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Apollo Munich Health Insurance

Health insurance is a wide term with a trailing list of details, which many people do not know while buying a policy. There are proper insurance wordings which people should understand to get all benefits covered under a policy. There are varieties of health insurance plans which offer simple to extended cover. 

The plans are designed as per the needs of people and their can be multiple variants of a single plan which offer different benefits. It is possible that one benefit might be covered under just one variant. The entry age of policy holder also decides what all features he/she can find in a policy. There are some restrictions for buyers. If in case someone has a pre-existing illness, then he/she cannot avail the treatment under any policy, even if he/she hides his/her illness from the insurance providers. During the medical checkup, if it is revealed that the illness started before the effective date of policy, then the insurance plan will be of no worth. One must carefully read all exclusions of a plan before buying it.

If a person has a medical history of some particular disease in his/her family, then he/she should try to find a plan under which that medical ailment can be covered. One cannot be certain when and what type of illness may surround one. Therefore, one should opt for a policy which offers extended coverage. Depending upon the sum insured the benefits cover can vary. But it is not true that the most expensive health insurance plans are the best one. 

There is no definition of best plan. It all depends on the insurance seeker what he/she is looking for. Apollo Munich is a standalone company which offers best and most comprehensive health insurance plans to cover majority of illnesses for people from all walks of life.

Benefits of Family Health Insurance plan

Taking care of family health needs is one of the important responsibilities of an earning member of a family. Any sudden mishap in anybody’s life can bring his/her family in the state of financial crises for the sake of expensive medical treatment for health risks. So, before any such situation comes and stands before you, buy a family health insurance plan and get the coverage for all family members, which include, you, your spouse, your dependent children and your dependent parents.

Family health insurance plans are well thought and designed to offer shelter against health risks to all family members. It is believed to be cheaper than individual health insurance as a single premium is to be paid for all family members. There are numerous such plans available in Indian health insurance market, but there is a limitation of the number of members that can be included in the plan. Some plans offer coverage to 4 members and some plans, like Apollo Munich’s Easy Health, offers coverage to maximum of 6 members, which include 4 children and 2 adults. 

In addition, there are numerous benefits that come with family health insurance plans, such as coverage to hospitalization, pre- and post-hospitalization, day-care procedures, domiciliary treatment, maternity expenses, spectacles, hearing aids and many others. 

Apollo Munich’s Easy Health also offers additional coverage to eight major critical illnesses, which includes Cancer, First Heart Attack, Sclerosis, Paralysis, Kidney Failure, Stroke, Coronary Artery Surgery and Major Organ Transplantation. Critical illness is an optional cover, thus, there is no limitation to include or to exclude it from the plan. 

This plan is a complete family health insurance plan that is believed to the best of its kind. It comes with three variants—Standard, Premium and Exclusive, thus, leaving up to an insured to make his/her choice of coverage.

Well integrated health insurance offers

Lifestyle of people has changed. They are no more involved in physical work. Myriad of people prefer sitting job. Hence, a human body without physical activity gets prone to number of diseases. To stay away from these diseases, people go for walk, go to gym, play and carry out several physical exercises, but still they fall prey to health issues.

Health issues come in life of every individual; either due to age or due to a sudden mishap in life. Therefore, it is better to be prepared to face such issues in life. The major problem that is faced at the time of health issues is paying long medical bills. Many people borrow money to pay for these expenses, some avail for poor quality healthcare but it is not easy to see your loved one grappling with pain. So, the best solution that an individual can opt is health insurance offers, the ideal vehicle to reimburse your medical expenditure. 

There are various health insurance plans that are designed to meet healthcare needs of the people. Individual health insurance fulfills healthcare needs of an individual, family health insurance offers health coverage to all family members, group health insurance offers coverage to health issues faced by the group of people, such as, employees of the same company. 

Health insurance acts as a true friend or a partner in life as an insured under its canopy get the financial coverage for medical exigencies. An insured can avail the cashless hospitalization facility in network hospitals or can get the medical expenses reimburse against the medical bills for the treatment in non-network hospital.

So, look for the health insurance provider, such as, Apollo Munich, that offers facility of both cashless hospitalization and reimbursement so that you do not have to limit yourself to few hospitals to avail the treatment.

Affordable health insurance: now in your pocket

Some years back, it looked like a dream that something will come to take off our financial burdens in the times of health related problems. People used to save money, mortgage or borrow as well to meet the unexpected financial lacuna. One serious illness was enough to wash away their long cherished dreams. The whole family had to suffer and to compromise because of unforeseen medical circumstances. 

Then came the health insurance, which made us realize that somebody is there to take care of our healthcare expenses and we need to sacrifice our money for it. But since the concept of health insurance is not even a decade old, many people have this perception that health insurance is a costly affair. Also, it only covers major illnesses which require hospitalization for many days. If there are many benefits under a policy, then it adds to the cost of policy. Realizing this problem, the health insurance companies have come up with awareness program and media marketing through which they are spreading this message that health insurance is affordable. 

The cost of any insurance policy depends upon the number of benefits covered under it. Also if a person is buying a policy at a later age then with age the premium rates used to increase. There are many clauses and benefits which can add to the cost of the policy, therefore the insurance policies are provided in at least two or three variants under which some optional benefits are offered. In case the person does not want to go for those optional benefits, he/she can take the variant which has a choice to take the policy with or without it. Apollo Munich insurance offers affordable policies for people from all walks of life. Its policies are most simple and most affordable.