Apollo Munich

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  • 4,650+ Network Hospitals
    Check in your City
  • 8,09,364 Policies Issued
  • 62.47% Incurred Claim Ratio
  • Lifelong Renewability
  • 84.08% Claim Settlement Ratio
  • 100% In-House Claim Settlement

About Apollo Munich

Apollo Munich Health Insurance Company Ltd. ranks among top private sector health insurance companies in India. Founded on 8 August 2007 as a standalone health insurance provider, 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 to meet healthcare requirements of individuals, families, expecting mothers, senior citizens, lifestyle diseases, critical illnesses, and corporate houses. This insurance company offers affordable and well-designed health insurance products that provide a wide coverage choice.

Key Highlights

  • No third-party involvement
  • 150+ offices across the country
  • An array of sum insured options
  • 4,650+ leading network hospitals
  • Pre-policy medical health check-ups
  • Cashless facilities in all network hospitals
  • Restore benefit, multiplier benefit and ‘Stay Active Benefit’

The mission of Apollo Munich 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.

Apollo Munich 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 Plan List

Name of PlanSum Insured
Optima RestoreMin: 91 Days, Max: 65 Years3 Lakh Get Quotes Now
Easy Health ExclusiveMin: 91 Days; Max: 65 Years3 Lakh Get Quotes Now
Easy Health PremiumMin: 91 Days; Max: 65 Years4 Lakh Get Quotes Now
Health WalletMin: 91 Days; Max: 65 Years3 Lakh Get Quotes Now
EnergyMin: 18 Years, Max: 65 Years2 Lakh Get Quotes Now
Dengue CareMin: 91 Days; Max: 65 Years50 Thousand Get Quotes Now
Easy Health Standard Min: 91 Days; Max: 65 Years1 Lakh Get Quotes Now
iCan CancerMin: 5 Years; Max: 65 Years5 Lakh Get Quotes Now
Optima VitalMin: 18 Years; Max: 65 Years1 Lakh Get Quotes Now
Optima SeniorMin: 61 Years; Max: No Limit 2 Lakh Get Quotes Now
Optima CashMin: 91 Days; Max: 65 Years1000/day Get Quotes Now
Maxima HealthMin: 91 Days; Max: 65 Years3 Lakh Get Quotes Now

Apollo Munich Top Up List

Name of PlanSum Insured
Optima SuperMin: 91 Days; Max: 65 Years5 Lakh Get Quotes Now
Optima PlusMin: 91 Days; Max: 65 Years5 Lakh Get Quotes Now

Claim Process at Apollo Munich

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
  • 2

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 3

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 4

    Claim Assistance

    For any assistance call Insurancedekho at 1800-120-5698 or call toll free number of Apollo Munich at 1800-102-0333.
  • 1

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
  • 2

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 3

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.
  • 4

    Claim Assistance

    For any assistance call insurancedekho at 1800-120-5698 or call toll free number of Apollo Munich 1800-102-0333.

Apollo Munich User Reviews

  • The perfect insurer!

    I am associated with Apollo Munich, which is a trusted and renowned health insurance firm. It is the end of the search when it comes to health insurance plans. The insurer offers plans for individuals, families as well as senior citizens. It is equipped with every sort of benefit you may need during a medical emergency. 


    On: Sep 24, 2019 | Views
  • Impressed with the services!

    The Apollo Munich is a health insurance plan that is prompt in delivering the claim. When I went for the claim, the service was good. Also, they own a wide network of hospitals across the country. These factors make me a huge fan of the insurer. 

    On: Sep 24, 2019 | Views
  • Kept the promise

    You kept your promise. Insurance claim process was done in less than 1 hour, and I got the claim for all my medical bills.  

    On: Sep 14, 2019 | Views
  • Great coverage

    I wanted a health policy for diabetes, and Apollo Munich's Energy plan was my saviour. It is one of the best plans for diabetics with great features and coverage options.

    On: Aug 29, 2019 | Views
  • Team executives very helpful

    If anybody needs any health insurance plan, one should go for Apollo Munich. It is the best! And buy it from InsuranceDekho, they have the most well-informed executives.

    On: Aug 09, 2019 | Views
  • Apollo Munich is quite good and affordable!

    I bought a senior citizen plan from Apollo Munich for my mother and father. The company offers attractive coverage for senior people. The insurer also offer a discount on buying the policy for 2 year term. In short, Apollo Munich is quite good and affordable. 

    On: May 10, 2019 | Views
  • Outstanding Service

    I bought a family floater policy for my family from Apollo Munich. The sum insured amount of my plan is Rs 10 Lakh and I got my first claim settled this year only and I found the Apollo Munich team very prompt in delivery. I am very satisfied. 

    On: May 08, 2019 | Views
  • Apollo Munich is the best insurer

    I have been using Apollo Munich's insurance policy for the past two years. I haven’t had a claim experience until now, but the medical coverage I have received is superb. Also, the customer support service of Apollo Munich has been great. Thanks insurancedekho for recommending Apollo Munich. 

    On: May 07, 2019 | Views
  • I Recommend Apollo Munich to Everyone

    I have a policy from Apollo Munich for the last three years. Not only the coverage offered to me has been great, but the customer service too has been of superior quality. It has been a very good experience so far. I would recommend Apollo Munich to all my friends and relatives.

    On: May 03, 2019 | Views
  • Good experience with Apollo Munich

    At present, I have Optima Restore plan, which I am very happy with. I must say that it is a perfect plan by Apollo Munich. I have my full family covered with Optima Restore, but the premium is quiet less. Overall, my experience with Apollo Munich has been a great one. Thanks insurancedekho for your recommendation!

    On: May 02, 2019 | Views
  • Apollo Munich is my favourite now

    Apollo Munich is the most trustworthy insurers of all. The plan I have at present covers all the required medical expenditures. I am very happy with Apollo Munich as I pay low premium but get high returns. Services are quick and the number of hospitals is good too. Highly recommended!

    On: May 02, 2019 | Views
  • Extremely happy and satisfied

    I went for Apollo Munich, following my friend’s suggestion. The health insurance plan that I currently have offers maximum coverage of expenditures at low premium. Also, the returns are great. The premium payment is simple and so is its claim settlement process. I would recommend Apollo Munich to all! 

    On: May 01, 2019 | Views
  • Outstanding service by Apollo Munich

    I would like to thank Apollo Munich's support staff. The customer care executives of the firm are calm, composed, qualified and helping. I had to buy a family plan and they provided me with the best assistance by clearing all my doubts related to the plan through prompt and detailed explanations. 

    On: May 01, 2019 | Views
  • Nice policies by Apollo Munich

    This is my first health insurance policy with Apollo Munich. My previous experiences with health insurers have not been good. This time, I must say that the services I have been provided with are satisfying. The plan provides extensive coverage as well as lifelong renewability. Haven’t filed a claim yet, but the process seems simple too.

    On: Apr 30, 2019 | Views
  • Apollo Munich is definitely the best

    I had always heard a lot about Apollo Munich and found it to be true. At present, I have Apollo Munich's plan that has vast coverage. I have my entire family covered under the plan and that too, without paying high premium. The investment looks worthy as the services also are fast. Happy and satisfied!

    On: Apr 29, 2019 | Views
  • I recommend Apollo Munich to all.

    I own an individual plan of Apollo Munich. The insurance policy acquire a lot of features that offer a great support to the insured individual at the time of medical emergency. The policyholders can also get a 100% raise in the sum insured after 2 claim free years. I recommend Apollo Munich to all. 

    On: Apr 29, 2019 | Views
  • Good health insurance

    Apollo Munich is the best in the field without any doubt. I have Apollo Munich's plan which has provided coverage for my entire family. I don’t have to pay a high premium. The benefits are multiple and the claim settlement process is simple too. Apollo Munich can be definitely trusted with health insurance.



    On: Apr 28, 2019 | Views

Latest Apollo Munich News

Apollo Munich Contact Details

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Apollo Munich FAQs

  • How long are the policies of Apollo Munich valid for?

    The policies of Apollo Munich are valid for one to two years depending on the policy you have purchased.

  • Is pre-policy medical check-up mandatory?

    No, the pre-policy medical checkup is not mandatory in all cases. It is subject to your age. For example, if you’re 60 or above, you may go for a pre-medical checkup at Apollo Munich's designated clinics.

  • Who is a third-party administrator (TPA) of Apollo Munich?

    Apollo Munich has no TPA. It has its own in-house claim settlement team to handle retail policies. However, the claims of group plans are handled by Family Health Plan Limited (FHPL).

  • Does Apollo Munich pay all medical expenses or only a share of the bill?

    Apollo Munich pays only the medical bill expenses, subject to the terms of the policy. It doesn’t bear the expenses more than the sum assured by the policy. So, if the amount exceeds the sum insured, it is borne by the insured.

  • What types of medical expenses are covered by Apollo Munich?

    All reasonable expenses related to inpatient hospitalisation, pre and post hospitalisation, ambulance costs, room rent, etc. are covered to the maximum cap of the sum assured.

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