Contact Information for Apollo Munich Health Insurance
Is Apollo Munich Health Insurance Good?
“Blown Away!” 0.5 5.0/5 My health insurance is with Apollo Munich, which is a good organization with good perks. My health insurance policy was purchased from Apollo Munich because it covers the majority of hospitals in India, has a high cost, and provides excellent plan coverage.
Is Apollo Munich and HDFC Ergo same?
The Insurance Regulatory and Development Authority of India has approved the merger of HDFC ERGO Health Insurance and HDFC ERGO General Insurance, which was previously known as Apollo Munich Health Insurance (IRDAI).
“The merger was given effect on November 13 following clearance by the National Company Law Tribunal and receipt of final permission from the IRDAI.” HDFC ERGO General Insurance Company is the combined entity, according to a statement released on Friday by the private sector general insurer.
How do I apply for Apollo Munich Health Insurance?
The claims procedure with Apollo Munich Insurance is nearly identical for almost all insurance, with minor variances for each policy. Policyholders can make cashless claims or claim for previously incurred expenditures. The claim method outlined below outlines the procedures required to file the claim.
Cashless Claim:
In a cashless claim, there is no need to pay the amount yourself. They don’t even have to pay in cash. A TPA will represent the insurance company and will immediately settle the account with the hospital. Cashless emergency and cashless planned claims have different procedures.
Cashless Claims Procedure for Emergency Admission:
Emergency hospital visits are stressful enough, and having to worry about insurance claims and out-of-pocket expenses just adds to the stress. Upon admittance, check with Apollo Munich to see if cashless claims are possible. If the hospital where you are being admitted is part of Apollo Munich’s cashless hospital network, you must follow the steps below.
Apollo Munich receives notification of an emergency hospital admission within 24 hours. Contact the hospital insurance support desk and have them fill out the cashless claim data before sending it to Apollo Munich for processing. The attending physician must sign off on this claim. The hospital insurance helpdesk will either submit the insurance claim to Apollo Munich or it can be faxed to them. You can get the fax number by contacting the toll-free number and asking for it. 1800-102-0333 is the toll-free number.
- The documents will subsequently be reviewed by the TPA. If further documents are needed, the TPA will ask for them to be sent. If the TPA approves the claim, the TPA will pay the hospital bills and any other expenses covered by the policy, while the patient/policyholder will be responsible for any expenses not covered by the policy.
- If the claim is denied for some reason, the patient or policyholder must pay the bills before submitting a request for reimbursement. Rejection decisions will be communicated via a rejection letter. The denial of a cashless claim does not imply that the reimbursement would be denied.
Cashless Claims Procedure for Planned Admission:
If a patient or policyholder wants to seek a certain treatment at one of the network hospitals and wants to use the cashless claim option, they must follow the cashless claim procedure as planned:
- Then you must notify Apollo Munich at least 48 hours before your scheduled admission. Certain information, like as the policy number, will be required from the patient or policyholder. Call the toll-free number 1800-102-0333 to receive notification.
- The patient or insured must then complete the cashless request form and fax it to Apollo Munich. The paperwork must be submitted with the relevant medical records and a confirmation from the attending physician.
- Apollo Munich will analyze the provided documentation and requests before informing the hospital of their decision. In some situations, Apollo Munich may ask for extra documentation. In the event that it is authorized, Apollo Munich will pay the hospital bill immediately. In the event of rejection, the patient must pay the bills before filing a reimbursement claim.
Reimbursement of Treatment Expenses:
When cashless claims are denied, the patient or policyholder’s bills can be reimbursed by filing a claim for reimbursement of expenses. Cashless claims may be denied due to a lack of supporting papers or because the hospital is not part of Apollo Munich’s cashless claim network. In order to file a refund claim, follow the steps below:
- You must notify Apollo Munich of your admission or treatment within a certain time frame. The sooner the claim is reported to the insurance company, the better the odds of the claim being approved. The toll-free number can be used to submit reimbursement claims. 1800-102-0333 is the toll-free number.
- When making intimations, patients or policyholders must supply important information such as policy numbers.
- The claim form is available for download on the website or from the agents at the various office locations. The claim documentation may differ depending on the patient’s insurance policy. The Apollo Munich office address is where these claim forms must be sent. The toll-free service can also provide you with a mailing address.
Documents Required:
- Discharge summary, as well as other relevant papers such as hospital bills, pre- and post-hospitalization reports and receipts, prescription notes and receipts, and other documents as specified in the claim form
Claims Process:
- The claim processing team will review the above documents and, if necessary, request more documentation. If additional documents are required, they will have seven days to submit them.
- You will receive a rejection letter detailing the reasons for rejection if the claim is not admissible.
How do I download health insurance?
- Step 3: If you haven’t already, register by providing your policy number, name, registered phone number, and email address.
- Step 7: Your policy paper will be emailed to your registered email address, where you can download it.
Note: After you’ve acquired your general insurance policy, the National Insurance Company will send you the documentation to the email address you provided. If you accidentally deleted your insurer’s email, you can retrieve these papers by following the steps outlined above.
If you have any problems downloading your policy, don’t worry; National Insurance offers a live chat service 24 hours a day, 7 days a week. You can contact with a corporate representative using this live chat option and have your questions answered. You can also reach out to the company by using their toll-free number or sending an email to customer.supportniccoin@niccoin.com.
Does Apollo Munich cover pregnancy?
- Waiting period: In most health plans, there is a 2-year waiting period before you may claim maternity expenses. For individuals planning to start a family in the near future, this can be counterproductive. Waiting periods of up to 4 years apply to Apollo Munich’s Exclusive Family Health and Cigna TTK’s ProHealth Insurance Plus Plans, however they can be reduced to 2 years in the case of ProHealth Insurance Plus by paying an additional premium. Religare Joy, on the other hand, has an industry-low 9-month waiting period and a 3-year policy term, but the premium is greater than other plans. A three-year coverage for a family of two between the ages of 18 and 45 years costs Rs. 55,445 in Religare delight. To account for the initial waiting time, it’s probably preferable to purchase a maternity add-on to your health insurance at the start of your marriage.
- What exactly is covered? Maternity insurance should cover delivery costs (including Caesarean section) and problems, as well as pre-natal and post-natal expenses, as well as post-partum care and vaccination. However, finding all of this covered under a single policy plan is quite difficult. Delivery charges, as well as pre-natal and post-natal expenses, are often covered by health plans that cover maternity expenses, as are maternity-related OPD care (outpatient department) expenses such as the cost of prescriptions, pharmaceuticals, ambulance fees, and hospital stays. However, plans like Religare Joy are quite comprehensive, covering almost all aspects of maternity coverage.
- For a sum insured of Rs 3-5 lakh in the base plan, Apollo Munich’s Exclusive Family Health and Cigna TTK’s Plus cover maternity expenditures up to Rs 15,000 for a normal delivery and Rs 25000 for a Caesarean delivery. The majority of health plans that offer maternity coverage as an add-on cap the coverage amount at Rs 50,000. In urban areas, where costs can easily reach Ra 1 lakh or more, this amount may be insufficient.
- Check if the rider includes day one new born baby coverage, which includes charges for treatment of a new born baby’s illness from the moment he or she is born, as well as pregnancy difficulties, pre- and post-natal expenses.
- Exclusions that are common: Many insurance do not cover post-pregnancy expenses including medical check-ups or drug costs.
What is the benefits of Apollo Munich Health Insurance?
Apollo Frequently Asked Questions Munich Health Insurance Plans have a perk that allows you to renew your policy for the rest of your life. There are no room rent sub-limits in these plans. Every year that no claim is made, you will receive a 5% bonus on the sum covered. After a period of four claim-free years, health check-up charges are reimbursed.
Who owns Apollo Munich Health Insurance?
HDFC ERGO Health was founded after HDFC Limited purchased a controlling position in Apollo Munich Health Insurance Co. Ltd. for 51.25 percent. With this, an exciting adventure began with the goal of improving customer experience through creative procedures and cutting-edge technology.
What happened Apollo Munich?
We are delighted to inform that HDFC ERGO Health Insurance has changed its name to HDFC ERGO General Insurance. This is the start of an exciting adventure in which we will provide our valued customers with best-in-class health insurance plans and dedicated services. With this merger, our consumers will have access to a larger combined product portfolio (including health and non-health segments) delivered under one roof, as well as access to 10,000+ cashless hospitals, 24×7 customer service in ten languages, and much more.
How do I add someone to my HDFC Ergo account?
Your health insurance provider will need a change request form filled out with the information for the new family member. This form, along with the updated premium, should be submitted to the nearest branch of the insurance provider.
Furthermore, most employers permit mid-policy term additions, but only for a new born and your newlywed spouse. At the time of renewal, you might add another family member.