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8/7/2019 Apollo Munich Health Insurance
http://slidepdf.com/reader/full/apollo-munich-health-insurance 1/26
Apollo Munich Health Insurance
We Know Healthcare. We Know Insurance.
8/7/2019 Apollo Munich Health Insurance
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The Joint Venture
2
Munich Health
26% Stake
Apollo Munich Health Insurance Company
Apollo Hospitals Group74% Stake
Defining the Health Insurance Sector of
India.
Launched in 2007 to become the First
choice Health Insurer.
Provide Differentiated Product & Service
Offerings.
Leverage deep industry knowledge of
healthcare and Insurance from the
parentage.
Linked with ‘prevention and wellness’.
8/7/2019 Apollo Munich Health Insurance
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Health Care & Insurance Experts
3
Largest Healthcare
group in Asia
Strong brandfoundation
Varied and Multipletouch points
Strong industryknowhow
Specialized in Health
Insurance
Part of largest healthreinsurer worldwide
Access to up-to-dateinformation on trends
and new developments
Excellent riskmanagement expertise
We Know Healthcare. We Know Insurance.
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Product Philosophy
4
Let’s Uncomplicate.
Not only a positioning but a belief and journey.
•We make quality healthcare easy and accessible.
•Simple language, clear policies, transparent procedures and
innovative products, making health insurance the way it ought
to be.
8/7/2019 Apollo Munich Health Insurance
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Our Product Offerings
Easy Health
Maxima
Optima Cash
Individual
PersonalAccident
Easy Travel
5
ACCIDENT
INSURANCE
HEALTHINSURANCE
TRAVELINSURANCE
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6
Easy Health Insurance PlanInpatient Hospitalization with pre and post hospitalization benefit
Key Benefits:
•100 % Life Long Renewal
•Multiple Variant
•
Critical Illness Rider*•HRA and Healthline
support
•Maternity Benefit*
*As per Variant
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EASY HEALTH INSURANCE PLAN
7
Offers Cover for Self, Spouse, Dependent children & Dependent
Parents
Entry age for Adult- Min. 18 years & Max. 60 years
Entry Age for dependent child 5 years ( 91 days, if both parents
covered)
NO COVER CEASING AGE- Lifelong Policy Renewal
Sum Insured Options
Product VariantPlan Options
Standard
(Rs. in Lacs)
Exclusive
(Rs. in Lacs)
Premium
(Rs. in Lacs)
Individual1.00, 2.00,
3.00, 4.00, 5.00
3.00, 4.00,
5.00, 7.50
4.00, 5.00,
7.50, 10.00
Family Floater2.00, 3.00,
4.00, 5.00
3.00, 4.00,
5.00, 7.50
4.00, 5.00,
7.50, 10.00
Tax Savings u/s 80D of IT act
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EASY HEALTH INSURANCE PLAN
8
What is
Covered!
Inpatient hospitalisation
Pre & Post Hospitalisation expenses – upto 30 & 60 days resp.
Maternity Benefits- with a waiting Period
Domiciliary Treatment
140 Day Care Procedures
Coverage for New Born – from Day 1
Out-patient Dental, Vision & Hearing Aids
Daily Cash for Shared Accommodation
Portability of benefits from existing Health policy to our Policy
Organ Donor Expenses
Emergency Ambulance expenses
E-opinion for Critical Illness Critical Illness – Optional Rider
Renewal Incentives
Health Check-up
Daily Cash for accompanying an insured child
*Benefits may vary as per the Variant opted
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What WE Offer & Others DONT
9
Offering Apollo Munich Others
Life Long Policy Renewal-
Cover from Cradle to Grave
YESOffer cover around 75
years onlyNo Sub-limits on Room Rent-No need to compromise on facilities when itcomes to healthcare
OfferedLimit of room rent up to1% of the policy
Portability of Benefits-Acknowledgement of accrued benefits of yourexisting Health Insurance Policy
OfferedNot offered – resulting in
loss of accrued benefits
Outpatient Vision, Hearing aid & Dental cover
Offeredwith a waiting period
Most Insurers don’t offer
Additional Cover for Critical IllnessOffered as optional riderbenefit with core inpatient
offering
Others offer as a separateproduct
New Born & Maternity BenefitsOffered
with a waiting periodMost Insurers don’t offer
Health Line Supportfor any time medical assistance
Offered Most Insurers don’t offer
Health Check-upOffered
Upto 1% of SIMost Insurers don’t offer
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30 days waiting period
2 year specific disease waiting period likecataract, hernia, hysterectomy, joint
replacement and hydrocele
Pre-existing disease are covered from 4th year
HIV, AIDS and related disease
Internal & external congenital disease Non-allopathic treatment
Artificial limb and external devices
Cosmetic treatment
Items of personal comfort and convenience
* For complete list of exclusions, please refer to policy wording
EASY HEALTH INSURANCE PLAN
What wedon’t
cover!
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11
MAXIMAIndia’s First 360 Degree Health Plan covering doctor consultation,
medicine, spectacles, health check and Inpatient hospitalization
Key Benefits:
•Covering OPD expenses.
•Income Tax benefit.
•Inpatient Hospitalization
cover .
•100 % Life Long Renewal.
•Annual Master Health
Check
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MAXIMA
12
MAXIMA
Inpatient Treatment
Wellness Component
Vision Care Critical illness Rider
Dental Cover
OPD treatment
India’s First 3600 Health Plan
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MAXIMA – Unique in its way
13
Access to high quality network for outpatient cover including-
diagnostic tests, pharmacy expense, outpatient dental treatment,spectacles, contact lenses and annual health checkup.
Maxima offers coverage for any existing conditions that require
out-patient care, without any waiting period
Annual Health Checkup at Apollo Munich’s high quality network
Life long Policy Renewal – no cover ceasing age
Cumulative Bonus on Inpatient Sum Insured and carry forward
bonus for OPD benefits (Except Annual Health Checkup)
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MAXIMA – Outpatient Benefits (OPD)
1414
What is
Covered!For OPD part
Doctor Consultation on cashless basis within network andon reimbursement outside the network.
Benefits for Pharmacy expenses
Benefit for expenses related to Spectacles
Benefits towards Dental Expenses.
Benefit for annual Master Health Check.
Access to Apollo Munich trusted network of providers for
OPD expenses.
All on cashless basis across network.
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MAXIMA – Inpatient Benefits (IP)
1515
Inpatient hospitalisation
Pre and Post Hospitalization
Daycare Procedures
Domiciliary Treatment,
Daily Cash for choosing shared accommodation
Organ Donor Expenses
Emergency Ambulance Charges
Daily Cash for accompanying an insured child
Maternity Expenses
Newborn Baby cover
Coverage on Individual as well as on Family Floater basis Optional cover for Critical Illness
Tax Savings u/s 80D of Income Tax Act
What is
Covered!For IP part
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16
Optima Cash
Daily Hospital Cash plan with Maximum Benefit.
Covering all incidental expenses during Hospitalization.
Lumpsum Cash Benefit.
Key Benefits:
•No Pre Policy Medical
check up
•Discount on Online
Purchase
•Covering incidental
expenses during
Hospitalization.
li
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Optima cash is planned to offer support in an event of
hospitalisation with lump sum amount which can be utilized
towards Hospitalisation expenses or additional expenses due to
hospitalisation which is not covered under regular hospitalisation
insurance plans
Sum Insured Option- Daily Cash Amount plan of Rs 1000, Rs
2000 & Rs 3000
Option to choose your Policy period of 1 or 2 Years
Tax Savings u/s 80D of IT act
OPTIMA CASH – Salient Features
17
OPTIMA CASH
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OPTIMA CASH
1818
What isCovered!
*Benefits may vary as per the Variant opted
Offers cover for Hospitalization due Illness/Accident
Daily cash for Sickness Hospitalization [upto 90 days per policy year]
Daily cash for ICU Hospitalization due to Sickness [Upto 15 days per policy year]
Daily cash for Accidental Hospitalisation [upto 90 days per policy year]
Daily cash for ICU Hospitalization due to Accident [Upto 15 days per policy year]
Cash for Day Care Procedure [Upto 6 procedures per policy year]
Daily cash for Joint Hospitalization due to an Accident [Upto 10 days per
policy year]
Convalescence Cash- Lumpsum amount for hospitalization beyond 7 days
Child Birth [Once in policy year]
Parent Accommodation [upto 30 days per policy year]
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Individual Personal AccidentThis Plan offers financial security and peace of mind towards in
an event of an accidental death or bodily injury
Key Benefits:
•Wide Variant of SI options.
•Starts at an attractive
premium size.
INDIVIDUAL PERSONAL ACCIDENT
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• Coverage for Individuals & Families
• Discount of 10% for 2 or more family members
• Coverage for age group between 5-69 years
• Cumulative Bonus on Renewal
• 2 product variants with wide range of Sum Insured up to 5 Crore
INDIVIDUAL PERSONAL ACCIDENT
20
INDIVIDUAL PERSONAL ACCIDENT
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INDIVIDUAL PERSONAL ACCIDENT
212121
Accidental Death
Permanent Total Disablement
Permanent Partial Disablement
Temporary Total Disablement
Accident Medical Expenses
Transportation of Mortal Remains
Education Fund
Family Transportation
Modification of Residence/Vehicle
Emergency Ambulance
Transportation of Imported Medicine
Purchase of Blood
Accident Inpatient Hospitalisation
Broken Bones
What isCovered!
*Benefits may vary as per the Variant opted
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Easy Travel InsuranceOffers cover for the policy holder and his/her accompanying family
members against travel and non travel inconvenience, emergency,
medical costs incurred during an international travel
EASY TRAVEL INSURANCE
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EASY TRAVEL INSURANCE
23
• Covers individuals and Family Members against travel and non travel
inconvenience, emergency, medical costs incurred due to unforeseen
circumstances while you are travelling abroad
• Segment-specific plans offered to suit travel insurance requirements
• No medical tests required up to 70 years of age
•‘Individual Plan’ is available in five variants; Platinum, Gold, Silver, Bronze
and Asian Region; Sum Insured ranges from USD 5,00,000 to USD 25,000.
•‘Family Plan’ is available in three variants; Silver, Bronze and Asian Region;
Sum Insured ranges from USD 1,00,000 to USD 25,000.
•‘Senior Citizen Plan’ is available in two variants; Silver and Bronze; Sum
Insured options of USD 1,00,000 and USD 50,000.
• ‘Annual Multi Trip Plan’ is available in four variants; Platinum, Gold, Silver
and Asian Region; Sum Insured ranges from USD 5,00,000 to USD 25,000.
Plans available
EASY TRAVEL INSURANCE
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EASY TRAVEL INSURANCE
242424
Medical treatment
Dental treatment
Repatriation of mortal remains Loss of passport
Personal accident & common carrier
Personal liability
Hijack daily allowance
Total loss of checked-in baggage
Delay of checked-in baggage
Financial emergency cash
Trip delay
Missed connection
Hospital daily allowance
Trip cancellation & Trip curtailment
And many more
What isCovered!
*Benefits may vary as per the Variant Opted
Contact Information
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Contact Information
Apollo Munich Health Insurance Company Limited10th Floor, Tower-B, Building No: 10, DLF Cyber City,
DLF City Phase -II, Gurgaon 122001, Haryana,Tel: 0124 4584333; Fax: 0124- 4584111
•Apollo Munich has got 39 offices across India
•Our Offices are present in all major cities which include HYDERABAD, CHENNAI,
KOLKATA, BANGALORE, MUMBAI, DELHI, PUNE, AHMEDABAD, JAIPUR,
CHANDIGARH, LUCKNOW and COCHIN
For any Query, you may contact us on our Toll free Number given below:
1800-103-0555www.apollomunichinsurance.com
Insurance is the subject matter of the solicitation