Family Health Insurance Plans – Standard



Apart from policies for individuals, Apollo Munich Insurance Co. Ltd. has also launched floater policies for families.

The Easy Health Standard Family Insurance Plan has the FOLLOWING FEATURES:

· Sum insured per policy per year ranges from Rs.2 lacs to Rs.5 lacs

· In patient treatment

· Pre-hospitalization

· Post-hospitalization

· Day care procedures

· Domiciliary treatment

· Organ donor

· Emergency ambulance for up to Rs.2000

· Daily cash for choosing shared accommodation worth Rs.500 per day subject to a maximum of Rs.3000

· Health check up to 1% of sum insured per policy only once at the end of a block of every continuous 4 claim free years

The features bulleted below are NOT COVERED under this policy:

· Daily cash for accompanying an insured child

· Newborn baby

· Maternity expenses with waiting period of 4 years

· 50% or 100% additional of sum insured for additional cover for critical illness

· Out patient dental treatment with waiting period of 3 years

· Spectacles, contact lenses, hearing aid every 3rd year

· Additional cover for critical illness

The minimum entry age for this policy is 5 years and the maximum entry age is 60 years. But children from the age of 91 days can get this policy only if their parents already have this policy.


· Medical expenses that are incurred due to illness during the 30 days immediately before being hospitalized will be increased to 60 days if Apollo is informed 5 days prior to hospitalization

· The medical expenses that are incurred in 60 days immediately after the patient is discharged from the hospital will be increased to 90 days if Apollo is informed 5 days prior to hospitalization

· Medical expenses for 140 day-care procedures that do not require 24 hours hospitalization due to technological advancement

· A policyholder gets a cumulative bonus of 10% for every claim-free year accumulating up to 50%. In the event of a claim this bonus will be reduced to 20% of sum insured on the next renewal

· If one is insured with some other company’s health insurance they can shift to Apollo on renewal. Apollo aims to achieve the transfer of most of the accrued benefits and makes due allowances for waiting periods


· All treatments within the first 30 days of cover except any accidental injury

· Any pre-existing condition will be covered after a waiting period of 3 years

· Expenses arising from HIV or AIDS and related diseases

· Non-allopathic treatments, congenital diseases, mental disorder or insanity, cosmetic surgery and weight control treatments

· Abuse of intoxicant or hallucinogenic substances like drugs and alcohol

· Hospitalization due to war or an act of war or due to a nuclear, chemical or biological weapon and radiation of any kind

· Pregnancy, dental and external aids and appliances unless covered under the specific Easy Health Individual Insurance plan

· 2 years exclusion for specific diseases like cataract, hernia, hysterectomy, joint replacement

· Items of personal comfort and convenience

· Experimental, investigative and unproven treatment devices and pharmacological regimens

And this is not all. With these insurance plans one can presently avail tax benefits for the premium amount under Section 80D of the Income Tax Act.








3358/- TO 7050/-

3922/- TO 8600/-

4700/- TO 10750/-

6617/- TO 15622/-


4300/- TO 8075/-

4955/- TO 9999/-

5950/- TO 12500/-

8331/- TO 16730/-


5442/- TO 10219/-

6161/- TO 11429/-

7399/- TO 14286/-

10904/- TO 21177/-


3711/- TO 10900/-

4464/- TO 13000/-

5500/- TO 16250/-

6972/- TO 19911/-


4231/- TO 12000/-

5500/- TO 14300/-

7000/- TO 17875/-

8900/- TO 21000/-


6300/- TO 13500/-

7000/- TO 15800/-

8400/- TO 19750/-

9999/- TO 23000/-

The premium amount is the base amount. Service tax is levied separately @10.3%.

You can buy Apollo Munich policies either online from their website or call their toll free number 1800-102-0333 or they can also be picked up from companies dealing with Apollo products.


· Apollo offers life-long renewal unless the insured person or any one on her/his behalf has acted in a dishonest or fraudulent manner

· There is no maximum cover ceasing age. For additional cover of Critical Illness the maximum cover ceasing age would be 70 years.

· The Waiting Periods mentioned in the policy get reduced by 1 year on every continuous renewal of the plan

· Sum Insured can be enhanced only at the time of renewal subject to no claim lodged/paid under the policy. If the sum insured is increased by one grid then do fresh medicals will be done, however if the sum insured is more than one grid up then that is subject to medicals.

The ADVANTAGESof buying a health insurance from Apollo Munich are:

1. The two companies involved in the business, Apollo and Munich, are known and established business houses in the medical sector

2. Their tie-ups are with more than 4000 hospitals across the country including the best hospitals also in any city

3. Their claim settlement service is excellent

4. Apollo does not have any sub limit for room rent, ICU and Operation Theatre

5. Clients get cashless claim settlement service. A policyholder only needs to obtain a pre-approval for all planned admissions at least 48 hours prior to actual admission or within 24 hours post the admission in cases of emergency

6. All customers are given a customer ID through which they get help in primary consultation, health related counseling, individual referrals, health information, nutrition and diet

7. Every Apollo Munich health insurance customer is provided with an access to a health risk management tool that helps profile each member’s health status through the website

Leave a Comment

Your email address will not be published. Required fields are marked *