Easy Health - apollomunichinsurance.com · Easy Health Prospectus

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w w w . a p o l l o m u n i c h i n s u r a n c e . c o m

UIN:IRDAI/HLT/AMHI/P-H/V.III/1R/2016-17

ProspectusEasy Health

Suitability:a) This policy covers persons in the age group 91 days to 65 years. The maximum entry age is restricted upto 65 years. The Minimum entry age for Adult Dependent:

is 18 years and Maximum entry age is 65 years

b) Child between 91 days and 5 years can be insured provided either parent is getting insured under this Policy.

c) There is no maximum cover ceasing age on renewals of the subject policy.

d) The policy will be issued for a period for 1 or 2 year(s) period, the sum insured & benefits will applicable on Policy Year basis.

e) This policy can be issued to an individual and/or family.

f) The family includes spouse, dependent children, dependent parents, parent-in-law, grandparents and grand children.

g) A maximum of 6 members can be added in a single policy ,whether on an Individual or Family floater basis.

h) In a family floater policy, a maximum of 2 adults and a maximum of 5 children can be included in a single policy. The 2 adults can be a combination of Self, Spouse, Father, Father-in-law, Mother or Mother- in-law.

i) In an individual policy, a maximum of 4 adults and a maximum of 5 children can be included in a single policy. The 4 adults can be a combination of Self, Spouse, Father, Father-in-law, Mother or Mother- in-law.

j) The policy offers option of covering on individual sum insured basis - Easy Health Individual Health Insurance Plan and on family floater basis - Easy Health Family Floater Insurance Plan.

k) In an individual policy, the Sum Insured of the dependent insured members should be equal to or less than the Sum Insured of the Primary Insured member. Incase where two or more children are covered, the Sum Insured for all the children must be same. Sum insured of all Dependent Parents and Dependent Parent in law must be same.

Note: Dependents means only the family members listed below:

• Your legally married spouse as long as she continues to be married to You;

• Your children/ Grandchildren Aged between 91 days and 25 years if they are unmarried and financially dependent with no independent source of income. Children Aged between 1 to 90 Days can be covered if Newborn Baby Benefit is added by payment of additional premium subject to policy terms and conditions.

• Your natural parents or parents that have legally adopted You, provided that the parent was below 65 years at his initial participation in the Easy Health Policy,

• Your Parent -in-law as long as Your spouse continues to be married to You and were below 65 years at his initial participation in the Easy Health Policy

• Your Grandparents provided that the grandparent were below 65 years at his initial participation in the Easy Health Policy,

All Dependent parents, Parent in laws, Grand Parents must be financially dependent on You.

Basic Sum Insured: The sum insured would Range from Rs. 1 Lac to Rs. 50 Lacs

Critical Illness Sum Insured would be 50% or 100% of the Sum Insured subject to a minimum of Rs 1 Lac and maximum of Rs 10 Lacs.

Salient Features & Benefits:

Section I. Inpatient Benefits

The following benefits are available to all Insured Persons who suffer an Illness or Accident during the Policy Period which requires Hospitalisation on an Inpatient basis or treatment defined as a Day Care Procedure or treatment defined as Domiciliary Treatment. Any claims made under these benefits will impact eligibility for Cumulative Bonus, and Health Checkup. For benefit limits, please refer to the schedule of benefit.

We will cover the Medical Expenses for:In addition to the waiting periods and general exclusions we will also not cover expenses

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a. In-Patient Treatment This includes• Hospital room rent or boarding;• Nursing;• Intensive Care Unit• Medical Practitioners (Fees)• Anaesthesia• Blood• Oxygen• Operation theatre• Surgical appliances;• Medicines, drugs & consumables;• Diagnostic procedures.

1. If as per any or all of the Medical references herein below containing guidelines and protocols for Evidence Based Medicines, the Hospitalisation for treatment under claim is not necessary or the stay at the hospital is found unduly long:

• Medical text books, • Standard treatment guidelines as stated in clinical establishment act of

Government of India, • World Health Organisation (WHO) protocols, • Published guidelines by healthcare providers,• Guidelines set by medical societies like cardiological society of India,

neurological society of India etc.

b. Pre-Hospitalization expenses for consultations, investigations and medicines incurred upto 60 days before the date of admission to the Hospitalisation ( In-patient or Day Care)

1. Claims which have NOT been admitted under Inpatient Treatment benefit and Day care Procedure benefit

2. Expenses not related to the admission and not incidental to the treatment for which the admission has taken place

c. Post-Hospitalization expenses for consultations, investigations and medicines incurred upto 90 days after discharge from Hospitalisation


2. Expenses not related to the admission and not incidental to the treatment for which the admission has taken place

Easy HealthProspectus

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d. Day Care Procedures Medical treatment or surgical procedure which is undertaken under general or local anaesthesia, which require admission in a Hospital/Day Care Centre for stay less than 24 hours. Treatment normally taken on out-patient basis is not included in the scope of this definition.

Indicative list of Day Care Procedures • Cancer Chemotherapy• Liver biopsy• Coronary angiography• Haemodialysis• Operation of cataract• Nasal sinus aspiration

1. Treatment that can be and is usually taken on an Out-Patient basis is not covered.2. Treatment NOT taken at a Hospital

e. Domiciliary TreatmentMedical treatment for an Illness/disease/injury which in the normal course would require care and treatment at a Hospital but is actually taken while confined at home under any of the following circumstances:

1. The condition of the Patient is such that he/she is not in a condition to be removed to a Hospital or,

2. The Patient takes treatment at home on account of non availability of room in a Hospital.

1. Treatment of less than 3 days (Coverage will be provided for expenses incurred in first three days however this benefit will be applicable only if treatment period is greater than 3 days)

2. Post-Hospitalisation expenses.

f. Organ Donor: Medical and surgical expenses of the organ donor for harvesting the organ where an Insured Person is the recipientImportant: Expenses incurred by an insured person while donating an organ is NOT covered.

1. Claims which have NOT been admitted under Inpatient Treatment benefit for insured person

2. Admission not compliant under the Transplantation of Human Organs Act, 1994 (as amended).

3. The organ donor’s Pre and Post-Hospitalisation expenses.

g. Ambulance Cover:Expenses incurred on transportation of Insured Person to a hospital for treatment in case of an emergency, subject to Rs. 2000 per Hospitalisation.


2. Healthcare or ambulance service provider not registered with road traffic authority.

h. Ayush Benefit Expenses incurred on treatment taken under Ayurveda, Unani,

Sidha and Homeopathy in a government hospital or in any institute recognized by government and/or accredited by Quality Council of India/National Accreditation Board on Health subject to amounts specified in the Schedule of Benefits

1. Claims which have NOT been admitted under In-patient treatment2. Hospitalisation for evaluation, Investigation only3. Treatment availed outside India4. Treatment at a healthcare facility which is NOT a Hospital.

i. Daily Cash for choosing shared Accommodation Daily cash amount will be payable per day as mentioned in

schedule of Benefits if the Insured Person is Hospitalised in Shared Accommodation in a Network Hospital for each continuous and completed period of 24 hours if the Hospitalisation exceeds 48 hours.

1. Daily Cash Benefit for time spent by the Insured Person in an intensive care unit2. Claims which have NOT been admitted under Inpatient Treatment Benefit.

Section II. Additional Benefits: The following benefits are available to all Insured Persons during the Policy Period. Any claims made under these benefits will be subject to In-patient Sum Insured and will impact eligibility for a Cumulative Bonus and Health Checkup These benefits are applicable based on the plan variant selected, as mentioned in the schedule of benefits.

2a. Daily Cash for Accompanying an Insured Child*#

If the Insured Person Hospitalised is a child Aged 12 years or less, daily cash amount will be payable as mentioned in schedule of Benefits for 1 accompanying adult for each complete period of 24 hours if Hospitalisation exceeds 72 hours.

1. Daily Cash Benefit for days of admission and discharge2. Claims which have NOT been admitted under Inpatient Treatment Benefit.


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b. Newborn baby *#

Medical Expenses for any medically necessary treatment described at Inpatient Treatment Benefit while the Insured Person (the Newborn baby) is Hospitalised during the Policy Period as an inpatient provided a proposal form is submitted for the insurance of the newborn baby within 90 days after the birth, and We have accepted the same and received the premium sought.

Under this benefit, Coverage for newborn baby will incept from the date, the premium has been received.

The coverage is subject to the policy exclusions, terms and conditions.

This Benefit is applicable if Maternity benefit is opted and We have accepted a maternity claim under this Policy.

1. Claims which have NOT been admitted under Maternity Expenses Benefit 2. Claims other than those available in Inpatient Treatment Benefit.

c. Recovery Benefit*#Lumpsum amount will be payable as mentioned in schedule of Benefits if the Insured Person is Hospitalised as an inpatient beyond 10 consecutive and continuous daysThis benefit is payable only once per Illness/Accident per Policy Year.

1. Claims which have NOT been admitted under Inpatient Treatment Benefit.

d. Emergency Air Ambulance CoverWe will pay for ambulance transportation in an airplane or helicopter subject to maximum limit prescribed in d(i) , for emergency life threatening health conditions which require immediate and rapid ambulance transportation to the hospital/medical centre that ground transportation cannot provide subject to:

• Necessary medical treatment not being available at the location where the Insured Person is situated at the time of Emergency;

• The Medical Evacuation been prescribed by a Medical Practitioner and is Medically Necessary;

• The insured person is in India and the treatment is required in India only and not overseas in any condition whatsoever; and

• The air ambulance provider being registered in India. d(i)The amount payable in case of Air ambulance facility shall be either the actual expenses or Rs. 2.5 Lacs per hospitalization, whichever is lower; upto basic sum insured limit for a year

1. Claims which have NOT been admitted under Inpatient Treatment or Day Care Procedures.

2. Expenses incurred in return transportation to the insured’s home by air ambulance is excluded.

Section III. Additional Benefit not related to Sum Insured: The following benefit is available to all Insured Persons during the Policy Period. Any claims made under these benefits will not be subject to In-patient Sum Insured and will not impact eligibility for a Cumulative Bonus and Health Checkup. These benefits are applicable based on the plan variant selected, as mentioned in the schedule of benefits.

3 a. Maternity Expenses*#i. Medical Expenses for a delivery (including caesarean section) as

mentioned in schedule of Benefits while Hospitalised or the lawful medical termination of pregnancy during the Policy Period limited to 2 deliveries or terminations or either during the lifetime of the Insured Person

ii. Medical Expenses for pre-natal and post-natal expenses per delivery or termination upto the amount stated in the Schedule of Benefits,

iii. Medical Expenses incurred for the medically necessary treatment of the new born baby upto the amount stated in the Schedule of Benefits unless the new born baby is covered under Newborn baby benefit, and

iv. The Insured Person must have been an Insured Person under Our Policy for the period of time specified in the Schedule of Benefits.

1. Pre- and post-hospitalisation expenses under Pre- hospitalisation and post-hospitalisation benefit.

2. Ectopic pregnancy under this benefit (although it shall be covered under Inpatient Treatment Benefit.

3. Claim for Dependents other than Insured Person’s spouse under this Policy.


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b. Outpatient Dental Treatment#Reasonable charges upto 50% of any necessary dental treatment taken from a Network dentist by an Insured Person who has been covered under this policy benefit for the previous 3 consecutive Policy Years and has renewed the policy in the fourth year, subject to amount specified in the Schedule of Benefits.We will pay for X-rays, extractions, amalgam or composite fillings, root canal treatments and prescribed drugs for the same

1. Any dental treatment that comprises cosmetic surgery, dentures, dental prosthesis, dental implants, orthodontics, orthognathic surgery, jaw alignment or treatment for the temporomandibular (jaw) joint, or upper and lower jaw bone surgery and surgery related to the temporomandibular (jaw) unless necessitated by an acute traumatic injury or cancer.

c. Spectacles, Contact Lenses, Hearing Aid#

Reasonable charges upto 50% of actual cost for One pair of spectacles or contact lenses, or a hearing aid, excluding batteries every third year provided that:

i. If the costs claimed are incurred as Outpatient Treatment expenses then these items must be prescribed by a Network EYE/ENT specialised Medical Practitioner, and

ii. Under a Family Floater, Our liability shall be limited to either one pair of spectacles or hearing aid per family.

Our maximum liability shall be limited to the amount specified in the Schedule of Benefits

d. E-Opinion in respect of a Critical Illness #

We shall arrange and pay for a second opinion from Our panel of Medical Practitioners, if:

• The Insured Person suffers a Critical Illness during the Policy Period; and

• He requests an E-opinion; and

The Insured Person can choose one of Our panel Medical Practitioners. The opinion will be directly sent to the Insured Person by the Medical Practitioner.

“Critical Illness” includes Cancer of Specified Severity, Open Chest CABG, Myocardial Infarction (First Heart Attack of specific severity), Kidney Failure requiring regular dialysis, Major Organ/Bone Marrow Transplant, Multiple Sclerosis with Persisting Symptoms, Permanent Paralysis of Limbs and Stroke resulting in permanent symptoms.

Note This benefit will be provided under “Premium” Variant even if Critical illness rider is not opted.

1. More than one claim for this benefit in a Policy Year.

2. More than one claim for the same Critical Illness.

Any other liability due to any errors or omission or representation or consequences of any action taken in reliance of the E-opinion provided by the Medical Practitioner

Note: *# Benefits are covered under “Exclusive” and “Premium” Variant only # Benefits are covered under “Premium” Variant only

Section IV. Critical IllnessAny claims made under this benefit will not be subject to In-patient Sum Insured and will not impact eligibility for a Cumulative Bonus and Health Checkup. This benefit is optional and effective only if mentioned in the Schedule.

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a. Critical Illness

We will pay the Critical Illness Sum Insured as a lump sum in addition to Our payment under Inpatient Treatment Benefit, provided that:

i. The Insured Person is first diagnosed as suffering from a Critical Illness during the Policy Period, and

ii. The Insured Person survives for at least 30 days following such diagnosis.

iii. “Critical Illness” includes Cancer of Specified Severity, Open Chest CABG, Myocardial Infarction (First Heart Attack of specific severity), Kidney Failure requiring regular dialysis, Major Organ/Bone Marrow Transplant, Multiple Sclerosis with Persisting Symptoms, Permanent Paralysis of Limbs and Stroke resulting in permanent symptoms.

Note: Critical Illness Rider is always provided on an individual basis irrespective of whether policy is issued on a individual or floater sum insured basis.

1. The Insured Person is first diagnosed as suffering from a Critical Illness within 90 days of the commencement of the Policy Period and the Insured Person has not previously been insured continuously and without interruption under an Easy Health Policy.

2. The Insured Person has already made a claim for the same Critical Illness. 3. A claim for this benefit has already been made 3 times under this Policy or any

other Easy Health policy issued by Us.


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Renewal Incentives: Cumulative Bonus:

• A 10% cumulative bonus will be applied on the Sum Insured for next policy year under the Policy after every CLAIM FREE Policy Year, provided that the Policy is renewed with Us and without a break. The maximum cumulative bonus shall not exceed 100% of the Sum Insured in any Policy Year.

• In relation to a Family Floater, the cumulative bonus so applied will only be available in respect of claims made by those Insured Persons who were Insured Persons in the claim free Policy Year and continue to be Insured Persons in the subsequent Policy Year.

• If a cumulative bonus has been applied and a claim is made, then in the subsequent Policy Year We will automatically decrease the cumulative bonus by 10% of the Sum Insured in that following Policy Year. There will be no impact on the Inpatient Sum Insured, only the accrued cumulative bonus will be decreased.

• If the Insured Persons in the expiring policy are covered on individual basis and thus have accumulated the no claim bonus for each member in the expiring policy, and such expiring policy is renewed with Us on a Family Floater basis, then the no claim bonus to be carried forward for credit in the Policy would be the least no claim bonus amongst all the Insured Persons.

• Portability benefit will be offered to the extent of sum of previous sum insured and accrued cumulative bonus (if opted for), portability benefit shall not apply to any other additional increased sum insured.

• In policies with a two year Policy Period, the application of above guidelines of Cumulative Bonus shall be post completion of each policy year.

Preventive Health Checkup

Plan Standard Exclusive Premium

Easy Health Individual

Upto 1% of Sum Insured per Insured Person, only once at the end of a block of every continuous four claim free years.

Upto 1% of Sum Insured subject to a Maximum of Rs.5,000 per Insured Person, only once at the end of a block of every continuous three policy years

Upto 1% of Sum Insured subject to a Maximum of Rs.5,000 per Insured Person, only once at the end of a block of every continuous two policy years

Easy Health Family

Upto 1% of Sum Insured per Policy, only once at the end of a block of every continuous four claim free years

Upto 1% of Sum Insured per Policy subject to a Maximum of Rs. 5,000 per Insured Person, only once at the end of a block of every continuous three policy years

Upto 1% of Sum Insured per Policy subject to a Maximum of Rs. 5,000 per Insured Person, only once at the end of a block of every continuous two policy years

Preventive Health Check-up means a package of medical test(s) undertaken for general assessment of health status, it does not include any diagnostic or investigative medical tests for evaluation of illness or a disease.

Note: If member has changed the plan in subsequent year and in the new plan the waiting period is less than previous plan then waiting period mentioned in the current plan would be applicable

Special terms and conditions:

Waiting Period

All Illnesses and treatments shall be covered subject to the waiting periods specified below:

i) We are not liable for any claim arising due to condition for which appearance of signs/symptoms, consultation, investigation, treatment or admission started within 30 days from policy commencement date except claims arising due to an accident

ii) A waiting period of 24 months from policy commencement date shall apply to the medical and surgical treatment of illness/diagnosis or surgical procedures mentioned in the following table. However this waiting period will not be applicable where the underlying cause is cancer(s).

Sl No Organ / Organ System Illness/diagnosis (irrespective of treatments medical or surgical)Surgeries/procedures ( irrespective of any illness/diagnosis other than cancers)

a Ear, Nose, Throat (ENT)• Sinusitis• Rhinitis• Tonsillitis

• Adenoidectomy• Mastoidectomy• Tonsillectomy• Tympanoplasty• Surgery for nasal septum deviation • Nasal concha resection• Surgery for Turbinate hypertrophy• Nasal polypectomy

b Gynaecological

• Cysts, polyps including breast lumps• Polycystic ovarian disease• Fibromyoma• Adenomyosis• Endometriosis • Prolapsed Uterus

• Hysterectomy


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c Orthopaedic

• Non infective arthritis• Gout and Rheumatism• Osteoporosis• Ligament, Tendon and Meniscal tear• Prolapsed inter vertebral disk

• Joint replacement surgeries

d Gastrointestinal

• Cholecystitis • Cholelithiasis• Pancreatitis• Fissure/fistula in anus, hemorrhoids, pilonidal sinus• Ulcer and erosion of stomach and duodenum• Gastro Esophageal Reflux Disorder (GERD)• All forms of cirrhosis(Please Note: All forms of cirrhosis due to alcohol will be excluded)• Perineal Abscesses• Perianal Abscesses• Rectal Prolapse

• Cholecystectomy

• Surgery of hernia

e Urogenital

• Calculus diseases of Urogenital system Example: Kidney stone, Urinary bladder stone.

• Benign Hyperplasia of prostate

• Varicocele

• Surgery on prostate

• Surgery for Hydrocele/ Rectocele

f Eye

• Cataract

• Retinal detachment

• Glaucoma

Nil

g Others Nil • Surgery of varicose veins and varicose ulcers

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General ( Applicable to all organ systems/organs/disciplines whether or not described above)

• Benign tumors of Non infectious etiologye.eg. cysts, nodules, polyps, skin tumors

• NIL

iii) 36 months waiting period from policy commencement date for all pre-existing conditions declared and/or accepted at the time of application.

Please Note: Coverage under the policy for any past illness/condition or surgery is subject to the same being declared at the time of application and accepted by Us without any exclusion.

Reduction in waiting periods:

A. Reduction in waiting periods

1) If the proposed Insured Person is presently covered and has been continuously covered without any lapses under:

(a) any health insurance plan with an Indian non life insurer as per guidelines on portability, OR

(b) any other similar health insurance plan from Us,

Then:

(a) The waiting periods specified in waiting period and exclusion section of the policy stands waived; AND:

(b) The waiting periods specified in the waiting period and exclusion section shall be reduced by the number of continuous preceding years of coverage of the Insured Person under the previous health insurance policy; AND

(c) If the proposed Sum Insured for a proposed Insured Person is more than the Sum Insured applicable under the previous health insurance policy, then the reduced waiting period shall only apply to the extent of the Sum Insured and any other accrued sum insured under the previous health insurance policy

2) The reduction in the waiting period specified above shall be applied subject to the following:

a) We will only apply the reduction of the waiting period if We have received the database and claim history related information as mandated under portability guidelines issued by insurance regulator from the previous Indian insurance company (if applicable);

b) We are under no obligation to insure all Insured Persons or to insure all Insured Persons on the proposed terms, or on the same terms as the previous health insurance policy even if You have submitted to Us all documentation and information.

c) We will retain the right to underwrite the proposal.

d) We shall consider only completed years of coverage for waiver of waiting periods. Policy extensions if any sought during or for the purpose of porting insurance policy shall not be considered for waiting period waiver

Easy Health

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Prospectus

General exclusions

We will not pay for any claim which is caused by, arising from or in any way attributable to:

i) War or similar situations: Treatment directly or indirectly arising from or consequent upon war or any act of war, invasion, act of foreign enemy, war like operations (whether war be declared or not or caused during service in the armed forces of any country), civil war, public defence, rebellion, revolution, insurrection, military or usurped acts, nuclear weapons/materials, chemical and biological weapons, radiation of any kind.

ii) Any Insured Person committing or attempting to commit a breach of law with criminal intent,

iii) Intentional self injury or attempted suicide while sane or insane.

iv) Dangerous acts (including sports): An Insured Person’s participation or involvement in naval, military or air force operation, racing, diving, aviation, scuba diving, parachuting, hang-gliding, rock or mountain climbing in a professional or semi professional nature.

v) Treatment of illness or injury as a consequence of the use of alcohol,tobacco,narcotic or psychotropic substances.

vi) Prosthetic and other devices which are self-detachable/removable without surgery involving anaesthesia

vii) Treatment availed outside India.Treatment at a healthcare facility that is not a Hospital

viii) Treatment of obesity and any weight control program.

ix) Treatment for correction of eye sight due to refractive error

x) Cosmetic, aesthetic and re-shaping treatments and surgeries:

a. Plastic surgery or cosmetic surgery or treatments to change appearance unless necessary as a part of medically necessary treatment certified by the attending Medical Practitioner for reconstruction following an Accident, cancer or burns.

b. Circumcisions (unless necessitated by Illness or injury and forming part of treatment); aesthetic or change-of-life treatments of any description such as sex transformation operations.

xi) Types of treatment, defined Illnesses/ conditions/ supplies:

a. Save as and to the extent provided for under Ayush Benefit Non allopathic treatment.

b. Conditions for which treatment could have been done on an OPD basis without any Hospitalization.

c. Charges related to peritoneal dialysis, including supplies

d. Admission primarily for administration of monoclonal antibodies or IV immunoglobulin infusion.Experimental, investigational or unproven treatment devices and pharmacological regimens.

e. Admission primarily for diagnostic and evaluation purposes only

f. Any diagnostic expenses which are not related to not incidental to any illness which is not covered in this policy

g. Convalescence, rest cure, sanatorium treatment, rehabilitation measures, respite care, long-term nursing care or custodial care, safe confinement ,de-addiction, general debility or exhaustion ( “run-down condition”)

h. Preventive care, vaccination including inoculation and immunisations (except in case of post-bite treatment); any physical, psychiatric or psychological examinations or testing.

i. Admission for enteral feedings (infusion formulas via a tube into the upper gastrointestinal tract) and other nutritional and electrolyte supplements

j. Provision or fitting of hearing aids,spectacles or contact lenses, including optometric therapy, any treatment and associated expenses for alopecia, baldness, wigs, or toupees, medical supplies including elastic stockings, diabetic test strips, and similar products.

k. Parkinson and Alzheimer’s disease.

l. Sleep - Apnoea

m. Congenital external diseases, defects or anomalies, genetic disorders.

n. Stem cell Therapy or surgery, or growth hormone therapy.

o. Venereal disease, sexually transmitted disease or illness;

p. “AIDS” (Acquired Immune Deficiency Syndrome) and/or infection with HIV (Human Immunodeficiency Virus) including but not limited to conditions related to or arising out of HIV/AIDS such as ARC (AIDS Related Complex), Lymphomas in brain, Kaposi’s sarcoma, tuberculosis.

q. Save as and to the extent provided under Maternity Benefit, Pregnancy (including voluntary termination), miscarriage (except as a result of an Accident or Illness), maternity or birth (including caesarean section) except in the case of ectopic pregnancy in relation to a claim under Inpatient Treatment Benefit for In-patient Treatment only.

r. Treatment for sterility, infertility (primary or secondary), assisted conception or other related conditions and complications arising out of the same

s. Birth control and similar procedures including complication arising out of the same.

t. Expenses incurred by the insured on organ donation.

u. Treatment and supplies for analysis and adjustments of spinal subluxation, diagnosis and treatment by manipulation of the skeletal structure; muscle stimulation by any means except treatment of fractures (excluding hairline fractures) and dislocations of the mandible and extremities.

v. Save as and to the extent provided under Outpatient Dental Treatment Benefit, dental treatment and surgery of any kind, unless requiring Hospitalisation

xii) Any non medical expenses mentioned in Annexure I

xiii) Healthcare providers (Hospitals /Medical Practitioners)

a. Any Medical Expenses incurred using facility of any Medical Practitioners or institution that We have told You (in writing) is not to be used at the time of renewal or at any specific time during the policy period.

b. Treatment rendered by a Medical Practitioner which is outside his discipline or the discipline for which he is licensed.

c. Treatments rendered by a Medical Practitioner who is a member of the Insured Person’s family or stays with him, however proven material costs are eligible for reimbursement in accordance with the applicable cover.

d. Charges related to a Hospital stay not expressly mentioned as being covered, including but not limited to charges for admission, discharge, administration, registration, documentation and filing.

Easy Healthw w w . a p o l l o m u n i c h i n s u r a n c e . c o m


Prospectus

xiv) Any treatment or part of a treatment that is not of a reasonable charge and not Medically Necessary. Drugs or treatments which are not supported by a prescription.

xv) Any specific time bound or lifetime exclusion(s) applied by Us and specified in the Schedule and accepted by the insured.

xvi) Admission for administration of Intra-articular or Intra-lesional injections, Monoclonal antibodies like Rituximab/Infliximab/Tratsuzumab, etc (Trade name Remicade, Rituxan, Herceptin, etc), Supplementary medications like Zolendronic acid (Trade name Zometa, Reclast, etc) or IV immunoglobulin infusion

Claim Procedure:

All claims under this policy will be processed and settled by Apollo Munich Health Insurance Company Limited. At network centres claims would be settled on cashless basis and on reimbursement basis in non network centers

a) Intimation & Assistance

Please contact Apollo Munich atleast 48 hrs prior to an event which might give rise to a claim. For any emergency situations, kindly contact Apollo Munich within 24 hours of the event.

b) Procedure for Reimbursement of Medical Expenses• Apollo Munich must be informed no later than 7 days of completion of such treatment, consultation or procedure using the Claim Intimation Form.

• Please send the duly signed claim form and all the information/documents mentioned therein to Apollo Munich 15 days of the occurrence of the Incident. The Company may accept claims where documents have been provided after a delayed interval only in special circumstances and for the reasons beyond the control of the insured

* Please refer to claim form for complete documentation.• If there is any deficiency in the documents/information submitted by you, Apollo Munich will send the deficiency letter within 7 days of receipt of the claim documents.

• On receipt of the complete set of claim documents, Apollo Munich will send admissible amount, along with a settlement statement within 30 days.

• The payment will be made in the name of the Policyholder.

Note: Payment will only be made for items covered under your policy and upto the limits therein.

c) Claim Procedure to avail Cashless facility• For any emergency Hospitalisation, Apollo Munich must be informed no later than 24 hours after hospitalization.

• For any planned hospitalization, kindly seek cashless authorization from Apollo Munich atleast 48 hours prior to the hospitalization.

• Apollo Munich will check your coverage as per the eligibility and send an authorization letter to the provider. In case there is any deficiency in the documents sent, the same shall be communicated to the hospital within 6 hours of receipt of documents.

• Please pay the non-medical and expenses not covered to the hospital prior to the discharge.

• In case the ailment /treatment is not covered under the policy a rejection letter would be sent to the provider within 6 hours.

Note: • Insured person is entitled for cashless coverage only in our empanelled hospitals.

• Please refer to the list of empanelled hospitals on our website or the list provided along with Policy kit or call us on our toll free number at 1800-102-0333.

• Rejection of cashless facility in no way indicates rejection of the claim.

Terms of Renewal:• We offer life-long renewal unless the Insured Person or any one acting on behalf of an Insured Person has acted in dishonest or fraudulent manner or any

misrepresentation under or in relation to this policy or the Policy poses a moral hazard then the Policy shall be cancelled ab-initio from the inception date or the renewal date (as the case may be). In case a claim is made under such Policy, it shall be rejected/repudiated and all benefits payable under such Policy shall be forfeited with respect to such claim.

• Grace Period - Grace Period of 30 days for renewing the Policy is provided under this Policy.

• Maximum Age - There is no maximum cover ceasing age on renewal in this policy.

• Waiting Period - The Waiting Periods mentioned in the policy wording will get reduced by 1 year on every continuous renewal of your Easy Health Insurance Policy.

• Renewal premium are subject to change with prior approval from IRDA. Any change in benefits or premium (other than due to change in Age) will be done with the approval of the Insurance Regulatory and Development Authority and will be intimated atleast 3 months in advance.

• In the likelihood of this policy being withdrawn in future, intimation will be sent to insured person about the same 3 months prior to expiry of the policy. Insured Person will have the option to migrate to similar indemnity health insurance policy available with us at the time of renewal with all the accrued continuity benefits such as cumulative bonus, waiver of waiting period etc. provided the policy has been maintained without a break.

• 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.

• Any Insured Person in the policy has the option to migrate to similar indemnity health insurance policy available with us at the time of renewal subject to underwriting with all the accrued continuity benefits such as cumulative bonus, waiver of waiting period etc. provided the policy has been maintained without a break.

Pre- Acceptance Medical Test:

• Pre-Policy Checkup at our network may be required based upon the age and Sum Insured. We will reimburse 100% of the expenses incurred per insured person on the acceptance of the proposal. The medical reports are valid for a period of 90 days from the date of Pre-Policy Checkup.


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Pre-policy check up Grid:

REST OF INDIA

Easy Health Grid With Critical Illness Rider

Age / Sum Insured (Rs in Lakhs) Upto 2 Lakh > 2 to 5 Lakh > 5 to 10 Lakh >10 Lakhs & upto 50 Lakhs

18-45 Nil Nil MER, FBS, ECG, TC, Sr creatinine MER, FBS, TMT, Lipids, Sr creatinine, LFT, Sr uric acid,

USG Abd

46-55 MER, FBS, ECG MER, FBS, TMT, Lipids, Sr creatinine

MER, FBS, TMT, Lipids, Sr creatinine, LFT, Sr uric acid, USG

Abd

MER, FBS, TMT, Lipids, Sr creatinine, LFT, Sr uric acid,

USG Abd

56-60 MER, FBS, ECG MER, FBS, TMT, Lipids, Sr creatinine, SGOT, Sr uric acid


Abd

MER, FBS, TMT, Lipids, Sr creatinine, LFT, Sr uric acid,

USG Abd

61-65

MER, FBS, ECG, 2D ECHO, Lipids, Sr

creatinine, LFT, Sr uric acid, USG Abd

MER, FBS, ECG, 2D ECHO, Lipids, Sr creatinine, LFT, Sr

uric acid, USG Abd

MER, FBS, ECG, 2D ECHO, Lipids, Sr creatinine, LFT, Sr uric acid, USG

Abd

MER, FBS, ECG, 2D ECHO, Lipids, Sr creatinine, LFT, Sr uric

acid, USG Abd

Easy Health Grid Without Critical Illness Rider

Age / Sum Insured (Rs in Lakhs) Upto 2 Lakhs > 2 to 5 Lakhs > 5 to 10 Lakhs >10 Lakhs & upto 50 Lakhs

18-45 Nil Nil Nil MER, FBS, TMT, Lipids, Sr creatinine, LFT, Sr uric acid, USG Abd

46-55 MER, FBS, ECG MER, FBS, ECG, TC, Sr creatinine MER, FBS, ECG, TC, Sr creatinine MER, FBS, TMT, Lipids, Sr creatinine,

LFT, Sr uric acid, USG Abd

56-60 MER, FBS, ECG MER, FBS, ECG, Lipids, Sr creatinine

MER, FBS, TMT, Lipids, Sr creatinine, LFT, Sr uric acid, USG Abd

MER, FBS, TMT, Lipids, Sr creatinine, LFT, Sr uric acid, USG Abd

61-65 MER, FBS, ECG, 2D ECHO, Lipids, Sr creatinine, LFT,

Sr uric acid, USG Abd)


uric acid, USG Abd


Abd

MER, FBS, ECG, 2D ECHO, Lipids, Sr creatinine, LFT, Sr uric acid, USG Abd

SOUTH REGION

Easy Health Grid With Critical Illness Rider

Age / Sum Insured (Rs in Lakhs) Upto 2 Lakh > 2 to 5 Lakh > 5 to 10 Lakh >10 Lakhs & upto 50 Lakhs

18-45 Nil Nil MER, FBS, ECG, TC, Sr creatinine MER, FBS, TMT, Lipids, Sr




Abd


Abd



Abd


Abd

56-60 MER, FBS, ECG MER, FBS, TMT, Lipids, Sr creatinine, SGOT, Sr uric acid


Abd


Abd

61-65




uric acid, USG Abd


Abd

MER, FBS, ECG, 2D ECHO, Lipids, Sr creatinine, LFT, Sr uric acid,

USG Abd

Easy HealthProspectus w w w . a p o l l o m u n i c h i n s u r a n c e . c o m


Easy Health Grid Without Critical Illness Rider

Age / Sum Insured (Rs in Lakhs) Upto 2 Lakhs > 2 to 5 Lakhs > 5 to 10 Lakhs >10 Lakhs & upto 50 Lakhs

18-45 Nil Nil NilMER, FBS, TMT, Lipids, Sr


46-50 Nil Nil MER, FBS, ECG, TC, Sr creatinine MER, FBS, TMT, Lipids, Sr


51-55 MER, FBS, ECG MER, FBS, ECG, TC, Sr creatinine MER, FBS, ECG, TC, Sr creatinine


Abd

56-60 MER, FBS, ECG MER, FBS, ECG, Lipids, Sr creatinine


Abd


Abd

61-65


creatinine, LFT, Sr uric acid, USG Abd)


uric acid, USG Abd

MER, FBS, ECG, 2D ECHO, Lipids, Sr creatinine, LFT, Sr uric acid,

USG Abd


Abd

ME = Medical Examination (Report), CBC = Complete Blood Count, ECG = Electro Cardio Gram, FBS = Fasting Blood Sugar, Lipids = Lipid Profile, Sr Creatinine = Serum Creatinine, TMT = Treadmill Test, USG = Ultrasonogram, , TC – Total Cholesterol, 2D ECHO= Two-Dimensional Echocardiogram, SGPT = Serum Glutamic Pyruvic Transaminase, LFT = Liver Function Test

Loadings:

• We may apply a risk loading on the premium payable (based upon the declarations made in the proposal form and the health status of the persons proposed for insurance). The maximum risk loading applicable for an individual shall not exceed above 100% per diagnosis / medical condition and an overall risk loading of over 150% per person. These loadings are applied from Commencement Date of the policy including subsequent renewal(s) with us or on the receipt of the request of increase in sum insured (for the increased Sum Insured).

For Example: Consider a male aged 35 who is undergoing treatment for hypertension.

Age Hypertension Treatment Systolic Diastolic loading

35 Yes Yes 110-145 70-95 10%

35 Yes Yes 146-160 70-95 20%

35 Yes Yes 110-140 96-105 20%

35 Yes Yes >160 Any Reject

35 Yes Yes Any >105 Reject

Please note that this example is for enumerative purposes only, the decisions may vary based on age, co morbidities etc.

• We will not apply any additional loading on your policy premium at renewal based on claim experience.

• We will inform you about the applicable risk loading through a counter offer letter. You need to revert to us with consent and additional premium (if any), within 7 days of the receipt of such counter offer letter. In case, you neither accept the counter offer nor revert to us within 7 days, we shall cancel your application and refund the premium paid within next 7 days.

• Please note that we will issue policy only after getting your consent and additional premium, if any.

• Please visit our nearest branch to refer our underwriting guidelines if required.

Premium Rates:• As per the enclosed sheet

• The premium under individual coverage will be charged on the completed age of the individual insured member.

• The premium under floater coverage will be charged on the completed age of the oldest insured member.

• Premium rates are subject to change with prior approval from IRDA.

• The premium for the policy will remain the same for the policy period as mentioned in the policy schedule.

• Please note that your premium at renewal may change due to a change in your age or changes in the applicable tax rate

Discounts: 1) Family Discount of 5% if 2 members are covered and 10% if 3 or more family members are covered under Easy Health Individual Health Insurance Plan

2) 7.5% Discount on premium if Insured Person is paying premium of 2 years in advance as a single premium. Examples

a. Proposed Insured Age 33 years opting for Easy Health Individual Standard 2 year policy with Sum Insured of Rs 2 Lac.

Calculation – 3213X 2 X 92.5% = Rs. 5944.05/- plus taxes.

b. Proposed Insured Age 35 years opting for Easy Health Individual Standard 2 year policy with Sum Insured of Rs 2 Lac.

Calculation – (3213+3636) X 92.5% = Rs. 6335.32/- plus taxes.Example for Family discount and 2 year advance premium discount

Proposed Insured aged 32 years opting for a 2 year Standard individual policy covering himself ,spouse and child for a sum insured of 5 Lacs each


11



Premium calculation

Insured person Age Sum Insured Premium ( ex tax)

Self 32 5 Lacs 6117Spouse 31 5 Lacs 6117Child 6 5 Lacs 5120Total premium ( ex tax) 173542 year discount of 7.5% 1302Premium after 2 year discount 1605210% family discount 1605Total premium payable ( ex tax) 14447

3) Stay Active - We will offer a discount at each renewal if the insured member achieves the average step count target on the mobile application provided by Us in the specified time interval ( calculated from the policy risk start date) as per the grid below. In an individual policy, the average step count would be calculated per adult member and in a floater policy it would be an average of all adult members covered. Dependent children covered either in individual or floater plan will not be considered for calculation of average steps.

This discount will be accrued at defined time intervals as given in table below. The discount will be cumulated and offered as discount on the renewal premium.

In individual policies the discount percentage (%) would be applied on premium applicable per insured member (Dependent Children are not eligible for this stay active discount in an individual policy) and in a floater policy it would be applied on premium applicable on policy.

The discount grid would be as per the table below:

1 Year Policy

Time Interval (calculated from policy risk start date)

Average Step Target

Risk start date or date of download of mobile application -

90 days

91-180 days

181 - 270 days

271- 300 days

Maximum Discount at the end of the year

5000 or below 0% 0% 0% 0% 0%

5001 to 8000 0.5% 0.5% 0.5% 0.5% 2%

8001 to 10000 1.25% 1.25% 1.25% 1.25% 5%

Above 10000 2% 2% 2% 2% 8%

The mobile app must be downloaded within 30 days of the policy risk start date to avail this benefit. The average step count completed by an Insured member would be tracked on this mobile application.

We reserve the right to remove or reduce any count of steps if found to be achieved in unfair manner by manipulation.

Illustration

Policy start date 1st Jan 2016

Policy Tenure 1 year

Time Interval

Risk start date or date of download of mobile application - 90 days 91 days-180 days 181 days-270 days 271- 300 days

Average steps taken in the defined time period 8500 10000 5001 7500

Discount %applicable 1.25% 1.25% 0.5% 0.5%

Total discount applicable on renewal premium = 3.5%

2 Year Policy

Time Interval (calculated from policy risk start date)

Average Step target

Risk start date or date of

download of mobile

application - 90 days

91-180 days

181-270 days

271-360 days

361-450 days

451-540 days

541-630 days

631-660 days

Max Discount

at the end of 2

years

5000 or

below0% 0% 0% 0% 0% 0% 0% 0% 0%

5001 to

80000.25% 0.25% 0.25% 0.25% 0.25% 0.25% 0.25% 0.25% 2%

8001 to 10000 0.625% 0.625% 0.625% 0.625% 0.625% 0.625% 0.625% 0.625% 5%

Above 10000 1% 1% 1% 1% 1% 1% 1% 1% 8%


12



Termination (Other than Free Look period)

You may terminate this Policy at any time by giving Us written notice, and the Policy shall terminate when such written notice is received. If no claim has been made under the Policy, then We will refund premium in accordance with the table below:

1 Year Policy 2 Year Policy

Length of time Policy in force Refund of premium Length of time Policy in force Refund of premium

Upto 1 Month 75.00% Upto 1 Month 87.50%

Upto 3 Months 50.00% Upto 3 Months 75.00%

Upto 6 Months 25.00% Upto 6 Months 62.50%

Exceeding 6 Months Nil Upto 12 Months 48.00%

Upto 15 Months 25.00%

Upto 18 Months 12.00%

Exceeding 18 Months Nil

We shall terminate this Policy for the reasons as specified under section Non Disclosure or Misrepresentation & Section Dishonest or Fraudulent Claims of this Policy and such termination of the Policy shall be ab initio from the inception date or the renewal date (as the case may be), upon 30 day notice, by sending an endorsement to Your address shown in the Schedule.

Portability: If you are insured continuously and without interruption under a health insurance policy issued by an Indian non life insurer and you want to shift to us on renewal, Easy Health policy offers you transfer of the accrued benefits and make due allowances for waiting periods as per guidelines on portability. If the Insured person transfers from any other insurer and enhances coverage then the portability benefits will be offered only in respect to the previous sum insured. The application for portability should be received by Us atleast 45 days before the policy renewal date of the existing policy.

Free Look Period:You have a period of 15 days from the date of receipt of the Policy document to review the terms and conditions of this Policy. If You have any objections to any of the terms and conditions, You have the option of canceling the Policy stating the reasons for cancellation and You shall be refunded the premium paid by You after adjusting the amounts spent on any medical check-up, stamp duty charges and proportionate risk premium. You can cancel your Policy only if You have not made any claims under the Policy. All Your rights under this Policy shall immediately stand extinguished on the free look cancellation of the Policy. Free look provision is not applicable and available at the time of renewal of the Policy.

Non-disclosure or MisrepresentationIf at the time of issuance of Policy or during continuation of the Policy, the information provided to Us in the proposal form or otherwise, by You or the Insured Person or anyone acting on behalf of You or an Insured Person is found to be incorrect, incomplete, suppressed or not disclosed, wilfully or otherwise, the Policy shall be:

• Cancelled ab initio from the inception date or the renewal date (as the case may be), or the Policy may be modified by Us, at our sole discretion, upon 30 day notice by sending an endorsement to Your address shown in the Schedule; and

• The claim under such Policy if any, shall be rejected/repudiated forthwith.

Dishonest or Fraudulent ClaimIf any claim is in any manner dishonest or fraudulent, or is supported by any dishonest or fraudulent means or devices, whether by You or the Insured Person or anyone acting on behalf of You or an Insured Person, then this Policy shall be:

• cancelled ab-initio from the inception date or the renewal date (as the case may be), or the Policy may be modified by Us, at our sole discretion, upon 30 day notice by sending an endorsement to Your address shown in the Schedule; and

• all benefits payable, if any, under such Policy shall be forfeited with respect to such claim

Payment Facility: • Online

• Cheque/ Cash/ Credit Card Payment

• Electronic Clearing System

Renewability

• There shall be no cover ceasing age on renewal.

Tax Benefit: • The premium amount paid under this policy qualifies for deduction under Section 80D of the Income Tax Act.

Requirement:

• Completed proposal form

IRDA REGULATION NO 5: This policy is subject to regulation 5 of IRDA (Protection of Policyholder’s Interests) Regulation.

Note: Policy Term and Conditions & Premium rates are subject to change with prior approval from IRDA.

Disclaimer:This is only a summary of the product features. The actual benefits available are as described in the policy, and will be subject to the policy terms, conditions and exclusions. Please seek the advice of your insurance advisor if you require any further information or clarification.



SCHEDULE OF BENEFITSEasy Health Individual

Standard Exclusive PremiumSum Insured per Insured Person per Policy Year (Rs. in Lakh)

1.00, 2.00, 3.00, 4.00, 5.00,7.5,10,15

3.00, 4.00, 5.00 7.50,10.0015.00, 20.00, 25.00, 50.00 3.00, 4.00, 5.00 7.50, 10.00

15.00, 20.00, 25.00, 50.00

1 a) In-patient Treatment

Covered Covered Covered

1 b) Pre - hospitalisation


1 c) Post-hospitalisation


1 d) Day Care Procedures


1 e) Domiciliary Treatment


1 f) Organ Donor Covered Covered Covered

1 g) Ambulance Cover

Upto Rs. 2000 per hospitalisation

Upto Rs. 2000 per hospitalisation Upto Rs. 2000 per hospitalisation

1 h) Ayush Benefit

Upto Rs. 20,000

Upto Rs. 25,000 Upto Rs. 50,000 Upto Rs. 25,000 Upto Rs. 50,000

1 i) Daily Cash for choosing Shared Accommodation

Rs.500 per day, Maximum Rs.3,000

Rs.500 per day,Maximum Rs.3,000






2 a) Daily Cash for accompanying an insured child

Not CoveredRs.300 per day,Maximum Rs.9,000






2 b) Newborn baby

Not Covered Additional Benefit on payment of additional premium Additional Benefit on payment of additional premium

2 c) Recovery Benefit

Not Covered Not Covered Rs. 10,000 Not Covered Rs. 10,000

2 d) Emergency Air Ambulance

Not Covered Not CoveredUpto Rs.2.5 Lacs per hospitalisation

Not CoveredUpto Rs.2.5 Lacs per hospitalisation

3 a) Maternity Expenses

Not Covered

Normal Delivery Rs. 15,000* Caesarean Delivery Rs. 25,000*(* Including Pre/Post Natal limit of Rs.1,500 and New Born limit of Rs.2,000) [Waiting Period of 6 years]

Normal Delivery Rs. 25,000* Caesarean Delivery Rs. 40,000*(* Including Pre/Post Natal limit of Rs. 2,500 and New Born limit of Rs.3,500) [Waiting Period of 6 years]

Normal Delivery Rs. 30,000* Caesarean Delivery Rs. 50,000* (* Including Pre/Post Natal limit of Rs. 5,000 and New Born limit of Rs.5,000) [Waiting Period of 4 Years]

Normal Delivery Rs. 15,000* Caesarean Delivery Rs. 25,000* (* Including Pre/Post Natal limit of Rs.1,500 and New Born limit of Rs.2,000) [Waiting Period of 6 years]

Normal Delivery Rs. 25,000* Caesarean Delivery Rs. 40,000*(* Including Pre/Post Natal limit of Rs. 2,500 and New Born limit of Rs.3,500) [Waiting Period of 6 years]

Normal Delivery Rs. 30,000* Caesarean Delivery Rs. 50,000*(* Including Pre/Post Natal limit of Rs. 5,000 and New Born limit of Rs.5,000)[Waiting Period of 4 Years]

3 b) Outpatient Dental TreatmentWaiting Period 3 years

Not Covered Not CoveredUpto 1 % of Sum insured subject to aMaximum of Rs. 5,000

Upto 1 % of Sum insured subject to aMaximum of Rs. 7,500

3 c) Spectacles, Contact Lenses, Hearing AidEvery Third Year

Not Covered Not Covered Upto Rs. 5,000Upto Rs. 7500

3 d) E-Opinion in respect of a Critical Illness

Not Covered Not Covered Covered

4 Critical Illness Rider

Optional, if opted then the Critical Illness Sum Insured 50% or 100% of In-patient Sum Insured subject to minimum of Rs. 1Lakh, and maximum of Rs. 10 Lakh

Optional, if opted then the Critical Illness Sum Insured 50% or 100% of In-patient Sum Insured

Optional, if opted then the Critical Illness Sum Insured 50% or 100% of In-patient Sum Insured upto a maximum of Rs. 10 Lacs


Optional, if opted then the Critical Illness Sum Insured 50% or 100% of In-patient Sum Insured upto a maximum of Rs. 10 Lacs

5 Health Checkup

Upto 1% of Sum Insured per Insured Person, only once at the end of a block of every continuous four claim free years.

Upto 1% of Sum Insured subject to a Maximum of Rs. 5,000 per Insured Person, only once at the end of a block of every continuous three policy years

Upto 1% of Sum Insured subject to a Maximum of Rs. 5,000 per Insured Person, only once at the end of a block of every continuous two policy years

Benefits under 3b), 3c), 3d) and 5) are subject to pre-authorisation by the Apollo Munich



SCHEDULE OF BENEFITSEasy Health Family

Standard Exclusive PremiumSum Insured per Policy per Policy Year (Rs. in Lakh)

2.00, 3.00, 4.00, 5.00, 7.50, 10.00, 15.00

3.00, 4.00, 5.00 7.50,10.0015.00,20.00, 25.00, 50.00

4.00, 5.00 7.50, 10.00 15.00,20.00, 25.00, 50.00

1 a) In-patient Treatment


1 b) Pre -hospitalisation


1 c) Post -hospitalisation


1 d) Day Care Procedures


1 e) Domiciliary Treatment


1 f) Organ Donor Covered Covered Covered

1 g) Ambulance Cover

Upto Rs.2000 per hospitalisation

Upto Rs.2000 per hospitalisation Upto Rs.2000 per hospitalisation

1 h) Ayush Benefit Upto Rs 20,000 Upto Rs 25,000 Upto Rs 50,000 Upto Rs 25,000 Upto Rs 50,000

1 i) Daily Cash for choosing Shared Accommodation








2 a) Daily Cash for accompanying an insured child

Not CoveredRs.300 per day, Maximum Rs.9,000






2 b) Newborn baby Not Covered Additional Benefit on payment of additional premium Additional Benefit on payment of additional premium

2 c) Recovery Benefit Not Covered Not Covered Rs 10,000 Not Covered Rs 10,000

2 d) Emergency Air Ambulance

Not Covered Not CoveredUpto Rs.2.5 Lacs per hospitalisation

Not CoveredUpto Rs.2.5 Lacs per hospitalisation

3 a) Maternity Expenses Not Covered

Normal Delivery Rs. 15,000* Caesarean Delivery Rs. 25,000* (*Including Pre/Post Natal limit of Rs.1,500 and New Born limit of Rs.2,000) [Waiting Period 4 years]

Normal Delivery Rs. 25,000* Caesarean Delivery Rs. 40,000* (*Including Pre/Post Natal limit of Rs. 2,500 and New Born limit of Rs.3,500) [Waiting Period 4 years]

Normal Delivery Rs. 30,000* Caesarean Delivery Rs. 50,000* (*Including Pre/Post Natal limit of Rs. 5,000 and New Born limit of Rs.5,000) [Waiting Period of 3 Years]

Normal Delivery Rs. 15,000* Caesarean Delivery Rs. 25,000* (*Including Pre/Post Natal limit of Rs.1,500 and New Born limit of Rs.2,000) [Waiting Period 4 years]

Normal Delivery Rs. 25,000* Caesarean Delivery Rs. 40,000* (*Including Pre/Post Natal limit of Rs. 2,500 and New Born limit of Rs.3,500) [Waiting Period 4 years]

Normal Delivery Rs. 30,000* Caesarean Delivery Rs. 50,000* (*Including Pre/Post Natal limit of Rs. 5,000 and New Born limit of Rs.5,000) [Waiting Period of 3 Years]

3 b) Outpatient Dental Treatment Waiting Period 3 years

Not Covered Not CoveredUpto 1 % of Sum insured subject to a Maximum of Rs.5,000

Upto 1 % of Sum insured subject to a Maximum of Rs. 10,000

3 c) Spectacles, Contact Lenses, Hearing Aid Every Third Year

Not Covered Not Covered Upto Rs.5,000 Upto Rs. 10,000

3 d) E-Opinion in respect of a Critical Illness

Not Covered Not Covered Covered

4 Critical Illness Rider

Optional, if opted then the Critical Illness Sum Insured 50% or 100% of In-patient Sum Insured subject to minimum of Rs. 1Lakh, and maximum of Rs. 10 Lakh


Optional, if opted then the Critical Illness Sum Insured 50% or 100% of In-patient Sum Insured upto a maximum of Rs 10 Lacs


Optional, if opted then the Critical Illness Sum Insured 50% or 100% of In-patient Sum Insured upto a maximum of Rs 10 Lacs

5 Health Checkup

Upto 1% of Sum Insured per Policy, only once at the end of a block of every continuous four claim free years

Upto 1% of Sum Insured per Policy subject to a Maximum of Rs. 5,000 per Insured Person, only once at the end of a block of every continuous three policy years.

Upto 1% of Sum Insured per Policy subject to a Maximum of Rs. 5,000 per Insured Person, only once at the end of a block of every continuous two policy years.

Benefits under 3b), 3c), 3d) and 5) are subject to pre-authorisation by the Apollo Munich

Easy Health

15



INDI

VIDU

AL

Age Band 1 Lakh 2 Lakhs 3 Lakhs 4 Lakhs 5 Lakhs 7.5 Lakhs 10 Lakhs 15 Lakhs

91 days -17 2,576 3,550 4,101 4,794 5,120 5,551 5,903 7,075

18-35 3,184 4,241 4,900 5,727 6,117 7,234 8,147 9,765

36-45 4,098 4,799 5,545 6,481 6,923 8,287 9,404 11,271

46-50 5,898 7,021 8,111 9,480 10,127 12,253 13,992 16,771

51-55 7,237 8,876 10,255 11,987 12,804 15,620 17,924 21,483

56-60 8,221 11,459 13,239 15,474 16,529 20,366 23,505 28,173

61-65 11,416 15,913 18,385 21,489 22,954 28,565 33,156 39,740

66-70* 15,752 21,958 25,368 29,651 31,673 39,595 46,077 55,228

71-75* 19,030 26,528 30,647 35,822 38,264 48,140 56,220 67,386

76-80* 22,836 31,833 36,777 42,987 45,917 58,178 68,210 81,757

>80* 26,262 36,608 42,293 49,435 52,804 67,788 80,048 95,946

PREMIUM RATESGross Premium (excluding Taxes and applicable cess)Annual Premium for National Capital Region and Mumbai Metropolitan Region

STANDARD

FLOA

TER(

1A+1C

)

18-35 5,647 6,321 7,388 7,891 9,158 10,194 12,218

36-45 6,092 6,851 8,008 8,554 10,056 11,284 13,525

46-50 8,426 9,532 11,141 11,901 14,176 16,037 19,221

51-55 10,396 11,791 13,782 14,721 17,698 20,133 24,132

56-60 13,007 14,804 17,303 18,483 22,483 25,757 30,872

61-65 17,461 19,950 23,318 24,907 30,682 35,407 42,439

66-70* 23,506 26,933 31,480 33,626 41,713 48,329 57,927

71-75* 28,075 32,212 37,651 40,217 50,257 58,472 70,085

76-80* 33,381 38,341 44,815 47,870 60,296 70,462 84,456

>80* 38,156 43,858 51,263 54,758 69,906 82,300 98,645

FLOATER

Rate Card

FLOA

TER(

1A+2

C)

18-35 7,404 8,148 9,523 10,173 11,630 12,822 15,369

36-45 7,707 8,530 9,971 10,650 12,328 13,700 16,421

46-50 10,183 11,359 13,277 14,182 16,648 18,666 22,374

51-55 12,295 13,766 16,090 17,187 20,371 22,977 27,540

56-60 14,942 16,815 19,655 20,994 25,206 28,652 34,341

61-65 19,396 21,961 25,669 27,419 33,404 38,302 45,908

66-70* 25,440 28,944 33,832 36,138 44,435 51,224 61,397

71-75* 30,010 34,224 40,002 42,729 52,980 61,367 73,555

76-80* 35,315 40,353 47,167 50,382 63,018 73,356 87,925

>80* 40,090 45,870 53,615 57,269 72,629 85,196 102,116

Age Band 2 Lakhs 3 Lakhs 4 Lakhs 5 Lakhs 7.5 Lakhs 10 Lakhs 15 Lakhs


A=Adult C=Child *Premium rates only for renewal

Easy Health

16



FLOA

TER(

1A+3

C)

18-35 9,513 9,764 10,710 11,440 13,079 14,420 17,284

36-45 9,645 10,084 11,061 11,815 13,676 15,199 18,217

46-50 12,292 13,185 14,463 15,449 18,136 20,334 24,373

51-55 14,574 15,837 17,372 18,556 21,995 24,808 29,735

56-60 17,263 19,109 20,961 22,390 26,881 30,556 36,624

61-65 21,718 24,592 26,976 28,814 35,104 40,251 48,244

66-70* 27,762 32,033 35,138 37,533 46,151 53,201 63,767

71-75* 32,332 37,659 41,309 44,124 54,710 63,371 75,957

76-80* 37,637 44,190 48,473 51,777 64,763 75,388 90,360

>80* 42,412 50,068 54,921 58,665 74,399 87,272 104,604

FLOA

TER

(2A+

0C)

18-35 6,446 6,859 8,018 8,564 10,127 11,406 13,672

36-45 7,774 8,188 9,571 10,223 12,220 13,854 16,606

46-50 11,002 11,649 13,616 14,544 17,581 20,066 24,051

51-55 13,862 14,686 17,165 18,335 22,340 25,616 30,703

56-60 17,636 18,728 21,890 23,382 28,754 33,149 39,732

61-65 23,605 25,221 29,479 31,489 39,092 45,313 54,313

66-70* 32,508 34,744 40,611 43,379 54,160 62,981 75,490

71-75* 40,608 43,161 50,449 53,888 67,688 78,980 94,666

76-80* 49,172 52,186 60,997 65,155 82,398 96,506 115,672

>80* 57,231 60,620 70,856 75,686 96,835 114,138 136,806

FLOA

TER(

2A+1C

)

18-35 7,852 8,280 9,679 10,338 12,051 13,452 16,123

36-45 9,066 9,494 11,097 11,854 13,988 15,735 18,860

46-50 12,407 13,070 15,277 16,318 19,504 22,111 26,503

51-55 15,381 16,221 18,960 20,253 24,418 27,825 33,352

56-60 19,183 20,293 23,719 25,336 30,871 35,401 42,431

61-65 25,153 26,785 31,308 33,442 41,210 47,565 57,012

66-70* 34,056 36,309 42,440 45,332 56,278 65,233 78,189

71-75* 42,156 44,726 52,278 55,841 69,806 81,232 97,365

76-80* 50,719 53,750 62,826 67,108 84,515 98,757 118,370

>80* 58,778 62,185 72,685 77,640 98,952 116,389 139,506

FLOA

TER(

2A+2

C)

18-35 9,609 10,108 11,814 12,619 14,524 16,082 19,276

36-45 10,681 11,174 13,061 13,951 16,261 18,150 21,756

46-50 14,165 14,897 17,412 18,599 21,977 24,740 29,654

51-55 17,280 18,196 21,269 22,718 27,091 30,669 36,759

56-60 21,118 22,304 26,070 27,847 33,593 38,294 45,900

61-65 27,088 28,797 33,659 35,954 43,933 50,461 60,483

66-70* 35,991 38,320 44,791 47,844 59,001 68,129 81,660

71-75* 44,091 46,737 54,629 58,353 72,529 84,128 100,836

76-80* 52,654 55,762 65,177 69,620 87,237 101,651 121,840

>80* 60,713 64,197 75,036 80,151 101,675 119,285 142,976

Rate Card






Easy Health

17



FLOA

TER

(2A+

3C)

18-35 11,718 12,341 14,424 15,408 17,546 19,296 23,127

36-45 12,619 13,226 15,460 16,514 19,039 21,105 25,296

46-50 16,273 17,130 20,023 21,387 24,999 27,954 33,507

51-55 19,559 20,610 24,090 25,732 30,357 34,142 40,922

56-60 23,440 24,763 28,944 30,917 36,921 41,833 50,142

61-65 29,409 31,256 36,533 39,023 47,261 54,000 64,725

66-70* 38,312 40,779 47,665 50,914 62,328 71,667 85,899

71-75* 46,413 49,196 57,503 61,422 75,856 87,666 105,076

76-80* 54,976 58,220 68,051 72,690 90,565 105,190 126,081

>80* 63,035 66,655 77,910 83,221 105,003 122,824 147,218

1,615 1,866 2,181 2,330 2,755 3,103 3,719

EXCLUSIVE

INDI

VIDU

AL

91 days -17 4,397 5,225 6,139 6,384 7,408 8,359 9,251 10,044 12,951

18-35 5,253 6,242 7,335 8,813 10,226 11,538 12,769 13,864 17,877

36-45 5,945 7,064 8,300 10,172 11,803 13,317 14,738 16,002 20,634

46-50 8,696 10,334 12,142 15,134 17,560 19,814 21,928 23,808 30,699

51-55 10,995 13,065 15,352 19,388 22,496 25,382 28,091 30,499 39,328

56-60 14,194 16,867 19,819 25,425 29,501 33,286 36,839 39,996 51,574

61-65 19,711 23,423 27,522 35,863 41,613 46,952 51,963 56,417 72,748

66-70* 27,198 32,320 37,975 49,841 57,832 65,252 72,216 78,406 101,102

71-75* 32,858 39,046 45,878 60,812 70,562 79,616 88,113 95,665 123,358

76-80* 39,430 46,855 55,054 73,781 85,610 96,595 106,904 116,067 149,665

>80* 45,344 53,884 63,312 86,587 100,469 113,361 125,458 136,212 175,642

FLOA

TER

(1A+1C

)

18-35 6,777 8,053 9,462 11,025 12,793 14,434 15,975 17,344 22,365

36-45 7,345 8,729 10,256 12,205 14,162 15,979 17,685 19,200 24,758

46-50 10,219 12,144 14,269 17,346 20,127 22,710 25,134 27,288 35,187

51-55 12,641 15,022 17,651 21,778 25,270 28,513 31,556 34,260 44,178

56-60 15,871 18,861 22,161 27,860 32,327 36,475 40,368 43,828 56,515

61-65 21,388 25,417 29,864 38,298 44,439 50,141 55,492 60,248 77,688

66-70* 28,875 34,313 40,318 52,276 60,658 68,441 75,745 82,237 106,043

71-75* 34,535 41,040 48,221 63,248 73,388 82,805 91,642 99,497 128,298

76-80* 41,107 48,849 57,396 76,217 88,436 99,784 110,433 119,898 154,606

>80* 47,021 55,877 65,655 89,022 103,295 116,549 128,988 140,044 180,583

FLOATER


Rate Card

Age Band 3 Lakhs 4 Lakhs 5 Lakhs 7.5 Lakhs 10 Lakhs 15 Lakhs 20 Lakhs 25 Lakhs 50 Lakhs



Additional Children

Easy Health

18



FLOA

TER

(1A+2

C)

18-35 8,735 10,381 12,197 13,870 16,093 18,158 20,096 21,819 28,134

36-45 9,146 10,868 12,770 14,820 17,196 19,402 21,473 23,313 30,062

46-50 12,178 14,472 17,004 20,191 23,428 26,434 29,255 31,762 40,957

51-55 14,759 17,538 20,607 24,853 28,837 32,537 36,010 39,096 50,414

56-60 18,028 21,423 25,172 30,992 35,961 40,575 44,905 48,754 62,867

61-65 23,545 27,980 32,875 41,430 48,072 54,241 60,029 65,175 84,041

66-70* 31,032 36,876 43,329 55,408 64,291 72,541 80,282 87,164 112,395

71-75* 36,692 43,603 51,232 66,379 77,022 86,905 96,179 104,423 134,651

76-80* 43,264 51,412 60,408 79,348 92,070 103,884 114,970 124,825 160,958

>80* 49,178 58,440 68,666 92,154 106,929 120,649 133,525 144,970 186,935

FLOA

TER

(1A+3

C)

18-35 9,824 11,674 13,716 15,450 17,927 20,227 22,386 24,304 31,340

36-45 10,146 12,057 14,167 16,272 18,881 21,304 23,577 25,598 33,008

46-50 13,267 15,765 18,524 21,771 25,261 28,503 31,544 34,248 44,162

51-55 15,935 18,936 22,249 26,560 30,819 34,773 38,484 41,783 53,878

56-60 19,226 22,847 26,845 32,732 37,979 42,853 47,426 51,491 66,396

61-65 24,743 29,403 34,548 43,170 50,091 56,518 62,550 67,911 87,570

66-70* 32,230 38,300 45,002 57,148 66,310 74,819 82,803 89,901 115,924

71-75* 37,890 45,026 52,905 68,119 79,041 89,183 98,700 107,160 138,180

76-80* 44,462 52,836 62,081 81,088 94,089 106,162 117,491 127,562 164,488

>80* 50,376 59,864 70,339 93,894 108,948 122,927 136,046 147,707 190,464

FLOA

TER(

2A+0

C)

18-35 7,354 8,739 10,268 12,338 14,316 16,153 17,877 19,410 25,028

36-45 8,779 10,432 12,257 14,986 17,389 19,620 21,714 23,575 30,399

46-50 12,489 14,841 17,438 21,705 25,185 28,416 31,449 34,144 44,028

51-55 15,745 18,710 21,984 27,708 32,150 36,276 40,147 43,588 56,206

56-60 20,079 23,860 28,035 35,856 41,605 46,943 51,953 56,406 72,734

61-65 27,040 32,132 37,755 49,015 56,874 64,171 71,020 77,107 99,427

66-70* 37,250 44,266 52,011 68,126 79,049 89,192 98,710 107,171 138,194

71-75* 46,274 54,989 64,611 85,432 99,129 111,848 123,785 134,395 173,299

76-80* 55,950 66,487 78,121 104,387 121,123 136,665 151,249 164,214 211,749

>80* 64,993 77,233 90,748 123,461 143,255 161,637 178,887 194,220 250,441

FLOA

TER(

2A+1C

)

18-35 8,878 10,550 12,396 14,550 16,883 19,050 21,083 22,890 29,516

36-45 10,179 12,096 14,213 17,019 19,748 22,282 24,660 26,774 34,524

46-50 14,013 16,652 19,565 23,917 27,752 31,312 34,654 37,624 48,516

51-55 17,392 20,667 24,283 30,099 34,925 39,406 43,612 47,350 61,056

56-60 21,756 25,854 30,377 38,291 44,431 50,132 55,482 60,237 77,675

61-65 28,717 34,126 40,097 51,451 59,700 67,360 74,549 80,939 104,368

66-70* 38,928 46,259 54,354 70,562 81,875 92,380 102,239 111,002 143,135

71-75* 47,952 56,983 66,953 87,867 101,955 115,037 127,314 138,227 178,240

76-80* 57,627 68,480 80,463 106,822 123,949 139,853 154,779 168,045 216,690

>80* 66,671 79,227 93,090 125,896 146,082 164,826 182,416 198,051 255,382


Rate Card





Easy Health

19



FLOA

TER(

2A+2

C)

18-35 10,837 12,877 15,131 17,395 20,184 22,773 25,204 27,364 35,285

36-45 11,980 14,236 16,727 19,634 22,782 25,705 28,448 30,887 39,827

46-50 15,972 18,980 22,301 26,761 31,052 35,036 38,775 42,099 54,285

51-55 19,509 23,183 27,239 33,173 38,492 43,431 48,066 52,186 67,292

56-60 23,913 28,417 33,389 41,423 48,064 54,232 60,019 65,164 84,027

61-65 30,874 36,689 43,108 54,582 63,334 71,460 79,086 85,865 110,721

66-70* 41,085 48,822 57,365 73,693 85,508 96,480 106,777 115,929 149,487

71-75* 50,108 59,546 69,965 90,999 105,589 119,137 131,851 143,153 184,592

76-80* 59,784 71,043 83,474 109,954 127,583 143,953 159,316 172,972 223,042

>80* 68,827 81,790 96,101 129,028 149,715 168,926 186,953 202,978 261,735

FLOA

TER(

2A+3

C)

18-35 13,231 15,723 18,474 20,871 24,217 27,325 30,241 32,833 42,337

36-45 14,180 16,851 19,800 22,829 26,490 29,888 33,078 35,913 46,309

46-50 18,366 21,825 25,643 30,238 35,086 39,587 43,812 47,568 61,337

51-55 22,096 26,258 30,852 36,930 42,851 48,350 53,510 58,096 74,914

56-60 26,549 31,549 37,069 45,251 52,506 59,243 65,565 71,185 91,791

61-65 33,510 39,821 46,789 58,410 67,775 76,471 84,632 91,886 118,485

66-70* 43,721 51,955 61,046 77,521 89,950 101,491 112,322 121,950 157,251

71-75* 52,744 62,678 73,645 94,826 110,030 124,148 137,397 149,174 192,356

76-80* 62,420 74,176 87,155 113,781 132,024 148,964 164,862 178,993 230,807

>80* 71,463 84,922 99,782 132,856 154,156 173,937 192,499 208,999 269,499

Additional Children

2,001 2,377 2,793 2,905 3,371 3,803 4,209 4,570 5,893

INDI

VIDU

AL

91 days -17 6,471 7,604 7,907 9,175 10,077 10,969 11,762 14,669

18-35 7,731 9,084 10,915 12,665 13,910 15,141 16,235 20,249

36-45 8,749 10,280 12,598 14,618 16,054 17,475 18,739 23,371

46-50 12,798 15,038 18,744 21,749 23,886 26,001 27,880 34,772

51-55 16,182 19,013 24,012 27,862 30,599 33,308 35,716 44,545

56-60 20,891 24,546 31,489 36,538 40,128 43,680 46,838 58,415

61-65 29,010 34,087 44,417 51,538 56,602 61,613 66,067 82,398

66-70* 40,029 47,034 61,729 71,626 78,664 85,627 91,817 114,514

71-75* 48,360 56,822 75,318 87,393 95,980 104,476 112,029 139,721

76-80* 58,032 68,186 91,380 106,031 116,449 126,757 135,920 169,519

>80* 66,737 78,414 107,240 124,434 136,660 148,758 159,511 198,941

PREMIUM

Rate Card



Age Band 4 Lakhs 5 Lakhs 7.5 Lakhs 10 Lakhs 15 Lakhs 20 Lakhs 25 Lakhs 50 Lakhs


Easy Health

20



FLOA

TER

(1A+1C

)

18-35 9,974 11,719 13,655 15,844 17,401 18,942 20,311 25,332

36-45 10,811 12,702 15,117 17,540 19,264 20,969 22,485 28,043

46-50 15,041 17,673 21,484 24,928 27,378 29,801 31,956 39,855

51-55 18,605 21,861 26,973 31,298 34,373 37,416 40,121 50,038

56-60 23,359 27,447 34,506 40,038 43,972 47,865 51,325 64,012

61-65 31,479 36,988 47,434 55,039 60,446 65,797 70,554 87,994

66-70* 42,498 49,935 64,746 75,127 82,508 89,812 96,304 120,110

71-75* 50,829 59,723 78,334 90,894 99,824 108,661 116,516 145,318

76-80* 60,501 71,087 94,397 109,531 120,293 130,942 140,407 175,115

>80* 69,206 81,315 110,257 127,935 140,504 152,942 163,998 204,537

FLOA

TER

(1A+2

C)

18-35 12,857 15,106 17,178 19,932 21,890 23,828 25,551 31,867

36-45 13,461 15,816 18,355 21,297 23,390 25,461 27,301 34,050

46-50 17,924 21,060 25,007 29,016 31,867 34,688 37,195 46,390

51-55 21,721 25,522 30,781 35,716 39,225 42,697 45,784 57,101

56-60 26,534 31,176 38,384 44,539 48,915 53,245 57,094 71,207

61-65* 34,654 40,717 51,312 59,539 65,389 71,178 76,323 95,189

66-70* 45,673 53,664 68,624 79,627 87,450 95,192 102,073 127,305

71-75* 54,003 63,453 82,213 95,394 104,767 114,041 122,285 152,513

76-80* 63,675 74,817 98,275 114,032 125,235 136,322 146,176 182,310

>80* 72,380 85,045 114,136 132,435 145,447 158,323 169,768 211,733

FLOA

TER

(2A+

0C)

18-35 10,824 12,718 15,281 17,731 19,473 21,197 22,730 28,348

36-45 12,920 15,181 18,561 21,536 23,652 25,746 27,607 34,432

46-50 18,381 21,598 26,882 31,192 34,257 37,289 39,985 49,869

51-55 23,173 27,228 34,317 39,819 43,732 47,603 51,044 63,662

56-60 29,552 34,723 44,409 51,529 56,591 61,601 66,054 82,382

61-65 39,797 46,760 60,707 70,440 77,361 84,209 90,296 112,617

66-70* 54,825 64,418 84,376 97,904 107,523 117,042 125,503 156,526

71-75* 68,106 80,023 105,810 122,774 134,837 146,773 157,384 196,287

76-80* 82,346 96,755 129,286 150,015 164,754 179,339 192,303 239,838

>80* 95,656 112,394 152,910 177,426 194,859 212,108 227,442 283,663

FLOA

TER

(1A+3

C)

18-35 14,458 16,988 19,135 22,203 24,384 26,543 28,462 35,497

36-45 14,933 17,546 20,154 23,385 25,682 27,956 29,977 37,387

46-50 19,526 22,942 26,964 31,287 34,361 37,403 40,106 50,020

51-55 23,453 27,556 32,896 38,170 41,921 45,632 48,930 61,025

56-60 28,297 33,249 40,539 47,039 51,660 56,234 60,299 75,204

61-65 36,417 42,789 53,467 62,039 68,135 74,166 79,528 99,187

66-70* 47,436 55,736 70,779 82,127 90,196 98,181 105,278 131,302

71-75* 55,767 65,525 84,368 97,894 107,513 117,030 125,490 156,510

76-80* 65,439 76,889 100,430 116,532 127,981 139,311 149,382 186,307

>80* 74,143 87,117 116,290 134,935 148,193 161,312 172,973 215,730

FLOATER


Rate Card





Easy Health

21



FLOA

TER

(2A+

1C)

18-35 13,066 15,352 18,021 20,911 22,965 24,998 26,805 33,431

36-45 14,982 17,603 21,079 24,459 26,862 29,240 31,353 39,104

46-50 20,624 24,232 29,622 34,371 37,748 41,090 44,060 54,951

51-55 25,597 30,076 37,279 43,255 47,505 51,711 55,449 69,155

56-60 32,021 37,624 47,425 55,029 60,436 65,786 70,541 87,978

61-65 42,266 49,661 63,723 73,940 81,205 88,393 94,783 118,213

66-70* 57,293 67,319 87,393 101,405 111,368 121,226 129,990 162,122

71-75* 70,575 82,924 108,826 126,275 138,681 150,958 161,871 201,884

76-80* 84,815 99,656 132,303 153,515 168,598 183,523 196,790 245,435

>80* 98,125 115,295 155,927 180,927 198,703 216,293 231,929 289,259

FLOA

TER

(2A+

2C)

18-35 15,949 18,740 21,544 24,998 27,454 29,885 32,045 39,966

36-45 17,632 20,717 24,317 28,216 30,988 33,731 36,170 45,111

46-50 23,507 27,620 33,145 38,459 42,237 45,976 49,300 61,486

51-55 28,713 33,737 41,086 47,673 52,357 56,992 61,112 76,219

56-60 35,195 41,353 51,304 59,529 65,378 71,166 76,310 95,173

61-65 45,440 53,391 67,602 78,441 86,147 93,774 100,552 125,408

66-70* 60,468 71,048 91,271 105,905 116,310 126,607 135,759 169,317

71-75* 73,749 86,654 112,705 130,775 143,624 156,338 167,640 209,079

76-80* 87,989 103,386 136,181 158,015 173,541 188,903 202,559 252,630

>80* 101,299 119,024 159,805 185,427 203,646 221,673 237,698 296,454

FLOA

TER

(2A+

3C)

18-35 19,473 22,880 25,850 29,994 32,941 35,857 38,449 47,953

36-45 20,871 24,523 28,275 32,808 36,032 39,221 42,056 52,452

46-50 27,030 31,760 37,450 43,455 47,724 51,949 55,704 69,474

51-55 32,521 38,212 45,740 53,073 58,287 63,447 68,034 84,851

56-60 39,075 45,912 56,044 65,030 71,419 77,741 83,361 103,968

61-65 49,320 57,950 72,342 83,941 92,188 100,349 107,604 134,202

66-70* 64,347 75,607 96,012 111,405 122,351 133,182 142,810 178,111

71-75* 77,629 91,212 117,446 136,276 149,665 162,914 174,691 217,873

76-80* 91,869 107,944 140,922 163,516 179,582 195,479 209,610 261,424

>80* 105,179 123,583 164,546 190,928 209,686 228,249 244,749 305,248

Additional Children

2,945 3,460 3,598 4,175 4,585 4,991 5,352 6,674

Rate Card





Easy Health

22



PREMIUM RATESGross Premium (excluding Taxes and applicable cess)Annual Premium for Rest of India

STANDARD

IN

DIVI

DUAL

91 days -17 1,874 2,797 3,496 4,335 4,755 5,257 5,668 6,793

18-35 2,316 3,341 4,177 5,179 5,680 6,858 7,822 9,376

36-45 2,980 3,781 4,727 5,861 6,428 7,859 9,029 10,822

46-50 4,290 5,531 6,914 8,574 9,403 11,620 13,435 16,102

51-55 5,264 6,994 8,742 10,840 11,889 14,815 17,209 20,627

56-60 5,979 9,029 11,286 13,994 15,349 19,319 22,568 27,050

61-65 7,983 12,056 15,070 18,686 20,495 26,058 30,610 36,689

66-70* 11,016 16,635 20,793 25,784 28,279 36,122 42,539 50,987

71-75* 13,308 20,097 25,121 31,150 34,164 43,921 51,903 62,212

76-80* 15,970 24,116 30,145 37,380 40,997 53,084 62,973 75,479

>80* 18,365 27,733 34,667 42,987 47,147 61,862 73,901 88,579

FLOA

TER

(1A+2

C)

18-35 5,833 6,946 8,613 9,446 11,022 12,311 14,757

36-45 6,072 7,272 9,017 9,890 11,685 13,154 15,767

46-50 8,023 9,683 12,007 13,169 15,783 17,922 21,482

51-55 9,687 11,735 14,551 15,959 19,315 22,061 26,442

56-60 11,772 14,334 17,775 19,495 23,903 27,510 32,973

61-65 14,694 18,001 22,321 24,481 30,465 35,361 42,383

66-70* 19,273 23,725 29,419 32,266 40,529 47,290 56,682

71-75* 22,735 28,052 34,785 38,151 48,328 56,655 67,907

76-80* 26,754 33,076 41,015 44,984 57,491 67,723 81,174

>80* 30,372 37,598 46,622 51,133 66,270 78,654 94,275

FLOATER

FLOA

TER

(1A+1C

)

18-35 4,449 5,388 6,681 7,328 8,680 9,787 11,731

36-45 4,799 5,840 7,242 7,943 9,533 10,835 12,986

46-50 6,639 8,126 10,076 11,051 13,441 15,397 18,455

51-55 8,191 10,051 12,464 13,670 16,783 19,331 23,170

56-60 10,248 12,619 15,648 17,162 21,325 24,730 29,642

61-65 13,228 16,352 20,277 22,239 27,986 32,688 39,180

66-70* 17,807 22,076 27,374 30,023 38,050 44,618 53,479

71-75* 21,269 26,403 32,740 35,908 45,849 53,982 64,704

76-80* 25,288 31,427 38,970 42,741 55,012 65,052 77,971

>80* 28,906 35,949 44,577 48,891 63,790 75,981 91,071

Rate Card



Age Band 1 Lakh 2 Lakhs 3 Lakhs 4 Lakhs 5 Lakhs 7.5 Lakhs 10 Lakhs 15 Lakhs


Easy Health

23



FLOA

TER

(1A+3

C)

18-35 7,495 7,811 9,685 10,623 12,325 13,718 16,442

36-45 7,599 8,067 10,003 10,971 12,889 14,459 17,330

46-50 9,685 10,548 13,080 14,346 17,095 19,344 23,186

51-55 11,483 12,670 15,711 17,231 20,734 23,600 28,287

56-60 13,601 15,287 18,956 20,790 25,343 29,068 34,841

61-65 16,453 18,917 23,457 25,727 31,827 36,819 44,131

66-70* 21,032 24,641 30,555 33,512 41,846 48,665 58,330

71-75* 24,494 28,968 35,921 39,397 49,611 57,967 69,480

76-80* 28,513 33,992 42,150 46,230 58,731 68,959 82,655

>80* 32,130 38,514 47,757 52,379 67,477 79,830 95,685

FLOA

TER(

2A+0

C)

18-35 5,079 5,847 7,251 7,952 9,602 10,951 13,127

36-45 6,125 6,980 8,655 9,493 11,588 13,302 15,944

46-50 8,668 9,930 12,313 13,505 16,674 19,266 23,093

51-55 10,922 12,519 15,523 17,026 21,189 24,595 29,479

56-60 13,895 15,965 19,796 21,712 27,276 31,827 38,149

61-65 17,883 20,673 25,634 28,115 35,660 41,834 50,142

66-70* 24,628 28,479 35,314 38,731 49,409 58,145 69,694

71-75* 30,764 35,378 43,869 48,114 61,755 72,916 87,397

76-80* 37,251 42,775 53,041 58,174 75,181 89,095 106,790

>80* 43,356 49,689 61,614 67,577 88,365 105,374 126,301

FLOA

TER(

2A+1C

)

18-35 6,186 7,059 8,753 9,600 11,424 12,916 15,481

36-45 7,143 8,094 10,036 11,007 13,262 15,107 18,108

46-50 9,776 11,142 13,816 15,153 18,495 21,229 25,446

51-55 12,119 13,828 17,147 18,806 23,157 26,716 32,023

56-60 15,114 17,299 21,450 23,526 29,281 33,990 40,740

61-65 19,055 21,955 27,224 29,859 37,589 43,913 52,635

66-70* 25,800 29,761 36,904 40,475 51,337 60,224 72,185

71-75* 31,937 36,660 45,459 49,858 63,683 74,995 89,889

76-80* 38,424 44,057 54,631 59,918 77,109 91,174 109,281

>80* 44,529 50,971 63,204 69,321 90,293 107,452 128,794

FLOA

TER(

2A+2

C)

18-35 7,571 8,616 10,684 11,718 13,766 15,441 18,508

36-45 8,415 9,525 11,811 12,954 15,414 17,427 20,889

46-50 11,160 12,699 15,747 17,271 20,837 23,754 28,472

51-55 13,615 15,511 19,234 21,096 25,689 29,446 35,294

56-60 16,639 19,013 23,577 25,858 31,859 36,768 44,071

61-65 20,521 23,604 29,269 32,101 40,068 46,587 55,839

66-70* 27,266 31,410 38,949 42,718 53,817 62,898 75,389

71-75* 33,402 38,309 47,503 52,101 66,163 77,668 93,093

76-80* 39,889 45,706 56,676 62,161 79,588 93,846 112,484

>80* 45,995 52,620 65,249 71,564 92,773 110,126 131,998

Rate Card








24

Rate Card

FLOA

TER(

2A+3

C)

18-35 9,232 10,520 13,045 14,307 16,628 18,527 22,206

36-45 9,943 11,275 13,981 15,334 18,045 20,264 24,288

46-50 12,821 14,603 18,107 19,860 23,699 26,840 32,171

51-55 15,411 17,569 21,786 23,894 28,782 32,781 39,291

56-60 18,468 21,109 26,176 28,709 35,010 40,166 48,143

61-65 22,280 25,619 31,768 34,842 43,099 49,854 59,755

66-70* 29,025 33,425 41,448 45,459 56,847 66,164 79,304

71-75* 35,161 40,325 50,002 54,841 69,192 80,934 97,008

76-80* 41,648 47,722 59,175 64,901 82,618 97,113 116,400

>80* 47,753 54,636 67,748 74,304 95,803 113,393 135,914

1,273 1,591 1,973 2,163 2,612 2,980 3,571

EXCLUSIVE

FLOA

TER

(1A+1C

)

18-35 5,873 7,283 8,786 10,424 12,319 14,297 15,823 17,179 22,152

36-45 6,366 7,894 9,523 11,540 13,638 15,827 17,516 19,018 24,523

46-50 8,857 10,982 13,250 16,400 19,382 22,494 24,894 27,028 34,852

51-55 10,956 13,585 16,390 20,591 24,334 28,241 31,255 33,934 43,757

56-60 13,755 17,056 20,578 26,341 31,130 36,128 39,983 43,410 55,977

61-65 17,824 22,101 26,664 34,817 41,147 47,753 52,849 57,379 73,989

66-70* 24,063 29,838 35,998 47,524 56,165 65,182 72,138 78,321 100,993

71-75* 28,780 35,687 43,054 57,498 67,952 78,862 87,278 94,759 122,189

76-80* 34,256 42,477 51,247 69,288 81,886 95,032 105,174 114,189 147,244

>80* 39,185 48,589 58,620 80,929 95,644 111,000 122,845 133,375 171,983

INDI

VIDU

AL

91 days -17 3,811 4,725 5,701 6,036 7,134 8,279 9,163 9,948 12,828

18-35 4,553 5,645 6,811 8,332 9,847 11,428 12,648 13,732 17,707

36-45 5,152 6,389 7,708 9,617 11,366 13,190 14,598 15,849 20,437

46-50 7,536 9,345 11,274 14,309 16,910 19,625 21,719 23,581 30,407

51-55 9,529 11,816 14,255 18,330 21,663 25,141 27,824 30,209 38,953

56-60 12,301 15,254 18,403 24,038 28,408 32,969 36,488 39,615 51,083

61-65 16,426 20,368 24,573 32,602 38,530 44,716 49,488 53,730 69,283

66-70* 22,665 28,104 33,907 45,310 53,548 62,145 68,777 74,672 96,288

71-75* 27,382 33,953 40,963 55,284 65,335 75,825 83,917 91,110 117,483

76-80* 32,858 40,744 49,156 67,074 79,269 91,995 101,813 110,540 142,538

>80* 37,787 46,855 56,529 78,715 93,027 107,963 119,484 129,726 167,278

FLOATER

Additional Children







Rate Card

FLOA

TER

(1A+2

C)

18-35 7,571 9,388 11,326 13,113 15,497 17,985 19,905 21,611 27,867

36-45 7,926 9,829 11,858 14,011 16,559 19,217 21,268 23,091 29,776

46-50 10,555 13,088 15,790 19,089 22,560 26,182 28,976 31,460 40,567

51-55 12,791 15,861 19,135 23,497 27,769 32,228 35,667 38,724 49,934

56-60 15,624 19,374 23,374 29,301 34,629 40,189 44,477 48,290 62,268

61-65 19,621 24,330 29,353 37,664 44,511 51,658 57,171 62,071 80,039

66-70* 25,860 32,066 38,687 50,371 59,529 69,087 76,459 83,013 107,043

71-75* 30,577 37,915 45,743 60,345 71,317 82,766 91,599 99,451 128,239

76-80* 36,053 44,706 53,936 72,135 85,250 98,937 109,496 118,881 153,294

>80* 40,982 50,817 61,309 83,776 99,008 114,904 127,167 138,067 178,033

FLOA

TER

(1A+3

C)

18-35 8,514 10,557 12,737 14,607 17,263 20,034 22,172 24,073 31,041

36-45 8,793 10,904 13,155 15,385 18,182 21,101 23,353 25,354 32,694

46-50 11,498 14,257 17,201 20,583 24,326 28,231 31,244 33,922 43,741

51-55 13,810 17,125 20,660 25,112 29,677 34,442 38,118 41,385 53,365

56-60 16,663 20,662 24,928 30,946 36,573 42,445 46,974 51,001 65,764

61-65 20,620 25,568 30,847 39,245 46,381 53,827 59,571 64,678 83,400

66-70* 26,859 33,305 40,180 51,952 61,398 71,256 78,860 85,620 110,404

71-75* 31,575 39,153 47,237 61,926 73,186 84,936 94,000 102,057 131,600

76-80* 37,052 45,944 55,429 73,716 87,119 101,106 111,896 121,487 156,655

>80* 41,980 52,056 62,803 85,358 100,878 117,073 129,567 140,673 181,394

FLOA

TER

(2A+

0C)

18-35 6,374 7,903 9,535 11,665 13,786 16,000 17,707 19,225 24,790

36-45 7,608 9,434 11,382 14,169 16,745 19,433 21,507 23,350 30,110

46-50 10,824 13,422 16,193 20,521 24,252 28,146 31,149 33,819 43,609

51-55 13,646 16,920 20,414 26,197 30,960 35,930 39,765 43,173 55,671

56-60 17,402 21,578 26,033 33,900 40,064 46,496 51,458 55,869 72,041

61-65 22,533 27,941 33,710 44,559 52,661 61,115 67,638 73,435 94,693

66-70* 31,042 38,492 46,439 61,933 73,193 84,944 94,010 102,067 131,613

71-75* 38,562 47,817 57,689 77,665 91,786 106,522 117,890 127,995 165,046

76-80* 46,625 57,815 69,751 94,897 112,151 130,157 144,047 156,394 201,666

>80* 54,161 67,160 81,025 112,237 132,644 153,940 170,368 184,971 238,516

FLOA

TER

(2A+

1C)

18-35 7,694 9,541 11,510 13,757 16,258 18,868 20,882 22,672 29,235

36-45 8,822 10,939 13,198 16,091 19,017 22,070 24,425 26,519 34,195

46-50 12,144 15,059 18,168 22,612 26,724 31,014 34,324 37,266 48,054

51-55 15,073 18,690 22,549 28,457 33,631 39,031 43,196 46,899 60,475

56-60 18,855 23,381 28,208 36,203 42,785 49,654 54,953 59,664 76,935

61-65 23,931 29,674 35,801 46,773 55,278 64,152 70,999 77,084 99,398

66-70* 32,440 40,225 48,530 64,147 75,810 87,981 97,371 105,717 136,319

71-75* 39,960 49,550 59,780 79,879 94,403 109,559 121,251 131,644 169,752

76-80* 48,023 59,548 71,842 97,111 114,768 133,194 147,408 160,043 206,371

>80* 55,559 68,893 83,116 114,451 135,261 156,977 173,729 188,620 243,221








Rate Card

FLOA

TER

(2A+

2C)

18-35 9,392 11,646 14,050 16,446 19,436 22,557 24,964 27,104 34,949

36-45 10,382 12,874 15,532 18,563 21,938 25,460 28,177 30,592 39,448

46-50 13,842 17,164 20,708 25,302 29,902 34,703 38,406 41,698 53,768

51-55 16,908 20,965 25,294 31,364 37,066 43,017 47,608 51,689 66,651

56-60 20,725 25,698 31,004 39,164 46,284 53,715 59,448 64,543 83,227

61-65 25,728 31,903 38,490 49,620 58,642 68,057 75,320 81,776 105,448

66-70* 34,237 42,454 51,219 66,994 79,174 91,886 101,692 110,408 142,369

71-75* 41,757 51,779 62,469 82,726 97,767 113,464 125,573 136,336 175,802

76-80* 49,820 61,777 74,531 99,958 118,132 137,098 151,730 164,735 212,421

>80* 57,356 71,122 85,805 117,298 138,625 160,882 178,051 193,312 249,271

FLOA

TER

(2A+

3C)

18-35 11,467 14,219 17,154 19,733 23,320 27,065 29,953 32,520 41,934

36-45 12,290 15,239 18,385 21,584 25,508 29,604 32,763 35,571 45,868

46-50 15,917 19,737 23,812 28,588 33,786 39,210 43,395 47,115 60,753

51-55 19,150 23,746 28,649 34,916 41,264 47,889 53,000 57,543 74,200

56-60 23,009 28,531 34,422 42,782 50,561 58,679 64,941 70,507 90,917

61-65 27,925 34,627 41,776 53,100 62,754 72,830 80,602 87,511 112,843

66-70* 36,434 45,178 54,505 70,473 83,287 96,658 106,974 116,143 149,763

71-75* 43,954 54,503 65,755 86,206 101,880 118,236 130,855 142,071 183,196

76-80* 52,017 64,501 77,817 103,438 122,244 141,871 157,011 170,469 219,816

>80* 59,553 73,845 89,091 120,778 142,737 165,654 183,332 199,047 256,665

Additional Children

1,734 2,150 2,594 2,747 3,246 3,767 4,169 4,526 5,836

PREMIUM

INDI

VIDU

AL

91 days -17 5,852 7,061 7,476 8,835 9,981 10,864 11,650 14,529

18-35 6,992 8,435 10,320 12,196 13,777 14,997 16,081 20,056

36-45 7,912 9,546 11,911 14,077 15,901 17,309 18,560 23,148

46-50 11,574 13,964 17,722 20,944 23,659 25,753 27,615 34,441

51-55 14,634 17,655 22,702 26,830 30,308 32,991 35,376 44,120

56-60 18,892 22,793 29,772 35,185 39,746 43,264 46,391 57,859

61-65 25,226 30,435 40,379 47,721 53,907 58,679 62,921 78,474

66-70* 34,808 41,994 56,117 66,321 74,918 81,550 87,445 109,061

71-75* 42,052 50,734 68,471 80,920 91,409 99,501 106,694 133,068

76-80* 50,463 60,881 83,073 98,177 110,903 120,721 129,448 161,446

>80* 58,032 70,013 97,491 115,217 130,152 141,674 151,916 189,468




A=Adult C=Child *Premium rates only for renewal26



Rate Card

27

FLOA

TER

(1A+1C

)

18-35 9,020 10,882 12,910 15,258 17,235 18,761 20,117 25,090

36-45 9,776 11,795 14,292 16,891 19,080 20,769 22,271 27,776

46-50 13,602 16,410 20,312 24,005 27,117 29,517 31,651 39,475

51-55 16,826 20,300 25,502 30,139 34,046 37,060 39,739 49,562

56-60 21,125 25,486 32,624 38,555 43,553 47,409 50,836 63,402

61-65 27,373 33,025 43,122 50,962 57,568 62,664 67,194 83,804

66-70* 36,955 44,585 58,860 69,562 78,579 85,535 91,718 114,390

71-75* 44,199 53,324 71,213 84,161 95,071 103,487 110,968 138,398

76-80* 52,609 63,471 85,815 101,418 114,565 124,706 133,721 166,776

>80* 60,179 72,603 100,234 118,458 133,814 145,659 156,189 194,798

FLOATER

FLOA

TER

(1A+2

C)

18-35 11,627 14,027 16,241 19,194 21,682 23,601 25,307 31,563

36-45 12,173 14,686 17,354 20,509 23,167 25,218 27,041 33,725

46-50 16,209 19,556 23,643 27,941 31,563 34,357 36,841 45,948

51-55 19,644 23,699 29,102 34,393 38,851 42,291 45,348 56,557

56-60 23,996 28,950 36,291 42,889 48,449 52,738 56,550 70,529

61-65 30,134 36,355 46,648 55,129 62,275 67,788 72,688 90,656

66-70* 39,715 47,915 62,386 73,729 83,286 90,659 97,213 121,243

71-75* 46,959 56,654 74,739 88,328 99,778 108,611 116,462 145,250

76-80* 55,370 66,801 89,341 105,585 119,272 129,830 139,216 173,629

>80* 62,939 75,933 103,760 122,625 138,521 150,783 161,683 201,650

FLOA

TER

(1A+3

C)

18-35 13,075 15,775 18,091 21,381 24,152 26,290 28,191 35,159

36-45 13,505 16,293 19,054 22,519 25,438 27,690 29,691 37,031

46-50 17,658 21,303 25,493 30,128 34,033 37,046 39,724 49,544

51-55 21,209 25,588 31,102 36,757 41,521 45,197 48,464 60,444

56-60 25,590 30,874 38,328 45,297 51,168 55,698 59,724 74,488

61-65 31,667 38,205 48,606 57,444 64,890 70,635 75,741 94,463

66-70* 41,249 49,765 64,345 76,044 85,901 93,506 100,265 125,050

71-75* 48,493 58,504 76,698 90,643 102,393 111,457 119,514 149,057

76-80* 56,903 68,651 91,300 107,900 121,887 132,677 142,268 177,436

>80* 64,473 77,783 105,719 124,940 141,136 153,630 164,736 205,457

FLOA

TER

(2A+

0C)

18-35 9,788 11,809 14,448 17,075 19,288 20,995 22,513 28,078

36-45 11,685 14,097 17,548 20,739 23,427 25,501 27,344 34,104

46-50 16,623 20,055 25,416 30,037 33,930 36,934 39,604 49,394

51-55 20,957 25,283 32,445 38,345 43,315 47,150 50,558 63,056

56-60 26,725 32,242 41,986 49,620 56,052 61,014 65,425 81,598

61-65 34,606 41,750 55,188 65,222 73,677 80,199 85,996 107,254

66-70* 47,674 57,516 76,706 90,652 102,403 111,468 119,526 149,072

71-75* 59,223 71,449 96,191 113,680 128,416 139,784 149,889 186,940

76-80* 71,605 86,388 117,533 138,902 156,908 170,799 183,146 228,417

>80* 83,179 100,352 139,009 164,284 185,580 202,008 216,611 270,155






Easy Health

28



Rate Card

FLOA

TER

(2A+

1C)

18-35 11,816 14,256 17,038 20,136 22,746 24,760 26,550 33,113

36-45 13,549 16,346 19,929 23,553 26,606 28,961 31,055 38,731

46-50 18,651 22,502 28,006 33,098 37,389 40,698 43,641 54,428

51-55 23,148 27,927 35,245 41,653 47,053 51,218 54,921 68,497

56-60 28,958 34,936 44,838 52,991 59,860 65,159 69,869 87,140

61-65 36,753 44,340 57,930 68,463 77,338 84,184 90,270 112,584

66-70* 49,820 60,106 79,448 93,893 106,064 115,454 123,800 154,402

71-75* 61,369 74,039 98,933 116,921 132,077 143,770 154,163 192,270

76-80* 73,752 88,978 120,275 142,144 160,570 174,784 187,419 233,747

>80* 85,326 102,942 141,752 167,525 189,241 205,993 220,884 275,485

FLOA

TER

(2A+

2C)

18-35 14,424 17,401 20,369 24,072 27,193 29,600 31,740 39,585

36-45 15,945 19,237 22,991 27,171 30,693 33,410 35,825 44,681

46-50 21,258 25,647 31,337 37,034 41,835 45,538 48,830 60,901

51-55 25,966 31,327 38,845 45,908 51,859 56,449 60,530 75,493

56-60 31,828 38,399 48,505 57,325 64,756 70,488 75,584 94,267

61-65 39,513 47,671 61,456 72,630 82,045 89,308 95,764 119,436

66-70* 52,581 63,436 82,974 98,060 110,772 120,578 129,294 161,254

71-75* 64,130 77,369 102,459 121,088 136,785 148,893 159,657 199,123

76-80* 76,512 92,309 123,801 146,311 165,277 179,908 192,913 240,600

>80* 88,086 106,272 145,278 171,692 193,948 211,117 226,379 282,338

FLOA

TER

(2A+

3C)

18-35 17,610 21,246 24,440 28,883 32,627 35,515 38,083 47,497

36-45 18,874 22,771 26,733 31,593 35,688 38,848 41,656 51,953

46-50 24,445 29,492 35,407 41,845 47,270 51,454 55,174 68,812

51-55 29,410 35,482 43,245 51,107 57,732 62,843 67,386 84,043

56-60 35,337 42,632 52,987 62,621 70,739 77,001 82,567 102,977

61-65 42,887 51,741 65,766 77,723 87,798 95,571 102,480 127,812

66-70* 55,954 67,506 87,283 103,153 116,525 126,840 136,009 169,630

71-75* 67,503 81,439 106,769 126,181 142,538 155,156 166,372 207,498

76-80* 79,886 96,379 128,111 151,404 171,030 186,170 199,629 248,975

>80* 91,460 110,342 149,587 176,785 199,701 217,380 233,094 290,713

Additional Children

2,662 3,213 3,402 4,020 4,542 4,943 5,301 6,611





We would be happy to assist you. For any help contact us at: Email: [email protected] Toll Free: 1800 102 0333

Apollo Munich Health Insurance Co. Ltd. • Central Processing Center, 2nd & 3rd Floor, iLABS Centre, Plot No. 404-405, Udyog Vihar, Phase-III, Gurgaon-122016, Haryana • Corp. Off. 1st Floor, SCF-19, Sector-14, Gurgaon-122001, Haryana • Reg. Off. Apollo Hospitals Complex, 8-2-293/82/J III/DH/900, Jubilee Hills, Jubilee Hills, Hyderabad-500033, Telangana • For more details on risk factors, terms and conditions, please read sales brochure carefully before concluding a sale • IRDA Registration Number - 131 • Corporate Identity Number: U66030TG2006PLC051760


UIN:IRDAI/HLT/AMHI/P-H/V.III/1R/2016-17 AMHI/PR/H/0016/0143/062016/P

Note: a) In a family floater the age of the eldest member will be considered while computing premium for the familyb) Premium rates as per policy terms and conditions are for standard healthy individuals. These may change post underwriting of proposer based on medical test and information provided

on Proposal Form. Please visit our nearest branch to refer our underwriting guidelines if required.c) The premium will be computed basis the city of residence provided by the insured person in the application form. The premium that would be applicable zone wise and the cities defined

in each zone are as under:• Delhi NCR/Mumbai MMR- Delhi, Gurgaon, Noida, Faridabad, Ghaziabad, Greater Noida ,Mumbai, Navi Mumbai , Thane, Kalyan, Dombivali, Bhayandar, Ulhasnagar, Bhiwandi, Vasai,

Virar• Rest of India- All other cities

d) The Sum Insured of the dependent insured members should be equal to or less than the Sum Insured of the Primary Insured member. Incase where two or more children are covered, the Sum Insured for all the children must be same. Sum insured of all Dependent Parents and Dependent Parent in law must be same.

Optional Benefit Critical Illness (On Individual basis only)

0-17 31 46 61 76 92 115 122 153 229 306

18-35 116 173 231 289 347 433 462 578 866 1,155

36-45 354 531 708 885 1,062 1,327 1,415 1,769 2,654 3,538

46-50 776 1,164 1,552 1,941 2,329 2,911 3,105 3,881 5,822 7,762

51-55 1,279 1,918 2,557 3,197 3,836 4,795 5,114 6,393 9,590 12,786

56-60 2,020 3,030 4,040 5,050 6,060 7,575 8,080 10,100 15,150 20,200

61-65 3,011 4,517 6,022 7,528 9,033 11,292 12,044 15,055 22,583 30,111

66-70* 4,982 7,473 9,964 12,455 14,946 18,683 19,928 24,911 37,366 49,821

>70* 10,976 16,463 21,951 27,439 32,927 41,159 43,902 54,878 82,317 1,09,756

Age Band 1 Lakh 1.5 Lakhs 2 Lakhs 2.5 Lakhs 3 Lakhs 3.75 Lakhs 4 Lakhs 5 Lakhs 7.5 Lakhs 10 Lakhs

Easy Health - apollomunichinsurance.com · Easy Health Prospectus

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Transcript of Easy Health - apollomunichinsurance.com · Easy Health Prospectus