Apollo Munich—a pure health insurer

Apollo is the most popular healthcare group in Asia. People are quite aware of this word as it is believed that it is believed to have expertise in the field of healthcare, because of a team of highly qualified and dedicated staff that offers best quality healthcare service. Few years ago, the Apollo Group of Hospitals decided to enter the health insurance sector in India and thus, joined hands with Munich Health, new business part of Munich Re, Europe’s leading insurer.

It led to the foundation of Apollo Munich. The company was set up with the objective to Uncomplicate health insurance for the people of India and is working in the same direction. It promises its customers to take the fear out of faces, the jargon out of words, the bitter out of medicines and the trouble out of treatment. Apollo Munich is looking forward to offer coverage to more than 500 million people over next 5 years.

The company has adopted a unique ideology of identifying people’s health needs and then designs the product accordingly. Its newest product Optima Cash is designed after identifying the need of coverage to additional hospitalization expenses. Optima Cash is a daily cash hospital benefit plan that pays a Lumpsum payment to an insured, depending upon the number of days he/she is hospitalized.

Affordable Individual Health Insurance: Indians’ favorite

There are many people in India who want to have affordable individual health insurance. These plans offer wide coverage at cost-effective prices. These plans offer financial coverage for medical exigencies and at the same time, they have to pay less premium amount for the same. It is not advisable to opt for the plans with narrow coverage. Thus, a person should look into both premium and coverage limits while choosing a plan.

Apollo Munich’s Easy Health—Individual Plan is one of the affordable individual health insurance plans that are most popular among the citizens of India. The plan offers wide coverage to its customers. It includes hospitalization expenses, pre-hospitalization, post-hospitalization, day-care procedures and many others. This plan offers wide coverage.

Moreover, there are value-added services that come alongside the policy. These are Cashless Hospitalization and Healthline. Cashless Hospitalization facility gives an insured an access to avail treatment in network hospital, where your medical expenses would be settled directly by your insurer. Healthline is a facility that gives an insured an access to call experts and get advice on health issues.

The most important benefits of this affordable individual health insurance plan is that it comes with lifelong renewal feature.

Buy Mediclaim Health Insurance - facility of lifelong renewal

85% of people in India continue to pay medical expenses from their pocket. It is one of the causes which are responsible for the backwardness of our country. It is pathetic, as in spite of a tool of health insurance to finance medical expenses, people are not putting it to use. It may be because people are not aware of the benefits of health insurance or they do not trust these providers. Whatever the reason may be, the immediate need is to encourage them to buy mediclaim health insurance, so they can get quality healthcare, when needed.

When you buy mediclaim health insurance, you do not have to worry about medical costs that may arise in case of hospitalization at the time of unexpected events, subject to terms and conditions.

Health insurance providers should identify the health needs and should provide the plans, offering coverage to the same. Apollo Munich Health Insurance Company, a pure joint venture between the Apollo Group Hospitals and Munich Health, is one of the companies that follow this approach. So buy mediclaim health insurance from Apollo Munich and enjoy health coverage. It is the first provider to bring the facility of lifelong renewal.

Encourage People To Buy Medical Policy

It is really pitiable to say that myriad of Indian citizens India do not use health insurance as an vehicle to finance medical expenditure. Study shows that total healthcare expenditure in India sums up to $40 billion, but only $2 billion is financed by health insurance companies. The huge difference of $38 billion is paid by people from their pockets. The high rising medical expenses keep people away from quality healthcare. Thus, there is a need to encourage people to buy medical policy such that they could seek quality healthcare from the hands of experts without bringing any financial stress to a family.

An individual should buy medical policy at the early age, as it brings along with it lots of benefits. An individual can get wider choice of plans at this age. All plans that come with cover ceasing age might not be available for elderly age group. One should also try and get the plan with lifelong renewal facility.

Apollo Munich, a pure health insurance company in India, is the first provider to bring the facility of lifelong renewal for the Indian citizens. It helps them to seek quality medical treatment. The company has really made good efforts in encouraging people.

Accident Insurance and a relief to a family

People in India fear of the word ‘Accident’, as this event does not only results in bodily injuries but sometime may lead to death or disablement. A person might become victim of such events and might bring health risks or the problems along with it. One of the biggest problems that a family faces is financial problems.

At these times of medical emergencies, a person might have to pay long hospitalization bills. Are they affordable? Such questions distract mind. So, before a person becomes victim of any such incident, he/she should get accident insurance, as these products bring relief to the entire family.

Accident insurance plans are well designed to offer a lumpsum payment of sum assured in case of death of an individual due to accident. It pays for a certain proportion of sum assured amount in case of disablement or other bodily injuries. The amount payable depends upon the bodily injuries incurred and the coverage limits of the plan.

Apollo Munich’s Individual Personal Accident plan is a well thought and designed. It offers coverage to death, disablement and other bodily injuries. To make it suitable for people of all income groups, the plan is available in two variants—standard and Premium.

Buy Medical Insurance – as per need

The current healthcare statistics show that the health insurance condition in India is not good. There is very small pool of people who are insured and thus, are able to seek quality medical care, when required. The reason is that medical costs are increasing speedily and they are not wealthy enough to pay for the same from their pockets. But, it become must at the time of medical emergency and thus, family members look for various available options and bring financial stress.

An ideal way to stay away from these issues is to buy health insurance. There are various types of these plans. A person can buy medical insurance, as per his/her needs and budget.

Few of its plans work on the principle of benefit that pays an insured a lumpsum amount, as per the terms and conditions of the plan while other work on the principle of indemnity and pays for the medical expense incurred. Accident insurance is the example of the former and health insurance is the example of the later.

Apollo Munich, a pure health insurance, has brought plans of all types of plans and offerings coupled up best services and facilities. They are first to offer lifelong renewal facility to help people enjoy coverage throughout the entire life.

Best Mediclaim Policy - enjoy life more

Looking into the change in lifestyle and the increasing number of diseases, no one can deny the fact that health insurance is too important. It is believed that people who are insured can enjoy life more. They do not have to worry for the financial anxieties that may come into their path of life, if they meet any unforeseen incident. They have an access to wide network of hospitals for seeking quality medical treatment.

But, all this can be done if the health insurance purchased by a person offers sufficient coverage. Realizing the same, people look for best mediclaim policy. A person should focus on his/her healthcare needs and compare health insurance plans quotes in order to reach to the best mediclaim policy.

Apollo Munich is one such provider that has brought numerous plans- Easy Health, Individual Personal Accident plan, Insure Health, Maxima, Optima Cash and Easy Travel. Many of these plans have variants under them such that they can fulfill health needs of people of different sections of society. It is first health insurance provider to bring the facility of lifelong renewal with its plans. thus, it helps an insured to enjoy health cover for the entire life.

Family Health Insurance - required in times of medical emergency

You never know at what stage of life does any of your family members meets a sudden mishap that might bring a great change in life of all family members. It may be an accident or sickness. There is no doubt that medical science is progressing and there is a cure for almost all diseases, but it shall be kept in mind that financial issues keep many of them deprived of this treatment.

Thus, everybody should buy family health insurance to ensure that they are able to seek quality healthcare, if and when required in times of medical emergency. One of the best plans that offer comprehensive coverage is Maxima. It is India’s first 360 degree plan brought by Apollo Munich.

It offers coverage to both inpatient and outpatient medical expenses on cashless basis. This plan can be purchased on an individual basis or on family basis. In case of family health insurance, it offers cover to maximum 2 adults and up to 2 children.

Maxima offers wide inpatient coverage up to Rs.3, 00,000. The major specialty of this plan is outpatient coverage. It offers OPD coverage on cashless basis in network of hospitals and on reimbursement basis in non-network of hospitals.