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Healthline

Just ring us and quote your customer ID to reach our experts and avail their help in primary

consultation, health-related counselling, individual reerrals, health inormation, nutrition and diet.

The services on the Healthline would be available at no extra cost to the customers. They will be

constantly augmented to cover urther areas o health and well-being to include personalised

health and wellness solutions.

Cashless Hospitalisation

In addition to reimbursement o claims at all hospitals, the Easy Health Insurance Plan is valid

on a cashless basis in over 4000 hospitals listed in the guide book to be sent along with the

policy and is updated periodically on our website www.apollomunichinsurance.com

You need to obtain a pre-authorization or all planned admissions atleast 48 hours prior to

actual admission or regularize any emergency admission within 24 hours post the admission.

The details o the process and the documentation requirements are given in the guide book

sent along with the policy.

Health Risk Assessment

Every Apollo Munich Health Insurance customer will be provided with an access to a health

risk assessment tool, which helps to prole each members health status through our website.

Upon assessment, members will be oered personalized wellness recommendations on diet,

liestyle and nutrition regimen.

Exclusions

Alltreatmentswithintherst30daysofcoverexceptanyaccidentalinjury

Anypre-existingconditionwillbecoveredafterawaitingperiodof3years

ExpensesarisingfromHIVorAIDSandrelateddiseases

Non-allopathictreatments,congenitaldiseases,mentaldisorderor insanity,cosmetic

surgery and weight control treatments

Abuseofintoxicantorhallucinogenicsubstanceslikeintoxicatingdrugsandalcohol

Hospitalisationduetowaroranactofwarorduetoanuclear,chemicalorbiological

weapon and radiation o any kind

Pregnancy,dentaltreatment,externalaidsandappliancesunlesscoveredunderthespecic Easy Health Family Health Insurance Plan

2yearswaitingperiodforspecicdiseaseslikecataract,hernia,hysterectomy,joint

replacement, hydrocele etc.

Itemsofpersonalcomfortandconvenience

Experimental, investigative and unproven treatment devices and pharmacological

regimens

Please reer to the Policy Wording or the complete list o exclusions.

Terms o Renewal

1. We oer lie-long renewal unless the Insured Person or any one acting on behal

o an Insured Person has acted in an improper, dishonest or raudulent manner or

any misrepresentation under/or in relation to this Policy or the Policy poses a moral

hazard.

2. Maximum Age- There is no maximum cover ceasing age in this Policy. For

additional cover o Critical Illness maximum cover ceasing age in this Policy would

be 70 years.

3. WaitingPeriod-TheWaitingPeriodsmentionedinthePolicyWordingwillget

reduced by 1 year on every continuous renewal o your Easy Health Family Health

Insurance Plan.

4. RenewalPremium-RenewalPremiumaresubjecttochangewithpriorapproval

rom IRDA.

5. SumInsuredEnhancement-SumInsuredcanbeenhancedonlyatthetimeof

renewalsubjecttonoclaimhavebeenlodged/paidunderthePolicy.Iftheinsured

increasestheSumInsuredonegridup,nofreshmedicalsshallberequired.In

casewheretheSumInsuredincreaseismorethanonegridup,thecaseshallbe

subjecttomedicals.IncaseofincreaseintheSumInsured,waitingperiodwillapply

afreashinrelationtotheamountbywhichtheSumInsuredhasbeenenhanced.

However, the quantum o increase shall be at the discretion o the company.

DisclaimerThis is only a summary o the product eatures. The actual benets available are as described in the

policy,andwillbesubjecttothepolicyterms,conditionsandexclusions.Pleaseseektheadviceof

your insurance advisor i you require any urther inormation or clarication.

Statutory WarningProhibition0fRebates(undersection41ofInsuranceAct,1938):Nopersonshallalloworofferto

allow, either directly or indirectly, as an inducement to any person to take out or renew or continue

an insurance in respect o any kind o risk relating to lives or property in India, any rebate o the

whole or part o the commission payable or any rebate o the premium shown on the policy, nor

shall any person taking out or renewing or continuing a Policy accept any rebate, except such

rebate as may be allowed in accordance with the published prospectuses or tables o the insurers.

Any person making deault in complying with the provision o this section shall be punished withne, which may extend to ve hundred rupees.

Gurgaon Corporate Ofce, 0124 - 4584333

Gurgaon, 0124 - 4979333

Delhi, 011 - 43585333

Pitampura, 011 - 47027756/ 69/ 53

Laxmi Nagar, 011 - 43602378

Janak Puri, 011 - 45595353

Bhikaji Cama Place, 011-49535536/ 37/ 40

Shakti Nagar, 011 - 45701772/ 74

Noida, 0120 - 4574267/ 65/ 64

Lucknow, 0522 - 4061333

Chandigarh, 0172 - 4322000

Ludhiana, 0161 - 4681933

Jaipur, 0141 - 4098333

Mumbai, 022 - 67242333

Fort, 022 - 40029115/ 16/ 17

Nasik, 0253 - 6628001

Borivali, 022 - 40060451 - 55

Dadar, 022 - 24170240 - 43

Ghatkopar, 022 - 42155381 - 85

Kalyan, 0251 - 2302960 - 62

Vashi, 022 - 42010504 - 07

Thane, 0

Nasik, 0

Pune, 02

Ahmeda

Hyderab

Secunde

Vijayaw

Bangalo

Jayanag

Mysore,

Chenna

Adyar, 0

Ashok N

Coimbat

Madura

Cochin,

Trivandr

Kolkata

Salt Lak

Bhuban

Contact us

AMHI/MA/H/0002/0044/102010/P

Insurance is the subject matter o solicitation

Secured online purchase at:www.apollomunichinsurance.com

7/30/2019 Easy Health Insurance Family

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Features and BeneftsScheduleofbenetsofEasyHealthproductvariantsaredepictedinthechartbelow

Easy Health Family Health Insurance PlanEasy Health Plan will help protect you against spiraling medical costs and also guide your

amily on the path o wellness, hence, its truly a double protection o prevention and cover. It is

a broad cover or treatment against illnesses and accidents requiring in-patient hospitalization

and also eatures an optional Critical Illnesses cover.

How does a Family Floater Policy work?Suppose Mr. Kumar, his wie and their son are covered or Rs. 1Lakh each, under a

regular Health Insurance Plan. They would have then paid a premium or 3 policies

o Rs. 1 Lakh each . In an unoreseen situation, i the medical bill or hospitalization

o their son amounts to Rs. 1. 8 Lakh, the regular policy would c over only up to Rs. 1

Lakh, while the remaining amount o Rs.80,000 would have been paid by Mr. Kumar

even though there is no claim on the other two policies.

But i Mr. & Mrs. Kumar opt or an Easy Health Family Insurance Plan under any

variant, the cover o Rs. 3 Lakh would be shared among the entire Kumar amily.

Which means, the amily individually and together, enjoy an insurance cover o upto

Rs. 3 Lakh (total claim made by the amily to be o Rs. 3 Lakh) . Hence or a similar

situation as above, Mr. Kumar would beneft while claiming the complete Rs. 1.8

Lakh under the Family Floater Policy.

The Easy Health Family Plan is available in 3 variants: Standard, Exclusive and

Premium. The cover amount ranges rom Rs. 2,00,000 to Rs. 10,00,000 based on

the product variant.

The plan provides or in-patient hospitalization expenses and is designed to cover expenses

suchas:diagnosticprocedures,boardingand lodging,the intensivecareunit,operation

theatre, anesthesia, blood, oxygen, surgical appliances, cost o prosthetic and other devices

orequipment(ifimplantedinternallyduringa surgicalprocedure),medicines,drugsand

consumables, nursing and medical practitioner charges as per the policy schedule.

Points to Remember

1. Easy Health Insurance Plan w ill oer cover to persons rom the age o 5 years

onwards. A dependent child can be covered rom the 91st day i either parent is

covered under this policy. There is no maximum cover ceasing age in this

policy.

2. Thecoverwillbevalidfora periodof1or2 year(s)asopted.Anadditional7.5%

discount is oered on premium or opting a 2 years policy.

3. Anindividual and/orhis familymembers namelyspouse,dependentchildrenand

dependent parents are eligible or buying this cover.

4. The cover will be provided on a foater sum insured basis.

5. For sum insured option o Rs. 2,00,000 the maximum entr y age is 65 years whereas or

other sum insured options the maximum entry age is 60 years.

Lets Uncomplicate.The Apollo Hospitals Group, Asias largest healthcare provider and Munich

Health, world leaders in health insurance, come together to make quality

healthcareeasyandaccessible.Simplelanguage,clearpolicies,transparent

procedures and innovative products, making health insurance the way it

ought to be.

We know healthcare. We know insurance.

Benefts Easy Health

Standard

E asy Heal th E xc lu si v

Sum Insured (SI)/ Policy

years (Rs.In Lakh)

2.00,3.00,

4.00,5.00

3.00,4.00,

5.00

7.50

1 a) In-patient Treatment Covered Covered

1 b) Pre-hospitalisation Covered Covered

1 c) Post-hospitalisation Covered Covered

1d) Day-CareProcedures Covered Covered

1e) DomiciliaryTreatment Covered Covered

2 a) Daily cash or

choosing shared

accommodation

Rs.500 per

day,Maximum

Rs.3,000

Rs.500 per

day,Maximum

Rs.3,000

Rs.800 pe

day,Maxim

Rs.4,800

2 b) Expenses or organ

donor o transplant

Covered Covered

2 c) Emergency

Ambulance

Upto

Rs.2,000 perhospitalisation

Upto Rs.2,000 per hospital is

2 d) Daily cash or

accompanying an

insured child

NotCovered Rs.300per

day,Maximum

Rs.9,000

Rs.500 pe

day,Maxim

Rs.15,000

2 e) Newborn baby NotCovered Optional

3 a) Maternity Expenses

with waiting period o

4 years

NotCovered NormalDelivery

Rs.15,000*

Caesarean

Delivery

Rs.25,000*

(*Including

Pre/PostNatal

limit o

Rs.1,500 and

NewBornlimit

ofRs.2,000)

NormalDe

Rs.25,000

Caesarean

Delivery

Rs.40,000

(*Including

PostNatal

Rs.2,500

NewBorn

Rs.3,500)

3 b) Outpatient Dental

Treatment with waiting

period o 3 years

N ot Cov ered N ot Cov ered

3 c) Spectacles,Contact

Lenses,Hearing Aid

every third year

N ot Cov ered N ot Cov ered

3 d) E-Opinion in respect

o a Critical Illness

N ot C ov er ed N ot C ov er ed

4) Additional Cover or

Critical Illness

NotOffered Optional50%or100%ofin-

SumInsured

5) Health Check-up Upto1%of

SumInsured

per Policy,only

once at the end

o a block o

every continuous

our claim ree

years

Upto1%ofSumInsuredperp

subjecttoaMaximumofRs.5,

per Insured Person,only once

end o a block o every continu

three claim ree years

Benetsunder3b),3c),3d)and5)aresubjecttopre-authorisationbytheTPA