Você está na página 1de 15

Welcome to Apollo Munich Health Insurance Co. Ltd.

Urban spending in healthcare will increase due to a variety of factors Why Health Insurance ? Factors Increase in Lifestyle Diseases Enhanced Quality of Hospitals Increasing Affluence Healthcare Spend in India 1290 2250 To double in next 5 years Financial Year10 Financial Year13 BillionHow do you ensure you can get the best quality treatment even if it costs a lot? Reduce savings- Postpone a dream Borrow money- Lose dignity Do nothing- Pray Compromise- Feel guilty - Protect whats dear to youWhy Apollo Munich We know healthcare. We know insurance. Over 5000 Experts across 26 locations worldwide, Customers from over 100 countries

53 Hospitals, 1068 Pharmacies, 8000 Doctors and Trust of 19 million patientsLets Uncomplicate. Not only a positioning but a belief and journey. We make quality healthcare easy and accessible. Simple language, clear policies, transparent procedures and innovative products, making health insurance the way it ought to be. PhilosophyGreat customer service 100% Life long renewal No co-pays or sublimits No additional loadings at renewal Clear policy wordings and conditions Cashless access to the best 10,000 doctors and 4500 hospitals in over 800 cities Tax deduction under Section 80D* Our healthcare and health insurance expertise One of the fastest claims settlement in the industry Healthline for anytime health assistance Free Online Health Risk Assessment Tool All our plans come with... *Tax benefits are subject to changes in the Income Tax Act.Introducing UNBELIEVABLE. OptimaRESTOREWhat makes this plan truly UNBELIEVABLEUnbelievable Restore Benefit Automatic reinstatement of basic sum insured incase your cover is exhausted in policy year, at no extra cost

Important points The reinstated Sum Insured can be utilized only for claims for new illness or disease for the insured person during the same policy year and any claims for any illness suffered by other members (in case of family floater) The Restore benefit will be triggered only post exhausting your existing coverage (including Multiplier benefit) in a policy year The Restore benefit will not be carried forward to the next year Similar to most retail plans The Unbelievable Restore Benefit If you have a Optima Restore policy of Rs 3 lacs You make a claim of 3 lacs SI reduces to zero for remaining of the year Restore is activated SI reinstated to 3lacs i.e your orginal base sum insuredIf you or your family member exhaust the sum insured during the year, we will restore the full amount back for you to use for any new illnesses. 3 Lakhs 5 Lakhs Claim Claim Claim Restore Restore Restore Zero Zero Zero Zero 3 Lakhs 5 Lakhs 10 Lakhs 15 Lakhs 10 Lakhs 15 Lakhs Unbelievable Restore BenefitUnbeliveable Multiplier Benefit Important points The Multiplier benefit will reduce by 50% of the basic sum insured in case of a claim in the previous, however in no case will this reduction reduce the sum insured below basic sum insured.

The Unbelievable Multiplier Benefit Imagine you have a Optima Restore policy of Rs 5 lacs You make no claims in year 1 SI increases to Rs 7.5 lacs i.e. an increase by 50% in year 2 You make no claims in year 2 SI increases to Rs 10 lacs i.e. an increase by 100% in year 2 Increase of basic sum insured by 50% every year in case of no claims, upto a max of 100%If you dontt use your plan, we will increase your coverage by 50% the next year and double it the year after. 3 Lakhs 5 Lakhs 1st Year 1st Year 1st Year 2nd Year 2nd Year 2nd Year 4.5 Lakhs 7.5 Lakhs 22.5 Lakhs 6 Lakhs 10 Lakhs 20 Lakhs 15 Lakhs 30 Lakhs 10 Lakhs 15 Lakhs Unbelievable Multiplier Benefit In-patient Hospitalisation :Coverage for in-patient hospitalisation with no sublimits/ co payments Pre Hospitalisation : Coverage for 60 days prior to admission in hospital Post Hospitalisation : Coverage for 180 days post discharge from hospital Day Care Procedures : 140 procedures Covered Domiciliary Treatment : Covered Organ Donor : Covered Emergency Ambulance : Covered Unbelievable Coverage BenefitsOur Plan for Individuals :

Individual Sum Insured: ` 3, 5, 10, 15 Lacs Hospitalization Pre-hospitalization Post-hospitalization 140 Day-care procedures Domiciliary treatment Restore Benefit Multiplier Benefit Expenses for Organ Donor Emergency Ambulance Our Plan for Families : Family Floater Sum Insured: ` 3, 5, 10, 15 Lacs Hospitalization Pre-hospitalization Post-hospitalization 140 Day-care procedures Domiciliary treatment Restore Benefit Multiplier Benefit Expenses for Organ Donor Emergency Ambulance Choose fromBuy a 2 year plan & get Buy a Individual plan for 2 or more members and get 7.5% additional discount 10% additional discount UNBELIEVABLE. A factory worker from Malaysia sticks metal objects magnetically to his body. A contortionist from America packs all of herself into a suitcase in just 5.43 seconds. Guan from China inates balloons using just his ears. 30 days waiting period:For the first 30 days of your policy we would provide cover only for medical expenses arising out of accidental emergency conditions.

2 years disease specific waiting period:For specific diseases like cataract, hernia, hysterectomy, joint replacement, hydrocele etc. your claims would be payable only after you have completed 2 consecutive years as our insured customer. Pre-existing disease: In case you have any existing condition, please remember to declare all such medical conditions at the time of taking the policy. Pre-existing diseases, except for any medical condition / disease for which we have applied specific exclusion, shall be covered from 4th year of the policy if the proposal is accepted and policy is issued to You. Apollo Munich would not provide cover for... Expenses arising out of medical conditions like HIV, AIDS & related disease. Expenses arising out of medical conditions pertaining to Internal & external congenital diseases.

Expenses arising out of Non-allopathic treatments. Expenses for artificial limb and external devices. Expenses for Cosmetic treatment or items of personal comfort and convenience. Please refer to the policy wording for the comprehensive set of exclusions RememberOfferings Apollo Munich Majority of others Restore Benefit Offered Not available Multiplier benefit Offered Not available Pre/Post Hospitalisation 60/180 days coverage Most Insurers offers 30/60 days coverage 100% Life Long Policy Renewal Offered Offer cover around 75 years only No Sub-limits on Room Rent Offered Sublimits on room rent No geography based sublimits Offered Co-pay/Sublimit based on geography No claim based loading Offered Most Insurers dont offer Health Line Support for any time Medical Assistance Offered Most Insurers dont offer

What We OFFER & Others DONT Sixty-four year old farmer, has not slept since 1973. UNBELIEVABLE.Commitment Policy Issuance: Over 93% of the policies are issued within 7 working days while 83% of the times the policy is issued within 3 working days. Cashless Authorization: Over 90% of the times, the cashless authorization is done within 2 hours of claim intimation. Claims Settlement: Over 95% of the claims are settled within 30 days with average claims settlement duration of 15 days for clear cases. Customer Satisfaction: We keep a track of our customer satisfaction level where on average 85% of our customers are satisfied and advocate for us. Our customer comes first Policy Issuance: Cashless Services: Customer Satisfaction: 4000 Hospitals, 800 Cities. Cashless Treatment Renewal Rate:

Over 80% of our existing customers renew their policy everyyear.Ours is an uncomplicated success story. Three of our plans have received a 5 star rating from Economic Times Wealth. Making Apollo Munich Health Insurance plans among the best in the category. Taking care of your health has been good for us.Insurance is the subject matter of solicitation Apollo Munich Health Insurance Company Limited 10 th Floor, Tower-B, Building No. 10, DLF Cyber City, DLF City Phase - II, Gurgaon - 122002, Haryana. Visit to our 50 branch offices across India Our Offices are present in all major cities which include HYDERABAD, CHENNAI, KOLKATA, BANGALORE, MUMBAI, DELHI, PUNE, AHMEDABAD, JAIPUR, CHANDIGARH, LUCKNOW, ALLAHABAD and COCHIN How to Buy Contact us on our Toll free Number 1800-103-0555 Internet connectivity required Branch Locator Buy online now: 100% secure online transaction.

Apollo Munich Health Insurance Company Profile..


Apollo Munich Health Insurance Co Ltd Apollo Munich Health Insurance is a joint venture between Apollo Hospitals Group and Munich Health, Munich Res newest business segment. The Apollo Hospitals Group is Asias largest integrated healthcare provider, while Munich Health draws on Munich Res insurance and reinsurance competence in more than 40 countries. This parentage ensures that Apollo Munich is in a good position to understand the healthcare financing requirements of this country and replicate the success of healthcare financing through insurance, as seen in other countries, with the support of Munich Health. The company offers comprehensive health insurance plans for individuals and their families, as well as for corporate houses, apart from individual personal accident plans and travel insurance plans for individuals, families and senior citizens. The company is positioned as a straight-forward, userfriendly and hassle-free health insurance provider that strives to consistently tackle concerns faced by people when it comes to healthcare and health insurance. Apollo Munich focuses on an easy and uncomplicated process for people seeking comprehensive health insurance for themselves and their loved ones. Apollo Munich Product portfolio: With the strong understanding that Apollo Hospitals and Munich Health bring to healthcare and health insurance, Apollo Munich is in a good position to develop new market leading products. Apollo Munich does this with a clear understanding of the voice of the customer. Apollo Munichs policies have been acknowledged by a leading publication in India wherein three of the plans have received a 5 star rating from an independent agency i-Save and are also recommended for superior services and benefits making it the best in the industry. As a first step towards bringing innovative health insurance solutions, Apollo Munich has launched its first generation products which include:

Easy Health Individual and Family Health Plans: In-Patient Hospitalization Cover Easy Health for Groups Overseas Travel and Health Covers individual, family and groups Personal Accident Cover Corporate and Individual

Insure Health An over the counter health insurance plan Maxima Indias first truly comprehensive health insurance plan which covers little illnesses too Optima Cash A daily hospital cash product with maximum benefits Optima Plus A top up insurance plan which grows to a full cover at retirement

Apollo Maxima is a 360 degree health plan that provides benefits even if patient is not hospitalized. The benefits include Doctors consultation, pharmacy expenses, health checkups and similar offerings. The company promises to constantly engage itself in developing innovative health and travel insurance solutions catering to various insurance needs that may exist in the market and the scope for growth is quite substantial. Distribution Network: Apollo Munichs headquarters is located in Gurgaon, India and has 40 operational offices covering major metros and category - A, cities/towns of India. The Apollo Hospitals Groups extensive healthcare infrastructure comprising large tertiary care hospitals, primary care clinics, the largest retail pharmacy chain and rural reach through telemedicine provides significant strength to Apollo Munichs distribution capabilities. Apollo Munichs health insurance plans are valid in all the hospitals across India on a reimbursement basis and in around 4,000 trusted hospitals across 831 cities and towns including the 50 Apollo Group hospitals, where customers can avail Cashless Hospitalization service. Distinctions: Over the last three and a half years of operation, Apollo Munich has received several awards and accolades such as:

Outdoor Advertising Awards 2009 for best media plan of the year Celent Model Insurer Award Asia 2011 in the Policy Administration System (PAS) category Great Place To Work 2011 - Among top 100 ranking and one of the best in the insurance industry Remmys Award 2011 For best in Sales and Marketing

The company has also been certified ISO 9001:2008 for design, distribution and servicing of health insurance products. Financial Information: The total premium earned for the half year ended September 30, 2010 was Rs 597 million. The profit before tax for the same period is Rs 397 million. A total of 16,162 claims were made during the period out of which 12,977 claims were settled and 1,461 claims were rejected. Management: Antony Jacob is the CEO of Apollo Munich. K Srikanth is the CFO of Apollo Munich. Herbert Meister is the Consultant Actuary of Apollo Munich. Apollo Munich Philosophy: Lets Uncomplicate Apollo Munich approach to health insurance lies in positioning -Lets Uncomplicate. The company has positioned Apollo Munich as a straightforward, user-friendly and hassle-free health insurance Company that will consistently tackle the general concerns faced by people when it comes to healthcare and health insurance. Apollo Munich focuses on the easy uncomplicated process made for people seeking comprehensive health insurance for themselves and their loved ones. This positioning has enabled the company to create a brand identity for Apollo Munich and differentiation from competitors.

History of Apollo Munich


Apollo Munich Health Insurance Company Limited was previously known as Apollo DKV Insurance Company Limited. The company started as a joint venture between Apollo Group of Hospitals and DKV AG, Europe's largest private health insurer (Deutsche Krankenversicherung AG) on the 8th of August, 2007. Apollo DKV started on a journey to re-define the health insurance sector in India. The stake holding of the two companies were in the ratio of 74:26 (Apollo Group of HospitalsDKV AG). About the promoters:

DKV, with its headquarters in Cologne, Germany, was the market leader in Europe and one of the top 5 health insurance providers in the world. The company was represented across Europe and Asia. Since DKV was a part of the ERGO Group, it was a part of Munich Re Group, one of the worlds largest re-insurers. Apollo Group of Hospitals is the largest healthcare provider in Asia. The group changed the way healthcare was perceived in the nation. Apollo Hospitals brought many modern medical techniques which were previously not available in the country. This gave Indians the chance to get world-class treatment without having to leave the country. Branding and Positioning of Apollo DKV: Apollo DKV changed the focus of the market and customers from curative to preventive healthcare. The brand identity of Apollo DKV, in the form of the joyful and healthy man, depicted the innovative stand of the company. Since Apollo DKV started on the journey with the prime aim of helping people stay healthy regardless of medical care expenses, the Happy Man also illustrated the companys Lets Stay Healthy philosophy. Apollo DKV was the only health insurance provider in the country that was backed by an integrated healthcare group and one of the largest pure health insurance providers in the international market. The mission of the company was to constantly provide customers with innovative healthcare solutions to meet their healthcare needs. Products launched by Apollo DKV: Apollo DKV launched a number of health insurance products, which are till date, among the best medical insurance policies in the nation. The plans launched by Apollo DKV were:

Easy Health Individual Health Insurance Plan Easy Health Family Health Insurance Plan Insure Health Maxima Easy Travel Insurance Plan Personal Accident Insurance Plan Apollo DKV to Apollo Munich: In December 2009, Apollo DKV was renamed as Apollo Munich Health Insurance. The company continues to bring out innovative products.

Apollo Munich offers a large number of customer care services to help people stay healthy and fit always. The journey of uncomplicating health insurance in the country has just begun and has a long way to go.

Our Management. Board of director.

Mr. Bernhard Steinruecke, Independent Director Mr. Bernhard Steinruecke (55), has studied law and economics in Vienna, Bonn, Geneva and Heidelberg. He has done honours degree in Law from the University of Heidelberg in 1980 and also became a member of bar council at the High Court of Hamburg during 1983.

Mr. Steinruecke has a rich experience of about 28 years in the Banking and Finance. He has been associated with Deutsche bank for about 13 years at various capacities and was last designated as Jt. Chief Executive officer, Deutsche Bank, India. Since 2003. Since 2003 he is Director General of the Indo-German Chamber of Commerce. He is on the Board of several reputed Companies including HDFC ERGO General Insurance Company Limited where he is also a member of Audit Committee. He joined Apollo Munich Health Board in May, 2010. He is also the Chairman of Remuneration Committee.

Our Management

Mr. M.B.N. Rao, Independent Director Mr. M.B.N. Rao (61) former Chairman and Managing Director of Canara Bank and Indian Bank, has graduated with a B. Sc degree in Agriculture. He was born on 19th June, 1948. He is an Associate of the Chartered Institute of Bankers, London and Fellow of the Indian Institute of Banking and Finance. He is a member of the Singapore Institute of Management and has done his Diploma in Computer Studies from University of Cambridge and National Computing Center, London. Mr. M.B.N. Rao has extensive in-depth knowledge and over 38 years of varied experience in Banking and Finance, Economics, Foreign Exchange, Money and Capital Markets, Risk Management, Treasury and Funds Management, Asset and Liability Management, Internal Control, Inspection & Audit, Vigilance, Taxation and Administration etc. Mr. M.B.N. Rao held Chairmanship of various banking organizations and Directorship in reputed companies. During his tenure, he has received a number of awards from Indian Bank and Canara Bank including a number of commendations. He was a Director of General Insurance Corporation of India and Founder Chairman of Canara HSBC Oriental Bank of India Insurance Company. He is a member of Corporate Governance and Audit Committee of The Hongkong and Shangai Banking Corporation Ltd., India. He is also a member of the Board of Governors of National Institute of Securities Markets.

Você também pode gostar