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Apollo Munich logo -  Cancer Plan

Health Insurance and personalized
management plan for diabetics from Day 1

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  • Wellness Program
  • Get a personalized health coach and two health checkup’s every year with customized diet and exercise plans.
  • Co Pay
  • A Co-payment of 20% would apply on the amount claimed and claim payment, if any, shall only be in excess of that sum.
Gross Premium for 1 Year

Rs. 20420

Get 100% Money Refunded in 15 Days, If Not Satisfied

Features & Benefits

Sum Insured options INR (in lakhs) 2,3,5, 10, 15, 20,25,50
Restore Benefit Available

In Patient Treatment such as

Nursing, ICU(Intensive Care Unit), Anaesthesia , OT(Operation theatre), Medicines, Diagnostic procedures

Day Care Procedures such as

Cancer Chemotherapy, biopsy, Coronary angiography, Haemodialysis, cataract, Nasal sinus aspiration

Up to sum insured
Pre-Hospitalisation 30 Days
Post Hospitalisation 60 Days
Organ Donor Medical treatment of the organ donor for harvesting the organ, including surgery to remove organs from a donor in the case of transplant surgery
Wellness Program Health coach, Regular medical monitoring ,Diet and fitness plan
Reward Program Get premium discount up to 25% for staying healthy
HbA1C Checkup Benefit Reimbursement up to Rs.750 twice a year
Emergency Ambulance INR 2000 per hospitalisation

Energy Is Not Just a regular Health
Insurance, It’s a Complete Health
Management Program

Get Insured

Wellness program and personalized health coach to help you monitor and manage your health

Personalized Web Portal

No waiting period Day 1 Cover

Get coverage from Day One for all hospitalization arising out of Diabetes and Hypertension

Two Wellness Tests to keep a tab on your health

Personalized Wellness program

Health Coach helps you to develop personalized improvement plan (Diet and Exercise plans), establish clear health goals with timelines, understand your health based on Wellness tests and update your Health Pal on your health status and goals.

Two Wellness Tests to keep a tab on your health

Health Checkup Benefits

Wellness test 1: HbA1c, blood pressure monitoring

Duration: 4th to 5th month of policy

Wellness Test 2: HbA1c, FBS, Total Cholesterol, Creatinine, HighDensity Lipoprotein (HDL), Low-Density Lipoprotein (LDL), Triglycerides (TG), Total Protein, Serum Albumin, GammaGlutamyltransferase (GGT), Serum Glutamic Oxaloacetic Transaminase (SGOT), Serum Glutamic Pyruvic Transaminase (SGPT), Billirubin, Total Cholesterol: HDL Cholesterol, ECG, Blood Pressure Monitoring, BMI)

Duration: 8th to 9th month of policy
No Claim Bonus

No Claim Bonus

Get a 10% increase in your basic sum insured for every claim free year up to a maximum of 100%. In case a claim is made during a policy year, the cumulative bonus would reduce by 10% in the following year.

Two Wellness Tests to keep a tab on your health

Stay Healthy get upto 25% Premium Discount

Stay Healthy and earn reward points based on the results of Wellness tests to avail Renewal discount and Wellness incentive.

Examination Type Reading Points
HbA1c (%) – Half Yearly Examination Upto 5.99
6.00 - 6.50
6.51 – 8.00
HbA1c (%) – Annual Examination Upto 5.99
6.00 - 6.50
6.51 – 8.00
Blood Pressure – Half Yearly Examination 110-120/70-80
Blood Pressure - Annual Examination 110-120/70-80
Body Mass Index (BMI) 18.00 – 23.00
23.01 – 27.49
27.50 - 34
Total Cholesterol : HDL Cholesterol ratio upto 4.0
4.01 to 5.00
Diagnostic test undertaken Both ( Annual + Half Yearly)
Either ( Annual or Half Yearly)
Diabetologist consultation/General Practitioner One Visit 2
Total points Discount on renewal premium Renewal incentive
29-32 25% Reimbursement upto 25% of renewal premium towards expenses incurred on health care
25-28 20% Reimbursement upto 20% of renewal premium towards expenses incurred on health care
16-24 10% Reimbursement upto 10% of renewal premium towards expenses incurred on health care
8-15 5% Reimbursement upto 5% of renewal premium towards expenses incurred on health care
Less than 8 No discount No reward
Restore Benefit Feature

Restore Benefit

Get 100% instant addition of your basic sum insured, on your first claim. For example, if you have a cover of 10 lakhs, and you make a claim of 3 lakhs, you will now have 7 + 10= 17 lakhs, at the price of a 10 lakhs cover.

Avail Tax Benefit upto 30,000 u/s 80D

Avail Tax Benefit upto 30,000 u/s 80D

The premium amount paid under this policy qualifies for deduction under Section 80D of the Income Tax Act.

Personalized Web Portal

Personalized Web Portal

IHP- Personalized web portal for exploring healthy living, improving lifestyle, maintaining appointments, access and store medical reports, set reminders and set up alerts via sms/email for medicines and appointments

Personalized Web Portal

Wellness Incentive

Earn wellness incentive of an amount equal to renewal discount that can be reimbursed against the consultation, diagnostic, medicine or other health expenses.

Frequently Asked Questions

1. Who can buy this product?

This a specialized product targeted towards individuals suffering from Diabetes Type 1, Diabetes mellitus Type 2, pre-diabetes (IFG, IGT) and/ or hypertension.
No, it can only be offered to persons diagnosed with Type 1 diabetes, Type 2 diabetes, IFG/ IGT and/or hypertension
  • Energy, as a product, is built around wellness program as its core, which aims to inspire the diabetic/hypertensive to lead an active lifestyle through efficient diet management and exercise plan. Hence, it is natural to provide this plan to these people who need it the most.
  • This kind of a plan is not required for people leading a normal life. Regular & cheaper alternatives (without wellness management programmed) would be sufficient to cater the health insurance requirements.
Yes, this product is eligible for portability. Portability would be limited to the extent of previous sum insured + CB (if any) and waiting periods (2 years and PED) would be reduced based on number of continuous years of previous insurance.
The SI option offered is 2, 3, 5, 10, 15, 20, 25 & 50 lacs on individual sum insured basis.
Minimum entry age – 18 years and maximum entry age – 65 years.
  • The product has lifestyle management as its core where we would monitor the health of the individual over the period of insurance through wellness tests, inspire the insured to lead an active lifestyle by providing diet and exercise plans through health coach.
  • We also calculate wellness score based on the evaluation through wellness tests and award renewal discounts and incentives up to a max of 25% each. This would motivate the insured to maintain good health and there by earn returns.
The following are the waiting periods applicable on the product
  • 2 years waiting period for specified illnesses
  • 2 years waiting period on PEDs
  • Please note that there is no waiting period of 30 days applicable, further the PED waiting period does not apply to complications associated with diabetes and hypertension.

Yes. All proposals would be subject to a Pre- policy Check. PPC would be done on a cashless basis.
Age\SI Rs. 200,000; 300,000; 500,000, 10,00,000, 15,00,000, 20,00,000, 25,00,000 & 50,00,000
18-45 Years Medical examination report, HbA1c, Urine micro albumin, Total Cholesterol, Total Protein, SGOT, Serum Creatinine, Tread Mill Test
>45 Years Medical examination report, Tread mill test or ECG with 2D ECHO, Lipids, Serum Creatinine, Liver function test, Ultrasonogram Abd, HbA1C, Urine micro albumin
ME = Medical Examination (Report), FBS = Fasting Blood Sugar, Lipids = Lipid Profile, Sr Creatinine = Serum Creatinine, PSA = Prostate Specific antigen, RUA = Routine Urine Examination, TMT = Treadmill Test, USG = Ultrasonogram, SGOT – Serum Glutamic Oxaloacetic Transaminase, HbA1c – Glycoslated Hb, Total Proteins = Serum total protein, Microalbuminurea = Urine Albumin
Product offers 4 plan options
  • Gold without Co-pay
  • Gold with 20% Co-pay
  • Silver without Co-pay
  • Silver with 20% Co-pay

*Tax benefit for senior citizen.

*Gross premium of Rs.8,195 divided by 365 days= Rs.22.45/day. Premium is exclusive of taxes, for age 36-45 years.