1) Apollo Munich Health Insurance Co. Ltd. provides various health insurance plans in India to cover rising healthcare costs. 2) Healthcare spending in India is projected to increase from $42 billion in 2010 to $280 billion in 2020 due to lifestyle diseases, improved hospital quality, and increasing incomes. 3) Apollo Munich offers 100% lifelong renewal, cashless access to hospitals, and fast claim settlements to ensure customers can access quality healthcare even if it becomes very expensive.

1. Welcome to Apollo Munich Health Insurance Co.Ltd.

2. 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
42
280
FinancialYear2010
FinancialYear2020(estimated)
USD Billion

3. How 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
 Take Health Insurance- Protect what’s dear to you

4. WhyApollo 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 patients

5. Let’s 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.
Philosophy

6.  Great customer service
 100% Life long renewal
 Clear policywordings 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
All our plans
come with...
*Tax benefits are subject to changes in the Income Tax Act.

7. Easy Health
NEW
gets better,stays affordable,
and now offers 7.5% premium discount for a 2 year plan.

8. Benefits
• InpatientHospitalization:EasyHealthofferscoverforIn-patienthospitalization
with no sub limits or co-payment
• 100 % Life Long Renewal :100% life long renewal with no cover ceasing age
• Additional Critical Illness Cover : Optional additional coverage against 8
specified critical illnesses
• Maternity Benefits : Coverage for maternity expenses offered with specified
waiting period
• Health Risk Assessment and Healthline Support : Access to online
health risk assessment tool and rich health content

9. Choose from
Our Most Popular Plan :
Easy Health Standard (Sum Insured: ` 1 Lakh to `5 Lacs)
• Hospitalization • Pre-hospitalization • Post-hospitalization
• 144 Day-care procedures • Domiciliary treatment • Daily Cash for choosing shared accommodation
• Expenses for Organ Donor • EmergencyAmbulance • Health Check-up • Optional Critical Illness cover
Our Plan for Young Families:
Easy Health Exclusive (Sum Insured: ` 3 Lacs to ` 50 Lacs)
• Hospitalization • Pre-hospitalization • Post-hospitalization • 144 Day-care procedures• Domiciliary
treatment • Daily Cash for choosing shared accommodation • Expenses for Organ Donor • Emergency
Ambulance • Health Check-up • Optional Critical Illness cover • Daily cash for accompanying an insured
child • Maternity Expense • New born baby coverage • Recovery Benefit
Our Premium Plan:
Easy Health Premium (Sum Insured: ` 4 Lacs to ` 50 Lacs)
• Hospitalization • Pre-hospitalization • Post-hospitalization • 144 Day-care procedures • Domiciliary
treatment • Daily Cash for choosing shared accommodation • Expenses for Organ Donor • Emergency
Ambulance • Health Check-up • Daily cash for accompanying an insured child • Optional Critical Illness
cover • Maternity Expense • New born baby coverage • Recovery Benefit • E-Opinion for Critical Illness
cases• Dental treatment • Spectacles,Contact Lenses,Hearing Aid

10. Buy a 2 year plan & get
7.5% additional discount

11. • 30 days waiting period: For the first 30 days of your policywe 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,joint
replacement surgeries,surgery of 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 for artificial limb and external devices.
• Expenses for Cosmetic treatment or items of personal comfort and convenience.
Please refer to the policywording for the comprehensive set of exclusions
Remember

12. Offerings Apollo Munich Majority of others
100% Life Long Policy Renewal YES Offer cover around 75 years only
No Sub-limits on Room Rent Offered
Limit of room rent up to 1% of the
policy
Portability of Benefits Offered
Not offered - resulting in loss of ac-
crued benefits
Outpatient Vision,Hearing Aid &
Dental Cover
Offered
with a waiting period
Most Insurers don’t offer
Additional Cover for Critical Illness
Offered as optional rider benefit with
core inpatient offering
Others offer as a separate product
New Born & Maternity Benefits Offered
with a waiting period
Most Insurers don’t offer
Health Line Support
for any time Medical Assistance
Offered Most Insurers don’t offer
Health Check-up
Offered
Upto 1% of SI
Most Insurers don’t offer
What We OFFER & Others DON’T

13. 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 renewtheir policyeveryyear.

14. 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.

15. Visit to our
52
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 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
www.apollomunichinsurance.com
Apollo Munich Health Insurance Co. Ltd • Corp. Off. 10th
Floor, Tower B,Building No 10, DLF Cybercity, DLF City Phase II,
Gurgaon-122002, Haryana. Tel: +91-124-458433 Fax: +91-
124-4584111 • Reg Off. Apollo Hospitals Complex, Jubilee Hills,
Hyderabad-500033, AP • www.apollomunichinsurance.com •
Email: customerservice@apollomunichinsurance.com • Insurance
is the subject matter of solicitation. • For more details on risk
factors, terms and conditions please read sales brochure carefully
before concluding a sale. • IRDA Registration Number - 131 •
Corporate Identity Number: U66030AP2006PLC051760