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Apollo Munich Health Insurance

18 reviews Rate This
Highlights
Claim Settlement Ratio89%
COVID-19 CoverYes
Network Hospitals4650+
Policies Sold809364
RenewabilityLifelong

About HDFC ERGO General Insurance (Apollo Munich Health Insurance)

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.

Health Insurance Calculator

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1115 Apollo Munich Cashless Network Hospitals in India

Save Tax upto ₹75000*
Under Section 80D

*Tax benefits are subject to changes in Income Tax Act.

Claim Process at Apollo Munich Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 and for planned hospitalisation intimate within 48 prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 and for planned hospitalisation intimate within 48 prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

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

Apollo Munich Health Insurance User Reviews

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What users are saying
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  • Price
  • Helpful
  • Network Hospitals
  • Claim
  • Renew
  • Premium
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  • Critical Illness
  • 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...

    Read More
    T
    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 pr...

    Read More
    V
    Apollo Munich
    By Vandana Khare
    On: May 03, 2021
  • Single website for a thorough ...

    InsuranceDekho is a single website where I could do thorough policy research without the necessity to move to ...

    Read More
    S
    Apollo Munich
    By Shukla Naskar
    On: Apr 30, 2021
  • Received guidance through What...

    I wanted to make a claim under  HDFC ERGO General Insurance’s Optima Restore plan through Insurance...

    Read More
    N
    Apollo Munich
    By Navya Palit
    On: Apr 29, 2021
  • Paperless renewal

    Renewing HDFC ERGO General Insurance’s my:health Suraksha plan was conducted in a paperless format on In...

    Read More
    D
    Apollo Munich
    By Debarghya Das
    On: Apr 28, 2021

Latest News on Apollo Munich Health Insurance

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Apollo Munich Health Insurance Contact Details

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FAQ About Apollo Munich Health Insurance

  • 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.  

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