MAKE EVERY STEP COUNT. Enjoy Stay Active benefit with Easy Health Individual Health Insurance Plan. SAVE 2% SAVE 5% SAVE 8% RATE CARD Excluding Goods & Services Tax & Cess (if any)
Introducing Individual Health Insurance Plan with attractive benefits Staying healthy and saving money are now just a walk away. Make every step count with Stay Active benefit and earn upto 8% discount on renewal premium. With our Stay Active you and your family can now walk your way to healthier and happier life. With Stay Active and other Uncomplicated benefits, the Easy Health Insurance Plan not only helps you stay healthy but also financially protects you in illness. The Easy Health Plan comes in three variants with multiple sum insured options to choose from to suit your requirements.
Annual Premium for National Capital Region and Mumbai Metropolitan Region (Excluding Goods & Services Tax & Cess (if any) in INR) EASY HEALTH -STANDARD 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 EASY HEALTH -EXCLUSIVE Age Band 3 Lakhs 4 Lakhs 5 Lakhs 7.5 Lakhs 10 Lakhs 15 Lakhs 20 Lakhs 25 Lakhs 50 Lakhs 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 EASY HEALTH -PREMIUM Age Band 4 Lakhs 5 Lakhs 7.5 Lakhs 10 Lakhs 15 Lakhs 20 Lakhs 25 Lakhs 50 Lakhs 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 rates only for renewal
Annual Premium for Rest of India (Excluding Goods & Services Tax & Cess (if any) in INR) EASY HEALTH -STANDARD Age Band 1 Lakh 2 Lakhs 3 Lakhs 4 Lakhs 5 Lakhs 7.5 Lakhs 10 Lakhs 15 Lakhs 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 EASY HEALTH -EXCLUSIVE Age Band 3 Lakhs 4 Lakhs 5 Lakhs 7.5 Lakhs 10 Lakhs 15 Lakhs 20 Lakhs 25 Lakhs 50 Lakhs 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 1,17,483 76-80* 32,858 40,744 49,156 67,074 79,269 91,995 1,01,813 1,10,540 1,42,538 >80* 37,787 46,855 56,529 78,715 93,027 1,07,963 1,19,484 1,29,726 1,67,278 EASY HEALTH -PREMIUM Age Band 4 Lakhs 5 Lakhs 7.5 Lakhs 10 Lakhs 15 Lakhs 20 Lakhs 25 Lakhs 50 Lakhs 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 1,09,061 71-75* 42,052 50,734 68,471 80,920 91,409 99,501 1,06,694 1,33,068 76-80* 50,463 60,881 83,073 98,177 1,10,903 1,20,721 1,29,448 1,61,446 >80* 58,032 70,013 97,491 1,15,217 1,30,152 1,41,674 1,51,916 1,89,468 Optional Benefit - Critical Illness (On Individual basis only) 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 91 days- 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 *Premium rates only for renewal
Critical Advantage Rider Premiums (INR) Age Band USD 250,000 USD 500,000 0-17 4,833 5,490 18-35 7,767 8,947 36-45 11,698 13,286 46-50 18,115 20,584 51-55 20,395 23,181 56-60 22,434 25,500 61-65 24,385 27,717 66-70* 25,494 28,977 71-75* 26,708 30,357 76-80* 26,708 30,357 >80* 26,708 30,357 Discounts 2 Year Premium : 7.5% Discount on premium if Insured Person is paying premium of 2 years in advance For example : (1) Proposed Insured Age 33 years opting for Easy Health Individual Standard (Rest of India) 2 year policy with Sum Insured of Rs 2 Lakhs. Calculation 3341X 2 X 92.5% = Rs. 6182/- plus taxes. (2) Proposed Insured Age 35 years opting for Easy Health Individual Standard (Rest of India)2 year policy with Sum Insured of Rs 2 Lakhs. Calculation (3341+3781) X 92.5% = Rs. 6589/- plus taxes. Family Discount : 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 Family discount illustration incase of 2 members and 3 members. a. Mr. A (husband) aged 32 and Mrs B (wife) aged 30 have applied for individual policy for 2 Lakhs sum insured, the premium calculation will be as follows Premium 4241 + 4241= 8482 Further 5% discount will be offered as family discount 8482-424.1 = 8057.9 + taxes Stay Active Points to Remember The rider will be issued for a period of 1 or 2 year(s) period depending on policy tenure of base policy, the sum insured & benefits will applicable on Policy Year basis. This rider can be issued on individual Sum Insured basis. This rider will be offered with Easy Health policy where base Sum Insured is Rs.10 Lakhs & above. *Premium rates only for renewal (Goods & Services Tax & Cess (if any) to be charged as applicable) b. Mr. A (husband) aged 32, Mrs B (wife) aged 30 and Baby C (child) aged 4 years have applied for individual policy for 2 Lakhs sum insured, the premium calculation will be as follows Premium 4241+ 4241 + 3550 = 12032 Further 10% discount will be offered as family discount 12032-1203.2 = 10828.8 + taxes Upto 8% discount on renewal premium subject to insured member achieving the average number of steps prescribed in the policy wordings by either walking or running regularly to keep fit. The discount will be accrued by the customer at defined time intervals and cumulated at the end of the policy period and offered as a discount on renewal premium.
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 with us or on the receipt of the request of increase in sum insured (for the increased Sum Insured). 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 15 days of the receipt of such counter offer letter. In case, you neither accept the counter offer nor revert to us within 15 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. Note: All the above Premiums are excluding Taxes and applicable cess. 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. The premium under individual coverage will be charged on the completed age of the individual insured member. The Sum Insured of the dependent insured members should be equal to or less than the Sum Insured of the Primary Insured member. In case 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. The premium for the policy will remain the same for the policy period as mentioned in the policy schedule Premium rates are subject to change with prior approval from IRDAI. Your premium at renewal may change due to a change in your age or changes in the applicable tax rate. 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 Apollo Munich Health Insurance Co. Ltd. Central Processing Center, 2nd & 3rd Floor, ilabs Centre, Plot No. 404-405, Udyog Vihar, Phase-III, Gurgaon - 122 016, Haryana Corp. Off: 1st Floor, SCF -19, Sector - 14, Gurgaon - 122 001, Haryana. Regd. Off: Apollo Hospitals Complex, 8-2-293/82/J III/DH/900, Jubilee Hills, Telangana, Hyderabad - 500 033. Toll Free Number: 1800 103 0555 Tel: +91 124 4584333Fax : +91 124 4584111 Website: www.apollomunichinsurance.com For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale. Tax laws are subject to change. IRDAI Reg. No.: - 131 CIN: U66030TG2006PLC051760 UIN: IRDAI/HLT/AMHI/P-H/V.III/1R/2016-17 AMHI/MA/H/0002/0143/062016/P