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Apollo Munich Health Insurance

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Apollo Munich Health Insurance
Claim Settlement Ratio89%
COVID-19 CoverYes
Network Hospitals4650+
Policies Sold809364

HDFC ERGO General Insurance (formerly known as Apollo Munich Health Insurance) ranks among top private-sector health insurance companies in India. Founded on 8 August 2007, it is a joint venture between a pioneer in corporate healthcare in Asia, Apollo Hospitals and a health business segment of leading Germany-based reinsurance company Munich Re, Munich Health. The joint venture stands poised for bringing world-class health care within the reach of every person. Besides, Apollo Munich has associated with eminent partners in the country like Canara Bank, Citi Bank, Indian Overseas Bank, Axis Bank, and many others.

Having its Central Processing Office in Gurugram, Apollo Munich proposes a vast array of health insurance products, designed for healthcare requirements of individuals, families, expecting mothers, senior citizens, and corporate houses.

Key Highlights

  1. 180+ physical offices all over India
  2. More than 3,200+ employees
  3. Facility of portability
  4. 4650+ network hospitals for cashless treatment
  5. Simple and clear policy wording
  6. 95% of the claims are settled within 15 days
  7. Lifelong health insurance renewal benefits
  8. All daycare treatments cover
  9. Over 90% cashless authorization done within 2 hours of claim intimation

HDFC ERGO General Insurance (formerly known as Apollo Munich Health Insurance) has in store a number of health insurance products, including Optima Restore, Easy Health Floater Standard, Easy Health Floater Exclusive, Easy Health Floater Premium, Day2Day Care, Health Wallet. All these health insurance policies not only protect you and your family from the present and future spiraling healthcare expenses but also guide on the way to wellness for the long term.

Apollo Munich’s mission is to bring innovative Health Insurance and Wellness solutions that meet customers’ needs. Further, it’s committed to building an organisation on the principle of transparency, trust, and integrity. The company’s motto is ‘Let’s uncomplicate’, which shows its focus on providing effective yet simple solutions for every healthcare need. Compassionate, Accountable, Responsive and Expert are Customer Care Principles of Apollo Munich.

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Health Insurance News


  • What are the key benefits of health insurance by HDFC Ergo?

    Health insurance by HDFC Ergo offers the following benefits to the insured: 

    • Coverage on individual as well as family floater basis
    • Plans offer lifelong renewability benefit
    • Plans with no sub-limit on room rent
    • 5% of bonus on the sum insured for every year a claim is not made
    • Reimbursement of health check-up expenses after a block of 4 claim-free years.
  • Do health insurance plans by HDFC Ergo provide tax benefits?

    Yes. If covered under health insurance plans by HDFC Ergo, you can avail tax benefits under Section 80D of the Income Tax Act, 1961 on the premiums paid for them. 

  • Who can enjoy benefits under the health insurance plan by HDFC Ergo?

    Anyone who is aged more than 18 years and is living in India can purchase health insurance plans offered by HDFC Ergo. They can also include their family members under the plans.

  • Does health insurance by HDFC Ergo allow policyholders to avail additional benefits?

    Apart from the coverage benefits, the holders of HDFC Ergo plans cover you for additional benefits such as free preventive health check-ups, multiplier benefits wherein you can get up to 100% additional policy cover as No Claim Bonus, 100% restore benefit that restores 100% cover instantly after your first claim. Also, you can avail several add-on benefits like critical illness cover, maternity cover etc. as per your choice, if covered under health insurance plans by HDFC Ergo. 

  • Is my health insurance plan by HDFC Ergo transferable without losing renewal benefits?

    Yes. You can transfer your health insurance plan by HDFC Ergo without losing renewal benefits such as No Claim Bonus or waiting period benefits.  

User Reviews

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What users are saying
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  • Amazing benefits

    I wanted to buy a health insurance plan for myself. I visited the InsuranceDekho website and found a wide range of plans. I bought the Optima Secure Health insurance plan of HDFC ERGO. It is offering me a lot of benefits. I am really satisfied

    Apollo Munich
    By Usha Saxena
    On: Jan 27, 2022
  • Secured payments

    I bought the Optima Restore health insurance plan by HDFC ERGO from the InsuranceDekho website. The payment method was quite secure and convenient. I could easily make the payment. If you are looking for a health insurance plan, do visit the InsuranceDekho website

    Apollo Munich
    By Muskan Jain
    On: Jan 27, 2022
  • User-friendly website

    While buying the My Health Suraksha health insurance plan of HDFC ERGO from the InsuranceDekho website, I found the website to be user-friendly. I could easily locate the things on the website. It was very well managed

    Apollo Munich
    By Suhani Jha
    On: Jan 27, 2022
  • Great Expert Team

    I am glad to get the support of the expert team of InsuranceDekho to learn about the best plan according to my preference. I got valuable advice. And purchased a policy from HDFC ergo general insurance

    Apollo Munich
    By Tapas Simha
    On: Jan 05, 2022
  • Optimised budget

    On InsuranceDekho, the premium budget is properly optimised. The policy coverages are well aligned with the premium amount. This is one of the main reasons why I chose this platform to issue HDFC ERGO General Insurance my:Health Koti Suraksha.

    Apollo Munich
    By Vandana Khare
    On: May 03, 2021