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(267 Client Reviews)
Products
Plan Name Salient Features Brochure APPLY
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31
APOLLO MUNICH ENERGY-GOLD
  • Covers Diabetes type II & Hypertension from Day 1
  • Half Yearly Wellness tests
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Min Entry Age 18 Years, who are currently diagnosed with Type II Diabetes or Pre-Diabetes (Impaired Fasting Glucose/Impaired Glucose Tolerance) or Hypertension.
Max Entry Age 65 Years
Max Policy Renewal Age No Limit
Policy Term 1 year
Sum Assured Options 2/3/5/10 Lacs
Premium Payment Options Yearly
In-patient Treatment Covered
Day-Care Procedures Covered
Domiciliary Treatment Covered
Expenses for organ donor Covered
Pre hospitalisation Covered
Post hospitalisation Covered
Emergency Ambulance Covered
Health Check-up Comprehensive Half Yearly Wellness tests every year, Health Coach
Maternity Expenses Not covered
Ayush Benefit Not covered
No Claim Bonus Not Available
Restore Benefit Not Applicable
Cashless facility Available in network hospitals
Re-imbursement Expenses incurred in non-network hospital reimbursed within 14 days of filing all relevant documents with the company
Co-Pay 20% co-pay option available with lower premium
Claim Based Loading No claim based loading
Renewal Premium Discount reimbursement of medical expenses upto 25% of premium for management of health condition, reduction in renewal premium up to 25% of premium based on your health results
Family Premium Discount Not Available
Tax Benefit on Investment Tax benefit available under section 80D of Income Tax Act
Riders Not Available
Pre Policy Medical CheckUp Mandatory, Expenses are not charged on acceptance of proposal
Pre-existing disease No waiting period for any complications arising out of diabetes, pre-diabetes or hypertension
Waiting Period 2 year waiting period for specific diseases
No claim period No waiting period for any complications arising out of diabetes, pre-diabetes or hypertension
General exclusions Conditions related to or arising out of HIV/AIDS, Mental disorder etc.
Grace Period 30 day grace period for renewal of policy
Policy Termination Not Applicable
Doctor Consultations (OPD)
Reimbursement (OPD)
Annual Health CheckUp (OPD)
Pros Diabetes type II and Hypertension covered from Day 1, Wellness Tests, Personal Health Coach
Cons No Claim Bonus not available
* Please refer policy wordings for detailed information
Brochure Premium Chart Policy Wording Application Form Contact Us
Download Brochure Premium Chart Policy Wordings Application Form Contact Us
 
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30
APOLLO MUNICH ENERGY-SILVER
  • Covers Diabetes type II & Hypertension from Day 1
  • Lifelong renewal
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Min Entry Age 18 Years, who are currently diagnosed with Type II Diabetes or Pre-Diabetes (Impaired Fasting Glucose/Impaired Glucose Tolerance) or Hypertension.
Max Entry Age 65 Years
Max Policy Renewal Age No Limit
Policy Term 1 year
Sum Assured Options 2/3/5/10 Lacs
Premium Payment Options Yearly
In-patient Treatment Covered
Day-Care Procedures Covered
Domiciliary Treatment Covered
Expenses for organ donor Covered
Pre hospitalisation Covered
Post hospitalisation Covered
Emergency Ambulance Covered
Health Check-up Not covered
Maternity Expenses Not Covered
Ayush Benefit Not Covered
No Claim Bonus Not Available
Restore Benefit Not Applicable
Cashless facility Available in network hospitals
Re-imbursement Expenses incurred in non-network hospital reimbursed within 14 days of filing all relevant documents with the company
Co-Pay 20% co-pay option available with lower premium
Claim Based Loading No claim based loading
Renewal Premium Discount reimbursement of medical expenses upto 25% of premium for management of health condition, reduction in renewal premium up to 25% of premium based on your health results
Family Premium Discount Not Available
Tax Benefit on Investment Tax benefit available under section 80D of Income Tax Act
Riders Not Available
Pre Policy Medical CheckUp Mandatory, Expenses are not charged on acceptance of proposal
Pre-existing disease No waiting period for any complications arising out of diabetes, pre-diabetes or hypertension
Waiting Period 2 year waiting period for specific diseases
No claim period No waiting period for any complications arising out of diabetes, pre-diabetes or hypertension
General exclusions Conditions related to or arising out of HIV/AIDS, Mental disorder etc.
Grace Period 30 day grace period for renewal of policy
Policy Termination Not Applicable
Doctor Consultations (OPD)
Reimbursement (OPD)
Annual Health CheckUp (OPD)
Pros Diabetes type II and Hypertension covered from Day 1, Lifelong renewal, No claim based loading
Cons No health checkups available
* Please refer policy wordings for detailed information
Brochure Premium Chart Policy Wording Application Form Contact Us
Download Brochure Premium Chart Policy Wordings Application Form Contact Us
 
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48
STAR CARDIAC CARE GOLD
  • Covers person with heart ailment.
  • Expenses on cardiac medical management admissible.
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Min Entry Age 10 Years
Max Entry Age 65 Years
Max Policy Renewal Age No age limit
Policy Term 1 Year
Sum Assured Options 3/4 Lacs
Premium Payment Options Yearly
In-patient Treatment Covered subject to sublimits
Day-Care Procedures Covered
Domiciliary Treatment Covered
Expenses for organ donor Covered
Pre hospitalisation Medical expenses incurred due to illness during the 30 days immediately before hospitalisation
Post hospitalisation Medical expenses incurred during the 60 days immediately after discharge from hospital
Emergency Ambulance Rs. 750/- per hospitalisation. Maximun Rs. 1500/- per policy period.
Health Check-up Not available
Maternity Expenses Not available
Ayush Benefit Not available
No Claim Bonus Not available
Restore Benefit Not vaialble
Cashless facility Available at empanelled hospitals.
Re-imbursement For treatments taken at other than empanelled hospitals.
Co-Pay 10% for entry beyond 60 years of age.
Claim Based Loading Not applicable
Renewal Premium Discount Not available
Family Premium Discount Not available
Tax Benefit on Investment Eligible for relief under section 80D of the Income Tax Act, 1961
Riders Not allowed
Pre Policy Medical CheckUp Applicable. Past medical records to be submitted.
Pre-existing disease Any pre-existing condition will be covered after a waiting period of 4 years
Waiting Period 2 years waiting period for specific diseases like cataract, hernia, joint replacement etc. For detila check the policy wording.
No claim period Cardiac related treatment: 90 days. Other treatments within the first 30 days of cover except any accidental injury.
General exclusions AIDS or any related illness will not be covered.Treatment of any mental or related disease
Grace Period 30 days
Policy Termination Policyholder is allowed to terminate the policy at anytime by giving a 15 day written notice. In case no claim has been made under the policy, prorata percentage of premium will be refunded.
Doctor Consultations (OPD) Not available
Reimbursement (OPD) Not available
Annual Health CheckUp (OPD) Not available
Pros Can be issued to person have heart ailment during previous 7 years.
Cons Maximum sum insured Rs. 4 Lac.
* Please refer policy wordings for detailed information
Brochure Premium Chart Policy Wording Application Form Contact Us
Download Brochure Premium Chart Policy Wordings Application Form Contact Us
 
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47
STAR CARDIAC CARE SILVER
  • Covers person with heart ailment.
  • Other medical treatments also covered.
Download Brochure
Min Entry Age 10 Years
Max Entry Age 65 Years
Max Policy Renewal Age No age limit
Policy Term 1 Year
Sum Assured Options 3/4 Lacs
Premium Payment Options Yearly
In-patient Treatment Covered subject to sublimits
Day-Care Procedures Covered
Domiciliary Treatment Covered
Expenses for organ donor Covered
Pre hospitalisation Medical expenses incurred due to illness during the 30 days immediately before hospitalisation
Post hospitalisation Medical expenses incurred during the 60 days immediately after discharge from hospital
Emergency Ambulance Rs. 750/- per hospitalisation. Maximun Rs. 1500/- per policy period.
Health Check-up Not vaialble
Maternity Expenses Not vaialble
Ayush Benefit Not vaialble
No Claim Bonus Not available
Restore Benefit Not vaialble
Cashless facility Available at empanelled hospitals.
Re-imbursement For treatments taken at other than empanelled hospitals.
Co-Pay 10% for entry beyond 60 years of age.
Claim Based Loading Not applicable
Renewal Premium Discount Not available
Family Premium Discount Not available
Tax Benefit on Investment Eligible for relief under section 80D of the Income Tax Act, 1961
Riders Not allowed
Pre Policy Medical CheckUp Applicable. Past medical records to be submitted.
Pre-existing disease Any pre-existing condition will be covered after a waiting period of 4 years
Waiting Period 2 years waiting period for specific diseases like cataract, hernia, joint replacement etc. For detila check the policy wording.
No claim period Cardiac related treatment: 90 days. Other treatments within the first 30 days of cover except any accidental injury.
General exclusions AIDS or any related illness will not be covered.Treatment of any mental or related disease
Grace Period 30 days
Policy Termination Policyholder is allowed to terminate the policy at anytime by giving a 15 day written notice. In case no claim has been made under the policy, prorata percentage of premium will be refunded.
Doctor Consultations (OPD) Not applicable
Reimbursement (OPD) Not applicable
Annual Health CheckUp (OPD) Not applicable
Pros Can be issued to person have heart ailment during previous 7 years.
Cons Maximum sum insured Rs. 4 Lac. Expenses on cardiac medical management not admissible.
* Please refer policy wordings for detailed information
Brochure Premium Chart Policy Wording Application Form Contact Us
Download Brochure Premium Chart Policy Wordings Application Form Contact Us
 
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54
STAR COMPREHENSIVE
  • No sublimits. Automatic Restoration of Sum Insured
  • 100% No Claim Bonus for sum insured more than 5Lac
Download Brochure
Min Entry Age 3 Months
Max Entry Age 65 Years
Max Policy Renewal Age No age limit
Policy Term Yearly
Sum Assured Options 5/7/10/15/20/25 Lacs
Premium Payment Options Yearly
In-patient Treatment Covered
Day-Care Procedures 405 Day care procedures covered.
Domiciliary Treatment Covered
Expenses for organ donor Covered
Pre hospitalisation Relevant medical expenses covered for 30 days prior hospitalisation
Post hospitalisation Medical expenses covered for 60 days immediately after discharge from hospital
Emergency Ambulance Available. Limits as per sum insured.
Health Check-up Available for a block of 3 claim free years.
Maternity Expenses Covered
Ayush Benefit Not available
No Claim Bonus 100% No claim bonus for every claim free year for sum insured above Rs. 5 Lacs. 50% for Sum Insured Rs. 5 Lacs.
Restore Benefit Equal to 100% of Basic Sum Insured, Restore benefit automatically reinstates the basic sum insured in case you exhaust it in a policy year.
Cashless facility Available at empanelled hospitals in India.
Re-imbursement In case policyholder opts for non empanelled hosiptal.
Co-Pay 10% in case of entry after the age of 60 years.
Claim Based Loading Not appliacble
Renewal Premium Discount Not available
Family Premium Discount Not available
Tax Benefit on Investment Payment of premium by any mode other than cash is eligible for relief under Section 80D of the Income Tax Act, 1961.
Riders Available
Pre Policy Medical CheckUp Mandatory for age 50 years and above.
Pre-existing disease Covered after 48 months of continous coverage.
Waiting Period 24 months for specific illnesses and treatments
No claim period Any disease contracted during the first 30 days of commencement of the policy except for accidental emergency.
General exclusions Non allopathic treatments. AIDS or any related illness will not be coveredTreatment of any mental or related disease is also excluded.
Grace Period 30 days
Policy Termination Insurance company may terminate the policy by giving a written notice of 30 days. Policyholder is allowed to terminate the policy at anytime by giving a written notice. In case no claim has been made under the policy, percentage of premium will be refunded
Doctor Consultations (OPD) Outpatient dental and opthallmic treatment once in a block of 3 years.
Reimbursement (OPD) Not applicable
Annual Health CheckUp (OPD) Once in a block of evey 3 claim free policy years.
Pros Riders available for accidental death and permanent total disablement. Expenses for Baroatric suregery covered subject to maximum of Rs. 2.5 Lacs.
Cons Starts from 5 Lac Sum Insured.
* Please refer policy wordings for detailed information
Brochure Premium Chart Policy Wording Application Form Contact Us
Download Brochure Premium Chart Policy Wordings Application Form Contact Us
 
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Risk Factor : All investments in mutual funds are subject to market risks and the NAV of the schemes may go up or down depending upon the factors and forces affecting the securities market and there can be no assurance that the fund's objectives will be achieved. Past performance of the Fund does not indicate the future performance of the Schemes of the Fund.
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