Mediclaim Policy

All those who are looking for the best mediclaim policy, buy Apollo Munich’s Easy Health. it is available in two variants—Individual and Family. This family variant is one of the family healthcare plans that can offer coverage to an insured, spouse, dependent parents and dependent children. Each of these variants is available in three sub variants—Standard, Premium and Exclusive, each if which has its own coverage limits and range of sum assured. Premium variant offers sum assured in the range of 4 lakh to 10 lakh. Exclusive variant offers sum assured in the range of 3 lakh to 7.50 lakh. Standard variant offers sum assured in the range of 2 lakh to 5 lakh.

Its coverage limits extend to hospitalization expense, pre- and post-hospitalization expenses, day-care procedures, domiciliary treatment, daily cash for choosing shred accommodation, maternity benefit, spectacles lenses, ambulance charges etc. In addition, there is also optional and additional coverage for eight major critical illnesses and new born baby coverage in its Premium and Exclusive variant.

This plan offers wide cover at reasonable rates. One of the important benefits of this plan is that its benefits can be availed for the whole life, as it comes with lifelong renewal feature.

Health Policy

Health policy is the right means to be used to finance medical expenditure, but many people believe that these plans should be brought in old age, when a body becomes prone to health risks. It shows that this is the pool of people who are not much aware of the benefits of a health policy.

Health policy, if brought at early age, offers the following benefits;-

• A person would not be able to enjoy the benefit of cumulative bonus that one gets for claim-free years.

• A person buying health insurance at early age has to pay less premium amount,

• A person spends much on his/her healthcare, which would have been covered, if he/she would have been insured.

• Maximum number of health insurance plans in India has cover ceasing age, beyond which there is no coverage offered.

• If a plan is bought at old age, when a human body becomes more prone to diseases, waiting period can keep an insured away from the coverage.


An ideal way to adopt is to buy health policy with lifelong renewal at early age and get it renewed regularly. Apollo Munich offers this benefit of lifelong renewal with its plans.

Healthcare

All human beings need to take care of their health by any means. Health risks are quite common, as we see people facing accident or other mishaps in their life, which bring an enormous change in their life style. This change is only due to expensive medical treatment that they availed. After a person come across financial stress, he/she realizes the importance of healthcare insurance, which should have been purchased much earlier.

It is, therefore, recommended to buy healthcare insurance plans to seek quality medical treatment at the time of medical emergency. These plans offer the facility of cashless hospitalization, using which an insured can go to any network hospital and can seek medical treatment without paying for the same. An insurer pays for these medical bills on behalf of an insured. Apollo Munich offers this facility in more than 4000 hospitals in the country.

Along with it, there is a facility of reimbursement for the treatment availed for the covered peril in non-network hospital. The claim raised against the medical bills gets settled within few working days. Apollo Munich is known for fast approval and quick settlement. Therefore, it has been the choice of millions in India.

Medical Insurance Providers

There are many people who believe that heath or medical insurance is not required by healthy individuals. There are many people in India who believe that investing in health insurance is not much useful. As a result, large pool of people in India re not insured.

Total healthcare expenditure in the country, as per healthcare statistics, is around $40 billion. Out of it, only $2 billion is financed by medical insurance providers. There is a difference of $38 billion, which is the direct measure of scope for health or medical insurance providers. These providers should spread health insurance awareness among the Indian masses and should design products, as per the health needs of people.

It is said that an individual who purchases health insurance is able to live a life to a greater extent. He/she goes for regular health checkups and seeks treatment at the earliest as he/she does not worry for the high rising medical expenses. Medical insurance providers should join hands with other associated bodies in improving the condition of medical insurance in India.
Apollo Munich, a medical insurance provider, is one of the active players that have emerged with the aim to demystify health insurance for the citizens of India.

Health Insurance Premium

Health insurance is becoming must for all people. it brings an insurer and an insured into contract, in which an insurer offer health cove, on occurrence of specific event and an insured promises to pay specific amount for the specific time period. This amount is called health insurance premium.

It may vary from plan to plan and from company to company. In brief, health insurance premium is a very small amount paid towards coverage of lakhs of rupees. There are people who are living with the wrong belief that health insurance is expensive and so cannot be purchased. These people should be made aware that there is a wide range of these products, designed for people of all income groups.

A person needs to choose a plan, as per his/he needs and budget. In order to make the task easier, reputed companies, like Apollo Munich, give health insurance rate charts for the people, buying through agent. These charts directly show the amount to be paid with regard to coverage limit. Health insurance companies have also brought Online Premium Calculator, which is very easy to operate and the customer can calculate his/her own premium through this calculator, before buying the plan.

Health Insurance Company

Healthcare statistics show that condition of health insurance in India is very poor. Majority of people in India pay medical expenses from their pockets. Only 15% of people are able to get their medical expenses financed. If it continues, it will become very difficult for uninsured individuals to avail quality medical treatment over next few years.

Before this situation become serious and deprives human beings from healthcare solutions, every health insurance company should take pains in spreading this information among the masses. Medical care providers along with Government and Regulator should take steps in educating people about the increasing medical costs and its impact.

Thus, every health insurance company should identify healthcare needs of people and design products accordingly. People should understand the need of these plans and should buy the same to make medical treatment easy. Financial cover at the time of medical exigency is much helpful.
There are several health insurance products brought by various health insurance providers.

Apollo Munich Health Insurance has emerged with the aim to Uncomplicate health insurance for the people of India. The company has brought simple policy wording with every of its plans so that everybody can understand the terms and conditions of the plan and can buy accordingly.

Family Health Insurance Plans

Anyone can fall sick and may require hospitalization. The biggest problem that a person faces at the time of hospitalization is paying for the medical expenses. Long medical bills that one is supposed to settle makes all family members run for the arrangement of funds. Few people borrow money, few sales off household assets. Few try to arrange for loans etc. Whatever the way adopted; neither of these decisions is good enough to keep financial stress away from the family.

Thus, to ensure that a family stays away from financial crises, buy family health insurance plans. It offers coverage to all family members, which may include you, your spouse, your dependent parents and your dependent children. Thus, buying this plan will help al family members to avail quality medical care without any financial problem. So, get insured and keep your family members away from these issues that can be engendered at any time of life.

Apollo Munich’s Easy Health is one of the best family health insurance plans that is designed to include 2 adults and up to 4 children. There are many plans but very few offer cover for 4 children, thus giving relief to couple with three kids.

Buy Medical Policy Online

People have started using internet for surfing information, communicating and carrying out e-commerce activities. This means is not only user-friendly but also easily accessible. A person can carry out the work at their convenience at any time of day or night. It is the best means as per the hectic schedule of the common individual. Looking into the comfort and convenience offered, almost every business units has founded an online means to carry out the trade.

Health or medical insurers have started ‘Buy Medical Policy Online’ and ‘Online Renewal’ features to help people to buy and renew their plan online. Now, a person can do it without the help of any agent or involving him/her in long paper work.

Apollo Munich’s ‘Buy Medical Policy Online’ feature issue health insurance plan in just four simple steps:-

• Select a plan—It gives you a list of plan. You can choose the one that fulfill bets of your health needs.

• Create a proposal—You need to fill this small form before the policy is issued.

• Insure Details-- It asks for basic detail of an individual or family, as the case may be.

• Make a Payment—You can pay for the policy from your debit or credit card.

Buy Insurance Online

Don’t you have time to meet agents? Are you following a busy lifestyle? This is one of the common problems faced by myriad of Indian people.

The best means used to find the solution for this problem is internet. This digital mean has made it easier for people to access everything, right from surfing to communication, at their convenience. Now, a person can use internet and can look for information on any topic, can communicate to their loved one; sitting at any corner of the world and can carry out trading and many other tasks either during a day or night with the comfort of their home.

Looking into the convenience offered, several health insurers have started “Buy Insurance Online” feature that gives people an access to buy health insurance online. Now, there is no need t call agents and discuss about various available plans. A person can spend some time in searching for the plans, as per his/her needs and can buy the same online without visiting any agent or broker for the same. Debit or credit cards can be used to make the payment through payment engine.

Apollo Munich’s ‘Buy Insurance Online’ feature issues policy in just few clicks of the mouse, thus keeping a person away from the related hassles.

Best Insurance Company

Which is the best insurance company? Who offer the best health insurance? A person looks for the answer to these questions before buying the one for him/her. It is because of a human nature that everybody wants the best.

The best insurance company is the one that has earned maximum goodwill for providing best products and services. The best insurer has maximum number of satisfied customers. Recent study shows that Apollo Munich has earned good reputation, when judged on all these parameters.

The company has emerged with the aim to demystify health insurance for the people of India. Thus, it brings simple and easy terms and conditions stated in its policy wording. There are no jargons used to help people to understand their plans. It has reduced the number of claim rejections, as people get an idea of their covered and non covered perils.

Besides it, Apollo Munich is making several initiatives to make health insurance an uncomplicated product. There are much efforts made to spread health insurance awareness among the Indian population in order to make medical treatment hassle-free. Working on these lines, Apollo is looking forward to offer cover to more than 500 million people over next five years and thus, it can be said to be the best insurance company in India.

Best Health Insurance Plan

How can find the best health insurance plan? What ways should be adopted in order to reach to the best plan? How much to pay for the same?

These are some of the common questions that interrupt a person’s mind, when he/she decides to buy the same. An ideal way to reach to the best plan is to look into your healthcare needs. A plan chosen on behalf of these needs will surely turn out to be the best plan. A person should always remember that health needs for one differs form the other and hence should make independent choice in spite of choosing the same that his/her friend or relative purchased.

Once you have compared available health insurance plans, don’t forget to buy from a reputed provider, as they offer best products and services. Apollo Munich has earned much popularity for providing the comprehensive plans at reasonable rates. Many Indian citizens are of this belief that it is the best provider and Its Easy Health, easily affordable plan is the best health isnaurcne plan in India. This plan is designed looking into healthcare needs of people of different income groups. Thus, there are three variants—Standard, Premium and Exclusive. A person can choose, as per his/her needs.

Critical Illness Cover

Critical Illness Cover is a cover for serious illness, which a person can suffer from in his/her life. There are some diseases, whose medical treatment cost is too high and thus, there is a need of special cover for them so that a person can avail quality healthcare without any financial stress.

Critical Illness Cover offers you lumpsum payment, as promised in plan’s condition; if an insured suffers from any of them. There are many health insurers that offer separate plans for the same. At the same time, there are health insurance providers that have included this facility in their pure health insurance plans. Easy Health plan from Apollo Munich, offers Critical Illness Cover as an optional and additional facility with it.

It is a complete health insurance plan that offers this coverage against eight illnesses—Cancer, First Heart Attack, Sclerosis, Paralysis, Coronary Artery Surgery, Stroke, Major Organ Transplantation and Kidney Failure.

Easy Health is available in three variants—Standard, Premium and Exclusive, each with its own coverage limits. It is a plan that is designed keeping the health needs of people of all income groups. This plan comes with lifelong renewal feature to help its customer to enjoy the coverage for the whole life.

Economical Health Insurance

Economical Health Insurance product is an easiest way to curtail down the amount spent on medical expenditure. Many people are skeptic whether they should buy such products or not? Whether they will get sufficient coverage or not?

Economical health insurance products offer adequate health coverage at cost-effective price but People choosing health insurance plan on behalf of premium amount do not end up with a right choice. Such plans do not offer them enough coverage. Hence, it is advisable to search thoroughly before buying the one.

If you want to have an economical health insurance, take care that you look into or compare plan. It is one of the crucial steps. Plans should be compared on the basis of several associated terms, such as coverage limit, waiting period, deductibles, co-payment, facilities etc. It will help you in reaching to the right economical plan. You might have to pay some extra amount but will get the best coverage.

Apollo Munich, a joint venture between the Apollo group of Hospitals and Munich Health, is the best health insurance provider in the country. It offer plans with wide coverage at reasonable price. Their plans are not cheap but economical.

Family healthcare insurance

One of the biggest problems that an individual faces in his/her life, when any of the family members meet unforeseen event is paying for the treatment expenses. Medical cost is increasing so speedily that people find it difficult to seek quality medical treatment. But, when there is an option to finance medical expenditure, it is strange that people do not use it. The reason behind it might be the lack of awareness or lack of trust on these health insurance providers.

In order to improve this condition, people should be educated about the benefits of family healthcare insurance so that they can get an access to quality medical care. This will help them in paying medical expenses. Family health care insurance are the plans designed to offer health coverage to health needs of all family members, which may include, you, your spouse, your dependent children and your dependent parents.

Apollo Munich’s Easy health plan is the most sought after family healthcare insurance plan. It is available in three variants-- Standard, Exclusive and Premium and can be purchased by both individual and family. It offers complete coverage to a person who gets hospitalized due to sickness or due to any unforeseen event.