Welcome to Apollo Munich Health Insurance Co.

Ltd
 Why Health Insurance ?
Urban Spending in Healthcare will increase due to a variety of factors
Factors

Increase in Healthcare Spend in India

Lifestyle Diseases Billion

2250
1290
Enhanced quality

Financial Year’09
of Hospitals

Financial Year’13
Increasing
Affluence
To double in next 5 years
How do you ensure you can get the best quality
treatment even if it costs a lot?
 Reduce savings- Postpone a dream
 Borrow money- Lose dignity
 Do nothing- Pray
 Compromise- Feel guilty
 Take Health Insurance- Protect what’s dear to you
 Why Apollo Munich

50 Hospitals,
1068 Pharmacies,
8000 Doctors and
Trust of 16 million patients
Over 5000 Experts across
26 locations Worldwide,
Customers from over 100 Countries
We know healthcare.
We know insurance.
Philosophy
Let’s Uncomplicate.
Not only a positioning but a belief and journey.
We make quality healthcare easy and accessible.
Simple language, clear policies, transparent procedures and
innovative products, making health insurance the way it ought to be.
 All our plans
come with...
 Great Customer Service.
 100% Lifelong Renewal.
 Clear Policy Wordings and Conditions.
 Cashless Access to the best 10,000 Doctors and
4500 Hospitals in over 800 cities.
 Tax Deduction under Section 80D.
 Our Healthcare and Health Insurance expertise.
 One of the Fastest Claims settlement in the Industry.
 Maxima
India’s First truly Comprehensive Health Insurance Plan

Inpatient Treatment
Annual Health Check Up

We don’t just care for the Dental & Vision Care

big ILLNESSES, OPD treatment & medicine
We’re for the little Illnesses too Critical illness Rider
Diagnostic Tests
Maxima provides an in-patient cover along with hoards of other benefits with
an unique out-patient cover. Maxima Complete
What makes it comprehensive?
• Wide In-patient Hospitalisation cover: Maxima offers ` 3,00,000 cover
for In-patient hospitalization, pre and post hospitalization, 140 day care
procedures, etc.
• Wide Out-patient cover: Flexible out-patient benefit within the OPD sum
insured covering expenses for doctor consultation, pharmacy expenses,
spectacles, contact lenses, health check-up and diagnostic tests.
• Cashless Hospitalisation: Cashless hospitalisation can be availed at over
4000 hospitals across 800 cities.
• Life Long Renewal benefit: 100% life long renewal benefit with no cover
ceasing age.
• Additional Critical Illness cover: Optional additional coverage against 8
specified critical illnesses is also available.
• Renewal benefits: 10% cumulative bonus on in-patient hospitalization
Sum Insured for every claim free year and 50% carry forward bonus for
unutilized OPD benefits(except Annual Health Check-up).
Maxima unique
What makes it different? • Out-patient Consultations: 4/6/8 consultations as per plan opted
for you and your family anywhere.
• Pharmacy Expenses: Your pharmacy bills are covered as well.
• Diagnostics Tests: Cost of diagnostic tests taken by you or anyone
covered in your family will also be paid.
• Specialist Services: Dental treatment, Spectacles and contact
lenses are all taken care of up to a certain limit.
• Health Check-up: Any person above 18 years of age is provided
with an Annual Health Check-up (person above 45 years can
avail this benefit from second year).
• Pre-existing illnesses under OPD Benefits, covered: If you need
medicines or a Doctor consultation for any pre-existing illness,
it’ll be covered without any waiting period.
• Flexibility: Enjoy freedom from sub limits. Use the OPD vouchers
as per your needs and requirements without worrying about any
sublimits.
• Tax benefits: You have the advantage of saving an optimum
amount under section 80 D of Income Tax Act.
In-patient benefits
1 Member 2 Members 2 Adults +
Upto 2 Children
Sum Insured per Policy year ` 300,000 ` 300,000 ` 300,000
a) In-patient Hospitalisation Covered
b) Pre-Hospitalisation 30 days
c) Post-Hospitalisation 60 days
d) Day Care Procedures 140 procedures Covered
e) Domiciliary Treatment Covered
f) Daily Cash for choosing Shared Accommodation ` 500 per day, Maximum ` 3,000
g) Organ Donor Covered
h) Emergency Ambulance up to ` 2,000 per hospitalisation
i) Daily Cash for Accompanying an Insured Child ` 300 per day; Maximum ` 9,000
j) Maternity Expenses* (Waiting Period 4 years) Normal Delivery- ` 15,000;
Caesarean Delivery- ` 25, 000 (Including Pre/Post Natal
limit of ` 1,500 and infant baby limit of ` 2,000)
k) Newborn baby cover Optional
Optional Benefit
Critical Illness* (Offered on Individual basis) ` 300,000

* Benefits do not dip into In-patient Sum Insured

Out-patient benefits

1 Member 2 Members 2 Adults +

Upto 2 Children

a) Doctor consultations* 4 consultations 6 consultations 8 consultations

b) Diagnostic tests#
c) Pharmacy# ` 5,000 ` 5,500 ` 7,000
d) Dental treatment#
e) Spectacles, Contact lenses#

f) Annual Health Check-up within 1 Entitlement 2 Entitlement 2 Entitlement

specified Network** Certificate Certificates Certificates

*The reimbursement against non-network out-patient consultation is restricted up to

lower of actual expenses or `400
#The reimbursement against Diagnostic tests, OPD Dental treatment, Spectacles, Contact
lenses outside Apollo Munich network is restricted upto lower of actual expenses or the
Sum Insured mentioned herein.
**Health check-up is available only within the specified network and not available on
reimbursement basis.
 Remember
• 30 days waiting period: For the first 30 days of your policy we would provide cover only for medical
expenses arising out of accidental emergency conditions.
• 2 years disease specific waiting period: For specific diseases like cataract, hernia, hysterectomy,
joint replacement, hydrocele etc your claims would be payable only after you have completed 2 consecu-
tive years as our insured customer.
• Pre-existing disease: In case you have any diseases at the time of taking the policy then the claims
pertaining to the same would be payable only from the 4th year onwards of taking the policy. Please
remember to declare all medical conditions at the time of taking the policy so that we can pay your claims
faster. This condition is not applicable for OPD benefits.
• Apollo Munich would not provide cover for...
• Expenses arising out of medical conditions like HIV, AIDS & related disease.
• Expenses arising out of medical conditions pertaining to internal & external congenital diseases.
• Non-allopathic treatments.
• Expenses for artificial limb and external devices.
• Expenses for Cosmetic treatment or items of personal comfort and convenience.
Please refer to the policy wording for the comprehensive set of exclusions
What We OFFER & Others DON’T
Offerings Apollo Munich Majority of others
Life Long Policy Renewal- YES Offer cover around 75 years only
Cover from Cradle to Grave
No Sub-limits on Room Rent- Offered Limit of room rent up to 1% of the
No need to compromise on facilities sum insured
when it comes to healthcare
Portability of Benefits- Offered Not offered – resulting in loss of ac-
Carry forward of benefits from exist- crued benefits
ing Health Insurance Policy

Outpatient benefits Offered Most Insurers don’t offer

Additional Cover for Critical Illness
New Born & Maternity Benefits
Health Line Support
for any time medical assistance
Annual Health Check-up
Offered as optional rider benefit with Others offer as a separate product
core inpatient offering
Offered Most Insurers don’t offer
with a waiting period
Offered Most Insurers don’t offer
Offered Most Insurers don’t offer
 Maxima maths
What makes it a steal.
It’s like money coming back to you along with
health Insurance cover of ` 3,00,000.

MAXIMA Premium (Incl. Taxes) ` 15,216

1 Adults between the Tax Benefit U/S 80D^ ` 4,635
age of 18 – 45 years OPD Entitlement Certificates ` 10,100
Effective Inpatient Premium ` 480

MAXIMA Premium (Incl. Taxes) ` 21,105

2 Adults between the Tax Benefit U/S 80D^ ` 4,635
age of 18 – 45 years OPD Entitlement Certificates ` 14,900
Effective Inpatient Premium ` 1570

^Indicative figures. Consult your Tax Advisor for applicable

benefits. Tax benefits are subject to changes in Tax Laws.
 Commitment
Our customer comes first
4000 Hospitals, 800 Cities. Cashless Treatment

Policy Issuance:
Over 93% of the policies are issued within 7 working days while
Policy 83% of the times the policy is issued within 3 working days.
Issuance: Cashless Authorization:
Over 90% of the times, the cashless authorization is done within
2 hours of claim intimation.
Claim Settlement:
Cashless Over 95% of the claims are settled within 30 days with average
Services: claims settlement duration of 15 days for clear cases.
Customer Satisfaction:
We keep a track of our customer satisfaction level where on
average 85% of our customers are satisfied and advocate for us.
Customer
Renewal Rate:
Satisfaction:
Over 80% of our existing customers renew their policy everyyear.
 How to Buy
Contact us on our Toll free Number

1800-103-0555
Visit to our

39
branch offices across India
Our Offices are present
in all major cities which
include HYDERABAD,
CHENNAI, KOLKATA,
BANGALORE,
MUMBAI, DELHI,
PUNE, AHMEDABAD,

Insurance is the subject matter of the solicitation

JAIPUR, CHANDIGARH,
LUCKNOW and COCHIN
Apollo Munich Health Insurance Company Limited
10th Floor, Tower-B, Building No: 10, DLF Cyber City,
DLF City Phase -II, Gurgaon 122001, Haryana,
Branch Locator
apollomunichinsurance.com