Antony Jacob inputs How to Insure your Health

Your health is one of those things you so easily take for granted. I mean, you just have it. It's not something you earned so you don't bother to take care of it, till it's not there anymore. Of course, in the rare event that you do fall sick, you have it all covered. Your partner's job has great perks and Mediclaim's included! But is that really enough? No!

Here are some reasons you need to have your own health insurance policy:

Why your husband's policy is not enough!
• Do you know what the No.1 reason for hospitalisation is? Of course, it's pregnancy! However, the plan / benefit structure of group health insurance policies are customised to suit corporate needs and usually don't cover pregnancy.
• Even if it does, what if your husband really needs to change his job right about the time you are going for your delivery? Worse still, what if he gets fired?
• A mediclaim policy provided by a company will extend upto the day he retires at the most. If you get an independent health insurance policy after that you will have to pay a much, much higher premium thanks to your age!

So now that you know why you need your own retail health insurance policy, it's time to go get one that's right for you.

Start early
First off, it takes about three to four years to really benefit from any health insurance policy. Benefits like waiver of waiting periods, coverage of pre-existing diseases, cumulative bonuses etc take effect only after the first couple of years. So it's better to start early.
Also, at a younger age you can avoid the ordeal of pre-policy check up and avail of lower premium rates too.
And scary as it may be, nowadays, diseases that usually hit people later in life, like heart attacks, arthritis etc, are now occurring much earlier. So you might as well be covered for these too.


Choosing a policy
Just because you need a health insurance policy doesn't mean you buy the first one a salesman offers you. Do a little research on what different insurance companies are offering, the rates, etc.

• Also base your decision on the following:
• Age
• Lifestyle
• Premium paying capacity
• Benefit requirement


You could start with a coverage of Rs. 2,00,000 and gradually increase it as you grow older.

Here's the amount of cover you can look at:
20 to 35 years – Rs 2,00,000
35 to 45 years – Rs 4,00,000
45 to 59 years – Rs 5,00,000
60+ years – Rs 6,00,000 to Rs 10,00,000

Check the fine print
Check and double check the policy details. You don't want your policy to spring any ugly surprises on you. For instance, discovering that your policy doesn't cover certain diseases or that there is one to two year exclusion for certain diseases or that there is a waiting period for pre-existing diseases can be a real downer.

Also check the insurer's credentials and experience in health insurance and ask for details regarding the underwriting approach at the time of entry and claims.
Lastly, make sure your policy does not end at a certain age because this could leave you without any cover at a time when you need it most.

Added benefits
Don't we all love them? Well, all insurance policies don't offer them to you. Look for a policy that gives you the advantages of cover for health check ups, maternity benefits, day care surgeries etc.

Insurance uninterrupted
Once you've found a suitable health insurance product that meets all your needs, it is important to stay insured without interruption. For that, remembering your health policy renewal date is pretty much as important as remembering your partner's birthday or your wedding anniversary!

Antony Jacob New Health Plan from Apollo Munich Insurance

Apollo Munich Health Insurance, a joint venture between Apollo Hospitals Group, Deutsche Krankenversicherung (Munich), a leading health insurer in Europe, launched ‘Maxima’, a unique 360 degree health plan in Chennai.

Initially, Maxima would be available in six cities - Delhi, Mumbai, Hyderabad, Chennai, Bangalore and Kolkata.
In the subsequent years it would be introduced into new markets with a network of providers.

‘We are sure that Maxima is the best product which covers the policy- holders and their family in all aspects by giving benefits in health insurance when compared to other companies’ products.

We are targeting five per cent marketshare of retail health insurance business within the next five years,’ said CEO of Apollo Munich Insurance Company Ltd Antony Jacob.

‘Our head office is in Gurgaon, Haryana, it will help us to reach northern parts of India. We are planning to cover all villages by conducting check-ups for dental and visual problems.

A identity card would be issued to them and complete knowledge about the products would be described to all the people. Previously, we designed several products in health insurance with other companies according to their needs,’ he added.

He also said, ‘Through partnership, agents, brokers, staffs, we are planning to market the products. We also have a website which is most essential and easiest channel to reach the customer. Along with the health insurance certificate we give CDs that demonstrate the process which will be helpful for the customer to reach us’.

The products are developed by healthcare expertise and experience of The Apollo Hospitals Group and Munich Health of Germany after thorough understanding and research. Each benefit is designed keeping the healthcare needs of Indian customers in mind.

The structure, the process and the benefits have been formulated by experts in the field of healthcare and health insurance.

The product benefits are designed with the sole aim to create India’s top-of-the-line health insurance plan for customers to maximise advantage of tax deduction benefit.

The Maxima benefits include Rs 3 lakh inpatient insurance cover with pre- and post- hospitalisation cover, day- care surgery cover, cash- less OPD expenses across trusted network of pharmacies for pharmacy bills, diagnostic centers for diagnostic tests and annual health check-up, dental and optical care centers for contact lenses, spectacles and dental treatments along with consultation with family doctors.

Over 1,500 providers have been empanelled by Apollo Munich in six cities with plans to add more in the coming days. The customer can also consult the doctor of their choice outside the trusted network on a reimbursement basis as per the plan.

Do you think the insurance has become acceptable to the customers and has become as important as banking and other segments of financial sectors?

In the last 14-15 years, the level of awareness and the need for health insurance amongst people has improved tremendously. In 1996 when I first looked at health insurance in India, the amount of premium generated by private health insurance was somewhere in the region of 450 crores. Today, my calculations for March 2010 say that it is going to close at around Rs 9000 crores, i.e. about 20 times in 14 years. Though the industry has been growing at about 25-30%, there is no time for complacency.

People often compare between faster growth of telecom in India and that way insurance has hardly grown. Please comment.

If you evaluate the industry numbers, the health insurance market in India has been growing at about 25-30% per annum and has the potential to grow for the next 5 years, in my opinion, at 20-25%. But I must admit that this growth has been on a small base while it must be noted that the private sector telephony was started around mid 90s, a clear 5-10 years ahead of the private sector insurance.

How do you see the next decade of Indian insurance industry as the country's profile both inside and outside is changing rapidly?

At present the health insurance sector is characterized with very low penetration (only 3% of the Indian population is covered with some insurance cover), high out-of-pocket expenses and steep medical inflation (which is much higher to general inflation). It is estimated that 80 per cent of the healthcare spending is actually an out-of-pocket expense for individuals. On the other hand, changing demographics, affluence and work-life balance has brought about a paradigm shift in attitudes and demand for better and the best quality of healthcare.

Health insurance as a mechanism to finance this need is therefore finding greater acceptability. Thus the market has great prospects, but the need of the hour is to identify products that will suit customers' insurance needs and win their confidence. One of the critical elements in the competitive landscape of future would be the timely and accurate settlement of claims to win consumer confidence. No insurer wants to be known for being tardy in settling claims — its reputation will be built around the efficiency and alacrity with which claims are processed. A collective effort from all companies is necessary to take insurance to consumer and grow the insurance coverage beyond the 11 per cent that are covered at present in the top eight cities only.

At Apollo Munich Health, we are deeply committed to grow at least 25 per cent year on year for the next few years. We hope to uncomplicate people lives by giving them better healthcare and innovative products.

By Mr. Antony Jacob,
Chief Executive Officer

Antony Jacob: Apollo Munich to tap parent co’s hospitals, pharma chain

Apollo Munich Health Insurance will leverage the Apollo Hospitals and pharmaceutical chain and add 2,000 agents by April 2010. The standalone health insurance company, in its first year of operations, has clocked a premium of Rs 60 crore.

Addressing a press conference on the launch of its Maxima 360 Health Insurance plan, Mr Antony Jacob, Chief Executive Officer, Apollo Munich Health Insurance, said, “Our major focus will be to grow the retail segment and expand the agency force to 40,000 agents by 2013-14 from the present 8,000 agents.” The claims from insuring corporates are more than 100 per cent while the claims from insuring individuals are 65 per cent, he said.

The Indian health expenditure is estimated at Rs 1,290 lakh crore of which 80 per cent of the medical expenses is met by individuals from out of their pockets. The nascent health insurance market, in terms of premium collection, is Rs 7,000 crore, growing at 25 per cent annually.

Using the health data available with its parent company Apollo Hospitals, Apollo Munich has developed a health insurance for HDFC Ergo General Insurance. “Since the company is focused only on health insurance, we will explore the possibility of developing co-insurance for other insurers,” he said.

Maxima 360 insurance covers outpatient consultations as well as inpatient hospital expenditure at a sum insured of Rs 3 lakh.

By Mr. Antony Jacob,
Chief Executive Officer

Apollo Munich CEO Mr. Antony Jacob Interview

What types of products are most popular? How about your focus for product development in India?

Inpatient indemnity cover is the most preferred and widely bought health insurance product in India. All general and health insurance players offer the same with few variations. However, Health insurance as a sector in India gained in importance post detarification in 2007 and since then there are visible examples of interesting product innovations.

With the strong understanding that Apollo Hospitals and Munich Health bring to healthcare and health insurance, we are in a good position to develop new market leading products. We will do this with a clear understanding of the voice of the customer. Having said that, we already have some of the best products in the market, and the scope for growth is quite substantial.

Nowadays most companies offer corporate health insurance to their employees as a part of their benefits package which is often positioned as an attractive proposition to retain talent but it needs to be noted by India Inc that the cover ceases to exist once the corporate employee moves out of the organization or there is a policy change for the employer side.

Thus keeping in mind the volatility of the professional and economic environment it is imperative for all corporate employee to look beyond the group insurance plan as extended by an employer and choose an adequate health cover for himself as well as his family at an younger age to make sure all diseases are covered when needed.

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What changes do you foresee in the health insurance industry?

The health insurance market in India has been growing at 25-30 per cent per annum and has the potential to grow in the next five years, in my opinion, at 20-25 per cent. At pres­ent, the health insurance sector is characterised by very low penetration (only 3 per cent of the Indian popula­tion is covered), high out-of-pocket expenses and a steep medical infla­tion (which is much higher than the general inflation). It is estimated that 80 per cent of health care spending is actually an out-of-pocket expense for individuals.

Changing demographics, affluence and work-life balance have brought about a paradigm shift in attitudes and demand for quality health care. Health insurance as a mechanism to finance this need is finding greater acceptability. The need of the hour is to identify products that will suit customers'needs. One of the critical elements would be the timely and accurate settlement of claims to win consumer confidence. No insurer wants to be known for being tardy in settlingclaims—its reputation will be built around the efficiency and alacri­ty with which claims are processed.

The success of this industry and its players hinges on the awareness level of consumers. So a collective effort by all companies is necessary to take insurance to the consumer and extend the insurance coverage beyond 11 per cent which is covered at present only in eight cities.

How does Apollo Munich envisage to stand out?

Apollo Munich is a combination of two specialists—Apollo, which is synonymous with the health care industry, and Munich Health, a leader in health insurance around the world. These two parents of Apollo Munich make an outstanding combination, difficult for any other company to replicate. We believe that through this parentage, we will be able to understand the health care financing requirements of the country and per­haps replicate the success of health care financing through insurance, as seen in other countries, with the sup­port of Munich Health.

We have already rolled out some products which reflect the blended advantage of the two specialist par­ents and will continue to innovate and uncomplicate.

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By Mr. Antony Jacob,
Chief Executive Officer

Why Apollo Munich Health Insurance

Apollo Munich, a joint venture between the Apollo Group of Hospitals and Munich Health, unfolds various health plans, accidental plans and travel plans to offer health cover o the people of India. The company uses the knowledge and expertise of both partners, who are leaders in their respective field, for the benefits of clients. It is only due to strong partners that Apollo Munich feels proud to say, “We know healthcare. We know Insurance”.

There are many unique features that come with Apollo Munich health insurance plans. Firstly, there is a life-long renewal facility that gives clients an offer to opt for health cover for their entire life. It is the only health insurer that gives this facility. Secondly, Apollo Munich plans’ come with value-added services that looks into preventive health needs of individuals. Thirdly, there is an additional offer to opt for the coverage of critical illness for eight major diseases. Fourthly, there is a portability feature that gives an individual an offer to shift from other health insurer to Apollo Munich.

In addition, there are so many benefits that stand strongly in favor of the question, “Why Apollo Munich Health Insurance?”

When people fall ill, they have to think about a number of things. People need the appropriate policy that can take care of all the medical care woes that they are likely to encounter. The Apollo Munich plans are meant to provide customers with access to world-class medical care without any worries about the cost.

The policies cover more than merely the cost of medical care. This is one of the main reasons due to which people select Apollo Munich as their medical insurance provider in India. The Easy Health, Insure Health and Maxima Plans provide coverage for pre- and post-hospitalization, day-care procedures, etc. The policies provide coverage for critical illness as well. The Easy Travel Plan gives customers the chance to contact the company helpline and ask for assistance and referrals at any time while on the trip. The Personal Accident Insurance Plan too provides several unique benefits like coverage for remodeling of the house if needed medically after an accident.

The numerous value-added services that are provided with the Apollo Munich plans are designed to enable people to focus on staying healthy and not just on curing them when they fall ill. The Healthline and Cashless Hospitalization benefit are both meant to give customers complete and easy access to healthcare.

The Apollo Group of Hospitals

The Apollo Hospitals Group is Asia’s leading healthcare service provider. It offers widespread medical services with more than 8065 beds across 46 hospitals in India and abroad. In addition, it also has a long chain of Apollo pharmacies clinical research division, medical BPO and health insurance services.

The Apollo hospitals have earned a good reputation for offering quality services to its clients. The group is a leader in providing cardiology treatment in India. Apollo Hospitals offer several exceptional features such as adhering to remarkable clinical success rates, using novel and advanced technologies to correspond to old traditions of East healthcare with the best in the West.

Apollo Hospitals Group is the nation’s leading provider network has stunning mutual understanding with all health insurance companies in India.

Apollo Munich Solutions for Individuals

Apollo Munich Health Insurance Company, a joint venture between the Apollo Group of hospitals and Munich Health, has brought healthcare solution for all individuals in India. The company brings the following plans for individuals in the country:-

• Easy Health-- the Easy Health policy offers complete health cover to an insured. It offers coverage for pre- and post-hospitalization, day-care procedures, domiciliary treatment, maternity coverage, optional critical illness cover and many other.
• Easy Travel-- the plan offers cover to health risks arising due to an immediate event that occurred while travelling. It offers several benefits such as telephonic assistance, financial coverage for trip curtailment, trip cancellation etc.
• Personal Accident-- this product offers an extensive coverage, which includes compensation in case of accidental death or disablement of an insured and reimbursement benefits in case of other bodily injuries that are visible, violent and external.
• Insure Health-- this plan is designed for people who lay stress on easy-to-buy procedures. It includes hassle-free means of policy issuance procedures.
• Maxima—it is India’s first 360 degree plan that offers several unique features such as OPD coverage, inpatient as well as out-patient coverage etc.

Optima Cash-- this is a daily hospital cash plan that is meant to cover all kinds of extra costs that may come up when a person is hospitalized. Optima Cash is available for either 90 or 180 days per policy year. The plan can be taken for either 1 or 2 years. The daily cash amount (Rs. 1,000, Rs. 2,000, and Rs. 3,000) can also be selected by the customer at the time of buying the policy. The various options give customers immense freedom in selecting the right policy. The policy offers coverage under accident hospital cash, accident ICU cash, sickness hospital cash, sickness ICU cash, day-care procedure cash, etc.

The Apollo Munich Plans are designed with the same vision in mind: ‘To be a trusted leader in the health insurance sector by providing innovative solutions to the citizens of India.’ Customers are thus offers plans with policy wordings that are simple and devoid of jargons. The claim procedures of the company are also clear, easy and transparent. Apollo Munich also offers several add-on services with the numerous health, travel and accident insurance plans. Healthline Service has been specifically designed to provide customers with quick access to a healthcare helpline any time of the day (or night). Apollo Munich also provides Cashless Hospitalization in over 4000 hospitals to give customers the chance of getting treatment virtually free of cost.

Apollo Munich Solution for Corporates

Apollo Munich, a joint venture between the Apollo Group of Hospitals and Munich Health, unfolds health insurance policies for one and all in India. The company offers the following policies for corporate employees.

• Group Easy Travel plan
• Group Personal Accident plan
• Group Easy Health plan

All these plans are tailor-made to offer health cover to the group of people of the same organization.

Group Easy Health policy—this policy offers health coverage to group of people. It is believed to be the complete plan such that employees get the required financial and medical shelter in case of an unforeseen event.

Group Personal Accident plan—this policy offers medical and financial shelter at the time of exigency that arises due to sudden mishap. It includes compensation in case of accidental death and reimbursement for medical expenses incurred for the same. It offers coverage for injuries that are external, violent and visible.

Group Easy Travel plan—it offers coverage for health risks to employees while traveling.

Hence, Apollo Munich offers policies with several distinctive features so that its customers can have a secured tomorrow.

Points to Consider Before Choosing a Health Insurance Plan

Health insurance sector plays a major role in bringing smile on the faces. If an individual is insured, he/she can live a happier life without any fear in the mind. But, it is only possible; you buy a health insurance plan from a reputed company. In order to search a reputed and trustworthy company, the main parameters are:-

• Reasonable cost
• Wide coverage
• Wide network

Apollo Munich, a joint venture between the Apollo Group of Hospital and Munich Health, takes care of all the above mentioned factors and works in line of its vision to be the trusted leader and bring innovative healthcare solutions for the citizens of India.

Apollo Munich has designed affordable products so that it can offer coverage to larger section of society. The Easy Health plan costs just few rupees per day, which is easily affordable. Similarly the other products are also designed looking into affordability and accessibility issue.

The company has included more than 4000 hospitals in its network so that it can offer wide network to its clients. It helps them in availing the facility of cashless hospitalization in order to alleviate the financial strain in case of medical treatment.

Apollo Munich’s products come with maximum number of benefits and unique features such that its clients can enjoy their life under the wide coverage of its plans.

There are many points that people have to remember before buying a health insurance policy. One of the most important aspects of the health insurance plan is that it should suffice the needs of all the family members. There are a number of ways to ensure that the policy that you select is the right plan. One of the most important aspects is that the policy should be comprehensive enough to give coverage to all the family members covered under the policy.

Apollo Munich provides customers with a simple way of ensuring the policy selected is the right plan. One of the means is by calling the Apollo Munich helpline and asking the executive for assistance in selecting the right policy. Customers can also leave their details on the website of the company so that the executives from the company can get in touch with the customer.

The website also has an ‘Online Premium Calculator’ where customers can easily calculate the premium due to them. The simple policy wordings that have been uploaded on the website enable the customer to understand the coverage that is provided. Apollo Munich makes it easy for customers to buy the right policy.

Health Insurance Service Partners

Apollo Munich’s network consists of 2,400 hospitals across the country, which includes over 42 Apollo hospitals. The client is given the complete freedom to choose doctor and hospitals at his/her own will.

The criteria set by the company for its provider or a hospital/nursing home to be included in the panel of preferred provides are:-

The nursing home or the hospital should be a registered and licensed with appropriate authorities and is under the supervision of medical practitioner in attendance 24 hours a day.
There should be qualified nursing staff under employment in attendance for 24 hours a day and daily record of each patient should be maintained.
Should have minimum 15 inpatient bed and operation theatre in function.

Apollo Munich Health Insurance Vision

To be the trusted leader in health insurance by providing innovative solutions to the citizens of India.

Apollo Munich SMS Helpline

Apollo Munich believes that people should have an access to easy and simple procedures such that they can avail for the health cover without any hassle.
An individual can type the message for the clarification of his/her doubt or query in the following format

MAXIMA : To know more about Maxima

Type MAXIMA And SMS on 56767333.

REG : To Register your mobile number

Type REG (n digit policy number 00XXXXXX). For eg: REG 00234567 04071979 And SMS on 56767333.

STUS : To get the Status of Proposal Form

Type STUS (n digit proposal Form Number). For eg: STUS 000234567. And SMS on 56767333.

PPC : To get the Status of Pre-Policy Check-up

Type PPC (n digit proposal Form Number). For eg: PPC 00234567. And SMS on 56767333.

PP : To get the Status of Premium Paid

Type PP (n digit proposal Form Number). For eg: PP 00234567. And SMS on 56767333.

CRD : To get the Status of Card

Type CRD (n digit policy number 00XXXXXX). For eg: CRD 00234567. And SMS on 56767333.

TPA : To get the name of TPA

Type TPA (n digit policy number 00XXXXXX). For eg: TPA 00234567. And SMS 56767333.

RND : To know the Renewal date of policy

Type RND (n digit policy number 00XXXXXX). For eg: RND 00234567. And SMS on 56767333.

GRV : For any Grievance

Type GRV (n digit policy number 00XXXXXX) & SMS on 56767333.

HEALTH : To know more about Health

Type HEALTH & SMS on 56767333.

EASYHEALTH : To know more about Easy Health

Type EASYHEALTH & SMS on 56767333.

Apollo Munich Health Insurance Mission

• Constantly introduce innovative Health Insurance and Wellness solutions that meet customer needs
• Build an organization on the principles of transparency, trust and integrity
• Create opportunity for our employees to learn and grow in an enjoyable work culture
• Constantly deliver on our commitments to all the stakeholders

Apollo Munich Health Insurance Mediclaim

Apollo Munich, a joint venture between the Apollo Group of Hospitals and Munich Health, realizes the need of simple and easy claim process and thus, brings the same into the service of its clients. It works with the motto to take out the confusion from claim.

Many people in India have fear in the mind that health insurance companies have complicated claim procedure, which is not easy to understand and therefore, such people keep themselves away from these plans. They believe that investing in these plans will not help them in any way.

Understanding this need of the masses, Apollo Munich has included more than 4000 hospitals in their network provider so that their clients can be treated on cashless basis. It is an attempt to remove the fear of complicated claim procedure from the mind of people, as there is no need to raise claim for treatment in network hospitals.

If you are treated in non-network hospital, there is a very simple and uncomplicated claim procedure to reimburse your amount. In addition, a client can also check the status of his/her claim, if required.

Apollo Munich provides customers mediclaim benefits through the various health insurance policies. Easy Health Plan is designed to give customers complete coverage from medical care problems that are likely to arise. The policy provides coverage for day-care procedures, pre- and post-hospitalization, domiciliary treatments, and many other such treatments. There are many other benefits also offered by the policy. Easy Health also has a very simple claims procedure. One can easily read about the same on the company website. The needed forms for claim reimbursement are provided on the website too.

Maxima provides coverage for inpatient and outpatient treatments. The policy also provides policy holders with an annual health check-up. The main aim of all the policies is to shift the focus from curative coverage to preventive and preservative coverage. The Insure Health Plan and Optima Cash plans are also very easy-to-use policies. Both require very little time to buy the policy. There are no pre-medical tests and very little paperwork involved in buying the two plans. Insure health also provide mediclaim coverage for inpatient treatments of Homeopathy, Ayurveda and Sidha treatments. Thus Apollo Munich provides complete coverage for customers.

Apollo Munich Insurance Helpline

Apollo Munich Health Insurance Company gives out various ways to issue the policy. One easy means is to call at their toll-free number to know about the product or any other service request.

Insurance helpline facility helps in saving time, offering instant cover, keeping track and control of transactions and policy management tasks. It is the convenient and speedy task.

The client can call for any policy related query and the executive on call will guide him/her in choosing the best plan, as per his/her needs. He/she will help the client in buying health insurance policy and will further help him/her in getting quote, tracking claim or renewals.

These services are available 24 x 7 (round the clock).

The main aim of the company is to provide comprehensive solutions to customers that can enable them to stay healthy at all times. This leads to customers having the ability to get the best quality treatment without any problems. When people call the Healthline and ask for assistance, the information provided is on the grounds of that guidance which would be provided to the customer when he/she visited a doctor in person. As mentioned in the above list of services offered by the Healthline, one of the main aids provided by the same is the help in understanding the diagnostic conditions that are provided. At the same time since this is a free facility it enables a customer to save money that would have been spent for the same. The doctors on Healthline also advice patients about steps that need to be taken following the diagnosis, including visits to a doctor in person.

Apollo Munich Health Insurance Tax Implications

There are many people who seek health insurance policy just because of associated tax benefits. At the end of financial year, people run after tax saving options. Many of them end up with short-term plans and other with long-term plans.

Health insurance is one such option that can give you both types of benefits, as per your needs and at the same time, offers you tax benefits. The long-term tax benefits can be availed, if you get the policy renewed every year.

The section 80 D of the Income Tax Act states that the amount paid for the health insurance is exempted from tax. This amount can be invested towards an individual’s, a family’s or towards a parent’s health.

The deduction in tax is subjected to the maximum of Rs.15,000 per year. In case of senior citizens, the limit may extend to Rs. 20,000 per year.

Apollo Munich, a joint venture between the Apollo Group of Hospitals and Munich Health, offers you financial and medical protection through its products. It offers you life-long renewal feature, which can be used to avail long-term tax benefits.