Apollo Munich Health Insurance Benefits

Investment in a health insurance plan, is investing for the protection of your own and your family's health. The word 'protection', here, means financial security in case of exigencies. At such times, you can rely on the insurance company to endure your expenses. But, you need to look for a reputed name that is worth relying on.

Apollo Munich is one of the fastest growing names in this sector. Their products are tailor-made to suit your needs. Each of their products has its own benefits.

The benefits of Apollo Munich health insurance plans are:-

Easy Health Plan

• Pre-hospitalization—It provides coverage against charges that you incur 30 days before you are hospitalized. The same can be increased to 60 days, if informed in advance.

• Post-hospitalization—Depending upon the terms and conditions of the policy, it provides cover for a specific number of days after being discharged from the hospital. It may be for 60 to 90 days, depending upon the situation and the company norms.
• Day care procedures—Apollo Munich covers expense for 140 day care procedures, where inpatient hospitalization is for less than 24 hours.
• Cumulative bonus—If you do not claim the money throughout the year, you are entitled to get a bonus up to some percent, subject to policy terms and conditions.
• Portability—This feature gives you an offer to shift from some other health insurance company to Apollo Munich along with providing majority of accrued benefits as per the policy terms and conditions.
• Tax benefits under section 80 D of Income Tax Act.
• Critical illness coverage.

Personal Accidental Plan

• Accidental death—In case of death due to an accident, the family members are entitled to a lump sum payment as per the plan opted.

• Disablement—In case of disablement, there is a specific scale, which measures the amount of compensation with respect to the physical loss incurred.
• Emergency ambulance cover—In case of an emergency, Apollo Munich provides you the expenses incurred on ambulance for transfer of an insured to the nearest hospital.
• Transportation of mortal remains—The company provides you of the charges spent on the transportation of mortal remains of an insured either to his/her residence or to a burial ground.
• Family transportation—In case of an accidental death or permanent disablement, Apollo Munich reimburses the amount incurred in transportation of one immediate family member to the hospital, subject to terms and conditions.

Travel Insurance

• Medical services provider referral

• Arrangement of appointment with local doctors
• Pre-trip information services
• Arrangement of emergency medical reparation
• Monitoring of medical condition during hospitalization
• Medical advice on telephone
• Arrangement of reparation of mortal remains
• Lost luggage assistance
• Interpreter referral
• Embassy referral
• Emergency cash advances
• Lost passport assistance

Apart from this, there are many more benefits that you can avail, subject to terms and conditions of the plan opted.

The Personal Accident plan has been designed to give customers complete coverage from all kinds of problems arising after an accident. There are a number of steps that have to be taken to make sure that people are safe from all kinds of costs after an accident. The policy is designed to give customers coverage under the following situations:
• Accidental Death [AD] – In case of the death of the insured due to an accident, a lump sum amount would be provided
• Permanent Total Disablement [PTD] – In case of Permanent Total Disability of the insured due to an accident, a lump sum payment would be provides, as per the policy terms and conditions.
• Permanent Partial Disablement [PPD] – In case of Permanent Partial Disability of the policy holder due to an accident, a lump sum amount would be given, in accordance with the scale provided in the policy.
• Temporary Total Disablement – To help policy holders cope with loss of income because of Temporary Total Disability that is caused due to an accident, a weekly allowance is provided to the insured.

Apollo Munich offers several other benefits which can be read in the policy wordings on the company website.