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A Life Long Health Insurance Plan

Monday, February 07, 2011
By Manoj Aswani

Looking for a life long health insurance plan? Here’s the answer; the Apollo Munich Easy Health Plan… It’s easy to acquire and is affordable too. Check it out…

Policy Snapshot

  • No medical test if age below 45 years
  • Useful Rider of Critical Illness
  • Portability benefit – Transfer your benefits of existing health plan from any other insurance company

Eligibility Criteria
Minimum Sum Assured       :    2 lacs
Maximum Sum Assured      :     10 lacs
Minimum Age at entry           :     5 years
Maximum Age at entry          :     60 years
Renewable till the age of     :     Life long


Life Long Renewal benefit: usually health insurance renewals are allowed till the age of 70 or 75. Apollo Munich has provided a good benefit to policyholders that there is no cover ceasing age. People can be covered under Easy Health continuously since they can renew their cover life long.

Additional critical illness cover:
The policyholder has the option to choose an additional critical illness cover against 8 specified critical illnesses and is always paid as a lump sum benefit in addition to any medical expenses he/she may incur for hospitalisation

In-patient cover: Apollo Munich being an exclusive health insurance tries to focus on an extended cover on their basic benefits. This plan offers a high cover for in-patient treatment, pre and post hospitalisation, day-care procedures, domiciliary treatment, daily cash for choosing shared accommodation. Expenses like organ donor, emergency ambulance charges, daily cash for accompanying an insured child, maternity expenses and care for a new born are also covered in the in-patient cover.

Out-patient cover: Expenses incurred other than hospitalisation expenses are referred to as an out-patient expense. Apollo Easy Health has a wider out-patient cover which provides higher limits to cover expenses for doctor consultations, pharmacy expenses, spectacles, health check-up and diagnostic tests.

Cashless Hospitalisation: Cashless transactions across the Apollo Munich network of over 4000 hospitals across the country, which is a good network when compared to the existing network of private general insurance companies.

Renewal Perks: Apollo Munich Easy Health offers a cumulative bonus of 10% for every claim free year accumulating to a maximum of 50% of the policyholder’s in-patient sum insured. For out-patient benefits (excluding health-check up) there is an advantage of carrying forward 50% of any unutilized entitlement certificates to the next policy year

Extra Benefits

  • Pre-existing illnesses under OPD Benefits are covered and requirement of medicines or Doctor’s consultation for any pre-existing illness, then the same is covered without any waiting period
  • No Sub-limits: The OPD vouchers can be used as per requirements without any sub-limits
  • Doctor Consultations as per plan opted for individuals and family
  • Covers bills of your local medical or pharmacy store as well
  • Specialist Services like Dental treatment, Spectacles and Contact lenses are all taken care of up to a certain limit
  • Expenses on diagnostic tests taken by individual or family will also be paid for
  • Health Check-ups for any person above 18 years of age is provided. (person above 45 years can avail this benefit from second year)
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