Welcome to Apollo Munich Health Insurance Co. Ltd.
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1 Welcome to Apollo Munich Health Insurance Co. Ltd.
2 Factors Increase in Lifestyle Diseases Why Health Insurance? Urban spending in healthcare will increase due to a variety of factors Healthcare Spend in India USD Billion Enhanced Quality of Hospitals Increasing Affluence 42 Financial Year Financial Year 2020 (estimated)
3 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 what s dear to you
4 Why Apollo Munich 53 Hospitals, 1068 Pharmacies, 8000 Doctors and Trust of 19 million patients We know healthcare. Over 5000 Experts across 26 locations worldwide, Customers from over 100 countries We know insurance.
5 Philosophy Let s 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.
6 All our plans come with... Great Customer Service. 100% Lifelong Renewal. Clear Policy Wordings and Conditions. Tax Deduction under Section 80D* Our Healthcare and Health Insurance expertise. One of the Fastest Claims settlement in the Industry. *Tax benefits are subject to changes in the Income Tax Act.
7 OPTIMA PLUS
8 Do I need Health Insurance?? No I don t BECAUSE I HAVE A GROUP COVER from my employer ITS EXPENSIVE, I will buy it next year I need it but only WHEN I RETIRE
9 What if you get a Plan That tops up your existing policy with additional sum insured. Available at nominal price. Remains active when you shift between jobs. Grows into a comprehensive health insurance plan at retirement.
10 INTRODUCING OPTIMA PLUS Makes existing cover adequate Top up Existing policy either individual or Group Remains active when you change jobs Job hopping don t expose you to high risk Easy Buy Inexpensive Proposition and easy to buy PLUS Benefit Grow at retirement to a full fledged policy
11 In-patient Treatment Hospitalization expenses due to an illness or accident. Pre-Hospitalization Medical expenses incurred in 60 days immediately before hospitalisation. Post-Hospitalization Medical expenses incurred in 90 days immediately after discharge from hospital. BENEFITS The policy pays for the benefits, exceeding the deductible opted by the insured member Day Care Procedures Coverage for enlisted 140 day care procedures which do not require 24 hours hospitalization. Organ Donor Medical expenses for harvesting of the organ donated to the Insured person. Emergency Ambulance Expenses up to Rs per hospitalization. Domiciliary Treatment Medical expenses incurred by an Insured person for availing medical treatment at his home which would otherwise have required hospitalization.
12 Making you RETIREMENT ready Your small top up cover to become a comprehensive inpatient cover at RETIREMENT. Rs. 5 Lakhs sum insured inpatient cover at RETIREMENT Unique PLUS BENEFIT Grow to a full cover at Retirement No waiting period All major diseases covered at RETIREMENT. Hassle free process and Risk free post RETIREMENT Remember: You need to buy the policy before 50 years of age and renew the policy continuously without interruption. PLUS benefit can be opted at the age group of years at the time of renewal only. Portability for WAIVER OF WAITING PERIODS would be provided to the extent of benefits covered in the policy.
13 Annual Premium (All figures in INR) Sum Insured 500, , , , ,000 Deductible 100, , , , , Days - 35 Years 1,999 1, Years 2,750 1,500 1,400 1,300 1, Years 4,813 2,925 2,170 2,015 1,860 How much you need to Pay Family Discount 10% 2 or more members in one policy Loyalty Discount 7.5% Opting for 2 years plan Years 10,106 5,704 3,472 2,519 2,325 >75 Years 24,053 14,254 9,090 6,894 6,640 All premium rates are exclusive of service tax and applicable cess. Premium rates can be revised subject to approval from IRDA Income Tax U/S 80D Subject to changes in Income Tax Act
14 What We OFFER & Others DON T Offerings Apollo Munich Majority of others PLUS Benefit Exclusively with Optima Plus Not Offered Makes you Retirement ready Family Discount If 2 or more members are covered Life Long Policy Renewal No cover ceasing age 10% Discount Not Offered 100% Offer cover around 75 years only No Sub-limits on Room Rent No need to compromise on facilities when it comes to healthcare Covered Limit of room rent up to 1% of the sum insured Day Care Procedures Coverage for minor treatments not requiring hospitalisation 140 Day care procedures covered Coverage not offered by most Insurers Organ Donor Expenses Covered Not Covered by most Insurers Flexi Plan Change deductible option Exclusively with Optima Plus Not offered
15 Remember Deductible: Clams will be paid when the medical expenses exceed the deductible amount opted by the insured member. Deductible shall be applicable for each and every Hospitalisation except claims made for any one Illness. Any One Illness: We shall not wait for deductible to exhaust again in case of any relapse due to the same illness within 45 days from the last consultation/discharge from hospital where we have paid claim. However, any event of hospitalization post the 45 days will be treated as fresh hospitalization and shall be subject to deductible. 30 days waiting period: Medical expenses arising out of accidental emergency conditions only will be paid for the first 30 days of policy. 2 years disease specific waiting period: For specific diseases like cataract, hernia, hysterectomy, joint replacement, hydrocele etc. claims would be payable only after insured member has completed 2 consecutive years as our insured customer Pre-existing Disease: In case you have any existing condition, please remember to declare all such 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 5th year of the policy if the proposal is accepted and policy is issued to You. PLUS benefit eligibility: The insured member should opt for Optima Plus before the age of 50 years to avail the PLUS benefit between the age of years.
16 Optima Plus will not cover.. 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.
17 customer Commitment 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: Over 90% of the times, the cashless authorization is done within 2 hours of claim intimation. Claim Settlement: Over 95% of the claims are settled within 30 days with average claims settlement duration of 15 days for clear cases.
18 YOU TO ENJOY BIG pay nominal premium opt for higher health risk cover full fledged cover as it turns with retirement Optima Plus for YOU
19 Best Insurance Provider in the private sector, Outlook Money Award For being rated the 22nd Best Company to Work For in India, Great Place To Work On the back of robust business growth in FY12-13 across a variety of parameters and a high commitment towards customer service in terms of efficient claims settlement and showing innovative approaches to product and technology management and customer engagement, Health Insurer of the year Industry No. 1 in Insurance Category & Asia s most promising brand Apollo Munich, Asia s Most Promising Brands and Leaders Asia s most promising leader Mr Antony Jacob, Asia s Most Promising Brands and Leaders Excellence in Marketing Asia s Most Promising Brands and Leaders 2013 for instituting a robust Health and Wellness Management technology platform, The Technology Maturity Award For excellence in six sigma practices within the organization as displayed through projects that are executed in the organization, Lean and Six Sigma Excellence Awards Brand Sustainability, Brand Leadership awards HR Partner forum, Human Resources Shared service 2013 for all-round green computing initiatives, TOP Green IT Enterprise Award Mission Paryapta being the 2nd Best Six Sigma Project in Service industry (DMAIC & DFSS), 2nd Best Six Sigma Project. Best film (Financial Product category), Abby s (Bronze) For being rated amongst Top 50 companies having upto 1000 employees; Best in its industry and ranked third in insurance industry, Great Place To Work Best Insurance Provider in the private sector, Outlook Money Award 2012 For our unbelievable product OptimaRESTORE, Innovation Award This award was in recognition of our unbelievable product, OptimaRESTORE, Innovation Of The Year award For our Unbelievable product OptimaRESTORE in the Best Product Innovation Award category, India Insurance Awards For being rated amongst top 50 in infinancial inclusion projects during 2011, Financial Inclusion Awards For the effectiveness exuberated by its marketing campaign Making Time to Pause, Effie Awards For all-round green computing initiatives, TOP Green IT Enterprise Award For being a Role Model and Exemplary Leader in benchmarking talent and HR practices, Best Employer Brand Award 2012 Silver for Marketing Campaign (OptimaRESTORE), Digiratti Award Insurance companies use the report Social Media in the Indian Insurance Industry: User Maturity Benchmarking to evaluate the overall maturity of their social media usage and benchmark themselves against peers, User Maturity Benchmarking Best Company to work in its industry and Among the top 100 companies to work with having upto 1000 employees, Great Place To Work Futuristic Hall of Fame, Hall of Fame 2011 For the best Six Sigma project in the DMAIC Services category, Symbiosis award 2011 For demonstrating market leadership in sales generated through the online medium, E-Business Leader For implementing a workflow-enabled system that supports straight through processing of the entire health product lifecycle with integration to all back end systems, Technology Leader Award Silver under Service Category, Indian Digital Media Awards For best recruitment ad in Services, The Remmy Award Nomination For its print media advertisement for inviting applications for sales positions, The Remmy Award Most Effective Outdoor Plan, OOH 2011 for Outdoor Advertising & Digital Signage. Best Outdoor Plan Strategy, OOH 2011 for Outdoor Advertising & Digital Signage. Policy Administration SysteFor m (PAS) category, Policy Administration Design, distribution and servicing of health insurance products, ISO :2008 certification Best corporate wellness organisation, CII Wellness Award Best Media Plan of the year, Outdoor Advertising Awards 2009 Ours is an uncomplicated success story.
20 There s a BIG insurance HIDING inside a small one
21 How to Buy Buy online now: 100% secure online transaction Contact us on our Toll free Number Apollo Munich Health Insurance Co. Ltd 2nd & 3rd Floor, ilabs Centre, Plot No , Udyog Vihar, Phase-III, Gurgaon , Haryana Corp. Off. 10th Floor, Tower B,Building No 10, DLF Cybercity, DLF City Phase II, Gurgaon , Haryana. Tel: Fax: Reg Off. Apollo Hospitals Complex, Jubilee Hills, Hyderabad , AP apollomunichinsurance.com Insurance is the subject matter of solicitation. For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale. IRDA Registration Number Corporate Identity Number: U66030AP2006PLC Visit to our 73 branch offices across India Our Offices are present in all major cities which include HYDERABAD, CHENNAI, KOLKATA, BAN- GALORE, MUMBAI, DELHI, PUNE, AHMEDABAD, JAIPUR, CHANDIGARH, LUCKNOW and COCHIN Branch Locator Internet connectivity required
Welcome to Apollo Munich Health Insurance Co. Ltd.
Welcome to Apollo Munich Health Insurance Co. Ltd. Factors Increase in Lifestyle Diseases Why Health Insurance? Urban spending in healthcare will increase due to a variety of factors Healthcare Spend in
More informationWelcome to Apollo Munich Health Insurance Co. Ltd.
Welcome to Apollo Munich Health Insurance Co. Ltd. Factors Increase in Lifestyle Diseases Why Health Insurance? Urban spending in healthcare will increase due to a variety of factors Healthcare Spend in
More informationWelcome to Apollo Munich Health Insurance Co. Ltd.
Welcome to Apollo Munich Health Insurance Co. Ltd. Factors Increase in Lifestyle Diseases Why Health Insurance? Urban spending in healthcare will increase due to a variety of factors Healthcare Spend in
More informationWelcome to Apollo Munich Health Insurance Co. Ltd.
Welcome to Apollo Munich Health Insurance Co. Ltd. Factors Increase in Lifestyle Diseases Why Health Insurance? Urban spending in healthcare will increase due to a variety of factors Healthcare Spend in
More informationWelcome to Apollo Munich Health Insurance Co. Ltd.
Welcome to Apollo Munich Health Insurance Co. Ltd. Factors Increase in Lifestyle Diseases Why Health Insurance? Urban spending in healthcare will increase due to a variety of factors Healthcare Spend in
More informationWelcome to Apollo Munich Health Insurance Co. Ltd.
Welcome to Apollo Munich Health Insurance Co. Ltd. Factors Increase in Lifestyle Diseases Why Health Insurance? Urban spending in healthcare will increase due to a variety of factors Healthcare Spend in
More informationWelcome to Apollo Munich Health Insurance Co. Ltd.
Welcome to Apollo Munich Health Insurance Co. Ltd. Factors Increase in Lifestyle Diseases Why Health Insurance? Urban spending in healthcare will increase due to a variety of factors Healthcare Spend in
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