Apollo Munich Health Insurance: Compare and Buy Apollo Munich Health Plans Online in India 2024

About Apollo Munich Health Insurance

Apollo Munich Health Insurance was founded in August 2007, following a joint venture between the Apollo Hospitals Group and Munich Health (a segment of Munich Re) based in Germany. The company was established in India as a stand-alone, private sector Health Insurance Provider. Since its inception, it has established a wide agency network and introduced several new concepts in the Indian Health Insurance space.

In 2020, HDFC acquired a majority stake of 51.25% of Apollo Munich Health Insurance. The acquired entity has been renamed to HDFC ERGO Health. As of FY 2019-20, HDFC ERGO Health has an overall market share of 6.2% and further occupies around 8% market share in the accident and Health Insurance segment.

Product Range of Apollo Munich

Plan Names	Features
Optima Restore	100% of your cover gets restored instantly after making your first claim.
Optima Secure	Customers get 100% increase in coverage after 2 years, in addition to 100% restoration of base coverage.
Optima Senior	The policy can be availed for 1 or 2 years. It can be suitable for individuals above the age of 61.
Energy	It covers Type 2 Diabetes Mellitus, Impaired Fasting Glucose, Impaired Glucose Transpose. Sum Insured can range from Rs. 2 Lakhs to Rs. 10 Lakhs.
Easy Health	Sum Insured can range from Rs. 1 Lakh to Rs. 15 Lakh. It covers In-patient Hospitalization, Pre and Post Hospitalization, Day Care, among others.

Of the abovementioned 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.

Benefits of the Merger

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 offerings of both the parties involved in the transaction.

Wider Distribution Network

HDFC ERGO General has an 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 10,000+ Hospitals

Customers can now access Cashless Hospitalization at over 10,000 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 the 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 & 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 as well.
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.

Healthcare Facilities covered by HDFC Ergo Health Plans

Room Rent Sub Limits With HDFC ERGO, there are no sub-limits on Hospital Room Rents.
Day Care Coverage With HDFC ERGO Health, medical expenses for 586-Day Care Procedures i.e. the procedures which do not require 24 hours of hospitalization, are covered.
Pre and Post-Hospitalization Expenses Pre-Hospitalisation expenses of up to 60 days and Post-Hospitalisation expenses of up to 180 days are covered.
Domiciliary Cover HDFC ERGO also facilitates Domiciliary Medical Treatment i.e. treatments which are undertaken at home.
Policy Renewability Health plans offered by HDFC ERGO (formerly Apollo Munich Health Insurance) come with Lifetime Renewability option.
AYUSH Benefits HDFC Ergo covers treatments related to alternative medical science such as Ayurveda, Unani, Siddha or Homeopathy.
Discounted Premiums HDFC Ergo plans provide a number of Discount options such as family discounts, long term policy discount and loyalty discount.

How to buy HDFC Ergo Health Insurance?

There are a number of options available in the market to buy HDFC Ergo Health Insurance plans. But some of them do not offer a good service and desired security. For a quick and smooth process, consider buying plans from the company or PolicyX.com. Let's have a look at them:

I. Company's website

Visit the official website of HDFC Ergo and click on 'Health Insurance'.
Fill all the required details and choose the sum insured. Click on the option 'Buy Now'.
Once you have filled in all the necessary details, submit the form, and your premium will be calculated based on your choicess.
Pay the premium online and your policy document will be mailed to your registered email address.

You can also visit the nearest HDFC ERGO branch to buy health insurance.

II. PolicyX.com

Scroll up to the top of this page and fill in the details in the form.
From the displayed options, choose the required plan and pay the premium.
Your policy document will be shared at your registered email address.

Claim Settlement at Apollo Munich

1. Has the claim process changed in any way after the merger?

There are no changes in the claim settlement process at the merged entity. HDFC ERGO has been very particular about this aspect because of the concerns raised by existing customers of Apollo Munich.

2. Can I settle my claims by visiting the previous branches of Apollo Munich?

While HDFC ERGO has established its presence across various cities, some of the previous branches of Apollo Munich may have been merged or relocated. Customers are advised to check out the company’s latest network at www.hdfcergo.com.

3. Has HDFC ERGO made any changes to the contact details for Claim Intimation and Cashless Network of Hospitals?

Customers are advised to monitor the list of Network Hospitals prior to seeking Cashless Hospitalization. In terms of Claim Intimation, customers can reach out to HDFC ERGO at healthclaims@hdfcergo.com or on 022-6234-6234.

4. What is the current Claim Settlement Process?

I. Cashless Claim

Applicable when the policyholder is admitted to a Network Hospital. Nothing is required to be paid from the pocket as the Insurance Company directly settles the bills with the Network Hospital.

Claim Registration

At the hospital, complete the registration process and show the Health Card at the Claims Desk.

Document Submission

Fill up the pre-authorization form and submit it, along with the rest of the documents required.

Claim Verification

On successful verification of the documents, the Insurer either accepts or rejects your claim.

*On approval, the claim amount is transferred to the registered bank account.

I. Reimbursement Claim

Applicable when the policyholder is admitted to a Non- Network Hospital. Primarily, you need to settle the bills on your own & later on, you can file a claim for Reimbursement.

Claim Registration

Download the application form and intimate the Health Insurer about the claim.

Document Submission

Collate relevant original documents and submit them within the specified duration.

Amount Transfer

On approval, the claim amount gets directly transferred to your registered bank account.

How to Renew an existing Apollo Munich Health Policy?

Policy Renewal of existing Apollo Munich Health Insurance policies remains unchanged. In order to renew your policies at HDFC ERGO, you may follow the previous processes and/or visit any of their branches.

Renewal Notice: Please note that if you were sent a renewal notice, you are required to issue the renewal cheque in favour of the entity mentioned in the notice. However, in case no such renewal notice is received, the issued cheque should be in favour of HDFC ERGO Health Insurance Limited.
Online Renewal: In order to renew policies online, you can visit www.apollomunichinsurance.com (which gets redirected to the official website of HDFC Ergo) for renewal of policies bought prior to the merger. In order to pay premiums for subsequent Renewals, you can visit www.hdfcergohealth.com.
Customer Queries: In order to contact the company for further queries, you can visit their website www.hdfcergohealth.com / www.apollomunichinsurance.com or call on their toll-free number 1800-102-0333 or write to them at care@hdfcergohealth.com / customerservice@apollomunichinsurance.com.

Contact Details

Phone: 1800-2666-400

Mail: care@hdfcergo.com

Address: 1st Floor, HDFC House, Backbay Reclamation, H. T. Parekh Marg, Churchgate, Mumbai - 400020

Apollo Munich Health Insurance FAQs

1. Will the benefits of my existing policy (Cumulative Bonus, Pre-Existing Diseases cover, etc.) continue or get affected by the merger?

As the product and policy guidelines remain the same, all continuity benefits are available as per existing policy terms and conditions.

2. With the name of the company changing, does the existing policy document under Apollo Munich name remain valid or will I receive a new policy document?

All active policies which are issued under Apollo Munich name shall remain valid till expiry and will not require any amendments. At the time of renewal, a fresh contract with the new company name i.e. HDFC Ergo shall be issued.

3. As an existing customer of Apollo Munic, can I access Network Hospitals of HDFC ERGO General as well Apollo Munich?

Apollo Munich customers can access the entire network of HDFC ERGO General. The company now has a network of over 10,000+ hospitals. The updated list of Network Hospitals is available on the website www.hdfcergohealth.com or www.apollomunichinsurance.com (which shall redirect you to HDFC Ergo’s official website)

4. Where can I register or intimate the claim?

There is no change in existing claim processes. You can register the claim by visiting www.hdfcergohealth.com / www.apollomunichinsurance.com or write to them at care@hdfcergohealth.com / customerservice@apollomunichinsurance.com. You can reach out them on their toll-free number 1800-102-0333.