What Apollo Munich Medical Insurance Covers

Apollo Munich Health Insurance policies provide cover in various forms. The plans present cover for either a corporate group, or an individual, his/her family depending on the plan selected. Medical insurance coverage also changes depending on the type of plan selected—travel, accident, or pure health insurance.

The Apollo Munich Health insurance plans provide coverage in various forms. The plans offer coverage for either an individual, his/her family, or a corporate group as the case may be. The medical insurance cover also varies depending on the kind of plan selected—accident, travel or pure health insurance.
 
Apollo Munich’s medical insurance covers health insurance for individuals and families, depending on the plan selected. One may at times wonder how and why coverage for the whole family is better than individual coverage for each member of the family.  A health insurance policy covers the insured. In an individual policy, the coverage amount can be used only by the insured individual, irrespective of whether or not another family member needs the money. On the other hand in a family health insurance policy, coverage is provided to the whole family, so even if one falls ill, the amount can be used partially or completely by him/her in accordance with the terms and conditions of the policy. In group health insurance policies, the organization pays for the health insurance of each employer.
 
Apollo Munich Personal Accident Plan coverage is different from the coverage provided in case of the Easy Health or Easy Travel Plan. Each plan has its own unique coverage. For example, in the Easy Travel Plan one can avail assistance with baggage loss and other such problems faced while traveling. The Maxima Plan offers coverage inpatient and outpatient treatment, while the Easy Health Plan is meant only for inpatient plans. Thus the coverage provided by each plan is different.

Apollo Munich provides health insurance coverage on the basis of cashless claim or claim reimbursement. The cashless hospitalization facility can be availed in network hospitals. The policyholder only needs to show his health card to the doctor concerned and then the hospital contacts the insurance agency directly to claim the payment for the treatment. In case of a claim reimbursement, the insured has to fill out certain forms and submit a few documents after which, in accordance to the company rules and regulations, the reimbursement may be made.