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Apollo Munich Energy
Apollo Munich Energy




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Apollo Munich Energy

1 Details
1.1 Company Name
Apollo Munich Health Insurance
1.1.1 Incurred Claims Ratio (13-14)
New India Senio..
65.59 %
Rank: 17 (Overall)
SBI General F F
1.1.2 Incurred Claims Ratio (14-15)
Oriental Happy ..
63.03 %
Rank: 16 (Overall)
L And T Medisure Prime
1.1.3 Network Hospitals
SBI General F F
4000 +
Rank: 8 (Overall)
Oriental Happy Family Floater Gold
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1.2 Type of Plan
Critical Illness Insurance
1.2.1 Subtypes
Individual Insurance
1.3 Policy Status
Active
1.4 Buy Online
50% Critical Illness Insurance Health Insurance Plans have it !
1.5 UIN
IRDA/NL-HLT/AMHI/MISC/P-H/V.1/10/13-14
1.6 Tax Benefits
All Critical Illness Insurance Health Insurance Plans have it !
1.7 Cashless Hospitalization
83% Critical Illness Insurance Health Insurance Plans have it !
1.8 Discounts
28% Critical Illness Insurance Health Insurance Plans have it !
1.8.1 Description
Not Available
2 Eligibility
2.1 Entry Age for Adults
2.1.1 Minimum
Bajaj Allianz H..
18 Years
Rank: 1 (Overall)
Apollo Munich Optima Vital
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2.1.2 Maximum
New India Senio..
65 Years
Rank: 4 (Overall)
Bajaj Allianz Insta Insure
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2.2 Entry Age for Dependent Children
2.2.1 Minimum
Bajaj Allianz C..
Not Available
Rank: N/A (Overall)
IFFCO TOKIO Family Health Protector
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2.2.2 Maximum
Apollo Munich M..
Not Available
Rank: N/A (Overall)
Reliance Healthgain Policy
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2.3 Sum Assured
2.3.1 Minimum
Future Generali..
₹ 200000
Rank: 5 (Overall)
Bajaj Allianz Daily Cash
2.3.2 Maximum
Cigna TTK Lifes..
₹ 1000000
Rank: 15 (Overall)
Bajaj Allianz Daily Cash
2.4 Policy Term
2.4.1 Minimum
Bharti AXA Life..
1 Year
Rank: 1 (Overall)
Bajaj Allianz Women Critical Illness
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2.4.2 Maximum
Future Generali..
1 Years
Rank: 7 (Overall)
Bajaj Allianz Women Critical Illness
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2.5 Medical Screening
72% Critical Illness Insurance Health Insurance Plans have it !
2.5.1 Age Criteria
Oriental Happy ..
Not Available
Rank: N/A (Overall)
Future Generali Health Total Superior
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3 Hospital Cover
3.1 Hospitalization
3.1.1 Pre-Hospitalization
Future Generali..
Covered up to 30 Days
Rank: 4 (Overall)
Apollo Munich Dengue Care
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3.1.2 Post-Hospitalization
Apollo Munich O..
Covered up to 60 Days
Rank: 4 (Overall)
Apollo Munich Dengue Care
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3.2 Room Rent
12% Critical Illness Insurance Health Insurance Plans have it !
3.3 Recovery Benefits
6% Critical Illness Insurance Health Insurance Plans have it !
3.3.1 Amount
Apollo Munich E..
Not Available
Rank: N/A (Overall)
SBI General F F
3.4 OPD Charges
6% Critical Illness Insurance Health Insurance Plans have it !
3.5 Non Allopathic Treatment
No Critical Illness Insurance Health Insurance Plans has it !
3.6 Day Care Procedures Covered
Religare Care I..
144
Rank: 7 (Overall)
Bajaj Allianz Surgical Protection
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3.7 Domiciliary Hospitalization
No Critical Illness Insurance Health Insurance Plans has it !
3.8 Daily Cash Facility
6% Critical Illness Insurance Health Insurance Plans have it !
3.8.1 Description
Not Applicable
4 Medical Cover
4.1 Ambulance Charges
Royal Sundaram ..
₹ 2000
Rank: 8 (Overall)
Reliance HealthWise Ind
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4.2 Air Ambulance Charges
No Critical Illness Insurance Health Insurance Plans has it !
4.3 Medical Fees
4.3.1 Consultant
11% Critical Illness Insurance Health Insurance Plans have it !
4.3.2 Surgeon
6% Critical Illness Insurance Health Insurance Plans have it !
4.3.3 Specialist
No Critical Illness Insurance Health Insurance Plans has it !
4.3.4 Anesthetist
6% Critical Illness Insurance Health Insurance Plans have it !
4.3.5 Medical Practitioner
11% Critical Illness Insurance Health Insurance Plans have it !
4.3.6 Nursing
11% Critical Illness Insurance Health Insurance Plans have it !
4.4 Medical Charges
4.4.1 Blood
6% Critical Illness Insurance Health Insurance Plans have it !
4.4.2 Oxygen
6% Critical Illness Insurance Health Insurance Plans have it !
4.4.3 Anesthesia
6% Critical Illness Insurance Health Insurance Plans have it !
4.4.4 Medicine
6% Critical Illness Insurance Health Insurance Plans have it !
4.4.5 Operation Theater
6% Critical Illness Insurance Health Insurance Plans have it !
4.5 Organ Donor Expenses
6% Critical Illness Insurance Health Insurance Plans have it !
5 Benefits
5.1 No Claim Bonus
5.1.1 Minimum
Apollo Munich O..
Not Available
Rank: N/A (Overall)
Apollo Munich Optima Senior
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5.1.2 Maximum
Apollo Munich O..
Not Available
Rank: N/A (Overall)
LIC Jeevan Arogya
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5.2 Health Checkups
6% Critical Illness Insurance Health Insurance Plans have it !
5.2.1 Description
Not Available
5.3 AYUSH Treatment
Not Covered
5.4 Maternity Expenses
No Critical Illness Insurance Health Insurance Plans has it !
5.4.1 New Born Baby Cover
No Critical Illness Insurance Health Insurance Plans has it !
5.5 Critical Illness Cover
All Critical Illness Insurance Health Insurance Plans have it !
5.5.1 Expert Opinion
22% Critical Illness Insurance Health Insurance Plans have it !
5.5.2 Illnesses Covered
Diabetes
5.6 Accidental Cover
5.6.1 Accidental Death Benefit
6% Critical Illness Insurance Health Insurance Plans have it !
5.6.2 AD Description
Not Available
5.6.3 Child Education Benefit
6% Critical Illness Insurance Health Insurance Plans have it !
5.6.4 CE Description
Not Available
5.6.5 Permanent Total Disablement
6% Critical Illness Insurance Health Insurance Plans have it !
5.6.6 PTD Description
Not Available
5.6.7 Temporary Disablement Benefit
6% Critical Illness Insurance Health Insurance Plans have it !
5.6.8 TD Description
Not Available
5.7 Restoration of Sum Insured
No Critical Illness Insurance Health Insurance Plans has it !
5.8 Multiplier Benefit
6% Critical Illness Insurance Health Insurance Plans have it !
6 Terms and Conditions
6.1 Cancellation Period
6.1.1 For Insurance Provider
Apollo Munich O..
30 Days
Rank: 1 (Overall)
Royal Sundaram Surgicare
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6.1.2 For Policy Holder
Apollo Munich O..
30 Days
Rank: 3 (Overall)
Royal Sundaram Surgicare
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6.2 Rate of Premium Retained
6.2.1 Up to 1 Month
Star Family Hea..
25.00 % of annual premium
Rank: 3 (Overall)
Star Health Accident Care
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6.2.2 Up to 3 Months
Star Family Hea..
50.00 % of annual premium
Rank: 5 (Overall)
L And T Personal Accident Insurance
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6.2.3 Up to 6 Months
Star Family Hea..
75.00 % of annual premium
Rank: 6 (Overall)
Max Bupa Heartbeat Ind Gold
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6.2.4 Exceeding 6 Months
Bajaj Allianz W..
100.00 % of annual premium
Rank: 2 (Overall)
ICICI Lombard Health Booster
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6.3 Policy Renewal
Lifelong
6.4 Grace Period
Bajaj Allianz W..
30 Days
Rank: 1 (Overall)
SBI General F F
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6.5 Free Look Period
Bajaj Allianz W..
15 Days
Rank: 1 (Overall)
Bajaj Allianz Women Critical Illness
6.6 Waiting Period
6.6.1 No Claim Period
Future Generali..
30 Days
Rank: 2 (Overall)
Bajaj Allianz Personal Accident
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6.6.2 Specific Waiting Period
24 months for specific illnesses
6.7 Claim Based Loading
22% Critical Illness Insurance Health Insurance Plans have it !
6.8 Cover for Pre-Existing Diseases
Apollo Munich O..
after 36 Months
Rank: 4 (Overall)
Bajaj Allianz Silver
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6.9 Co-Pay
6% Critical Illness Insurance Health Insurance Plans have it !
6.10 Sub-Limits
11% Critical Illness Insurance Health Insurance Plans have it !

Information About Apollo Munich Energy

Information About Apollo Munich Energy includes details about the type of plan, name of the insurance provider, policy status etc. Apollo Munich Energy is a critical illness insurance provided by Apollo Munich Health Insurance. The company had an incurred claims ratio of 65.59 % for the financial year 2013-14 and 63.03 % for the financial year 2014-15. Incurred claims ratio is the ratio of claims incurred to the premiums collected by the insurance company. The plan is active and can be bought.

Apollo Munich Energy Eligibility provides important information of the policy, such as minimum and maximum limits of sum assured, entry age etc. Minimum age to be eligible to buy this plan is 18 Years.Cashless hospitalization is the facility provided by insurance company. Under this facility, the company directly settles medical bills, incurred during treatment of the policy holder, with the hospital.Cashless hospitalization facility is available for this health insurance policy. Minimum sum assured under Apollo Munich Energy is ₹ 200000. Maximum sum assured option available under the plan is ₹ 1000000.

Covers under Apollo Munich Energy

Medical and hospital covers under Apollo Munich Energy include various covers such as Pre-hospitalization cover, post-hospitalization cover, room rent, OPD charges, cover for day care procedures, domiciliary hospitalization cover, Ambulance charges, Medical fees, Medical charges etc. Pre-Hospitalization is Covered up to 30 Days under Apollo Munich Energy.Post-Hospitalization is Covered up to 30 Days under the plan. Apollo Munich Energy covers full or partial rent of the room when the insured is admitted to the hospital. OPD charges are not covered under Apollo Munich Energy.

Day care procedures are the medical treatments that do not require the insured to be admitted to the hospital for more than 24 hours. 144 such procedures are covered under this policy. Domiciliary hospitalization charges are the expenses that occur when the medical treatment is taken at home. Such expenses are not covered in this health insurance policy. Ambulance charges up to ₹ 2000 are covered under the plan. Various medical fees and medical charges are also covered under this policy.

Important Benefits Under Apollo Munich Energy

Important Benefits under Apollo Munich Energy may include no claim bonus, health check-ups, cover for Maternity expenses, Critical illness cover etc. Apollo Munich Energy Benefits includes information about additional benefits available under the plan. Health check-ups are not available under this policy. Maternity expenses are not covered under Apollo Munich Energy. Critical illness cover is available in this plan.

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