What to do when your health insurance is expired?

With the advances in medical science, the cost of medical treatments has risen too. It is for this reason that everyone has a health insurance.

But all insurance plans have an expiry date. And renewing can be a bit of a headache.

Not if you have Apollo Health Insurance. Yes, if your current health insurance has expired, or is nearing expiry, switch over to Apollo Health Insurance. Its features and easy renewal policy make it the most popular health insurance scheme in the country today.

Apollo health insurance reviews will tell you more.

Benefits of Apollo Health Insurance

●     Firstly, Apollo Munich gives you the benefit of lifelong renewal. Thus it makes Apollo Munich Health Insurance renewal very stress-free.

●     The customer can choose from various options of insurance plans, right from those that pay Rs. 1 lakh, to those that pay the sum of Rs 15 lakhs.

●     Apollo Health Insurance has a widespread presence in India, with expert doctors who handle the claims.

●     Almost all claims all taken care of within 15 days.

●     For a no-claim year, the basic amount insured is raised by 50%. In the case of two consecutive no-claim years, the basic amount is raised by 100%.

 

Apollo Health Insurance has numerous schemes, allowing to choose the most appropriate plan according to your needs and budget. Let us take a look at some of the most significant and most popular ones.

Optima Health Restore Plan

PLAN	ENTRY AGES (MIN-MAX)	ASSURED SUM LIMITS	DISCOUNT	POLICY TERM
For Individual	5  – 65 years	3-50 lacs	10% if more than 2 members	1     Year - 2 years
For family	Adults 18 – 65 years Children 3 months – 25 years

 

The Apollo Munich Optima Restore automatically restores the basic amount if it is exhausted during the year. You also get to choose any hospital from the network of Apollo Munich Health Insurance hospital list through cashless service.

Expenses are covered 60 days before and 90 days after treatment. Up to Rs 2000 of ambulance charges are covered. Even those that don’t require 24-hour hospitalization are covered.

Newborn children of age 91 days are eligible if the parents are already insured under the plan.

Easy Health Premium Plan

PLAN	ENTRY AGES (MIN-MAX)	ASSURED SUM LIMITS	DISCOUNT	POLICY TERM
For family only	Children 3 months – 25 years Adults 18 - 65 years	Rs 4 – Rs 5 lacs	7.5% on premium of 2 years	1 year – 2 years

 

Under the Easy Health Plan amount assured can go up to Rs 50 lacs. In the case of organ donation, even the transplant expenses of the organ donor are covered.

After 4 no-claim years, free expert health checkup is provided. In the case of critical illness, an additional cover can be taken, for which 50-100% of the basic assured sum can be claimed, subject to a minimum and maximum range of Rs 1-10 lakhs.

For hospitalization of over 10 days, a recovery cover of 10,000 rupees is provided.

Even expenses for patients receiving treatment under Ayurveda, Unani, etc. are provided under AYUSH benefit scheme.

You may like to read : Policy Review – Apollo Munich Optima Restore

Optima Vital Plan

PLAN	ENTRY AGES (MIN-MAX)	ASSURED SUM LIMITS	DISCOUNT	POLICY TERM
For Individual	18 years – 65 years	Rs 1 lakh – Rs 50  lakhs	7.5% on two-year policy	1 year – 2 years

 

The Optima Vital is unique and useful in the sense that it provides lump-sum cover for a list of 37 critical diseases and surgeries.

Eligibility starts from 5 years and ends at 65. Newborns are allowed from the fourth month of their life if parents are also insured.

Optima Senior

PLAN	ENTRY AGES (MIN-MAX)	ASSURED SUM LIMITS	DISCOUNT	POLICY TERM
For Senior Citizens	Upwards of 65 years	Rs 2 – Rs 5 lacs	7.5% for 2-year policy	1 year – 2 years

 

In any case of hospitalization of over 24 hours, all expenses are paid for in any network hospital, along with expenses of pre and post procedures.

A cumulative bonus up to 5% is provided, even to family members.

Additional features

With such a wide range of offers, it is quite normal that one may get confused. But Apollo lets you remove any doubt as it lets you calculate the sums with their Apollo Munich Health Insurance Premium Calculator.

Using the calculator, you do not need to rely on others or the agents.

What to do In the case of problems in Claim Process

To claim any sum, you can always use the assistance of the 24*7 Customer Service. But basically, all you will be needing is:

●     Details of your contact

●     Name of the person insured

●     Policy number

●     Date, time, location and nature of the problem

 

The exclusions

1.    In the case of injury or disease due to external factors like war, or due to the use of nuclear, biological or chemical weapons.

2.    In the case of involvement in adventure sports like racing, diving, skydiving, rock climbing, etc.

3.    In the case of an attempt to suicide, which is considered a crime.

4.    In the case of STDs like AIDS

5.    In the case of substance abuse, like drugs or intoxicants.

 

Availing cashless facility

In the case of emergency situations, the third party administrator or TPA must be informed within 24 hours of hospitalization In the case of planned treatment, TPA must be informed 48 hours before hospitalization. The TPA will send the letter of authorization within 6 hours after checking coverages.