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Apollo Munich Health Insurance
Apollo Munich Health Insurance
Apollo Munich Health Insurance Company, now known as HDFC Ergo General Insurance, offers exclusive plans for ...Read More
What you get with Apollo Munich Health Insurance
The headline features and policy mechanics, at a glance.
Sum insured up to 75L
Coverage scales from entry-level individual plans to high-end family-floater protection.
12,000+ cashless hospitals
Direct billing at network hospitals across 200 presence — no out-of-pocket payment at admission.
98.59% claim settlement
Industry-leading approval rate on eligible claims received in the most recent fiscal year.
1.75x solvency ratio
Well above IRDAI's 1.5× floor — strong indicator of long-term claim-paying ability.
About Apollo Munich Health Insurance
A quick overview of the insurer — parent group, brand history, and where they sit in the Indian health-insurance market.
About Apollo Munich Health Insurance
Apollo Munich Health Insurance Company merged with HDFC Ergo in 2020. HDFC signed a definitive agreement with Apollo Munich Health Insurance to buy out the entire Apollo Hospitals Group’s stake of 50.8% for ₹1,136 crore and another 0.4% stake held by a few employees for ₹10.84 crore.
After merging with HDFC Ergo Health Insurance, Apollo Munich expanded its insurance product portfolio. The insurer offers insurance products ranging from motor, health, travel, home, and personal accident.
Key Highlights:
- 16,000+ Network Hospitals
- 98.59% Claim Settlement Ratio
- 2 Claims Per Minute
- Global Coverage Available
- 24X7 Customer Support
Apollo Health Insurance Plans
| Plan Names | Features |
| My Optima Secure | Get 2X coverage from day 1, restore benefit |
| My Optima Secure Lite | Automatic restore, protection benefit |
| My Optima Global | Comprehensive health coverage for medical expenses in India as well as overseas medical treatment expenses |
| Optima Restore | Get up to 100% additional policy cover as no-claim bonus |
| My Health Medisure Top-Up | Aggregate deductible available, long-term discount |
| Critical Illness Insurance | No medical check-ups, lifetime renewability |
| Ican Cancer Insurance | Covers conventional and advanced treatments |
Of the above-mentioned plans, HDFC ERGO currently offers the first three plans i.e. Optima Restore, Optima Secure & Optima Senior.
Existing policyholders of ENERGY and Easy Health can still renew their policies if they choose to. They also have the option to port their policy to a different one.
Why Choose Apollo Munich Health Insurance?
Coverage for Inadmissible/Uncovered Expenses
During hospitalization, insurers do not cover certain expenses, which are coined as inadmissible expenses. For example, expenses incurred on diagnostic tests, surgical accessories, or costs of the patient’s attendant.
Combined Product Suite
Policyholders, both existing and new, have gained access to a considerably larger, combined product offering of both the parties involved in the transaction.
Wider Distribution Network
HDFC ERGO General has access to the agency network, comprising over 85,000 agents, previously established by Apollo Munich Health Insurance. This has further expanded the distribution capabilities, enabling effective issuance of the combined product suite of HDFC ERGO General and Apollo Munich.
Enhanced Customer Experience
Customer Support Service has been improved and updated to include digital and 24x7 multi-lingual in-house servicing capabilities.
Cashless Network of 12,000+ Hospitals
Customers can now access cashless hospitalization at over 12,000 network hospitals. Further, HDFC ERGO now has a geographical reach of 203 branch offices and over 250 digital offices.
Impact on Existing Customers of Apollo Munich Health Insurance Policies
While the transaction has been mutually beneficial for both firms, old customers of Apollo Munich have raised several concerns over their existing policies and claims. The following pointers shed light on how the transition to HDFC ERGO is likely to affect their purchases.
Policy Terms & Conditions
There will be no changes in your policy terms & conditions, and they will remain the same as detailed in the existing policy document.
Policy Renewal
On renewal, all continuity benefits shall be available as per the existing policy terms & conditions.
Claim Process
Existing claim processes remain unchanged.
Health Card
Your existing Health Card will continue to be valid.
Accrued Benefits
All benefits accrued thus far will continue to be available. Also, there will be no changes in premiums.
Claim Settlement
All claims, including pending ones, will be honored as per the mentioned policy terms, and the existing health cards will continue to be valid.
Branch Network
If you want to extract information about existing branches, merger or relocation of branches, or introduction of new branch offices, you can visit the official website of HDFC Ergo.
Choose Apollo Munich Health Insurance Coverage of Your Choice
Select a sum insured option below to compare health plans matching your coverage need.
What's covered — and what's not
The standard inclusions and exclusions across Apollo Munich Health Insurance plans. Specific plans may add benefits — always check the policy wording before purchase.
✓ Inclusions
- HDFC ERGO Health Insurance understands the impact of rising medical expenses, so they have made sure that their insurance plans contain pre and post-hospitalization expenses related to in-patient hospitalization.
- Most HDFC ERGO Health Insurance plans have in-built alternative treatment cover which you can utilize to your benefit. AYUSH treatments include Ayurveda, Unani, Siddha, and Homeopathy treatments.
- HDFC ERGO health insurance plans cover your hospital expenses like room rent, ICU charges, surgery expenses, doctor consultations, and other such expenses.
- Multiple procedures do not require a 24-hour hospitalization. With this in mind, a majority of the HDFC ERGO health insurance plans are designed to cover daycare procedures for policyholders.
- On a doctor’s recommendation, a policyholder can avail of medical care in the comfort of their home. HDFC ERGO health insurance plans cover domiciliary hospitalization up to specified sub-limits.
✗ Exclusions
- HDFC ERGO health policies will not cover injuries or hospitalization caused by self-harm.
- HDFC ERGO Health Insurance plans do not cover any kinds of cosmetic surgeries or treatments.
- HDFC ERGO Health Insurance plans will not cover you for hospitalizations or accidents caused due to adventure sports.
- HDFC ERGO Health Insurance plans mostly do not cover treatments related to obesity and weight management such as bariatric surgeries.
- HDFC ERGO health insurance company plans do not cover individuals or families for hospitalization or injuries caused due to unlawful activities.
Documents required
For policy purchase and claim submission. Have these ready before you start.
- Duly completed and signed claim form, in original
- Valid photo-ID proof
- Medical practitioner's referral letter and prescription
- Original bills, receipts, and discharge cards from the hospital/medical practitioner
- Original bills from pharmacy/chemists
- Original pathological/diagnostic tests reports/radiology reports and payment receipts
- Indoor case papers
- First Information Report, final police report, if applicable
- Post-mortem report, if conducted
- Any other document as required by the company to assess the claim
12,000+ cashless hospitals
Find a Apollo Munich Health Insurance network hospital near you. Direct billing — no out-of-pocket payment at admission.
Buy, claim, renew, port — step-by-step
Step-by-step guides for the four moments that matter most in your policy lifecycle. Click a tab to switch.
If you are looking forward to purchasing HDFC ERGO Health insurance online, follow the simple steps below:
- Step 1
Visit the PolicyX health insurance page, and enter your details such as name, age, number of members to be covered, and city.
- Step 2
Click on 'Get free quotes' and compare HDFC ERGO Health Insurance Plans as per your needs.
- Step 3
Select and pay premiums online for the purchased HDFC ERGO health insurance plan of your choice.
- Step 4
Our team of insurance experts at PolicyX will provide you with all the assistance required regarding claims and other queries post-purchase of your HDFC ERGO Health Insurance plan.
You can file for cashless as well as reimbursement claims for your HDFC ERGO Health Insurance Plans by following these easy steps:
- Step 1
Visit the website of HDFC ERGO Health Insurance, and select the "Claim" option. Then click on "Claim Intimation" to check out the form.
- Step 2
Now select "health claim" and provide the required information, which includes the policy number, date of birth, and other details they ask for.
- Step 3
Now select the "claim type", whether you want to opt for a cashless claim or reimbursement. Click on "authorize" and you will receive an OTP on the verified number.
- Step 4
Get verified with the OTP and fill in the required hospital admission information, select the hospital, and fill in the hospital details in case of a non-network hospital.
- Step 5
Upload the asked documents and click on the "review" button.
- Step 6
After clicking on the review button, you need to submit the intimation for the company to review. You will receive a claim intimation number, which you need to note down for future purposes.
Follow these steps for HDFC ERGO Health Insurance policy renewal:
- Step 1
Visit the official website of HDFC ERGO Health Insurance Company.
- Step 2
Click on the ‘Renew’ tab.
- Step 3
Mention your ‘Policy Number’ and ‘Date Of Birth’.
Connect with our insurance experts for HDFC ERGO health insurance policy renewal at 1800-4200-269.
To port your existing policy to Apollo Munich Health Insurance, follow the steps mentioned below:
- Step 1
Fill out the portability form, and send the application to Apollo Munich Health Insurance Company 45 days before your existing health plan renewal date.
- Step 2
As per the guidelines of IRDAI, the new insurance company will cross-check your medical and claims history from the previous insurer within 7 days of receiving the portability form.
- Step 3
Once the policyholder's details are verified, the new insurance company has to communicate its decision - either approval or rejection - within 15 days.
Compare and calculate the best health policies with the PolicyX premium calculator with these simple steps:
- Step 1
Visit the official website of 'PolicyX'.
- Step 2
Fill in details such as name, number of family members to be covered, city, and other information.
- Step 3
Click on 'Get Quotes'.
P.S - Connect with PolicyX health insurance experts for Apollo Munich health insurance policy renewal at 1800-4200-269.
Frequently asked questions
The 4 most-asked questions about Apollo Munich Health Insurance, answered.
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Customer satisfaction
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PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.
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