At Apollo Munich Health we constantly strive to develop insurance products that may complement your Health & lifestyle needs. Introducing INSURE HEALTH the simplest way to buy Health Insurance from the company that cares about keeping you healthy.

Insure Health is an inpatient EASY TO BUY Health Insurance product that is specifically designed for you who understand the need for good health and would opt for a health insurance cover that is easy to buy and use.  Insure Health brings you the simplest buying process devoid of any lengthy procedures such as medical examination etc. You can buy Insure Health from any of the Apollo Munich Health counters by filling a simple proposal form* and getting it authorized and activated at the counter itself. Insure Health comes with various Sum Insured options to suit your budget and suffice your health insurance needs.

*Policy would be issued at the point of sale for accept cases and any adverse declaration will result in rejection.

Who all can opt for Insure Health?

1. The policy can be issued to an individual and/or family for the period of 1 year.
2. The family includes spouse, dependent children and dependent parents.
3. The policy covers individuals from the age of 5 years onwards. A child dependent can be covered from the 91st day if both parents are covered under this policy. The maximum entry age is 50 years.

Premium

Our premium for Insure Health depends on age of the Insured person and the Sum Insured option he/she chooses. Please refer the detailed premium table as below.

SI- Sum Insured

Benefits

Benefits you can access through Apollo Munich Health’s Insure Health are:

1. In-patient treatment: This includes all hospitalization expenses.
2. Pre-hospitalization: Through this the insured is eligible for lump sum amount equivalent to 1% of admissible claim amount towards pre-hospitalization expenses. 
3. Post-hospitalization: Through this the Insured is eligible for lump sum amount equivalent to 1% of admissible claim amount towards post-hospitalization expenses.
4. Day-Care procedures: This provides the insured with the cover for the medical expenses for 140 Day-care procedures which do not require 24 hours hospitalization due to technological advancement.
5. Organ Donor: This entitles the insured for the medical expenses incurred for an organ donor’s treatment for the harvesting of the organ donated.
6. Ayush: The Insured can avail Medical Expenses for in-patient Ayurveda, Unani, Sidha and Homeopathy treatment up to 10% of the Sum Insured.

Points to remember

1. a. Room rents have sub-limits based on the table below:
    

Sum Insured per Insured person per Policy (Rs.)	25,000	50,000	75,000	100,000	200,000
Room rent per day (Rs.)	500	500	750	1,000	2,000
ICU rent per day  (Rs.)	1,000	1,000	1,500	2,000	2,000



2. The policy offers coverage on individual Sum Insured basis only.
3. The cover ceasing age in this policy would be 75 years.
4. Co-Payment of 15% will be applicable for each and every claim under this policy.

Discounts

1. A family discount of 10% can be availed if 2 or more members of a family are covered under the same policy on Individual sum Insured basis.
2. Loyalty Discount of 5% on the renewal premium of the Insure Health Policy can be availed at the time of renewal, as a cross selling credit to buy any other Apollo Munich product within 365 days from the renewal date.

How does the authorisation code generated and policy gets activated?

Your Insure Health Policy has to get activated at the point of sale through the agent who will generate an authorization code for you:

1. Agent will call Our Contact Centre at 1800-102-0333 and provide few basic details.
2. The contact centre generates the authorisation Code over the phone and provides it to the agent.
3. Agent writes the authorisation Code on the policy cum proposal form and hands it over to you along with the kit.

Key Exclusions

• Any treatment within the first 30 days of cover except for accidental injuries.
• Pre-existing conditions will not be covered until 48 months of continuous coverage have elapsed since inception of the first Insure Health Policy with Us.
• Abuse of intoxicant or hallucinogenic substances like drug and alcohol.
• Expenses arising from HIV or AIDS and related diseases.
• Hospitalisation due to war or an act of war or due to a nuclear, chemical or biological weapon and radiation of any kind.
• Experimental, investigative and unproven treatment devices and pharmacological regimens.

For complete list of exclusions click on the link

Terms of Renewal

• We offer 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 – Maximum cover ceasing age in this policy would be 75 years.
• Cumulative Bonus – No cumulative bonus is offered under this policy.
• Waiting Period - The Waiting Periods mentioned in the policy wording will get reduced by 1 year on every continuous renewal of your Insure Health policy.
• 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, no Pre Policy Check-up will be required but the case will be subject to medical underwriting. 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.