Easy Health Exclusive for Individuals
Easy Health, the most popular pure health insurance product, brought by Apollo Munich is available in three variants; Standard, Exclusive and Premium. Each and every of these variants offer different set of benefits and coverage limits such that the plan offers cover to people of different sections of society. It is indemnity product that pays for the medical expenses against the treatment of covered peril.
The coverage under this plan can be availed either through Cashless Hospitalization in network hospitals or through reimbursement basis for treatment availed in non-network hospital. When a person seeks treatment in network hospital, he or she avails the same cashless basis, thus, staying away from the problem of raising instant cash at the time of hospitalization. In case of reimbursement, people have to pay the bills on their own and later, can raise them for claim. Apollo Munich has tied up with more than 4000 hospitals across more than 800 cities to help its customers seek treatment on cashless basis.
Easy Health Exclusive offers coverage to its customers with the sum insured range from Rs. 3 lacs to Rs. 7.5 lacs. This amount can be used for the inpatient treatment of covered perils. An insured can also seek coverage for pre- and post-hospitalization expenses. In case of pre-hospitalization benefit, the coverage is offered to the expenses incurred 30 days prior to hospitalization. In case of post-hospitalization benefit, the coverage is offered to the expenses incurred 60 days after the hospitalization. The time period can be increased if an insurer is intimated 5 days prior to the hospitalization. One of the conditions that are to be taken into account is that the cause of the problem should be same for which the claim for inpatient treatment has been accepted.
Besides, it there is coverage for 140 day-care procedures, domiciliary treatment, expenses for organ donor transplant, emergency ambulance coverage, etc. there is also coverage for daily cash for choosing shared accommodation and accompanying an insured child, as per the terms and conditions of the plan.
The plan also offers optional and additional coverage to maternity expenses, under which an insured is paid lump sum money in case of normal or caesarean delivery. The amount paid depends upon the terms and conditions of the plan. There is also an optional coverage for new born baby. Another remarkable benefit of this plan is optional coverage for Critical Illnesses, which works on the principle of benefit and pays an insured, lump sum money, if he or she is diagnosed suffering from any of the covered diseases. There are eight diseases covered under this Critical Illness Rider. These are First Heart Attack, Stroke, Paralysis, Sclerosis, Coronary Artery Surgery, Cancer, Renal Failure and Major Organ Transplantation.
Thus, a person buying Easy Health Exclusive variant can opt for optional benefit of maternity expenses and critical illnesses and can stay secured against medical contingencies. Apollo Munich also offers the benefit of Regular Health check-up to its customers. People can renew their plans regular to avail the facility for their whole life, as there is a facility of lifelong renewal. The company also give the facility of portability to help other people to shift from other providers to Apollo Munich.
It is one of the 5-star rated products, as per the recent survey conducted by different bodies.
The coverage under this plan can be availed either through Cashless Hospitalization in network hospitals or through reimbursement basis for treatment availed in non-network hospital. When a person seeks treatment in network hospital, he or she avails the same cashless basis, thus, staying away from the problem of raising instant cash at the time of hospitalization. In case of reimbursement, people have to pay the bills on their own and later, can raise them for claim. Apollo Munich has tied up with more than 4000 hospitals across more than 800 cities to help its customers seek treatment on cashless basis.
Easy Health Exclusive offers coverage to its customers with the sum insured range from Rs. 3 lacs to Rs. 7.5 lacs. This amount can be used for the inpatient treatment of covered perils. An insured can also seek coverage for pre- and post-hospitalization expenses. In case of pre-hospitalization benefit, the coverage is offered to the expenses incurred 30 days prior to hospitalization. In case of post-hospitalization benefit, the coverage is offered to the expenses incurred 60 days after the hospitalization. The time period can be increased if an insurer is intimated 5 days prior to the hospitalization. One of the conditions that are to be taken into account is that the cause of the problem should be same for which the claim for inpatient treatment has been accepted.
Besides, it there is coverage for 140 day-care procedures, domiciliary treatment, expenses for organ donor transplant, emergency ambulance coverage, etc. there is also coverage for daily cash for choosing shared accommodation and accompanying an insured child, as per the terms and conditions of the plan.
The plan also offers optional and additional coverage to maternity expenses, under which an insured is paid lump sum money in case of normal or caesarean delivery. The amount paid depends upon the terms and conditions of the plan. There is also an optional coverage for new born baby. Another remarkable benefit of this plan is optional coverage for Critical Illnesses, which works on the principle of benefit and pays an insured, lump sum money, if he or she is diagnosed suffering from any of the covered diseases. There are eight diseases covered under this Critical Illness Rider. These are First Heart Attack, Stroke, Paralysis, Sclerosis, Coronary Artery Surgery, Cancer, Renal Failure and Major Organ Transplantation.
Thus, a person buying Easy Health Exclusive variant can opt for optional benefit of maternity expenses and critical illnesses and can stay secured against medical contingencies. Apollo Munich also offers the benefit of Regular Health check-up to its customers. People can renew their plans regular to avail the facility for their whole life, as there is a facility of lifelong renewal. The company also give the facility of portability to help other people to shift from other providers to Apollo Munich.
It is one of the 5-star rated products, as per the recent survey conducted by different bodies.