Apollo DKV Health Insurance Plan

With Easy Health Insurance Plan

Easy Health Insurance Plans are designed in a way to suit your need and fit your pocket. They will not only guard you against the spiraling medical costs but will also guide you on the path of wellness, providing you a double protection of prevention and cover. The Easy Health Insurance Plans are available for Individuals (Easy Health Individual Health Insurance Plan) and Families (Easy Health Family Health Insurance Plan). These Plans manage you and your families health-related needs right from consultation, hospitalisation to the post-hospitalisation.

These policies are available on a cashless basis in over 4000 Network hospitals thus managing your expenses and providing hassle-free transactions. To let you decide on what policy suits your needs they come in three variants, which gives you a choice to decide your premium.

The Easy Health Insurance policies are power-packed with unique features like cash credited on daily basis on choosing shared accommodation, daily cash for accompanying an insured child, maternity expenses*, health check-up, spectacles, contact lenses, etc. and out-patient dental treatment**.

* waiting period of 6 years (Easy Health Individual Health Insurance Plan) and waiting period of 4 years (Easy Health Family Health Insurance Plan)
** waiting period of 3 years

With best-in-class benefits

	Wide options Choose from the wide choices of the sum insured starting from Rs 1 lac to 10 lacs.
	Portability A customer-friendly policy that ensures that you avail most of the accrued benefits when you opt for Apollo DKV’s Easy Health Insurance Plans.
	Pre-Hospitalisation and Post-Hospitalisation cover Takes care of medical expenses incurred before and after the hospitalization.
	Cumulative bonus Get special incentives on every renewal after a claim-free year.
	Tax benefits Get tax benefits for the premium amount under Section 80D of the Income Tax Act.

With wide choices

We offer three plan variants, to help you choose what’s best for your needs. The cover amount ranges from Rs. 1,00,000 to Rs. 10,00,000 according to the product variant you choose.

Standard Plan
A plan that is tailor-made especially to fit every one’s pocket. Starting at just Rs. 3/day. Health insurance was never so accessible before. Read more…

Exclusive Plan
Covers maternity, which makes it unique in its class. Starting at Rs. 3450 per annum…. Read more…

Premium Plan
Take e-opinion from our expert panel of doctors who will guide you through this critical time starting at Rs. 5700 per annum. Read more…

Terms of Renewal

• We offer life-long renewal unless the Insured Person or any one acting on behalf of an Insured Person has acted in a dishonest or fraudulent manner or any misrepresentation under or in relation to this policy or the Policy poses a moral hazard.
• Maximum Age –There is no maximum cover ceasing age in this policy. For Additional cover of Critical Illness maximum cover ceasing age in this policy would be 70 yrs.
• Waiting Period - The Waiting Periods mentioned in the policy wording will get reduced by 1 year on every continuous renewal of your Easy Health Insurance Plan.
• Renewal Premium- Renewal premium are subject to change with prior approval from IRDA.
• Sum Insured Enhancement – Sum Insured can be enhanced only at the time of renewal subject to no claim have been lodged/ paid under the policy. If the insured increases the sum insured one grid up, no fresh medicals shall be required. In cases where the sum insured increase is more than one grid up, the case shall be subject to medicals. In case of increase in the Sum Insured waiting period will apply afresh in relation to the amount by which the Sum Insured has been enhanced. However the quantum of increase shall be at the discretion of the company.

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Disclaimer
This is only a summary of the product features.The actual benefits available are as described in the policy, and will be subject to the policy terms, conditions and exclusions.Please seek the advice of your insurance advisor if you require any further information or clarification.