Plan Overview

Apollo Munich Easy Health Standard is a basic health insurance plan among the Easy Health variants, which provides the rudimentary health insurance coverage features without any extra frills. The plan enables the Stay Active benefit which discounts the renewal premium, provides coverage for AYUSH treatments and also enables optional riders like Critical Illness. All in all, one can avail a comprehensive coverage for hospitalization and medical treatments at lower premiums through this plan.

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 No Claim Bonus available?

A. For each claim-free year, a No Claim Bonus of 10% increment of the Sum Assured is provided at the same rate of premium. The Sum Assured can be increased up to a maximum by 100% under this feature.

Q. Who can be included under a family floater cover?

A. Under a family floater cover, self, spouse, dependent children, dependent parents, parents-in-law, grandparents and grandchildren can be covered.

Q. Is maternity cover available under the plan?

A. No, maternity coverage is not available under this plan variant.

Q. How much discount can be availed by the Stay Active benefit?

A. The rate of discount under the Stay Active Benefit depends on the total number of steps taken during the policy year. The discount rates are 2% for Steps between 5000-8000, 5% for 8000-10000 steps while 8% for more than 10000 steps.

Q. If I forget to renew the policy on time would I get any grace period?

A. Yes, a grace period of 30 days is extended to policyholders to renew the policy after the due date.

Apollo Munich Health Insurance