ApolloMunich Health Insurance

Easy Health Insurance Plans are designed in a way to suit your need and fit your pocket. They will not only guard you against the spiraling medical costs but will also guide you on the path of wellness, providing you a double protection of prevention and cover. The Easy Health Insurance Plans are available for Individuals (Easy Health Individual Health Insurance Plan) and Families' (Easy Health Family Health Insurance Plan). These Plans manage you and your families health-related needs right from consultation and hospitalisation to the post-hospitalisation.

These policies are available on a cashless basis in over 4000 network hospitals thus managing your expenses and providing hassle-free transactions. To provide you with Best Health Insurance coverage and to let you decide the right policy that suits your needs, we have made three variants available, which give you a choice and freedom to decide your premium.

The Easy Health Insurance policies are power-packed with unique features like cash credited on daily basis on choosing shared accommodation, daily cash for accompanying an insured child, maternity expenses*, health check-up, spectacles, contact lenses, etc. and out-patient dental treatment**.

*waiting Period of 6 years (Easy Health-Individual Health Insurance Plan) and 4 years (Easy Health-Family Health Insurance Plan)
** waiting period of 3 years

Let's Uncomplicate With best-in-class benefits

• Wide options Choose from the wide choices of the sum insured starting from Rs 1 lac to 10 lacs and enjoy Best Health Insurance benefits at affordable premium. 
• Portability-A customer-friendly policy that ensures that you avail of most of the accrued benefits when you opt for Apollo Munich Health’s Easy Health Insurance Plans. Assuring the availability of best healthcare, they promise wide ranging benefits. It assures a trouble free medical care giving a provision for a secured tomorrow. The reasonable insurance cost resolves the affordability issues for all.
• Pre-Hospitalization and Post-Hospitalization cover Pre-Hospitalization and Post-Hospitalization cover takes care of medical expenses incurred for treatment before and after hospitalization. It gives you relief from the medical expenses incurred before and after the hospitalization, that can sometimes prove to be as costly as the hospitalization expenses. Intimate your insurer about the hospitalization as per the policy guidelines and enjoy benefit of it.
• Cumulative Bonus-The insured receives an increment on the sum insured on account of a claim free year. The policy entitles the insured to a bonus amount on every renewal. In case of no claim the bonus gets accumulated, hence increasing the coverage amount at no extra cost.
• Tax Benefits Get tax benefits for the premium amount under Section 80D of the Income Tax Act.

Let's Uncomplilcate With value-added services

Health Risk Assessment
We offer our customers maximum health benefits with minimum efforts. The globally validated online health risk assessment is provided to all our customers. This helps them to profile their health status, and will also offer personalised wellness recommendations on diet, lifestyle, nutrition, etc.

Cashless Hospitalisation
Our policies, in addition to reimbursement of claims at all hospitals, are valid on a cashless basis in over 4000 hospitals.


All insured members can call the Healthline and quote their unique customer ID (provided with the policy) to reach our experts and avail primary consultation, health-related consultation, individual referrals, health information, nutrition and diet, at no extra cost.

Let's Uncomplicate With wide choices

We offer three plan variants, to help you choose what’s best for your needs. The cover amount ranges from Rs. 1,00,000 to Rs. 10,00,000 according to the product variant you choose.

• Standard Plan
  The plan is formulated with an objective to get adjusted in varied budgets. It makes health insurance easily accessible by starting the range of sum insured from Rs. 1 lakh. It facilitates the services like day care procedures and emergency ambulance. Health insurance has been simplified with such affordable health care services.
• Exclusive Plan
  It offers the basic health coverage along with certain extra and unique features. It takes care of the maternity expenses and provides an additional optional coverage for eight critical or life-threatening illnesses. Under the canopy of a comprehensive health cover it assures quality health services to the insured. 
• Premium Plan
  This plan provides more extensive benefits like access to an e-opinion. The advice from our expert panel of doctors guides you through your illness or medical situation. The feature of health check up makes this plan replete with beneficial services. This variant is the one for those looking for comprehensive coverage and value added services. 

Terms of Renewal

• We offer life-long renewal unless the Insured Person or any one acting on behalf of an Insured Person has acted in a dishonest or fraudulent manner or any misrepresentation under or in relation to this policy or the Policy poses a moral hazard.
• Maximum Age –There is no maximum cover ceasing age in this policy. For Additional cover of Critical Illness maximum cover ceasing age in this policy would be 70 yrs.
• Waiting Period - The Waiting Periods mentioned in the policy wording will get reduced by 1 year on every continuous renewal of your Easy Health Insurance Plan.
• Renewal Premium- Renewal premium are subject to change with prior approval from IRDA.
• Sum Insured Enhancement – Sum Insured can be enhanced only at the time of renewal subject to no claim have been lodged/ paid under the policy. If the insured increases the sum insured one grid up, no fresh medicals shall be required. In cases where the sum insured increase is more than one grid up, the case shall be subject to medicals. In case of increase in the Sum Insured waiting period will apply afresh in relation to the amount by which the Sum Insured has been enhanced. However the quantum of increase shall be at the discretion of the company.