APOLLO MUNICH INSURANCE CO. LTD.
INDIVIDUAL PERSONAL ACCIDENT PLAN – STANDARD
Apart from Easy Health Plans for individuals as well as for families and the Maxima 360-degree plan covering Outpatient expenses of pre-existing diseases, Apollo Munich also has an Individual Personal Accident Plan.One such plan is the Individual Personal Accident Plan – Standard. The FEATURES of this plan are:
· Sum Insured against Accidental Death can be Rs.1 lac, Rs.2 lacs, Rs.3 lacs, Rs.5 lacs, Rs.7.5 lacs, Rs.10 lacs, Rs.25 lacs and Rs.50 lacs
· In case of Permanent Total Disablement the policyholder gets Accidental Death Sum Insured
· In case of Permanent Partial Disablement the policyholder gets Accidental Death Sum Insured
· Emergency ambulance charges of Rs.2000
· Family transportation of 1% of Accidental Death sum insured subject to a maximum of Rs.1 lac
· Transportation of mortal remains of 2% of Accidental Death sum insured subject to a maximum of Rs.10000
· Education fund equivalent to 10% of Accidental Death sum insured subject to a maximum of Rs.20000
· In case of Temporary Total Disablement get 100% of Accidental Death sum insured subject to a maximum of Rs.5 lacs
· Accident Medical Expenses will be given up to 10% of Accidental Death sum insured subject to a maximum of Rs.50000
ADDITIONAL BENEFITS:
· Lump sum payment in the event of death due to an accident
· In case of Accidental Death or Permanent Total Disablement get 50% of sum insured per dependent child up to a maximum of 2 dependent children for pursuing an educational course provided the children are pursuing the course as full time students in an educational institution
· In case of Accidental Death or Permanent Total Disablement get reimbursement of expenses incurred in transporting one immediate family member to the hospital provided the hospital is at least 200 kms from the insured person’s residence
· Get a weekly allowance in case of Temporary Total Disablement
· Get your medical expenses reimbursed for in-patient treatment in the hospital due to an accident
· Get a lump sum payment in the event of a fracture of a bone due to an accident as per the scale
EXCLUSIONS:
The policy will not compensate for any claims due to:
· Self inflicted injury, suicide or attempted suicide or abuse of intoxicants or hallucinogens including drugs and alcohol
· Pre-existing conditions and their complications
· HIV/AIDS, sexually transmitted diseases
· Pregnancy/child birth or its complications, congenital internal or external disease
· Participation or involvement in naval, military or air force operations, racing, diving, aviation, rock or mountain climbing, any breach of law with criminal intent
· War or any act of war, act of foreign enemy, public defense, rebellion, revolution, insurrection, military or usurped acts, chemical, radioactive or nuclear contamination
The ADVANTAGES of 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. They have no sub-limit on room rates, operation theatres and ICU
3. Their tie-ups are with more than 4000 hospitals across the country including the best hospitals also in any city
4. Their claim settlement service is excellent
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