Easy Health Plan
Easy Health Plan
  • Cover for Critical Illness
  • Dental Treatment Cover
  • 144 Daycare Treatment Cover
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HDFC ERGO Health Easy Health Plan (formerly known as Apollo Munich Health Insurance)

HDFC ERGO Health Insurance Company Limited (formerly known as Apollo Munich Health Insurance Limited) is a standalone health insurance service provider that offers several insurance products. It is a joint venture between HDFC Ltd. & Munich Health.

The HDFC ERGO Health Easy Health Plan (formerly known as Apollo Munich Health Insurance) is one of their products. It is designed in such a way that it takes care of your medical expenses. You have the option to purchase this plan for the entire family and for yourself.

Eligibility Criteria

ParticularsMinimumMaximum
Entry Age91 Days65 Years
Coverage AmountRs. 1,00,000/-Rs. 50,00,000/-
Policy Term12
Rider Available for Critical illness Up to Age-70
Renewable till Age-Life-Long

Scope of Cover

Maximum Number of MembersSum Insured RangeDiscount on Premium
6For Standard – Rs. 1,00,000/- to Rs. 5,00,000/-5% for two members
10% for three or more than three members.
Maximum Adults - 4For Exclusive – Rs. 3,00,000/- to Rs. 50,00,000/--
Maximum Children - 5For Premium – Rs. 4,00,000/- to Rs. 50,00,000/--

Key Features of HDFC ERGO Health Easy Health Plan (formerly known as Apollo Munich Health Insurance)

  • You will get coverage before, after and during hospitalization.
  • Good cover for treatment of critical illness and accident.
  • Additional benefits for critical illness optional.
  • You will get a portability option at the time of renewal you are allowed to change the company.

HDFC ERGO Health Easy Health Plan (formerly known as Apollo Munich Health Insurance) Benefits

  • You will receive a bonus of 10% on every claim-free year.
  • Maternity expenses including the waiting period of 4 years.
  • Cover for critical illness.
  • The expense of dental treatment.
  • The expense of contact lenses and spectacles.
  • In the premium category of this plan, they provide out-patient benefits for hearing aids, spectacles, and contact lenses. Also, maternity cover is provided in exclusive and premium plans.
  • The cost of pre-hospitalization is covered that is incurred in 60 days and before the covered person is hospitalized.
  • The exclusive and premium category of this plan provides convalescence benefits up to Rs. 10,000.
  • The cost of post-hospitalization is covered that is incurred in 90 days after the respected covered person is discharged.
  • There is an availability of critical illness rider for myocardial infarction, bypass surgery, renal disease end-stage, cancer, paralysis, stroke & major organ transplant with respect to your specific variant of this plan.
  • 144-day care procedures are listed in this plan and these procedures are undertaken by insured within 24 hours of hospitalization.

Inclusions in HDFC ERGO Health Easy Health Plan (formerly known as Apollo Munich Health Insurance)

  • You can claim your health checkup expenses after a certain period.
  • Hospital room accommodation on a shared basis.
  • Rs. 2000/- for emergency ambulance charges.
  • Prosthetics, diagnostic procedures, surgical appliances, Lodging, drugs & consumables, ICU, oxygen, operation theatre, blood, anesthesia, etc. and other devices are implemented internally.
  • Expenses of pre and post-hospitalization.
  • The expense of transplant for an organ donor.
  • Daycare coverings for tonsils, operations of cataract, radiotherapy, chemotherapy, and x-ray.

Exclusions in HDFC ERGO Health Easy Health Plan (formerly known as Apollo Munich Health Insurance)

  • HIV and AIDS.
  • Drug Abuse, alcohol, intoxicant, and hallucinogens are not covered.
  • Weight control treatments, congenital diseases, insanity, cosmetic surgery, mental disorder, and non-allopathic treatment are not covered.
  • Hospitalization occurred due to an act of war.
  • Dental illness and pregnancy are not covered unless stated in the policy.

Just a Few Key Facts That You Should Remember

  • This HDFC ERGO Health Easy Health Plan (formerly known as Apollo Munich Health Insurance) provides you 30 days grace period for renewing your policy.
  • You get an option for lifelong renewability.
  • You will get a 30 days cooling-off period on buying this policy for the first year.
  • You will not get any cooling-off period at the time of renewal of this policy.
  • For this plan, 2 years is applicable for specific ailments and for pre-existing diseases 3 years is applicable.
  • This plan does not offer any kind of restore benefits and does not include a co-payment clause.
  • This plan does not have any limitations on room expenses.

Now, it’s over to you!

You might know everything about this HDFC ERGO Health Easy Health Plan (formerly known as Apollo Munich Health Insurance). Now it’s time to make a decision to select the plan and calculate the amount of coverage required. Do review the benefits and ratings based on conditions. So, with this plan, you are able to conquer life-threatening diseases without worrying about the financial emergency.

FAQs

There is no need to do a medical test to purchase this plan.

You can do desired changes online through your account by visiting https://www.apollomunichinsurance.com/, you can call on 18001020333 toll-free number and you can send the renew policy request by sending mail on care@hdfcergohealth.com

This policy is valid for up to two years based on terms and conditions at the time of purchase.

The sum assured amount ranges between Rs. 1 lakh to 15 lakhs.

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Last updated on 05-02-2020