Apollo Munich Claim Procedure – Apollo Munich Health Insurance

Apollo Munich in its aim to uncomplicate health insurance in India has devised a very simple and easy-to-follow claim process. If an individual avails treatment in a network hospital, there is no need for a reimbursement as the payment is directly settled between the hospital and Apollo Munich. The insured patient only needs to show his/her healthcard to avail treatment.

When treatment is done in a non-network hospital, there are certain steps that have to be followed to ensure successful and quick claim reimbursement:

• Apollo Munich or the TPA should be informed about the treatment/incident as soon as possible. One can either call the toll-free number of Apollo Munich or inform the TPA directly. The TPA numbers are mentioned at the back of the ‘Healthcard’.
• All details of the the incident should be presented to the executive who answers the call. These would include the place, date, time of the incident, expected recovery period, hospital name, doctor’s prescription, ambulance transportation, etc. This helps speed up the claim process.
• A number of documents would have to be submitted for successful passing of the claim. These could include doctor’s prescriptions, hospital bills, claim forms, medicine and other such bills, discharge summary, etc.
• The completely filled claim form should be submitted at the Third-Party-Administrator (TPA). An incomplete or incorrectly filled form leads to delays in the settlement process. Missing documents make for an incomplete form.

Apollo Munich will then reimburse the amount in accordance with the terms and conditions of the plan. One can call the Apollo Munich helpline for any assistance.