Apollo Munich Health insurance coverage – Apollo Munich Health Insurance

The amount of medical and financial protection given by a health insurance company to the policyholder is known as coverage. Apollo Munich Health Insurance provides adequate cover (medical and financial) for all individuals. The extent of the cover will vary depending on the plan selected.

This coverage can be availed by two ways:

• Cashless Hospitalization (Applicable only in network hospitals): The Company settles the payment directly with the network hospital in which the insured patient is admitted. The individual therefore does not have to pay a single penny out of his/her own pocket. Apollo Munich offers this facility in over 4000 network hospitals.
• Claim Reimbursement (mainly for Non-Network hospitals): Patients have to pay for the treatment themselves, but can get the money compensated later by the insurance company. To do so one needs to fill and submit certain documents after which reimbursement is done in accordance with the policy terms and conditions.

The coverage of a medical insurance plan is also based on the number of people covered in the plan. An individual plan only cover 1 person, while a family plan may cover the insured, his/her spouse, dependent parents and dependent children. Group plans are meant for corporate employers.

Cover also depends on the basis of the kind of plan selected. Travel plans cover travel-related problems while accident plans cover unforeseen events that may leave the individual injured. Pure Health plans cover the day-to-day health needs of an individual. Each Apollo Munich plan gives wide-ranging coverage.