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Apollo Munich Insurance (Now HDFC ERGO Insurance)

Apollo Munich Health Insurance, founded on 8th August 2007 as a joint venture between Apollo Hospitals Group and Munich Health, has become HDFC ERGO Health Insurance. January 2020 saw the completion of the acquisition process of 51.25 percent shares of Apollo Munich Health Insurance. Apollo Munich Health Insurance was responsible for bringing a host of changes in health insurance products. It offered simplified products and hassle-free claim settlement to its customers.

A leading insurance provider that caters to individuals, families, and corporate houses.

With the acquisition of Apollo Munich Health Insurance by HDFC ERGO, the new entity is a 51:49 joint venture between Housing Development and Finance Corporation (HDFC) and ERGO International AG. Now all Apollo Munich Policyholders will be able to avail cashless facilities at a vast network of 10000+ Network hospitals. HDFC ERGO offers various health insurance plans covering daycare procedures, pre and post-hospitalization expenses, daily cash for hospital rooms, free health checkups, expert medical opinion, emergency ambulance, special coverage for cancer, hypertension, and diabetes, etc.

Apollo Munich Insurance Company Statistics

Policy Issuance

More than 93% policies issued in less than 7 working days

More than 83% policies issued in less than 3 working days

Cashless approval

More than 90% cashless approval done in less than 2 hours of claim intimation

Customer Satisfaction

On an average, 85% of customers are happy with the service and recommend us

Renewal Rate

We have impressive policy renewal rate of 80%

Claim Settlement

Claims Ratio in Percentage for Financial Year 2017-18 is 62.47%

Please Note: Apollo Munich Health Insurance is now HDFC ERGO Health (formerly Apollo Munich Health Insurance)

Apollo Munich Insurance Company Vision Mission

Our Vision

To be a trusted leader in the health insurance sector by providing innovative solutions to the citizens of India.

Our Mission

Constantly introduce innovative Health Insurance and Wellness solutions that meet customer needs.
Build an organization on the principles of transparency, trust and integrity.
Create opportunities for our employees to learn and grow in an enjoyable work culture.
Constantly deliver on our commitments to all our stakeholders.

Our Values

Honoring Commitment: No commitment is too small once it's made
Innovation: Innovations that make consumer life better
Relationship Beyond Transaction: Being compassionate and valuing consumers as individuals
Being Accessible: Being available whenever we are needed
Transparency: Transparency that builds trust

Customer Care Principles

Compassionate
Accountable
Responsive
Expert

Source – Apollo Munich official website

Apollo Munich Company Offers

Health Insurance
Travel Insurance
Personal Accident Insurance

Apollo Munich Company Products and Services

Health Insurance

Apollo Munich’s Health Insurance plan covers you with various benefits like in-hospitalization expenses, pre and post hospitalization expenses, day care treatments, etc. They provide different plans to individual and family. Moreover, Apollo Munich also provides unique plans for critical illnesses, Dengue Care, and top-up plans. See what plans are offered by Apollo Munich Health Insurance:

Health Insurance Plans for Individuals:

Health Wallet - A Revolutionary Health Plan: Under this plan, you get sum insured from INR 3 lakhs to INR 50 lakhs. You also get reserve benefit and the balance is carried forward to next year; pre and post hospitalisation expenses of 60 days and 90 days and no claim bonus facility.
Apollo Munich Optima Restore: Optima Restore is an individual health insurance plan. This plan is available for an individual of age 5 to 65. Under this plan you can get cover from INR. 3 lakh to INR. 50 lakhs. An inbuilt Restore benefit helps to auto-reinstate the sum insured. Moreover, an included Multiplier benefit increases the sum insured with 50% every no claim year.
Apollo Munich Easy Health: Under this plan you get sum insured from INR 1 lakh to INR 15 Lakh and it covers in-patient hospitalization, pre and post hospitalization, day care, etc. An individual of age 5 to 65 years can be insured under this plan. You can also opt an add-on optional cover for listed critical illness.
Day2Day Care – Silver: Under this plan up to 6 members can be covered in a single policy on individual sum insured basis, maximum of 4 adults and 5 children. The benefits of the plan are outpatient consultation and Diagnostics. You can also avail cashless service at network hospitals under this plan.
Dengue Care Plan: This plan gives comprehensive and exclusive coverage for dengue fever. It gives you coverage of inpatient treatment, post and pre hospitalisation expenses. It has same premium across all ages and there is no pre policy health check-up needed for this plan.
Optima Cash: This is a daily hospital cash plan and gives financial benefit for sickness, accident and ICU treatment cash benefit. It also covers joint hospitalisation, child birth and parent accommodation expenses.
Optima Plus: Optima Plus is a top up plan for hospitalisation expenses of in-patient treatment and pre & post hospitalisation. It also covers day care procedures, expenses for emergency ambulance and organ donor.
Maxima: Maxima is a comprehensive health insurance plan that also covers for minor illnesses. It gives you coverage for doctor consultation, dental treatment, spectacles, contact lenses, diagnostics etc.
Optima Super: Optima Super is an aggregate top up plan that covers hospitalisation, pre and post hospitalisation expenses, day care procedures, emergency ambulance etc.
Optima Vital: Optima Vital is a critical illness plan that gives you lump sum payment for treatment of 37 specified critical illnesses. You can have sum insured from INR 1 lakh to INR 50 lakhs.
Energy: The Sweetest Thing for People Living with Diabetes: Covers Type 2 Diabetes Mellitus, Impaired Fasting Glucose, Impaired Glucose Transpose and other related ailments. Coverage offered under this plan is from sum insured of INR. 2 lakh to INR. 10 lakh. No waiting period for individuals with Type 2 Diabetes and other said ailments. Eligibility is from age 18 years to 65 years.

Health Insurance Plans for Family:

Health Wallet Family: You can cover your family with this single plan with sum insured ranging from INR 3 lakh to 50 Lakh. It covers in-patient hospitalization, pre and post hospitalization, day care, etc. An inbuilt Restore benefit helps to auto-reinstate the sum insured. Moreover, an included Multiplier benefit increases the sum insured with 50% every no claim year.
Optima Restore Family: The Unbelievable Health Plan: The Optima Restore for family health plan helps in restoring the sum insured after the exhaustion of the floater sum insured. Here’s how it works: If one of the family members got hospitalized because of which the cover/sum insured exhausts due to the medical expenses, and in the same year any other family member gets hospitalized, Apollo Munich will restore the entire cover at no extra charge. This plan is available for family, each individual of age between 5 to 65 years. You can also insure an infant under this policy after 3 months of birth. The sum insured ranges from Rs. 3 lakh to Rs. 50 lakhs. An included Multiplier benefit increases the sum insured with 50% every no claim year.
Easy Health Family: This plan covers you with in-patient hospitalization, pre and post hospitalization, day care, etc. with a total sum insured of INR. 3 lakh to INR. 50 lakh. This plan is available for family, each individual should be of age between 5 to 65 years. You can also insure an infant under this policy after 3 months of birth. You can also opt an add-on optional cover for listed critical illness. It also covers maternity expenses, recovery benefit and health check-up benefit.
Day2Day Care – Silver Family: The minimum entry age for this plan is 91 days to 65 years and for adult minimum entry age is 18 years. The policy can be given to individual or family. Maximum 4 members can be covered in this plan - 2 adults and 3 children. The benefits of the plan are outpatient consultation and diagnostics. You can also avail cashless service at network hospitals under this plan.
Optima Super Family: Optima Super is a top plan that offers you wide-ranging sum insured and deductible combinations to select coverage as per requirement. This plan also gives you the option to convert nil deductible plan near your retirement.

Health Insurance Plans for Senior Citizens:

Apollo Munich Optima plan is exclusively for senior citizens. For individuals of 61 years and above. This plan offers comprehensive coverage of all medical expenses, treatment of illnesses and accidents requiring in-patient hospitalization. The policy can be availed for 1 or 2 years.

Travel Insurance

If you are planning a family vacation, world tour with family, single business trip, or pursuing a master’s degree abroad, Apollo Munich Health Insurance offers various plans just to fit your travel plans. Travel plans by Apollo Munich cover on-travel risks, from medical emergencies to lost checked-in baggage, loss of passport, financial emergency, dental treatment, etc. Apollo Munich Health Insurance offers plans for an individual, family, senior citizen, and student.

Easy Travel – Individual: With different plan variants – Platinum, Gold, Silver, Bronze, Asian you can customize your travel trips with Apollo Munich Easy Travel plan. It covers costs of all the medical emergencies, flight delays and cancellation, loss of baggage, passport, etc. with a sum insured that ranges from USD 25,000 to USD 5,00,000. Choose plans that may or may not include US & Canada, Worldwide, and Asiapac excluding Japan.
Easy Travel - Family: Secure your family trip with Apollo Munich Easy Travel- family. With a sum insured from 25,000 USD up to 1,00,000 USD that covers the cost of medical emergencies, loss of baggage, passport, flight delays and cancellation, emergency cash, etc. for family. This plan covers you, your spouse, and two children up to the age of 21 years. It covers people from age of 6 months to 70 years. Choose plans that may or may not include US & Canada, Worldwide, and Asiapac excluding Japan.
Easy Travel Senior Citizen: This is an exclusive travel plan for senior citizens aged between 71 years to 80 years. It covers the cost of medical emergencies, accident or hospitalization of senior citizens. It has two variants - Silver and Bronze with a sum insured of USD 1, 00,000 and USD 50,000 respectively. Choose plans that may or may not include US & Canada, Worldwide, and Asiapac excluding Japan.
Annual Multi Trip Plan: Whether it’s your regular business trip or multiple single destination solo trips for fun, this plan is best suited to people travelling frequently throughout the year. Varying sum insured options to choose from the range of USD 25,000 to USD 5,00,000, you can select different variant plan Platinum, Gold, Silver, Bronze, and Asian region. Choose plans that may or may not include US & Canada, Worldwide, and Asiapac excluding Japan.
Student Travel Plan: Customizable plan for students planning to study abroad. It has four variants - Platinum, Gold, Silver, and Bronze, that covers sum insured in the range of 50,000 USD and 500,000 USD. It covers the cost of all medical expenses, in-hospitalization, non-medical covers, travel inconvenience, etc. Choose plans that may or may not include US & Canada, Worldwide, and Asiapac excluding Japan.

Personal Accident Insurance

It is a smart way to protect against any kind life uncertainties that may arise due to the accident or mishap, which might lead you and your family into financial instability. Accident may cause total or partial disability which may be temporary or permanent. In such eventualities, cash flow gets stalled. Under such conditions, Personal Accident Cover comes to rescue.

Personal Accident Plan - Standard: An Individual Personal Accident Insurance is a way to stay financially stable in the event of accident or fatal injury that may happen due to accident. Under this plan, you can get a sum insured in the range of INR. 1 lakh up to INR 50. lakhs which covers disability and accidental death.
Personal Accident - Premium: An Individual Personal Accident Insurance is a way to stay financially stable in the event of accident or fatal injury that may happen due to accident. Under this plan, you can get a sum insured in the range of INR. 5 lakh up to INR 5 crores which covers disability and accidental death.

Premium Payment process of Apollo Munich Insurance Company

8Online Payment process

Select a plan as per your requirements. After selecting, click on buy and it will take you to the payment page where you can choose your payment gateway like debit/credit card, net banking, wallets etc. Select your payment gateway and simply make the payment.

Offline payment process

You will be required to physically go to the nearest Apollo Munich company branch office. There you can fill in the paper work and make the payment by cash/cheque or any other payment facility available.

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Apollo Munich Insurance Renewal

Online Renewal Process at Apollo Munich Insurance Company

Step 1 – Log in to the company website

Step 2 – Put in your policy details and personal details

Step 3 – You will get access to your policy account page where you can click on the renew policy option.

Step 4 – You will be given preview of the renewal option selected. Check the details and make the payment online by choosing your payment gateway like bank cards, net banking etc.

Step 5 – After making the payment, you will get the policy document in email instantly and the hard copy will send via post.

Joining the Apollo Munich family from another insurer

You can port/switch your insurance policy from another insurer to Apollo Munich and retain the NCB cover and also the waiting period in the new health plan; and it won’t get reset to zero for the pre-existing diseases.

Awards and Campaigns of Apollo Munich Insurance Company Limited

Awards Won by Apollo Munich Insurance Company

Apollo Munich has received several awards over the past years. Some of the recent awards are mentioned below:

Year	Awards	Organisation
2009	Outdoor Advertising Awards 2009	Mudra Max
2010	ISO – 9001:2008 certification	DNV Audit
2011	Policy Administration 2011	Celent
2011	OOH 2011 for Outdoor Advertising & Digital Signage - Best Outdoor Plan – Strategy	Mudra Max
2011	OOH 2011 for Outdoor Advertising & Digital Signage - Most Effective Outdoor Plan	Mudra Max
2011	The Remmy Award	Times Ascent
2011	The Remmy Award Nomination	Times Ascent

Campaigns of Apollo Munich Insurance Company Limited

Let’s Uncomplicate: We believe in uncomplicating and here’s the journey of “Let’s Uncomplicate” campaign

Pause: A campaign designed to compel you to pause in life and think about “Your Health”.

Optima Restore: A campaign for the most unbelievable insurance plan that truly offers unique benefits.

Health Wallet:A campaign for the revolutionary health plan that secures your future with a growing Reserve Benefit.

Source – Apollo Munich Website

Apollo Munich Insurance FAQs

What kind of policies are available online with Apollo Munich Insurance Company Limited?

Health insurance, travel insurance and personal accident insurance policies are all available for online purchase with Apollo Munich Insurance Company Limited on their official company website.

How to renew Apollo Munich insurance policy online?

You can renew your Apollo Munich Insurance policy online by logging on to the Apollo Munich website and clicking on the “Renew” tab. You will be directed to the renewal page where you will be asked to enter 10 or 12-digit policy number. After entering your policy number, you will get access to your policy account where you can choose the renewal option and make the payment for the renewal premium. After doing this process, your policy will get renewed. There is no need for health check-up if policy is renewed with any break and if there are no changes in the policy’s terms and conditions.

How can I contact Apollo Munich for health insurance?

You can contact Apollo Munich for health insurance in the following ways:

By filling an online form to contact you on their website
Email - customerservice@apollomunichinsurance.com
Sales phone line - 1800-103-0555

Are all the major corporate hospitals on the network?

You can know the name of the hospitals on Apollo Munich network through their website.

How does one get reimbursement for pre- and post-hospitalization expenses under this scheme?

You will be required to send all original invoice/ prescription and other supporting document plus copy of discharge summary to the company. The claim will be verified and will be settled as per the limit of the policy. The documents need to be sent to the company’s Customer Service Centre within 15 days from the day the treatment get finished.

How does one get reimbursements in case of treatment in non-network hospitals?

All original documents related to the treatment need to file for claim within 15 days of discharge.

Documents required
Properly filled claim form with signature
Original bills and prescription
Medical and diagnosis reports Any other documents may be required depending on case to case basis.

I am an Apollo Munich Health Insurance Policyholder. Do I need to give a Medical Exam on a yearly basis?

You don’t have to give medical exam on yearly renewal basis if there is no break in the renewal process or no changes in the terms and conditions of the policy.

What is the procedure and documents required for filing a Loss of Checked-in Baggage claim?

You will require the following documents for filing a Loss of Checked-in Luggage claim:

A duly filled and signed claim form
A copy of your Policy
The airline ticket and boarding pass of the flight you were travelling in after which the luggage was lost
Copies of correspondence with airline authorities/others about loss/ along with details of compensation received from airlines/other authorities (if any),
Property Irregularity report (clearly accepting the loss)
Enough proof of ownership of items inside the checked-in-baggage valued in excess of Indian rupee equivalent of US $100

These are the steps you need to follow to file the claim:

Step 1: Inform the airline authorities

Step 2: Lodge a complaint with the airline authorities

Step 3: Get a Property Irregularity Report (PIR) from airline authorities with details about the period of delay/loss

Step 4: Fill the claim form and submit the above-mentioned documents within 15 days of return to India or expiry of Policy (whichever is earlier)

Customer Reviews

Average Customer Rating:

Apollo Munich Insurance is Now HDFC ERGO Health Insurance

5 / 5 ( 7 reviews )