It is only good health that can help us sustain and carry on our daily tasks, throughout the day. You never know when you might come across bad heath in your life and have to face financial crises for the medical treatment. High treatment cost is one of the major factors that are responsible for financial crises and this directly influences the quality of care we opt for.
Looking at the above mentioned needs, health cover becomes one of the most vital needs. Every individual should get health cover for himself/herself. It not only protects you against spiraling medical costs but also provides quality healthcare services that play a crucial role in recovery.
A large number of insurance companies have turned up in market with several products to quench the healthcare needs of an individual, family and group. Each and every product has its own benefit. Thus, get the most suitable health cover for yourself and live a happy and healthy life.
Medical insurance helps an insured to either avail cashless treatment or to claim for the reimbursement of the treatment expenses incurred, up to the sum insured, during the risk period. You can go for treatment of the disease, against which coverage has been provided, for free, in any of the enlisted hospitals. But, all the above mentioned cases are subject to terms and conditions of the insurance company.
Many people are of the view, that, these companies neither provide assistance in time nor do they pay or reimburse the money claimed. However, if you tie up with leaders in the insurance sector, you will not come across any of these problems. Apollo Munich Health insurance Company is one of the names that have earned reputation in market for making timely payments.
Their day care procedures have also been successful, as they enlist the hospitals where qualified and well experienced doctors are always ready to serve their patients. Or, in case of treatment in non-network hospitals, you can claim the money and you will be reimbursed the same at the earliest, as per the policy conditions.
Apart from it, you can have an access to Health Risk Assessment and Healthline to provide you guidance for preventive measures to be undertaken.
Moreover, Apollo Munich Medical Insurance Plans pay for each of their services promised as per the clause of the policy. It even offers a facility to pay for emergency travel and emergency hotel in case of hospitalization of an insured for more than 7 days, again subject to terms and conditions.
There are also a large number of extra privileges that are provided to customers with these plans. Besides the above mentioned emergency options, there are also many other benefits offered. These include pre- and post-hospitalization expenses coverage, critical illness coverage, etc. Some of the plans from Apollo Munich also cover domiciliary treatments.
The medical insurance plans from Apollo Munich promote all-round medical care and protection. The ‘Healthline’, provides customers with easy and simple access to doctors on the phone. Regardless of where the customer resides, they have access to some of the best doctors just a phone call away. This also gives customers the advantage of getting a medical practitioner’s opinion without having to spend much on the same. There are a number of other services which are provides by the company. The online portal, ‘My Life’, gives customers the chance of monitoring their basic health and lifestyle, thus ensuring that the individual would be able to lead a healthy life at all times. Apollo Munich thus ensures that medical insurance in India is perceived as a viable solution for all healthcare problems.
Apollo Munich Health Insurance in India
India's Health Insurance sector is a little over a decade old but since it has enormous growth potential, it is growing at a fast pace. At present, there are only 12% of people under health cover but it is expected to increase six fold by 2015, due to the rise in income level and change in lifestyle. It has been observed that innovation fueled by variety, value and choice are some of the parameters pushing health insurance in India.
The scope for health insurance is quite high with a bulk of healthcare products provided by the private sector. Consumers prefer the private healthcare sector because it provides better quality and a greater number of medical facilities.
There are many healthcare funding options, each of which has its own advantages and disadvantages. As per research and market survey, community health insurance is the best performing with respect to quality, penetration and lack of malpractices.
The private sector has made huge strides in bringing out improved products. Keeping this in mind, several new entrants have captured the market. One of them is Apollo Munich Health Insurance Company, the joint venture between the Apollo Group of Hospitals, Asia's largest healthcare group and Munich Health, the newest business segment of Munich Re in Germany. Apollo Munich, pure health insurers, has emerged in market to provide innovative health insurance products to address 'preventive' needs and not merely focus on 'curative' needs.
We, at Apollo Munich, offer a broad range of health insurance products to facilitate quality healthcare protection. The company has its branches in almost all the major cities of the country. Our products are offered on a 'cashless basis' in more than 4000 hospitals across India and on 'Reimbursement basis' across all hospitals in the country.
There is an array of products that fits the lifestyle of the common man. Easy Health, Easy Travel, and Personal Accident Plan have been carefully designed keeping in mind the needs of individuals, families and groups.
In addition to our products, there are value added services for all our clients. These are cashless hospitalization, Healthline and Health Risk Assessment
These value added services simply make sure that the customer is able to cover the preventive aspect of healthcare with ease.
Apollo Munich Vision of Healthline
Healthline is a part of Apollo Munich's value-added service for insured individuals. It is a free and confidential healthcare information services staffed by registered and trained doctors. These doctors understand the health needs, patient's condition, etc., and then, provide general health information and recommend the best means of action.
How to access Healthline?
First of all log in and register
Step1 — Have to accept a medico-legal disclaimer
Step2 — A doctor will attend the call and gather some basic details
Step3 — The doctor will ask you about symptoms and other health related issues
Step4 — Lastly, the doctor will recommend you different ways to care yourself or will ask you to contact a hospital/doctor.
Our facility of Healthline gives you the best quality advice. All the information shared remains confidential.
Services followed by Healthline
- Understand diagnostic conditions
- Guidance about self care, minor injuries and illness
- Knowledge about chronic diseases
- Prepare queries for doctor visit
- Knowledge of specific medications
- Develop and Maintain healthy living habits
- Steps to be followed in an emergency
How to access Healthline?
First of all log in and register
Step1 — Have to accept a medico-legal disclaimer
Step2 — A doctor will attend the call and gather some basic details
Step3 — The doctor will ask you about symptoms and other health related issues
Step4 — Lastly, the doctor will recommend you different ways to care yourself or will ask you to contact a hospital/doctor.
Our facility of Healthline gives you the best quality advice. All the information shared remains confidential.
Apollo Munich Health Insurance Plans for Corporate Employees
Easy Health—Group Health Insurance Plan:
With increasing work pressure, employers have to take positive steps to provide cover to their employee's health. The Easy Health—Group Health Insurance Plan offers easy health solutions to take care of employee healthcare needs. The plan covers a large number of medical benefits, such as Critical Illness Cover, pre-/post-hospitalization, maternity benefits, domiciliary hospitalization, options of coverage against pre-existing diseases, in-patient hospitalization, day care treatment, dental, and optical benefits.
Easy Health Group Health Insurance Plan also comes with scientifically and globally validated assessment techniques, which help employees assess their health status. At Apollo Munich, we engage the services of IRDA approved TPA (Third Party Administrator) for providing customized services to groups.
Group Easy Travel:
The Group Easy Travel insurance policy covers all employees for short term overseas travel under this single policy. It is valid up to 180 days, extendable on demand.
This policy is different from an individual plan in terms of rates, which are offered on daily basis for different geographic regions. Daily basis rates depend on the projected travel days to be utilized by the employee and the required sum insured. We offer a wide range of benefits, leaving it up to a corporate to make his choice.
Three geographic regions are covered under this policy. These are:
Asia-Pacific excluding Japan (A)
Worldwide excluding US and Canada (X)
Worldwide including US and Canada (W)
Group Personal Accident Insurance Plan
It assures your employees financial and medical protection against all sorts of unexpected exigencies, such as, medical and financial requirement in the event of an accidental death or bodily injury, which is violent, visible, and external.
Our accidental plan includes benefits, such as, coverage against broken bones, transportation of imported medicines and family transportation, modification of vehicle, etc.
The Personal Accident Plan also provides an educational fund for the individual’s children in case of accidental death or disability of the insured. There are a number of other such costs that are covered by this plan from Apollo Munich. The plan has been designed such that all employees and their families can stay well-protected even in the event of loss of income of the insured individual. A lump sum amount is provided in case of the same.
Apollo Munich Healthcare
“Health is Wealth”, is a common saying.
India is one of the many countries that has been crippled with the problem of quality healthcare. Health insurance plays a significant role to bring quality healthcare within the reach of many people. With the increase in number of emerging insurance companies, there has been a sudden increase in the number of products and services being offered. Tie ups have been made among financial sector, healthcare sector, lifestyle and several other aspects of life to quench diversified needs. Apollo Munich Health Insurance is an example to such approach. The company is poised with the advantage of its partner's expertise.
Apollo Munich Health Insurance company, a joint venture between Asia's largest integrated healthcare provider, The Apollo Hospital Group and Germany based Munich Re's newest business segment, Munich Health has emerged to provide affordable health insurance to the citizens of India.
The increasing number of diseases, huge medical expenses and depleting quality of services had made health coverage a necessity. A health-cover provides coverage against medical illness and guarantees to keep an insured financially secure at the time of medical treatment. Apollo Munich provides cashless hospitalization in more than 4000 hospitals, thus eliminating anxiety about treatment expenses and making life simple.
Apollo Munich believes that prevention is better than cure, and this is what their services aim at. Each of their products is differentiated with ingredients of Prevention, Wellness and Disease Management.
They strive to provide healthcare solutions to Indian citizens and bring in the concept of quality care to pave the way for disease management. The facility of Health Risk Assessment is promoted to increase awareness about personalized wellness prescription. The customized products are tailor made to eradicate health challenges beside affordability and accessibility for quality healthcare.
Each of their products; Easy Health, Easy Travel, and Personal Accident Plan is carefully designed keeping in mind the insurance needs of individual, family and group.
In addition to it, there are a few value added services (cashless hospitalization, Health Risk Assessment and Healthline) that Apollo Munich offers its clients for free to make their products unique and special.
The Healthline facility is a helpline which enables people to get doctor’s advice and assistance over a phone call. The option enables policy holders to get second opinions and assistance in understanding diagnostic conditions. Since it is a free service, customers get the chance of saving up on money at the same time. The doctor’s on call enable the insured to get the assistance needed (if need be even give them references of other doctors).
Apollo Munich also provides a ‘Let’s Stay Healthy’ for customers to be able to be able to monitor their health status. The portal is also known as ‘My Life’. One can use the portal to get the check their health and wellness, calculate BMI, vaccination charts, and several other features
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