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 280 Enhanced Quality of Hospitals Increasing Affluence 42 Financial Year 2010 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% Life long renewal No co-pays or sublimits No additional loadings at 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 Healthline for anytime health assistance Free Online Health Risk Assessment Tool *Tax benefits are subject to changes in the Income Tax Act.

7 Introducing UNBELIEVABLE. OptimaRESTORE

8 What makes this plan truly unbelievable

9 Unbelievable Restore Benefit Automatic reinstatement of basic sum insured incase your cover is exhausted in policy year, at no extra cost If you have a Optima Restore policy of Rs 3 lacs You make a claim of 3 lacs Similar to most retail plans SI reduces to zero for remaining of the year Restore is activated SI reinstated to 3lacs i.e your orginal base sum insured The Unbelievable Restore Benefit Important points The reinstated Sum Insured can be utilized only for claims for new illness or disease for the insured person during the same policy year and any claims for any illness suffered by other members (in case of family floater) The Restore benefit will be triggered only post exhausting your existing coverage (including Multiplier benefit) in a policy year The Restore benefit will not be carried forward to the next year

10 Unbelievable Restore Benefit Your Sum Insured 3 Lakhs 5 Lakhs 10 Lakhs 15 Lakhs You Claim 3 Lakhs 5 Lakhs 10 Lakhs 15 Lakhs Balance Sum Insured Zero Zero Zero Zero Optima Restore 3 Lakhs 5 Lakhs 10 Lakhs 15 Lakhs If you or your family member exhaust the sum insured during the year, we will restore the full amount back for you to use for any new illnesses.

11 Unbelievable Multiplier Benefit Increase of basic sum insured by 50% every year in case of no claims, upto a max of 100% Imagine you have a Optima Restore policy of Rs 5 lacs You make no claims in year 1 SI increases to Rs 7.5 lacs i.e. an increase by 50% in year 2 You make no claims in year 2 The Unbelievable Multiplier Benefit SI increases to Rs 10 lacs i.e. an increase by 100% in year 2 Important points The Multiplier benefit will reduce by 50% of the basic sum insured in case of a claim in the previous, however in no case will this reduction reduce the sum insured below basic sum insured.

12 Unbelievable Multiplier Benefit Your Sum Insured 3 Lakhs 5 Lakhs 10 Lakhs 15 Lakhs 1st Year - No Claim Optima Restore 4.5 Lakhs 7.5 Lakhs 15 Lakhs 22.5 Lakhs 2nd Year - No Claim Optima Restore 6 Lakhs 10 Lakhs 20 Lakhs 30 Lakhs If you dont t use your plan, we will increase your coverage by 50% the next year and double it the year after.

13 Unbelievable Coverage Benefits In-patient Hospitalisation : Coverage for in-patient hospitalisation with no sublimits/ co payments Pre Hospitalisation : Coverage for 60 days prior to admission in hospital Post Hospitalisation : Coverage for 180 days post discharge from hospital Day Care Procedures : All Day Care treatments Covered Domiciliary Treatment : Covered Organ Donor : Covered Daily cash for choosing shared accomodation : Covered Emergency Ambulance : Covered Health check-up : Covered for > 15 lacs sum insured E-opinion in respect of critical illnesses

14 Choose from Our Plan for Individuals : Individual Sum Insured: ` 3, 5, 10, 15, 20, 25, 50 Lacs Hospitalisation Pre-hospitalisation Post-hospitalisation Day-care procedures Domiciliary treatment Restore Benefit Multiplier Benefit Expenses for Organ Donor Emergency Ambulance Daily cash for choosing shared accomodation Health check-up (for > 15 lacs sum insured) E-opinion in respect of critical illnesses Our Plan for Families : Family Floater Sum Insured: ` 3, 5, 10, 15, 20, 25, 50 Lacs Hospitalisation Pre-hospitalisation Post-hospitalisation Day-care procedures Domiciliary treatment Restore Benefit Multiplier Benefit Expenses for Organ Donor Emergency Ambulance Daily cash for choosing shared accomodation Health check-up (for > 15 lacs sum insured) E-opinion in respect of critical illnesses

15 Guan from China inflates balloons using just his ears. UNBELIEVABLE. A factory worker from Malaysia sticks metal objects magnetically to his body. A contortionist from America packs all of herself into a suitcase in just 5.43 seconds. Buy a Individual plan for 2 or more members and get 10% additional discount Buy a 2 year plan & get 7.5% additional discount

16 Remember 30 days waiting period: For the first 30 days of your policy we would provide cover only for medical expenses arising out of accidental emergency conditions. 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. 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 4th year of the policy if the proposal is accepted and policy is issued to You. 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. Expenses arising out of 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 What We OFFER & Others DON T Offerings Apollo Munich Majority of others Restore Benefit Offered Not available Multiplier benefit Offered Not available Pre/Post Hospitalisation 60/180 days coverage Most Insurers offers 30/60 days coverage 100% Life Long Policy Renewal Offered Offer cover around 75 years only UNBELIEVABLE. No Sub-limits on Room Rent Offered Sublimits on room rent No geography based sublimits Offered Co-pay/Sublimit based on geography Sixty-four year old farmer, has not slept since No claim based loading Offered Most Insurers don t offer Health Line Support for any time Medical Assistance Offered Most Insurers don t offer

18 Commitment Our customer comes first 4000 Hospitals, 800 Cities. Cashless Treatment Policy Issuance: Cashless Services: Customer Satisfaction: 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. Claims Settlement: Over 95% of the claims are settled within 30 days with average claims settlement duration of 15 days for clear cases. Customer Satisfaction: We keep a track of our customer satisfaction level where on average 85% of our customers are satisfied and advocate for us. Renewal Rate: Over 80% of our existing customers renew their policy everyyear.

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 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. 1st Floor, SCF-19, Sector-14, Gurgaon , Haryana Reg. Off. Apollo Hospitals Complex, Jubilee Hills, Hyderabad , Andhra Pradesh 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 52 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 Branch Locator Internet connectivity required

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