Personal Accident

When people face accidents, the cost of the household income also needs to be taken care of. If the earning member of the family is the one who suffers from problems, then there are many other financial problems that the family would have to deal with. The costs of the injured individual’s treatment and the costs of household expenses are too much for a family with no income to handle. Personal accident insurance plans cover such costs and make it easier for customers to deal with the expenditures.



There are people who have the ability to get insurance plans that are designed to get the needed treatment and the cost of treatment. However, there is a larger number of people who are not even aware of such plans. There are many steps being taken to promote this awareness. Today, many employers provide personal accident policies to employees. This helps in keeping them safe at times when the employer cannot pay the employee. After an accident, the beneficiary or the policy holder gets lump sum amounts that enable them to face all extra costs. Apollo Munich provides plans that are designed to give the individual many extra benefits and value-added services to keep the family safe.

Medical Insurance Plan

In today’s world, one and all look for a means of increasing their money without much effort. One has to simply invest in the right place, and after a while you can reap the benefits of the same. However, there is always a risk attached to such investments. People often end up losing out on money when they invest in such places. However, most individuals take the risk, but will not invest in a medical insurance plan. Health insurance is a safe bet for investment. There is never the risk of losing the money you have invested. At the same time, such plans give you tax benefits.

A health insurance policy is designed to safeguard people from facing any kind of trouble financially, due to a medical problem. The problem is that since medical insurance plans do not give a high return, people seldom invest therein. What most people do not understand is that such a plan only protects ones money. Wide-ranging policies are a better investment as they provide no ‘risk’ but at the same time protect the financial interest of the individual. Apollo Munich offers some of the best medical insurance plans that focus not just on the curative needs of people, but also on their preventive healthcare needs.

Mediclaim Health Insurance

People plan for the future. There is probably not one person who has never thought about what he or she is going to do in the coming future. Whether it is education, financial stability, or any other aspect of life, one always tries to make sure that the path chosen by them is the best possible option. It should suit the needs of the person and his/her family. But while planning the future, people can rarely see the problems that they are likely to face. The number of problems is endless, especially when it comes to health. Given the high cost of medical care, one has a hard time in keeping aside money for the same. Mediclaim health insurance plans are designed solely to protect an individual when he/she is faced with a medical crisis.

Since people cannot afford the cost of medical care, they often avoid it. However, if while planning the future, one invests in a mediclaim health insurance plan, he/she can get treated and still not face any financial constraints due to it. Apollo Munich offers medical insurance plans that are comprehensive and at the same time offer the insured tax benefits under section 80 (D) of ITA.

Online Insurance India

Medical Insurance is important to stay healthy—not just to stay financially steady even after a medical problem. Today people have started realizing this importance. One and all are trying to stay fit and healthy. However, with the rush of things that have taken a priority in one’s life, taking out time for discussing a mediclaim plan with a broker is too much to ask. People have their own priorities and health does not seem to fit in anywhere. Online insurance in India is a new concept which is aimed at resolving this problem. People need not spend hours talking to a broker or an agent, or stand in long queues to get health insurance. They can buy an insurance policy online.

Online insurance in India is just starting up. Currently very limited online options are available for customers. These options include things like online buying, renewal, and accessibility to information. Some websites also provide the various forms needed while filing for claims and/or cashless hospitalization. There are also websites that publish or upload the policy wordings of insurance plans provided by the company. Apollo Munich is one such company. They have the policy wordings, claims form, brochures, details about the claim procedure and the rate card all uploaded onto their website.

Medical Insurance India

The concept of medical insurance in India is steadily growing. The people in the country have just started realizing the importance of a medical insurance plan. The fact that a medical insurance provider will not, at the last minute, back-out of paying the claim has just been realized by Indians. Until now, most people did not even know about medical insurance. Those who did were under the impression that when you filed a claim, there would be several clauses that the insurance provider would point out stating that those are the reasons for not being able to pay the claim. However, this conception of health insurance is slowly changing. Medical insurance providers and the government are working hand-in-hand to promote health insurance.

Medical insurance in India has seen the entrance of several big players from the international markets. These have formed joint ventures with Indian companies and have flooded the market with comprehensive plans. Apollo Munich is one such company. It is a tie-up between Apollo Hospitals Group and Munich Health. The two have expertise in two of the most important areas of health insurance—healthcare and insurance. Apollo Munich offers some of India’s best health insurance plans. The Maxima policy was India’s first 360 degree plan.

Medical Insurance Company

Medical insurance in India is a relatively new concept. Most people are still unaware of what health insurance is. Mediclaim is needed to make sure that people do not get burdened by the cost of healthcare. Falling ill can seldom be avoided. In fact, people can hardly ever guarantee that they will not fall prey to an illness. However, health insurance can help you stay healthy. Statistics have shown that people with health insurance stay healthy more than those without health insurance. For example, people with mediclaim are more willing to go and get a diagnostic test done because they know that if it results in something serious, the medical insurance company will cover the tests.

People who do not have a medical insurance plan often try to cut costs when it comes to any form of healthcare and therefore get treatment which is of lower quality and often not effective enough to permanently cure the patient. Such people are penny-wise, pound-foolish. A medical insurance company designs plans to make sure that people do not cut back on medicare needs. Apollo Munich offers plans that take into account all the medical care needs of an individual. The plans cover a wide range of treatment steps and medical procedures.

Medical Insurance Brokers

Medical insurance brokers have the ability to guide people in getting the right insurance policy. One can get the medical insurance plan as per his/her needs and requirements. It is important to get the mediclaim plan that not only covers all the medical problems likely to be faced, but also one that provides ample financial coverage amount. Since medical insurance brokers have sound knowledge of all the various plans available to people in the country, they can help individuals in getting the right policy with ease.

However, in order for the insurance agent to assist you in buying the plan, you should provide the agent with ample information about your medical history as well as any genetic problems and hereditary diseases that may be present. The medical insurance broker can then judge you requirements against the benefits available in the market and then suggest the right plan. One must always remember to read the policy wordings and make sure that the plan’s coverage and exclusions are clear. It is not always possible for a broker to acquaint you with all the details about of the plan. For this purpose, Apollo Munich offers medical insurance policy wordings on the website of the company. One can read it before buying the plan and thus make an insured decision.

Medical Insurance Policy

There are many people think that they do not need to get a medical health insurance policy just because they are healthy. The fact is that this is not the case. A mediclaim policy is very crucial to individuals. People need to get the right kind of plan that suits their healthcare needs. For example, a person who is fit and healthy would not need an insurance policy that is focuses on the treatment of illnesses. Such individuals need insurance plans that are more focused on the prevention of illness. The plans should provide medical check-ups, outpatient treatments, etc. this means that individuals have the benefits of leading healthy lives with one single insurance policy.

On the other hand an individual who prefers homeopathic treatment would need a medical health insurance policy that covers the same. Such people need to get an insurance plan that actually covers these branches of medicine along with allopathic treatments. Since the needs of people vary, it is important that they buy an insurance policy that covers all the necessary medical requirements. Apollo Munich Health Insurance offers medical insurance plans that cover the individual from all kinds of medical problems. The Insure Health Plan provides coverage for homeopathic and ayurvedic treatments, while the Maxima Plan covers outpatient treatments alongside inpatient.

Medical Health Insurance Policy

When a person does not know the future, it is hard to tell the costs that would be needed for leading a comfortable life. Today the person may be saving up for any kind of a medical emergency, but how much can a person save? Could that money not be put to some other use? There are insurance providers who offer medical health insurance policy covers to customers so that they do not have to sacrifice any dreams or ambitions to satisfy their healthcare needs. Most people are not aware of this.

People simply believe that an insurance provider would find some or the other reason for not paying for the treatment. The fact is that an insurance plan actually does help people out. This has now been proven by studies and statistics. A simple medical health insurance policy ensures that a person stays healthy at all times. It gives people the mental satisfaction that the cost of treatment is going to be paid by the insurance provider. There are companies like Apollo Munich that aim at providing the insured with easy-to-understand plans that are written in simple language. Information on the plans is available on the company website along with the policy wordings.

Health Insurance Policy

The awareness about the importance of a health policy is growing. But the problem is that most people think that since a medical insurance plan is meant to cover the cost of a treatment, it should cover the treatment for a number of diseases. The fact is that a health policy should ideally cover the steps of treatment. Room rent, ICU charges, Operation theater charges, cost of blood, cost of implants, other equipment costs, etc. are all steps of treatment that the insurance policy should cover. All these costs should be covered by the insurance policy.

Most of the above mentioned steps are common to various treatments therefore it is essential that the plan covers them. Also many hospitals divide the bill accordingly. When a bill is generated at a hospital it seldom quotes “treatment for xyz disease”! The bill would usually state the components of the treatment. However, in the exclusions of the policy, one may find that the plan does not cover treatment of a particular disease. It is therefore essential to understand all these policy components clearly before buying the plan. One can read the Apollo Munich policy wordings on the website of the company. The aspects of treatment covered and the exclusions of the plan are clearly mentioned.

Health Policy

Treatments are available for all kinds of medical problems. There are problems that are very extensive and therefore need a lot of careful attention while there are also problems that need just a minor surgery. Depending on the nature of the ailment, there are treatments and cures that have been cut out specifically for the same. These are treatments that are needed to medically enable the individual to live a healthy life again. However, due to the cost of these procedures, most people tend to run away from the same. One has the option of buying a health policy and then getting the treatment needed; but the awareness for the same is very low.

This means that people do not have the means of getting a treatment they deserve and need even when it is available. Buying a health policy could be tricky. The simple reason is that the insurance holder may not always understand the policy terms and conditions. It is important to read the policy wordings and the exclusions section carefully before buying the plan. Apollo Munich has very simple policy wordings that can be understood by one and all. The Apollo Munich website has details about all the plans. Along with all the brochures and forms for the same.

Accidental Health Insurance

People have gotten used to the fact that after an accident, they just have to face a financial set-back. The problem is that people do not realize that this is not necessary. The individual does not have to face any kind of a financial problem due to the accident. There are group accidental insurance policies that are meant to take care of the same. Such an insurance plan covers all the likely financial problems that the individual would face after the accident or due to the same.

Most group accidental insurance plans cover medical care, cost of emergency treatment, and several other such medical costs. They also cover the insured when he/she is faced with a disability due to the accident. This could be a temporary partial disability, permanent partial disability, permanent total disability, etc. Even accidental death is covered by most such plans.

Apollo Munich Health Insurance offers customers Personal Accident Policy a comprehensive plan that covers the insured for all kinds of problems faced after an accident. This group accident insurance policy also provides cover for education of children, modification of the house or other premises, etc. after either death or disability of the insured due to an accident.

Group Accident Health Insurance

Accidents seem to have become a part and parcel of our lives. There are people who seem to be unable to live without an accident occurring every now and then. The sad thing is that while accidents are common, there are many people who suffer much more than they should for the same. Since the cost of treatment, post the accident is high, people prefer going in for a make-do treatment. Thereafter, they try to get back to ‘normal’ life and start earning money again. When people have a group accidental insurance policy, this is not the case. One can easily take care of the expenses that arise due to the accident and at the same time they need not worry about ‘earning money’ to make up for the amount lost.

There are group accidental insurance policies that are designed to enable people to get the right kind of insurance coverage that they need. These policies cover the individual for death, disability, and other kinds of problems that arise due to the insured meeting with an accident. Apollo Munich is one of the companies that provide insurance plans for covering a wide range of problems that the policy holder or his /her family may undergo after the insured faces an unexpected event in life.