Company Name Apollo Munich

Policy Name Easy Health Family Floater Standard

Age Coverage No Limit
Max Sum Insured per person (in Lakhs) 5
In-patient Treatment Covered
Pre - hospitalisation Covered (60 days)
Post-hospitalisation Covered (90 days)
Day Care Procedures Covered
Domiciliary Treatment Covered (if > 3 days)
Organ Donor Covered
Emergency Ambulance Upto Rs.2000 per hospitalization
Ayurveda/Homeo Upto Rs.20000
Daily Cash for choosing Shared Accomodation Rs 500 per day/ max 3K
Daily Cash for accompanying an insured Not covered
child
Recovery Benefit Not covered

Outpatient Dental Treatment Not covered

Spectacles, Contact Lenses, Hearing Aid Not covered

Every Third Year
E-Opinion in respect of a Critical Illness Not covered

Optional, if opted then the Critical Illness

Critical Illness Rider Sum Insured 50% or 100% of In-patient
Sum Insured subject to minimum of Rs. 1L

Upto 1% of Sum Insured per Insured

Health Checkup Person, only once at the end of a block of
every continuous 4 claim free years.

A 10% cumulative bonus will be applied on

Bonus the Sum Insured for next policy year under
the Policy after every CLAIM FREE Policy
Year, provided that the Policy is
renewed with Us and without a break. The
maximum cumulative bonus shall not
exceed 100% of the Sum Insured in any
Policy Year.
Pre-existing diseases Covered after waiting period of 3 years
war or an act of war Not Covered
Tax Benefit 80 D
Apollo Munich
Easy Health Family Floater Exclusive
No Limit
50
Covered
Covered (60 days)
Covered (90 days)
Covered
Covered (if > 3 days)
Covered
Upto Rs.2000 per hospitalization
Upto Rs. 50000
Rs 1000 per day/ max 6K
Rs 800 per day/ max 24K
Rs.10K if hospitalization>10days
Not covered
Not covered
Not covered
Optional, if opted then the Critical Illness Optional, if opted then the Critical Illness
Sum Insured 50% or 100% of In-patient
Sum Insured subject to maximum of Rs. 10L Sum Insured subject to maximum of Rs. 10L
Upto 1% of Sum Insured subject to a
Maximum of Rs.5,000 per Insured Person,
only once at the end of a block of every
continuous 3 policy years
A 10% cumulative bonus will be applied on
the Sum Insured for next policy year under
the Policy after every CLAIM FREE Policy
Year, provided that the Policy is
renewed with Us and without a break. The
maximum cumulative bonus shall not
exceed 100% of the Sum Insured in any
Policy Year.
Covered after waiting period of 3 years
Not Covered
80 D
Apollo Munich
Easy Health Family Floater Premium
No Limit
50
Covered
Covered (60 days)
Covered (90 days)
Covered
Covered (if > 3 days)
Covered
Upto Rs.2000 per hospitalization
Upto Rs. 50000
Rs 1000 per day/ max 6K
Rs 800 per day/ max 24K
Rs.10K if hospitalization>10days
Upto 1 % of Sum insured subject to a
Maximum of Rs.7,500
Upto Rs. 7,500
Covered
Sum Insured 50% or 100% of In-patient
Upto 1% of Sum Insured subject to a
Maximum of Rs.5,000 per Insured Person,
only once at the end of a block of every
continuous 2 policy years
A 10% cumulative bonus will be applied on
the Sum Insured for next policy year under
the Policy after every CLAIM FREE Policy
Year, provided that the Policy is
renewed with Us and without a break. The
maximum cumulative bonus shall not
exceed 100% of the Sum Insured in any
Policy Year.
Covered after waiting period of 3 years
Not Covered
80 D
Members can utilize family floater of INR 500,000 cover per annum Beneficiaries (1+5): The family includes the employee,
Beneficiaries (1+5): The family includes the employee, spouse, 2 children & 2 parents
Midterm inclusion for existing dependents is not allowed and is only allowed in the following events:
New Born Baby - Baby must be enrolled within 30 days from the date of birth
Marriage - Spouse must be added within 30 days from the date of marriage.
Benefits
Children: Day 1 up to 28 Years
Only in-patient hospitalization expenses are covered within India.
Pre-existing diseases are covered
Waiver on all applicable waiting periods (30 days, 1st year, 2nd year & 4th year)
Room rent - Restricted to Single Standard A/C Room (including nursing & boarding charges) for Normal Hospitalization & N
Maternity Expenses Benefit subject to limit of INR 50,000 for Normal and for C-Section 5% (max. INR 2,500) of Maternity lim
Ambulance charges - INR 3,000 is only payable in case of an emergency.
Expenses on Hospitalization for a minimum time period of 24 hours are admissible. Time limit is not applied for specific tre
Myopia Covered
Terrorism Covered
Congenital Internal & External Disease covered
Pre-hospitalization expenses of 60 days prior to date of admission and Post-hospitalization expenses of 90 days after the da
Claim Submission: In case of claim reimbursement (non-network hospitals) pre hospitalization and main hospitalization exp

Given a choice, your preference of health insurance should be in the following order:

Policies with Private Room eligibility.

Policies with No Room Rent capping.
Policies with Room Rent capping.

check for words like limits, co-pay or deductible in the policy. These are set deductions in claims. Ensure you have und

Coverfox.com has an awesome, very user-friendly, geo-mapped hospital network comparison on its comparison portal. I w

Recommend, that you go with a Rs. 5 Lakhs base cover with a Super Topup cover of Rs. 15 Lakhs. This can save close to 25-
Ensure there is no room rent limit in your Super Topup policy.
Ensure you buy a Super Topup Health Insurance along with your Base health Insurance policy tenure and they have similarl

ignore Features like Ambulance, Daily Hospital Cash, Domiciliary, and any other benefits
mily includes the employee, spouse, 2 children & 2 parents

Normal Hospitalization & No cap on ICU Hospitalization per day.

x. INR 2,500) of Maternity limit for pre/post Natal on OPD basis (60 days prior & 90 days after hospitalization within the maternity limit

is not applied for specific treatments like: Cataract, dialysis, chemotherapy, radiotherapy, DNC and tonsillectomy.

enses of 90 days after the date of discharge are covered for eligible hospitalization.
and main hospitalization expenses must be submitted within 30 days from the date of discharge and in case of post-hospitalization, all

claims. Ensure you have understood, and compared what these mean, before your decision to purchase is made.

on its comparison portal. I would recommend you go through the same, for a quick comparison.

hs. This can save close to 25-30% of premium vis-a-vis buying a Rs. 20 Lakh base plan.

enure and they have similarly timed renewal dates.

on within the maternity limit).

e of post-hospitalization, all the claim documents must be submitted within 7 days after completion 90th day or Treatment completion
day or Treatment completion date whichever is earlier.