre team explained everything in detail. I went ahead and purchased a mediclaim policy as the team was patient enough to answer all my questions. Although I was convinced, I still checked online for comparison and found this policy is undoubtedly the best value for money and service. I am happy!
I chose Apollo Munich after doing extensive research and I decided on this health insurance company after stacking up a lot of insurance companies against each other. I personally was of the belief looking at the reviews and features that Apollo Munich won hands down at least for me. I contacted their team and got myself a mediclaim policy. Most importantly, the application procedure was incredibly efficient requiring just filling out a short application form to get my coverage in force in a very short period of time. I also had a small claim and was pleasantly surprised to see a good and timely response to claim settlement. Unlike companies who are behind the customer for health insurance policies and run away from when it came to any issue resolution, the response from the company was good. Looking forward to continue my policy.
I found Apollo Munich through an Internet search and was extremely happy with the timeliness and responsiveness with which the team handled my health insurance requirements. As a self-employed professional, the agent worked with me patiently to find the best mediclaim policy for my needs. I also found that they have always been extremely quick to respond to any questions and issues whenever they arose. I have recommended Apollo Munich to several of my colleagues and will continue to do so and would never change my policy. Thankfully I have never had claim-related work and never want that to happen either. However, if that day comes, I am sure Apollo Munich won't disappoint me in this aspect either.
Apollo Munich provides various Health Insurance policies to its customers. I purchased health insurance plan this year for me and my family which included cashless hospitalization. I was very much benefited by the cashless hospitalization as when I met with an accident all my medical bills were paid by the insurer due to mediclaim policy. I was also informed about the discount on the premium that I will get on a 2-year policy of the family plan. Their medical insurance policy is also praised by my friends as they have purchased it and have been benefited from it. According to me, Apollo Munich provides the best service to its customers. I am very much thankful to them for their wonderful services. In future, I will purchase and try other plans given by them.
After so many years of thinking, I finally purchased Health Insurance. However, I was not so sure about the insurance so I asked my advisor who recommended Apollo Munich Health Insurance. Apollo Munich is one of the best insurers in Medical Insurance. I faced no problem in getting my claimed amount. Apollo also provides its best offers to all those who are connected with them as it offered me to choose its best offers that would cover my family at low cost. The cashless hospitalization facility is also very good. I had an amazing experience with Apollo Munich and hope that it continues to offer its best to its customers. Truly deserves 5-star for being so reliable.
There are many companies providing us with Health Insurance facilities but according to my experience, Apollo Munich provides various and the best insurances with affordable options. It’s been 5 years since I purchased the Health Insurance Policy from Apollo Munich. I was provided with a plan from the company where I work and it covers 3 members of my family including me. But I felt that for greater peace of mind, I should get a higher cover that lasts even when I don’t have a job. So I chose an Easy Health Family Floater policy of Rs. 7.5 lakhs for myself, my wife and my son at just Rs. 11,950 This policy provides AYUSH benefit, emergency ambulance cover and many other benefits. I have indeed decided to continue this policy as it provides its best to its customers and I am satisfied with it. Special thanks to Apollo Munich Health Insurance for their support...:)
A company’s fame and its goodwill give it a position to be stable in the market. Same happened with Apollo Munich Health Insurance Company. Its goodwill established as it provided its best to its customers and built their trust. I checked many reviews of Apollo Munich Health Insurance and consulted my friends whether to buy it or not and they recommended me to buy it. It’s been 2 years since I am a customer of this Insurance Company. I have been provided with so many facilities such as online health assessment, health newsletter, helpline service and lots more. The staff service is fast and helpful as I got solutions to all of my queries and doubts without any delay. I will surely recommend it to everyone.
Nowadays every individual is purchasing health insurance so as to keep his family secure from any problem. I am amongst those who purchased health insurance from Apollo Munich. I am very much satisfied with their service at the time of emergencies. I have got my policy renewed thrice by now. Last year, when I was operated for appendicitis, all my medical bills and treatment money was recovered from the insurance. I haven’t tried many of their services but I am thinking to purchase some more insurance plans and policies that would benefit me in other ways also, such as Optima Vital- their plan covering critical illnesses.
I purchased Apollo Munich Health Insurance Plan recently. I am very happy by their services till now. Apollo Munich Health Insurance Policy coverage is high and premium is affordable. The medical claim policy is even better and easily issued because of the smart online process and fast service facilities by the executives and staff members. The company provides me great services. All the bills and treatment is covered in the health insurance policy itself and even emergency ambulance charges are covered. The health plan that I have is very beneficial with several plus points. The customer service is really nice. I will recommend Apollo Munich health insurance plans to my all friends as I know that Apollo is reliable and it will maintain its good services. Thank you Apollo Munich!!
Apollo Munich health insurance is good. My mother-in-law suggested me to take a medical insurance with Apollo Munich. It is an Optima Restore Family Floater insurance plan with total medical coverage value of about 5 lakhs and it covers my family of four. Cashless treatment is available at a large number of hospitals across India. They are giving good customer support. The service provided is quite better as compared to other insurers. They completed my claim process within 7 days only. I love the way they treat their customers. Overall a great plan. It has been a satisfactory experience
Hi friends, here I want to share my experience with Apollo Munich about medical insurance. My friend who is working recommended me to take up this health insurance and it’s the best decision I made till now. I was very confused about how the insurance works and the application process. But Apollo Munich’s customer service team answered to calls not only the first few days only but they were also helpful for clearing up all my doubts. I have made two claims till now and the claim process has been very smooth without any issues which make it very much worth it for the customers. The premium and range of plans are comparatively excellent as well. Overall I am extremely satisfied with this health insurance plans and it has proven very useful for me.
Hello Everyone! I am here to share with you my personal experience for using Apollo Munich medical insurance policy. I have used this mediclaim policy for approximately one year and I am pleased to say, my experience for using it has been really great. I am very happy and satisfied with the service and promptness of this insurance company. The customer care service of this insurance company has been always good and prompt and they have always answered all my questions properly. The health insurance claim procedure has been smooth while the premium of this insurance policy was also very affordable for me and my family. The attitude of the staff has always been good and helpful. Therefore, according to my experience I will definitely recommended everyone to secure their health with this health insurance company. Thank you Apollo Munich
I was covered under Apollo Munich’s group medical insurance plan as a corporate tie up with the company I work for. My company has been providing me Rs. 6.50 Lakhs mediclaim policy coverage and this has proven to be more than sufficient for my needs. I have to admit that despite being a corporate policy, the customer care team have always been diligent and quick whenever it came to answering all my questions. I have also been very impressed with the large number of hospitals in this package which I have to admit is pretty impressive as well. I have had a claim experience with Apollo Munich only once up till now and I am pleased to inform that it was not only completely cashless but also completely hassle-free.
Just wanted to touch base with everyone about my personal experience with Apollo Munich mediclaim policy. I was in the process of getting my finances together in order to buy a health insurance when I stumbled upon this company. I had spoken to six other companies and the primary difference is that, personally, I got a really great feeling after speaking with their customer care department. The other companies I spoke to sounded like agents with only one mission; to sell blatantly without any sort of commitment. So, with that being said, it was a very easy decision to make as I didn’t have to even gather up a lot of money as their range of health insurance policies fit well within my budget as well. I will definitely recommend this health insurance company to everyone without thinking twice. Thank you Apollo Munich team for your time and honesty.
An Apollo Munich mediclaim policy has been provided by my company and this policy covers me, my spouse and my parents. I have to admit the first thing I look at when I look at a service provider is if their employees excel and enjoy doing their job and if they really stand out and make the process of obtaining a service enjoyable. Initially, when I first contacted Apollo Munich for medical Insurance quotes, the customer care team was very personable and extremely easy to talk to and more importantly, genuinely seemed to care. Thank you so much for helping us with our medical Insurance as we were very pleased with your explanations and competence. The customer service team’s honesty and the fact that they explained everything in detail was appreciated. I wouldn’t hesitate to recommend Apollo Munich to all my friends and colleagues
I have dealt with several health insurance companies in the past. But in my experience, no other company has been so kind and helpful in getting me medical insurance. I was very sceptical in the beginning because of my past experiences. However, I tried talking to a friend and he asked me to contact Apollo Munich. After that, I read about their plan and felt it was perfect for me. After contacting their team, I found they worked hard to get me a great and reasonably priced mediclaim policy that works for me personally. I honestly was not expecting it to be such a painless and easy process to get a superb health insurance plan. I found the customer service team to be very patient and easily available for questions and follow up. I really do appreciate all their help!
I have Apollo Munich medical insurance since the past 9 months. Till day however, I have never had any claim experience. My policy coverage has the medical claim up to Rs. 3,50,000. This mediclaim policy covers me and my family members. The life of everyone is uncertain so to protect against uncertainties there is a need of having a good medical insurance which can help us to get out of difficulties at the time of risk. But for my parents and for myself on total I can claim up to Rs.9,00,000. I am satisfied having the health insurance policy with Apollo Munich.
This review is all about Apollo Munich Health Insurance. I am happy to report that I am really with happy their services. I have taken out the mediclaim policy just a month or so ago for my parents as they are suffering from diabetes.Their first interaction with the customer care was very good and they simply said that I can avail a policy for them after getting the medical done. They were also very detailed in informing me about the loading amount and all other charges as well. Whenever I had any doubts, I just called their customer service team and theywere more than willing to help me understand all things without any problems. I have received my soft copies for all the policy documents and I am really pleased with the services. I will not hesitate to recommend this company to all my family and friends.
If you are looking for an insurance company to cover your health, you should definitely opt for Apollo Munich which fulfils all your medical insurance requirements with fewer holes in your pocket. I am satisfied with Apollo and they have been extremely helpful and provided quick support with friendly customer-care associates. I think I have made a great choice and would recommend everyone toat least visit their website and see if their policies fulfil your health requirements. Their policies are customer friendly and the staff was courteous and helped get my mediclaim easily without any hassles. I would certainly recommend Apollo to everyone. So, list down your requirements and accordingly choose the best mediclaim policy and don’t forget to read all terms and conditions before buying any policy.
Apollo Munich medical insurance has one of the best customer services I have ever experienced till date. They have a bunch of well-informed customer care representatives who answer all your queries immediately and most importantly, professionally. My experience in processing my claims was also very good as they were highly professional and at all times very respectful in their approach. This health insurance policy has been a great experience so far. Further, they have agreat online presence which really helps save valuable time and energy. Their wide portfolio includes annual health check-ups and cashless treatment any much more so make sure to pick one which best suits your needs.
The greatest benefit of taking a policy with Apollo Munich is the cost benefit it gives its members.All policies are well priced to pay and you will have to pay lower premium for excellent coverage.This is the best health insurance company when it comes to features as they provide cashless payments as well. For processing claim, all I was required to give was mymembership number and PAN card. Rest was all handled by the diligent and professional team. They even sent frequent updates on my phone and followed up over the phonethus assuring me that the claim process has been initiated. Really great experience as I have experienced the quickest coverage in medical insurance. Moreover, the claims settlement ratio is pretty good and most of the exclusions are pretty standard across all their policies. Keep up the good work Apollo Munich team! Cheers!
I still remember the first time I was looking to buy a medical insurance covering my entire family. I had gone through several policies offered by various companies hoping to find the top health insurance policy best suited for my needs. Eventually, I ended up was getting confused. Then a colleague of mine recommended me to look at the mediclaim policy offered by Apollo Munich. I browsed through their web site and was satisfiedwith the clarity and simplicity with which they had described all their products. I called their customer care team and the associate politely listened and answered all my queries. He also advised me to buy the policy online and guided me through the steps which were very easy. Needless to say, I am completely happy with the service rendered by Apollo Munich.
The best feature that I liked about Apollo Munich health insurance is its cashless hospitalization facility. I don’t have to worry about paying the money and then waiting for few months to get the claims processed and get the money reimbursed. Its health insurance plans are simple, cost effective and an excellent customer service team. Touchwood, I’ve not yet had to process any claims but getting a mediclaim policy issued was piece of cake and since then I’ve been renewing my medical insurance with Apollo Munich, added a family floater have been recommending its health insurance policies to my friends and family. I recently had to clarify a few terms of the policy with the customer service team to which I experienced that their response time was quick. No ifs and buts, they simply cleared all the doubts that I had and were very professional. I’ve nothing but good words to say about Apollo Munich health insurance. Thank you very much!
When compared with the services that Apollo Munich health insurance provides, its health insurance plans are very low cost. If you ask me for better insurance policies, it might be possible you find one as I’ve opted for its most basic medical insurance. But if you ask me which one costs the lowest it would definitely be the one associated with Apollo Munich health insurance policies as far as my experience goes. Apart from the low cost feature its customer service desk provides quality service and quick responses. I recently made my first claim on my mediclaim policy so I was clueless about how the claims get processed. The team guided me thoroughly and the claims were processed without any hassles. I also learnt that its insurance policies are accepted widely across the hospitals here in Ahmedabad, which ultimately would also be the case with other cities. Thanks Apollo Munich. I can now leave my medical worries with you guys.
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