Apollo Munich Health Insurance

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  • 809364 policies issued
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  • 4650+ network hospitals
  • 89% claim settlement ratio
  • Lifelong renewability
  • Tax benefit under section 80D
  • 180+ physical offices all over India

About Apollo Munich

Apollo Munich Health Insurance Company Ltd. 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

  • 180+ physical offices all over India
  • More than 3,200+ employees
  • 54.99%* Claim Ratio (2017-2018)
  • Facility of portability
  • 4650+ network hospitals for cashless treatment
  • Simple and clear policy wording
  • 95% of the claims are settled within 15 days
  • Lifelong health insurance renewal benefits
  • All daycare treatments cover
  • Over 90% cashless authorization done within 2 hours of claim intimation

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’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. 

Apollo Munich Health Insurance Plan List

Name of PlanSum Insured
Optima RestoreMinimum: 5 Years, Maximum: 65 Years3 Lakh Get Quotes Now
EnergyMinimum: 18 Years, Maximum: 65 Years2 Lakh Get Quotes Now
Dengue CareMinimum: 18 years; Maximum: 65 yearsRs. 50,000 Get Quotes Now
Easy Health Standard Minimum: 5 years; Maximum: 65 years1 Lakh Get Quotes Now

Apollo Munich Health Insurance Top Up List

Name of PlanSum Insured
Optima SuperAdults: Minimum: 18 years; Maximum: 65 years5 lakh, 7 lakh, 10 lakh Get Quotes Now

Claim Process at Apollo Munich Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Intimation

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

    Claim Processing

    Fill in the pre-authorization 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 hospitalization needs intimation within 24 hours and for planned hospitalization 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

  • 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 and provide discounts as well on including the spouse in the health insurance policy. The insurer also offer a discount on buying the policy for 2 year term. In short, Apollo Munich is quite good and affordable. 

    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 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 health 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. 

    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 of superior quality. It has been a very good experience so far. I would recommend Apollo Munich to all my friends and relatives.

    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 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!

    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 Apollo Munich as I pay low premium but get high returns. Services are quick and the number of hospitals is good too. Highly recommended!

    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 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! 

    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 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. 

    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 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.

    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 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!

    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 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. 

    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’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.



    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 hospitalization, pre and post hospitalization, ambulance costs, room rent, etc. are covered to the maximum cap of the sum assured.

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