ENERGY HEALTH INSURANCE PLAN FROM APOLLO MUNICH HEALTH INSURANCE

Energy, is a unique wellness management plan for individuals with Type 2 Diabetes Mellitus, Impaired Fasting Glucose (IFG), Impaired Glucose Tolerance (IGT) and/or Hypertension that not only covers you in case of hospitalisation but also provides a health eco-system to help manage your health better.

 

The plan offers you Comprehensive health coverage 

•Day 1 coverage for all hospitalisation arising out of Diabetes and Hypertension (with no waiting period)

•Inpatient hospitalisation coverage with no sublimits, including coverage for pre and post hospitalisation

•Sum insured options ranging from 2 lacs to 10 lacs.

 

Health management with a health reward program

• An optional diagnostic monitoring program which includes a doctor consultation, to monitor and manage your health

• Wellness incentives are offered on good health management through premium discounts and additional coverage for any health expenses

 

Support through a health eco-system

•A personalised health coach to help guide you throughout your journey towards a healthy & active lifestyle  and also support you with personalised diet and fitness plans

•An access to a wellness portal that conducts an HRA, tracks your medical values, stores medical records, provides offers for health service and products.

•Access to a centralised helpline to answer any queries you may have 

•A health market place which offers you healthy discounts on health merchandise, pharmacies, health foods, medical equipment’s like glucometers etc

 

Variants offered under the plan

•Gold : The product variant that includes the cost of the diagnostic monitoring program along with a doctor consultation

•Silver : The product variant that does not include the cost of the diagnostic monitoring program along with a doctor consultation

•Both variants of the policy offer an optional copay of 20%.

 

Other Features-

Energy also has additional features that further enhances the offering

•Lifelong Renewal: Stay covered lifelong and renew to monitor your health.

•No Sublimit on Room Rent: With this health plan you can get the room you like and the treatment you deserve without a hassle.

•Cashless Transactions: Energy enables you to get treated on a cashless basis across 4000 hospitals in over 800 cities.

•No Geography Based Sub-Limits: No matter where you buy your policy you can get treated in any city or hospital you like in the country with no additional copays or sublimits.

•No Additional Loadings at Renewal Due to Claims: We will never load your renewal premium because you claimed or fell ill after taking our policy.

Tax benefits: You can avail tax benefits for the premium amount under Section 80 D of the Income Tax Act.(Tax benefits are subject to changes in tax laws.)