No one can predict or avoid illness. Illnesses can range from minor to potentially life-threatening ones. It is important that one is covered with adequate health insurance to meet the unexpected medical costs which are also rising at a fast pace.
Alarmingly, the percentage of people who have any kind of health insurance in India is very low. Often, people are not even aware of its need. Add to that the fact that the cover is inadequate in the wake of healthcare costs.
Why do you need health insurance?
With increasing levels of stress, sedentary lifestyles and a deteriorating environment due to rapid urbanization, you are more susceptible to diseases than before. And when you suffer from a serious ailment, the treatment often comes at a huge cost.
By selecting a health insurance policy, you can ensure your finances never get in the way of your well-being.
Many people think they do not need health insurance and can manage medical expenses from their savings. This is a wrong notion because:
- It takes time to create adequate savings to take care of major illnesses. So if a person falls sick before he can save enough then he may not be able to afford the cost of treatment.
- Illnesses do not discriminate between the rich and poor. Everyone incurs the same cost for the same treatment.
- No one can predict how much savings are enough. After a few years when you are old and you realize that your savings are not enough to take care of your medical expenses, it may be too late to take corrective action.
In these situations you may have to dig into the corpus that you have created to achieve your life goals like your daughter’s marriage, or you might have to take loan. With health insurance, you can address these concerns easily, without compromising on other goals. A comprehensive and reliable health insurance plan can ease any financial stress related to falling ill or being hospitalized.
INDIVIDUAL PLANS
| Plan Name | Salient Features |
| APOLLO MUNICH EASY HEALTH-EXCLUSIVE | 1)10% No Claim Bonus for each claim free year 2)No medical checkup till certain age |
| APOLLO MUNICH EASY HEALTH-PREMIUM | 1) No Sub limits on room rent etc. 2)Maternity coverage after waiting period of 4/6 |
| APOLLO MUNICH EASY HEALTH-STANDARD | 1)10% No Claim Bonus for each claim free year 2)No Sub limits on room rent etc. |
| APOLLO MUNICH MAXIMA | 1)Covers Out Patient Expenses 2)Rs.3 Lac In Patient Coverage |
| APOLLO MUNICH OPTIMA RESTORE | 1)50% No Claim Bonus for every claim free years 2)100% Sum Assured Restoration |
| STAR HEALTH MEDI CLASSIC | 1)200% Restoration Benefit. 2)5% No claim bonus for every claim free policy year |
FAMILY PLANS
| PLAN NAME | SALIENT FEATURES |
| APOLLO MUNICH EASY HEALTH-EXCLUSIVE | · 10% No Claim Bonus for each claim free year · Covers Parents and In-Laws |
| APOLLO MUNICH EASY HEALTH-PREMIUM | · No Sub limits on room rent etc. · maternity coverage after waiting period of 4/6 yrs |
| APOLLO MUNICH EASY HEALTH-STANDARD | · 10% No Claim Bonus for each claim free year · No Sub limits on room rent etc. |
| APOLLO MUNICH MAXIMA | · Pre-existing diseases covered for OPD Expenses · In Patient coverage of Rs.3 Lacs |
| APOLLO MUNICH OPTIMA RESTORE | · 50% No Claim Bonus for every claim free year · 100% Sum Assured Restoration |
| STAR HEALTH – FAMILY HEALTH OPTIMA | · No claim bonus up to 100% of Sum Insured. · 3 times Restoration Benefit. |
SENIOR CITIZEN
| PLAN NAME | SALIENT FEATURES |
| APOLLO MUNICH OPTIMA SENIOR | · Covers Senior Citizens at any age 61 and above · 5% discount on renewal premium |
| SENIOR CITIZEN RED CARPET | · No pre-insurance medical test required. · Pre-existing diseases covered from first year. |
TOP-UP-PLANS
| PLAN NAME | SALIENT FEATURES |
| APOLLO MUNICH OPTIMA PLUS | · 5 Lacs Top Up sum assured at low cost · Lifelong renewal |
| APOLLO MUNICH OPTIMA SUPER | · Upto 10 Lacs Top Up sum assured at low cost · Aggregated deductible limits |
| STAR HEALTH SUPER SURPLUS (GOLD) FLOATER | · Upto 25 Lacs Top Up sum assured at low cost · Aggregated deductible limits |
| STAR HEALTH SUPER SURPLUS (GOLD) INDIVIDUAL | · Upto 25 Lac sum insured at low cost. · Aggregated deductible limits |
SPECIALITY
| PLAN NAME | SALIENT FEATURES |
| APOLLO MUNICH ENERGY-GOLD | · Covers Diabetes type II & Hypertension from Day 1 · Half Yearly Wellness tests |
| APOLLO MUNICH ENERGY-SILVER | · Covers Diabetes type II & Hypertension from Day 1 · Lifelong renewal |
| STAR CARDIAC CARE GOLD | · Covers person with heart ailment. · Expenses on cardiac medical management admissible. |
| STAR CARDIAC CARE SILVER | · Covers person with heart ailment. · Other medical treatments also covered. |
| STAR COMPREHENSIVE | · No sublimits. Automatic Restoration of Sum Insured · 100% No Claim Bonus. 100% Restoration |
PERSONAL ACCIDENT
| PLAN NAME | SALIENT FEATURES |
| APOLLO MUNICH INDIVIDUAL PERSONAL ACCIDENT – PREMIUM | · Coverage upto 5 crore Sum Insured · 5% increase in sum assured for each claim free yea |
| APOLLO MUNICH INDIVIDUAL PERSONAL ACCIDENT – STANDARD | · 5% increase in Sum Insured for each claim free yea · 10% Discount if 2 or more members covered |
TRAVEL
| PLAN NAME |
| APOLLO EASY TRAVEL-INDIVIDUAL |
| APOLLO EASY TRAVEL-FAMILY |
| APOLLO EASY TRAVEL-SENIOR CITIZEN |
| APOLLO EASY TRAVEL-ANNUAL MULTI TRIP |
| STAR TRAVEL PROTECT – INDIVIDUAL (INCLUDING USA & CANADA) |
| STAR TRAVEL PROTECT – INDIVIDUAL (EXCLUDING USA & CANADA) |