Executive Summary – Apollo Munich Dengue Care Plan is an insurance policy that provides coverage against medical expenditure related to dengue. It takes care of in-patient and out-patient medical expenses incurred for dengue. It is a yearly policy that can be taken by anyone in the age group of 91 days- 65 years old. It has a low waiting period and a good plan if you get affected by dengue. You should check your health insurance cover and increase it in an overall manner if the cover is inadequate. This plan can be used as an additional plan that helps to get the no-claim bonus in other insurance policies.
Details of the Apollo Munich Dengue Care Plan
It takes care of medical expenses incurred by a person suffering from dengue.
It is a yearly policy. It can be renewed lifelong even after one is 65 years old.
A medical examination is not required to be able to buy the policy. A person only has to declare that he/she does not suffer from dengue at the time of taking the policy.
Pre hospitalization and post hospitalization expenses upto 15 days are covered by the policy.
A person has to be in the age group 91 days- 65 years to avail of the policy.
Most insurance policies cover in-patient treatment only. This policy covers out-patient treatment up to a certain amount.
No co-pay clause – Some insurance policies have a clause wherein the person insured has to pay a percentage of the claim amount. The Apollo Munich Dengue Plan has no such clause.
No sub-limits – Most insurance policies have limits on spends for room charges, medical procedures etc. This policy has no such sub-limit.
It offers Cashless service in about 4500 hospitals in around 800 cities.
The premium paid is eleigible for benefit of deduction under Section 80D of the Income Tax Act.
You can keep the “No Claim Bonus” on your existing health insurance cover, if you get claim from this plan for dengue and anyone from any social strata can get affected by dengue.
Sum Assured and Premium
There are two options -
Sum Assured - Rs. 50,000 – Premium - Rs. 506
Sum Assured - Rs.1,00,000 – Premium - Rs. 659
There is a waiting period of 15 days before the policy gets into effect.
The policy only covers dengue and excludes treatments for all other diseases or ailments.
You cannot claim expenditure incurred on vitamins and tonics unless verified and required by the doctors.
Some hospitals/practitioners are not covered in the plan
Expenses incurred on treatment by an unlicensed medical practitioner.
Any charges or expenses not mentioned in bill cannot be claimed.
It is the first product in India that provides insurance against a particular medical condition. It has a low waiting period. It is good for a person who buys the policy and gets affected unfortunately.
Before you buy this plan, you should check your overall health insurance status. If it is inadequate, it is better to go in for an health insurace plan that provides a wider coverage. If it is adequate, you may use this plan as a top-up that can give you no-claim bonus. It might be better to increase the value of your overall health insurance. For a slightly higher premium, it can cover more risks.
Let us know your opinion of the Apollo Munich Dengue Care Insurance plan.