Plan Overview

As the name suggests, Apollo Munich Easy Health Premium is the premium most plan in the Easy Health variants offered by Apollo Munich Health Insurance. Dental treatments and cost of lenses, spectacles, etc. are covered which are otherwise excluded from almost all health insurance plans. In short, the plan is a host of multiple coverage options like maternity benefits, AYUSH treatments, dental treatments, OPD expenses, etc. all rolled into one

Benefits included

Hospitalization means any impatient treatment (min. 24 hrs stay) as well as the named All day care procedures. .

  • Accident related hospitalisation are covered from day 1.
  • Other hospitalisations are covered after 30 days. Cover starts after 30 days, except accidents which are covered from day 1
  • Exceptions : Any pre-existing diseases (PED) which are covered after 3 years and some specified diseases which are covered after 2 years from the policy start date.

Other additional benefits :

  • Cover restoration
  • No claim bonus
  • Free Health Check-up
  • Ambulance charges
  • Daily cash allowance
  • 60 days pre-hospitalisation
  • 90 days post hospitalisation
  • Organ donor expenses
  • Maternity
  • New-born treatment
  • Home treatment
  • Outpatient
  • Ayush treatments
  • Recovery allowance

Out of pocket expenses

  • You will bear all the expenses not covered by the policy. Refer to the list of such expenses in the Policy Exclusions section below
  • Besides, you will have to pay more if you stay in a room category above 10000

Policy Exculsion

  • Cosmetic surgery
  • Birth defects
  • Medical expenses due to drugs/alcohol abuse
  • Self-inflicted injury
  • Hazardous sports or war related injuries
  • HIV or AIDS
  • Sexually Transmitted Disease(STDs)
  • Consumables
  • Mental illness
  • Genetic disorders
  • Dental treatment / Surgery
  • Eye disorders & lasik laser treatment
  • Hospitalization for only diagnostic purpose
  • Diagnostic Charges
  • Hospital registration or admission fees
  • Administrative Charges
  • Non medical expenses

Claims settlement

  • If you go to a non-network hospital, you will have to get the claim settled on reimbursement basis by providing the original bills and documents to the insurer.
  • If you get admitted to a network hospital, you can get a cashless authorization from the insurer and then the insurer will settle the expenses directly with the hospital. See the list of the network hospitals near you below

Most frequently asked questions

Q. What is the waiting period applicable for maternity expenses?

A. Maternity coverage if provided after a waiting period of 6 years for Sum Insured levels lower than Rs.15 lakhs. If the coverage level is Rs.15 lakhs or above, the waiting period is 4 years

Q. What is the recovery benefit available under the plan?

A. If the insured is hospitalized for a continuous period of more than 10 days, a recovery benefit is paid. This benefit is equal to a lump sum of Rs.10, 000. The benefit is applicable only for Sum Insured levels Rs.15 lakhs and above.

Q. When can I avail the cost of dental treatments or hearing aids?

A.There is a waiting period of 3 years after which dental treatments are covered. Cost of hearing aids, spectacles and lenses are, however, covered every three policy years. Moreover, only 50% of such costs would be provided by the company.

Q. What is the Stay Active Application benefit?

A. The Stay Active Application tracks the number of steps taken by the insured during one policy year. Proportionate to the number of steps taken, premium discounts are allowed in renewal premiums. The discounts accrue if the steps are 5000 and above. If the steps taken are within 5000 to 8000, premium discount is 2%

Apollo Munich Health Insurance