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Plan Name Salient Features Brochure APPLY
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2
Apollo Munich Individual Personal Accident - Premium
  • Coverage upto 5 crore Sum Insured
  • 5% increase in sum assured for each claim free yea
Download Brochure
Min Entry Age 18; 3 months for children
Max Entry Age 69 years
Max Policy Renewal Age 70 years
Policy Term 1 year
Sum Assured Options 5 lakh\5 crore
No Claim Bonus 5% increase in Sum Insured would be applicable for every claim free years till it reaches to a maximum of 50% of initial Sum Insured. a cumulative bonus has been applied and a claim is made, then in the subsequent Policy Year the cumulative bonus will automatically reduce to zero in that following Policy Year. It is applicable only to Accidental death, Permanent Total Disability and Permanent Partial Disability Sum Insured.
Accidental Death Covered; pays Sum Insured
Permanent Total Disablement Predetremined percentage of Sum insured depending on nature of permanent total disablement
Permanent Partial Disablement Predetremined percentage of Sum insured depending on nature of permanent partial disablement
Temporary Total Disablement weekly benefit upto maximum of 100 weeks. 1% of the Sum Insured for each week; maximum Rs 15 lakh
Emergency Ambulance Up to Rs 2,000
Family Premium Discount Family discount of 10% is applicable if 2 or more family members included
Tax Benefit on Investment Not Available
Family Transportation to Hospital 1% of AD Sum Insured; max Rs. 100000 . Restricted to one immediate member
Transportation of Mortal Remains 2 % of AD Sum Insured; maximum Rs. 10,000
Education Fund allowed upto 2 children. 10% of Accidental Death Sum Insured upto a maximum of Rs 20000
Accidental Medical Expenses Covered
Waiting Period
General Exclusions HIV/AIDS, Sexually Transmitted diseases, Pre-existing conditions and their complications
Special Exclusions
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
Pros Policyholder enjoys a cumulative bonus of 5 per cent for every claim-free year up to maximum of 50 per cent of basic sum insured. Family discount of 10 per cent is applicable if two or more members are covered.
Cons Cumulative bonus reduces to zero in the following year when claim has been made. Maximum allowance under each benefit is capped. It does not provide any tax relief.
* 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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1
Apollo Munich Individual Personal Accident - Standard
  • 5% increase in Sum Insured for each claim free yea
  • 10% Discount if 2 or more members covered
Download Brochure
Min Entry Age 5; 3 months for children
Max Entry Age 69 years
Max Policy Renewal Age 70 years
Policy Term 1 year
Sum Assured Options 1 lakh\50 lakh
No Claim Bonus 5% increase in Sum Insured would be applicable for every claim free years till it reaches to a maximum of 50% of initial Sum Insured. a cumulative bonus has been applied and a claim is made, then in the subsequent Policy Year the cumulative bonus will automatically reduce to zero.
Accidental Death Covered; pays Sum Insured
Permanent Total Disablement Predetremined percentage of Sum insured depending on nature of permanent total disablement
Permanent Partial Disablement Predetremined percentage of Sum insured depending on nature of permanent partial disablement
Temporary Total Disablement weekly benefit upto maximum of 100 weeks. 1% of the Sum Insured for each week; maximum Rs 5 lakh
Emergency Ambulance Up to Rs 2,000
Family Premium Discount Family discount of 10% is applicable if 2 or more family members included
Tax Benefit on Investment Not Available
Family Transportation to Hospital 1% of AD Sum Insured; max Rs. 50000 . Restricted to one immediate member
Transportation of Mortal Remains 2% of AD Sum Insured; max Rs. 10,000
Education Fund allowed upto 2 children. 10% of Accidental Death Sum Insured upto a maximum of Rs 20000
Accidental Medical Expenses covered upto lowest of the actual expenses, 40% of admitted claim, 10% of AD Sum Insured or Rs. 50,000
Waiting Period
General Exclusions Pre existing condition or any complication arising from the same.Any psychiatric or mental disorders.AIDS or any other related conditions.
Special Exclusions Bacterial infections (except pyogenic infection which occurs through an Accidental cut or wound).Hernia
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 on prorata basis
Pros Policyholder enjoys a cumulative bonus of 5 per cent for every claim-free year up to maximum of 50 per cent of basic sum insured. Family discount of 10 per cent is applicable if two or more members are covered.
Cons There is a ceiling on maximum amount under each benefit. It does not provide any tax relief.
* 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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