Welcome to Apollo Munich Health Insurance Co. Ltd.

Why Health Insurance ?

Factors
Increase in Lifestyle Diseases

Urban Spending in Healthcare will increase due to a variety of factors

Healthcare Spend in India

Billion

2250
Financial Year09 Financial Year13

Enhanced quality of Hospitals

1290

Increasing Affluence

To double in next 5 years

How do you ensure you can get the best quality treatment even if it costs a lot?
Reduce savings- Postpone a dream Borrow money- Lose dignity Do nothing- Pray Compromise- Feel guilty Take Health Insurance- Protect whats dear to you

Why Apollo Munich

50 Hospitals, 1068 Pharmacies, 8000 Doctors and Trust of 16 million patients

We know healthcare.

Over 5000 Experts across 26 locations Worldwide, Customers from over 100 Countries

We know insurance.

Philosophy
Lets Uncomplicate.
Not only a positioning but a belief and journey.
We make quality healthcare easy and accessible. Simple language, clear policies, transparent procedures and innovative products, making health insurance the way it ought to be.

All our plans come with...

Great Customer Service. 100% Lifelong Renewal. Clear Policy Wordings and Conditions. Cashless Access to the best 10,000 Doctors and 4500 Hospitals in over 800 cities. Tax Deduction under Section 80D. Our Healthcare and Health Insurance expertise. One of the Fastest Claims settlement in the Industry.

Indias First truly Comprehensive Health Insurance Plan

Inpatient Treatment Annual Health Check Up Dental & Vision Care OPD treatment & medicine Critical illness Rider Diagnostic Tests

Maxima

big ILLNESSES, Were for the little Illnesses too

We dont just care for the

Maxima provides an in-patient cover along with hoards of other benefits with an unique out-patient cover. Wide In-patient Hospitalisation cover: Maxima offers ` 3,00,000 cover for In-patient hospitalization, pre and post hospitalization, 140 day care procedures, etc. Wide Out-patient cover: Flexible out-patient benefit within the OPD sum insured covering expenses for doctor consultation, pharmacy expenses, spectacles, contact lenses, health check-up and diagnostic tests. Cashless Hospitalisation: Cashless hospitalisation can be availed at over 4000 hospitals across 800 cities. Life Long Renewal benefit: 100% life long renewal benefit with no cover ceasing age. Additional Critical Illness cover: Optional additional coverage against 8 specified critical illnesses is also available. Renewal benefits: 10% cumulative bonus on in-patient hospitalization Sum Insured for every claim free year and 50% carry forward bonus for unutilized OPD benefits(except Annual Health Check-up).

Maxima Complete
What makes it comprehensive?

Maxima unique
What makes it different?

Out-patient Consultations: 4/6/8 consultations as per plan opted for you and your family anywhere. Pharmacy Expenses: Your pharmacy bills are covered as well. Diagnostics Tests: Cost of diagnostic tests taken by you or anyone covered in your family will also be paid. Specialist Services: Dental treatment, Spectacles and contact lenses are all taken care of up to a certain limit. Health Check-up: Any person above 18 years of age is provided with an Annual Health Check-up (person above 45 years can avail this benefit from second year). Pre-existing illnesses under OPD Benefits, covered: If you need medicines or a Doctor consultation for any pre-existing illness, itll be covered without any waiting period. Flexibility: Enjoy freedom from sub limits. Use the OPD vouchers as per your needs and requirements without worrying about any sublimits. Tax benefits: You have the advantage of saving an optimum amount under section 80 D of Income Tax Act.

In-patient benefits
1 Member 2 Members Sum Insured per Policy year ` 300,000 ` 300,000 a) In-patient Hospitalisation b) Pre-Hospitalisation c) Post-Hospitalisation d) Day Care Procedures e) Domiciliary Treatment f) Daily Cash for choosing Shared Accommodation g) Organ Donor h) Emergency Ambulance i) Daily Cash for Accompanying an Insured Child j) Maternity Expenses* (Waiting Period 4 years) k) Newborn baby cover Optional Benefit Critical Illness* (Offered on Individual basis) 2 Adults + Upto 2 Children ` 300,000

Covered 30 days 60 days 140 procedures Covered Covered ` 500 per day, Maximum ` 3,000 Covered up to ` 2,000 per hospitalisation ` 300 per day; Maximum ` 9,000 Normal Delivery- ` 15,000; Caesarean Delivery- ` 25, 000 (Including Pre/Post Natal limit of ` 1,500 and infant baby limit of ` 2,000) Optional ` 300,000

* Benefits do not dip into In-patient Sum Insured

Out-patient benefits
1 Member 2 Members a) Doctor consultations* b) Diagnostic tests# c) Pharmacy# d) Dental treatment# e) Spectacles, Contact lenses# f) Annual Health Check-up within specified Network** 4 consultations 6 consultations 2 Adults + Upto 2 Children 8 consultations

` 5,000

` 5,500

` 7,000

1 Entitlement Certificate

2 Entitlement Certificates

2 Entitlement Certificates

*The reimbursement against non-network out-patient consultation is restricted up to lower of actual expenses or `400 #The reimbursement against Diagnostic tests, OPD Dental treatment, Spectacles, Contact lenses outside Apollo Munich network is restricted upto lower of actual expenses or the Sum Insured mentioned herein. **Health check-up is available only within the specified network and not available on reimbursement basis.

Remember
expenses arising out of accidental emergency conditions.

30 days waiting period: For the first 30 days of your policy we would provide cover only for medical 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.

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.

Pre-existing disease: In case you have any existing condition, please remember to declare all such

Apollo Munich would not provide cover for...

Expenses arising out of medical conditions like HIV, AIDS & related disease. Expenses arising out of medical conditions pertaining to internal & external congenital diseases. Non-allopathic treatments. Expenses for artificial limb and external devices. Expenses for Cosmetic treatment or items of personal comfort and convenience.

Please refer to the policy wording for the comprehensive set of exclusions

What We OFFER & Others DONT

Offerings
Life Long Policy RenewalCover from Cradle to Grave No Sub-limits on Room RentNo need to compromise on facilities when it comes to healthcare Portability of BenefitsCarry forward of benefits from existing Health Insurance Policy Outpatient benefits Additional Cover for Critical Illness New Born & Maternity Benefits Health Line Support for any time medical assistance Annual Health Check-up

Apollo Munich
YES Offered

Majority of others
Offer cover around 75 years only Limit of room rent up to 1% of the sum insured Not offered resulting in loss of accrued benefits Most Insurers dont offer

Offered

Offered

Offered as optional rider benefit with Others offer as a separate product core inpatient offering Offered with a waiting period Offered Offered Most Insurers dont offer Most Insurers dont offer Most Insurers dont offer

Maxima maths
Its like money coming back to you along with health Insurance cover of ` 3,00,000.
MAXIMA Premium (Incl. Taxes) Tax Benefit U/S 80D^ OPD Entitlement Certificates Effective Inpatient Premium ` 15,216 ` 4,635 ` 10,100 ` 480
What makes it a steal.

1 Adults between the age of 18 45 years

2 Adults between the age of 18 45 years

MAXIMA Premium (Incl. Taxes) Tax Benefit U/S 80D^ OPD Entitlement Certificates Effective Inpatient Premium

` 21,105 ` 4,635 ` 14,900 ` 1570

^Indicative figures. Consult your Tax Advisor for applicable benefits. Tax benefits are subject to changes in Tax Laws.

Our customer comes first

4000 Hospitals, 800 Cities. Cashless Treatment

Commitment

Policy Issuance:

Policy Issuance:

Over 93% of the policies are issued within 7 working days while 83% of the times the policy is issued within 3 working days.

Cashless Authorization: Claim Settlement:

Over 90% of the times, the cashless authorization is done within 2 hours of claim intimation.

Cashless Services:

Over 95% of the claims are settled within 30 days with average claims settlement duration of 15 days for clear cases.

Customer Satisfaction:

Customer Satisfaction:

We keep a track of our customer satisfaction level where on average 85% of our customers are satisfied and advocate for us. Over 80% of our existing customers renew their policy everyyear.

Renewal Rate:

Ours is an uncomplicated success story.

Three of our plans have received a 5 star rating from Economic Times Wealth. Making Apollo Munich Health Insurance plans among the best in the category. Taking care of your health has been good for us.

How to Buy
Contact us on our Toll free Number

1800-103-0555

Visit to our

39

Apollo Munich Health Insurance Company Limited 10th Floor, Tower-B, Building No: 10, DLF Cyber City, DLF City Phase -II, Gurgaon 122002, Haryana, apollomunichinsurance.com

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branch offices across India Our Offices are present in all major cities which include HYDERABAD, CHENNAI, KOLKATA, BANGALORE, MUMBAI, DELHI, PUNE, AHMEDABAD, JAIPUR, CHANDIGARH, LUCKNOW and COCHIN