Easy Health Premium for Individuals
Apollo Munich, a joint venture between the Apollo Group of Hospitals and Munich Health, has brought in numerous products; each well thought and designed to cater to the medical needs of people. One of the remarkable products brought by it is Easy Health Premium variant. This plan offers complete coverage to people such that they can enjoy life under the benefits.
Easy Health is a pure health insurance product that works on the principle of indemnity. It pays for the medical expenses incurred for the treatment of covered peril. The plan offers its buyers the wide sum insured options, ranging from Rs 4 lacs to Rs 10 lacs. The coverage umbrella include expenses for diagnostic procedures, the intensive care unit, boarding and lodging, operation theatre, anesthesia, blood, oxygen, surgical appliances and other medical expenses, as stated in the policy wordings.
Besides inpatient treatment, there is coverage for pre- and post-hospitalization expenses, which takes into account medical expenses incurred before and after the hospitalization. This coverage is offered only for certain number of days, as specified in the terms and conditions. Thus, it is very important o go through the policy wording before buying the plan. The wide coverage offered to Easy Health Premium customers includes many more benefits, like Emergency Ambulance Expenses, Organ Donor Expenses, Day-care Procedures, Domiciliary treatment, etc.
The plan offers comprehensive coverage. It offers Critical Illness Cover and maternity expenses as optional benefits with this plan. One should opt for both these covers in order to avail the complete benefits of the plan. The maternity coverage entitles an insured a sum of lump sum payment in an event of child birth. Here, the coverage limits are slightly higher than Exclusive plan. The coverage limit depends upon the sum insured amount and the conditions whether the delivery of the baby is normal or caesarean. It may also include pre-and post-natal coverage and new born baby limit.
Critical Illness Cover benefits can be opted for eight enlisted diseases, like those in Exclusive variant. The diseases covered are Cancer, First Heart Attack, Sclerosis, Major Organ Transplantation, Renal Failure, Coronary Artery Surgery, Stroke and Paralysis. The definitions of each and every of these diseases are clearly stated in policy wording, with clear elaboration of the conditions under which coverage would be offered. It is to avoid hassles that are generally faced by people at the time of raising claim. It is therefore advisable to go through the complete policy wordings carefully in order to know about all the terms and conditions.
Few of the exclusive features of this plan are:
1. Out-patient dental treatment - It includes 50% of the admissible expenses, up to 1% of sum insured amount, maximum up to Rs 5000. This coverage can be availed only after a waiting period of 3 years.
2. Spectacles lenses, contact lenses, hearing aid - The coverage includes 50% of the admissible expenses, maximum up to Rs. 5000.
3. E-opinion in case of critical illnesses - An insured can opt for one e-opinion per policy period.
It is a very carefully designed plan that offers a wide variety of benefits to its buyers. The plan can be purchased by anyone beyond 5 years of age with maximum entry age of 60 or 65 years, with no cover ceasing age. One can avail of lifetime coverage, by getting the plan renewed timely. So, enjoy the complete coverage with Easy Health Premium plan.
Easy Health is a pure health insurance product that works on the principle of indemnity. It pays for the medical expenses incurred for the treatment of covered peril. The plan offers its buyers the wide sum insured options, ranging from Rs 4 lacs to Rs 10 lacs. The coverage umbrella include expenses for diagnostic procedures, the intensive care unit, boarding and lodging, operation theatre, anesthesia, blood, oxygen, surgical appliances and other medical expenses, as stated in the policy wordings.
Besides inpatient treatment, there is coverage for pre- and post-hospitalization expenses, which takes into account medical expenses incurred before and after the hospitalization. This coverage is offered only for certain number of days, as specified in the terms and conditions. Thus, it is very important o go through the policy wording before buying the plan. The wide coverage offered to Easy Health Premium customers includes many more benefits, like Emergency Ambulance Expenses, Organ Donor Expenses, Day-care Procedures, Domiciliary treatment, etc.
The plan offers comprehensive coverage. It offers Critical Illness Cover and maternity expenses as optional benefits with this plan. One should opt for both these covers in order to avail the complete benefits of the plan. The maternity coverage entitles an insured a sum of lump sum payment in an event of child birth. Here, the coverage limits are slightly higher than Exclusive plan. The coverage limit depends upon the sum insured amount and the conditions whether the delivery of the baby is normal or caesarean. It may also include pre-and post-natal coverage and new born baby limit.
Critical Illness Cover benefits can be opted for eight enlisted diseases, like those in Exclusive variant. The diseases covered are Cancer, First Heart Attack, Sclerosis, Major Organ Transplantation, Renal Failure, Coronary Artery Surgery, Stroke and Paralysis. The definitions of each and every of these diseases are clearly stated in policy wording, with clear elaboration of the conditions under which coverage would be offered. It is to avoid hassles that are generally faced by people at the time of raising claim. It is therefore advisable to go through the complete policy wordings carefully in order to know about all the terms and conditions.
Few of the exclusive features of this plan are:
1. Out-patient dental treatment - It includes 50% of the admissible expenses, up to 1% of sum insured amount, maximum up to Rs 5000. This coverage can be availed only after a waiting period of 3 years.
2. Spectacles lenses, contact lenses, hearing aid - The coverage includes 50% of the admissible expenses, maximum up to Rs. 5000.
3. E-opinion in case of critical illnesses - An insured can opt for one e-opinion per policy period.
It is a very carefully designed plan that offers a wide variety of benefits to its buyers. The plan can be purchased by anyone beyond 5 years of age with maximum entry age of 60 or 65 years, with no cover ceasing age. One can avail of lifetime coverage, by getting the plan renewed timely. So, enjoy the complete coverage with Easy Health Premium plan.