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Easy Health Standard Individual

Apollo Munich

Easy Health Standard Individual


EPOLICY ISSUED - This is an ePolicy on Zibika.com of Apollo Munich Health insurance plan. The payment is made in real time on payment gateway and on completion of payment, you are issued your policy in 30 - 40 Minutes on Mon - Friday (In some cases it may take a day to get processed). A soft copy PDF document is mailed to your email ID usually within 5 mins after processing the details.. Hard copy of policy will be couriered by the insurer within 2 weeks, but your ePolicy will provide cover in case of emergency.

Just ring us and quote your customer ID to reach our experts and avail their help in primary consultation, health-related counseling, individual referrals, health information, nutrition and diet.
The services on the Healthline would be available at no extra cost to the customers. They will be constantly augmented to cover further areas of health and well-being to include personalized health and wellness solutions.

Cashless Hospitalization
In addition to reimbursement of claims at all hospitals, the Easy Health Insurance Plan is valid on a cashless basis in over 4000 hospitals listed in the guide book to be sent along with the policy and updated periodically on our website www.apollomunichinsurance.com You need to obtain a pre-authorization for all planned admissions atleast 48 hours prior to actual admission or regularize any ‘emergency’ admission within 24 hours post the admission. The details of the process and the documentation requirements are given in the guide-book sent along with the policy.

Health Risk Assessment
Every Apollo Munich Health Insurance customer will be provided with an access to a health risk assessment tool, which helps to profile each member’s health status through our website. Upon assessment, members will be offered personalized wellness recommendations on diet, lifestyle and nutrition regimen.
Policy Information
Benefits of Apollo Munich Easy Health standard insurance
Plan Standard
Sum Insured per Insured
Person per Policy Year
(in lakhs)
1.00, 2.00, 3.00, 4.00, 5.00
Premium Quotes
SA 1 Lac
SA 2 Lacs
SA 3 Lacs
SA 4 Lacs
SA 5 Lacs
1 In-patient Treatment Yes
2 Pre-hospitalisation Yes
3 Post-hospitalisation Yes
4 Day Care Procedures Yes
5 Domiciliary Treatment Yes
6 Daily Cash for choosing
Shared Accommodation
Rs. 500 per day, Maximum Rs. 3,000
7 Organ Donor Yes
8 Emergency Ambulance Upto Rs. 2,000 per hospitalisation
9 Daily Cash for accompanying
an insured child
10 Newborn baby -
11 Maternity Expenses with Waiting Period of 6 years -
12 Outpatient Dental Treatment with
Waiting Period of 3 years - 50% of reasonable cost
13 Spectacles, Contact Lenses,
Hearing Aid Every Third Year - 50% of actual expenses incurred
14 E-Opinion in respect
of a Critical Illness
15 Additional Cover for Critical Illness -
16 Health Checkup Upto 1% of Sum Insured per Insured Person, only once at the end of a block of every continuous four claim free years.
Benefits under 12, 13, 14 and 16 are subject to pre-authorisation by the TPA
Easy Health Standard Individual Apollo Munich Easy Health Standard Individual
  1. All treatments within the first 30 days of cover except any accidental injury
  2. Any pre-existing condition will be covered after a waiting period of 3 years
  3. Expenses arising from HIV or AIDS and related diseases
  4. Non-allopathic treatments, congenital diseases, mental disorder or insanity, cosmetic surgery and weight control treatments
  5. Abuse of intoxicant or hallucinogenic substances like intoxicating drugs and alcohol
  6. Hospitalization due to war or an act of war or due to a nuclear, chemical or biological weapon and radiation of any kind
  7. Pregnancy, dental treatment, external aids and appliances unless covered under the specific Easy Health Individual Insurance Plan
  8. 2 years waiting period for specific diseases like cataract, hernia, hysterectomy, joint replacement, hydrocele etc.
  9. Items of personal comfort and convenience
  10. Experimental, investigative and unproven treatment devices and pharmacological regimens

Please refer to the Policy Wordings for the complete list of exclusions.
Terms of Renewal from Apollo Munich
  1. We offer life-long renewal unless the Insured Person or any one acting on behalf of an Insured Person has acted in an improper, dishonest or fraudulent manner or any misrepresentation under/or in relation to this Policy or the Policy poses a moral hazard.
  2. 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 years.
  3. Waiting Period- The Waiting Periods mentioned in the Policy wording will get reduced by 1 year on every continuous renewal of your Easy Health Individual Health Insurance Plan.
  4. Renewal Premium- Renewal Premium are subject to change with prior approval from IRDA.
  5. 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 afreash 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.

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 consecutive years as our insured customer.

Pre-existing disease: In case you have any existing condition, please remember to declare all such medical conditions at the time of taking the policy. Pre-existing diseases, except for any medical condition / disease for which we have applied specific exclusion, shall be covered from 4th year of the policy if the proposal is accepted and policy is issued to You.

Please refer to the Policy Wordings for more details.
*Although our best efforts are made to maintain accurate information on Zibika, our visitors are requested to double-check with the respective financial institutions.

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