Apollo Munich Health Insurance

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Highlights
  • 4,650+ Network Hospitals
    Check in your City
  • 10,63,052 Policies Issued
  • 63% 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 Health Insurance 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 Health Insurance 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 Health Insurance

  • 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 Health Insurance 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 Health Insurance 1800-102-0333.

Apollo Munich Health Insurance User Reviews

  • Great Insurer for Customers.

    This is an insurer for which customers have always been on the priority and it never lets them down. Its plans are affordable and highly beneficial. T...

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    V
    Vijay Singh
    On: Jan 14, 2020 | Views
  • I love this insurer.

    I am a pro-active person and tries to take measure by anticipating the illnesses or problems. On this note, I searched for the plans with Apollo Munic...

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    R
    Randhir Yadav
    On: Jan 14, 2020 | Views
  • Best Firm for Insurance

    The objective of this Apollo Munich Insurance Company is to bring innovative Health Insurance and Wellness solutions that meet customers’ requir...

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    R
    Rahul Mehra
    On: Dec 24, 2019 | Views
  • Top Insurance Firm.

    Best plans are available under this Apollo Munich. I am using its two plans. It holds several plans of distinguished diseases and health conditions. U...

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    A
    Abdul Razzak
    On: Dec 23, 2019 | Views
  • 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 insuran...

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    S
    Swati Sharma
    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...

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    A
    Ashish Kumar Das
    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.  

    R
    Rohit yadav
    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 featur...

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    a
    abhijeet ratan kambre
    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 w...

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    G
    Gajendra Thakur
    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...

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    R
    Raman Jeet
    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 th...

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    M
    Manjunath
    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 ...

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    K
    Kumar Raushan
    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...

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    M
    Meghraj Sonawane
    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 cover...

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    M
    Mumtaz Begum
    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 A...

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    A
    Aman Maggu
    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 expenditu...

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    M
    Meenakshi Tyagi
    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 ...

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    B
    Bijendra Rawat
    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 th...

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    S
    Syed Bassam Mahmood
    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 en...

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    S
    Sumeet Singh
    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 ...

    Read More
    T
    Tarun Gupta
    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&rsqu...

    Read More
    S
    Sachala Sahu
    On: Apr 28, 2019 | Views

Latest Apollo Munich Health Insurance News

Apollo Munich Health Insurance Contact Details

Reach us for help anytime

Apollo Munich Health Insurance 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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