Objective

This is an online health insurance policy which aims at covering hospitalisation expenses and certain other related expenses.

What does it do?

Out of the three variants of Easy Health Policy, 'Easy Health Standard' is the first and most basic variant. It covers inpatient hospitalisation, day care procedures i.e, the treatment that does not require an overnight stay in hospital, home hospitalisation, hospitalisation expenses of organ donor and ambulance expenses. In addition, it allows a health check up after four continuous claim-free years. There are no sub-limits in case of inpatient treatment. Cover for Ayurveda, Unani, Sidha and Homeopathy is an added advantage.

Pros

There is no cover ceasing age. It offers a life long insurance.
It provides a discount of 7.5 per cent on advance payment of 2-year premium.
It can cover up to four children while most of the policies cover only up to three children.
This policy can be purchased online.
Premium paid under this policy qualifies for deduction under section 80D of Income Tax Act.

Cons

In case, cumulative bonus has been passed and a claim arises during that year, cumulative bonus would be reduced by 20 per cent in the following year.

Our View

Lifelong renewal makes this policy a preferred one. It will cover you at the age when health insurance is utterly required. This policy is recommended, however, if you are looking for a wider coverage, consider higher variants of Apollo Easy Health Plan.

Suited for

This policy is suitable for a family that needs a basic coverage and allows to cover up to two adults and four children.

Eligibility

Entry Age (years)

Minimum

18; 3 months for children

Maximum

65

Maximum Policy Renewal Age (years)

No Limit

Coverage Type

Family floater

Policy Term (years)

1 or 2

Sum Insured (Rs)

Maximum

5 lakh

Minimum

2 lakh

Tax Benefit

Premium paid is eligible for tax benefit under section 80D of the Income Tax Act

Discount

Premium discount of 7.5% on selecting a policy term of 2 years

No Claim Bonus

10% increase in your annual inpatient benefit sum insured for every claim free year, subject to a maximum of 50%. In case a claim is made during a policy year, the cumulative bonus would reduce by 20% in the following year

Grace Period for Policy Renewal

15 days

Policy Termination

Policyholder is allowed to terminate the policy at anytime by giving a written notice. In case no claim has been made under the policy, pro-rata percentage of premium will be refunded. Insurer may also terminate the policy by goving a 30 days notice period

Customer Service

Address

10th Floor, Building No. 10, Tower-B, DLF Cyber City, DLF Phase-II, Gurgaon-122002

Mail to

customerservice@apollomunichinsurance.com

Call to

1800-102-0333

SMS

Easyhealth' to 56767333

Network Hospitals

Http://www.apollomunichinsurance.com/our-hospital-network.aspx

Scope of Cover

Cashless facility

Available at empanelled hospitals in India

Re-imbursement

In case policyholder opts for non empanelled hospital , expenses are re-imbursed within 14 working days from date of submission of all records

Pre-post hospitalisation

Relevant medical expenses covered for upto 60 days prior and upto 90 days post hospitalisation

In-patient Treatment

Covered

Day-Care Procedures

140 day care procedures are covered

Domiciliary Treatment

Covered

Daily cash for choosing shared accommodation

Rs 500 per day, Maximum Rs 3,000

Ayush benefit

covered upto Rs 20000

Expenses for organ donor of transplant

Covered

Emergency Ambulance

Up to Rs 2,000 per hospitalisation

Health Check-up

Upto 1% of Sum Insured only once at the end of a block of every continuous 4 claim free years

Exclusions and Waiting Period

Pre-existing disease

Pre-existing Diseases will be covered after a waiting period of 36 months

No claim period

30 days from policy start date

Waiting Period

24 months for specific illnesses and treatments mentioned in policy document.Domiciliary treatment will be covered if illness continues for 3 consecutive days

General Exclusions

AIDS or related condition.Treatment of mental or related illness