Health Insurance

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Health Insurance
Apex Insurance provides the best health insurance plans in India, for men and women of any age. We offers individual health insurance plans, family floater health insurance plans and group health insurance policies for corporate. These health insurance policies will not only guard you against the present and future spiraling healthcare costs, but will also guide you on the path to wellness for the long term.Every human being is exposed to various health hazards. Medical emergency can strike anyone without warning. A health insurance policy will provide a cover to you and your family against sudden medical contingency or bodily injury.Your health is your biggest investment. If you are a healthy individual, you may feel that paying for health insurance just isn’t cost effective. But then, what if you do get seriously ill? We at Apex Insurance offer various Health Insurance Solutions, as follows:Best-In-Class Features & Benefits

Comprehensive cover Options of  Rs.3 Lakh , Rs 5 Lakh, Rs 7.5 Lakh, Rs 10 Lakh, Rs 15 Lakh, Rs 20 Lakh & Rs 50 Lakh

  • In-Patient Hospitalization – The medical expenses for coverage for hospitalization of more than 24 hrs.
  • Pre-Hospitalization – The medical expenses that you incur due to illness during the 60 days immediately before you are hospitalized.
  • Post-Hospitalization – The medical expenses you incur in the 180 days immediately after you are discharged from hospital.

 

  • All Day Care Treatment Covered – The plan cover all day care treatments, not just a select few. However, the treatment should not be in the outpatient department of the hospital.
  • Maternity Benefits – The plan provides you maternity benefits for up to two deliveries. To avail this benefit, both you and your spouse should have been covered under this policy for two continuous years.
  • Newborn Baby – Your new born baby will be covered as an insured person from birth without any additional premium.
  • Vaccination Cover – The plan cover vaccination expenses of the new born baby till the end of the policy year in which the baby is born and extend the vaccination expense cover till the baby completes one year.
  • Free Annual Health Check-Up – The Plan cover Health check up and diagnostics at no extra premium. It shall be arranged for you with our empanelled service providers.
  • Assured Policy Renewal for Life – The Plan assure you renewability for life. The premium does not increase even if you make a claim in the previous year. The premium is based only on your age and city of residence, rather than your claim history.
  • Emergency Ambulance – The Plan cover costs incurred towards Emergency Ambulance. The expenses are paid once an In-patient claim has been accepted.
  • Domiciliary Treatment – The treatment expenses involved in getting a treatment done at home which otherwise would need hospitalization.
  • Organ Donor – Treatment expenses for the organ donor at the time of organ transplant.
  • Ayush Benefit – The Medical expenses for in-patient treatment taken under Ayurveda, Unani, Sidha and Homeopathy.
  • Additional cover for Critical Illness (optional) – You can opt for an additional cover for Critical Illness which covers for cancer, coronary artery (bypass) surgery, first heart attack (myocardial infarction), kidney failure (end-stage renal disease), major organ transplantation, multiple sclerosis, paralysis and stroke.
  •   Restore Benefit – Automatic re-instatement of the basic sum insured, if the basic sum insured and multiplier benefit has been exhausted during the policy year.

Others Benefits

  • Multiplier Benefit – You get a bonus of 50% of the basic sum insured for every claim free year accumulating up to 100%. (In the event of a claim, the bonus shall be reduced by 50% of the Basic Sum Insured at the time of renewal).

Direct Claim Settlement – The Plan settle your claims directly, without any third party involvement. Because in times of crisis you should concentrate only on your health rather than chasing a ‘third party’ for settlement of your claims.

Assured Policy Renewal for Life – The Plan assure you renewability for life. The premium does not increase even if you make a claim in the previous year.

  • Portability – If you are insured with some other company’s health insurance and you want to shift to us on renewal, you can. Portability policy is customer friendly and aims to achieve the transfer of most of the accrued benefits and makes due allowances for waiting periods etc.
  • Tax Benefits – You can avail tax benefits for the premium amount under Section 80D of the Income Tax Act.