Leave your Details
CLAIMS SETTLED Rupees 2,656 Crores Claims Settled from Inception till February 2017.
Claim Board
Sitemap > Health Insurance Articles > Insurance Policy > Good Insurance Policy
It is the human nature to desire for maximum benefits and paying little. Everybody wants to have a good insurance policy that could provide maximum benefits or health cover at the expense of minimum premium amount. 
A good insurance policy is the one that can look after maximum of your healthcare needs in times of need. It must be able to support you adequately while in need of any healthcare. But to decide on this scale the most important requirement is the close reading of policy details. An insurance policy is comprised of several different features. They differ from policy to policy. Therefore, close examination of all of them is extremely important. 
In the like manner, there might be several health insurance plans available in insurance market but they all vary in terms of benefits and kind of coverage they offer. Although they provide financial coverage against health risks but as the treatment differ as per the illness, policy coverage will also vary. In order to ensure that you get a good insurance policy, you need to have an eye on the following points:- 
  • Maximum Premium Amount - You need to decide on the maximum amount that you can pay out of your pocket as premium. This decision plays an important role in reaching to a conclusion of choosing the best plan.
  • Deductible and Co-Payment - You need to decide the largest amount of deductible and co-payment you can afford, as it will have direct effect on your premium.
  • Renewal Provision - It is never a wise decision to choose a plan that cannot be renewed. By getting the plan renewed you can enjoy insurance benefits for whole life. 
  • Coverage for Pre-Existing Diseases - Read the norms before making your final decision to learn about the waiting period for the coverage to pre-existing diseases.
  • Reimbursement Amount - Every clause regarding the reimbursement plays a significant role in your decision. 
Thus, keep a close eye over the above mentioned points, which will surely help you in choosing a good insurance policy. Ignoring such crucial features will be of no benefit to the buyer. Analysis of policies on grounds of all these parameter is important for complete understanding. In addition to that there are other important features like value added services, policy terms and conditions, and list of benefits. They all must be cross checked so as to take a wise decision. 
Another crucial feature to be kept in mind is that there is no one plan that can be titled as a good insurance policy. It is not necessary that a plan that is best for your relative or friend or neighbor will also provide appropriate coverage. However, the plan that can suit your healthcare needs and that can offer you maximum coverage adhering to your budget frame will be the best plan for you. It is thus advised to keep the focus on self health and related needs. Pertaining to that, the plan must be chosen. Only after the close reading of all the details you can take the right decision. 
Where on one hand, availability of numerous health plans offer wide range of choice, on the other hand people also get confused on seeing the number of plans. It becomes difficult for people to choose one amongst the several. To resolve this confusion, buyers are advised to exercise comparison of health insurance plans. By comparing the plans one can easily decide which policy can offer best coverage as per the need. With online provision, choosing a good insurance policy is much easier and uncomplicated. 
To make it simple for buyers, insurance providers have made all information available through online mode. With the help of insurance websites all of us can lay hands on all the policy details. It helps in selecting a good insurance policy without any complicated or time consuming paperwork. In order to make your choice easy, we at Apollo Munich Health Insurance Company (a joint venture between Asia's largest integrated healthcare group, the Apollo Group of Hospitals, and Germany based Munich Re's newest business segment, Munich Health) take care of all your healthcare needs and thus makes provision accordingly. To enable customers develop true understanding of the available products, all information is made available in simple policy wordings. This has uncomplicated the process. Without any hidden clause, authentic details are readily accessible. With this you can get a clear idea about all the covered and uncovered benefits of the policy. 
We are sure that our products will suit your needs as all of them are intelligently designed to provide health coverage, keeping an eye over your health needs. We have emerged with our various plans, Easy Health, Easy Travel, Personal Accident, Insure health and Maxima to provide you innovative healthcare solutions. Optima Restore- Unbelievable plan with unique insurance benefits and Optima Senior- a plan exclusively for senior citizens. With such immense variety we have wide ranging healthcare solutions. You can select the plan as per your need.
Besides this, there is a provision of health insurance for individual, family, group as well as for seniors. It makes easy for all to get themselves covered under the shelter of insurance for health. A good insurance policy will ensure adequate support in times of need. 
Request A Call Back
 I have read and agree to the Terms & Conditions. I authorize Apollo Munich Health Insurance and associate partners to contact me via email or phone or SMS. 

AN ISO 9001:2008 CERTIFIED HEALTH INSURANCE COMPANY