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Basic Details - apollo munich health - easy health standard

Incorporation Date : 22/11/2006
Company Name : HDFC ERGO Health
Fund Name : -- Plan Group : Individual
Product Type : Individual Sub Product Type : Health
Health Insurance


* In-Patient Hospitalisation - The medical expenses for coverage for hospitalization of more      than 24 hrs.
* Pre-Hospitalisation - The medical expenses that you incur due to illness during the 60 days    immediately before you are hospitalised.
* Post-Hospitalisation - The medical expenses you incur in the 90 days immediately after you    are discharged from hospital.
* Day-Care Procedures - The medical expenses for enlisted 144 day-care procedures,            which do not require 24 hours hospitalization due to technological advancement, are              covered.
* Domiciliary Treatment - The treatment expenses involved in getting a treatment done at          home which otherwise would need hospitalization.
* Organ Donor - Treatment expenses for the organ donor at the time of organ transplant.
* Daily Cash for Choosing Shared Accommodation - A lump sum amount given for selecting    a shared room in a network hospital.
* Emergency Ambulance - Expenses incurred if ambulance service is used on the way to          hospital for hospitalization (up to Rs. 2000).
* Ayush Benefit - The Medical expenses for in-patient treatment taken under Ayurveda,            Unani, Sidha and Homeopathy.
* Health Check-up - A comprehensive health check-up involving a number of medical tests      only once at the end of a block of four continuous claim free policy years.
* Recovery Benefit - Lump sum benefit of Rs. 10000, if hospitalisation is for greater than 10      days - (For sum insured 15 lacs & above)
* Additional Cover for Critical Illness (optional) - You can opt for an additional cover for          Critical Illness which covers for cancer, coronary artery (bypass) surgery, first heart attack    (myocardial infarction), kidney failure (end-stage renal disease), major organ t                        transplantation, multiple sclerosis, paralysis and stroke. The sum insured for Critical Illness      can be either 50% or 100% of your basic sum insured subject to minimum of Rs. 100,000.

Others Benefits
* Cumulative Bonus - You get a Cumulative Bonus (CB) of 10% for every claim-free year        accumulating up to 100% (in the event of a claim, CB will be reduced by 10% of SI on the    next renewal).
* Cashless Service - You need to obtain a pre-authorization for all planned admissions atleast     48 hours prior to actual admission or regularize any `emergency' admission within 24 hours     post the admission. The details of the process and the documentation requirements are           given in the guide-book sent along with the policy.
* Sum Insured Enhancement - Sum Insured can be enhanced only at the time of renewal            subject to no claim have been lodged/ paid under the policy. If the insured increases the          sum insured one grid up, no fresh medicals shall be required. In cases where the sum              insured increase is more than one grid up, the case shall be subject to medicals. In case of      increase in the sum insured waiting period will apply afresh in relation to the amount by            which the Sum Insured has been enhanced. However, the quantum of increase shall be at        the discretion of the company.
* Portability - If you are insured with some other company's health insurance and you want      to shift to us on renewal, you can. Our portability policy is customer friendly and aims to        achieve the transfer of most of the accrued benefits and makes due allowances for waiting      periods etc.
* Tax Benefits - With the Easy Health Individual Health Insurance Plan you can presently a        avail tax benefits for the premium amount under Section 80D of the Income Tax Act. (Tax      benefits are subject to changes in Tax Laws)