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Health Insurance

Health On

Customized Health Insurance solution from
Apollo Munich Health Insurance

For claims call on 1800-200-3003

No Medical Tests

No medical tests on enrolment for applicants’ upto 50 years of age and/or for sum insured upto Rs. 15 lakhs.

Restore Benefit

Restore benefit that automatically reinstates the basic sum insured in case you exhaust it in a policy year.

Tax Savings

Save upto Rs. 55,000 under section 80D

Cashless Hospitalisation

Avail cashless hospitalisation at over 4000 hospitals

Features and Benefits

Minimum Minimum entry age is 91 days. Children between 91 days and 5 years can be insured provided either parent is getting insured under this policy
Maximum Maximum entry is age is 65 years with no cover ceasing age.

A maximum of 6 members can be added in a single policy, whether individual or floater basis. In an individual policy a maximum of 4 adults and maximum of 5 children can be covered. The 4 adults can be a combination of self, spouse and either set of dependent parents or parents in law. In a family floater policy, a maximum of 2 adults and a maximum of 5 children can be covered.

Restore Benefit automatically re-instates the basic sum insured, if the basic sum insured and multiplier benefit has been exhausted during the policy year. Basic sum insured will be re-instated only once in a policy year. Restore Sum Insured can be used for only future claims made by the Insured Person and not against any claim for an illness/disease (including its complications) for which a claim has been paid in the current policy year. If the restore sum insured is not utilised in a policy year, it shall not be carried forward to any subsequent policy year.

Consider a Health On policy with
Base Sum Insured: 3 lacs
Multiplier Benefit: 1.5 lacs
Hence total cover in the given year is 4.5 lacs
Scenarios Restore Benefit Triggered Amount of cover under the policy for remainder of the year
Scenario 1: A claim of 4.5 lacs is incurred Yes 3 lacs (Restore benefit is triggered and the base sum insured is reinstated)
Scenario 2: A claim of 3 lacs in incurred No 1.5 lacs (Restore benefit not triggered as the Restore Benefit will be triggered as the Restore Benefit will be triggered only if the insured person completely exhaust the total cover eligible for the year i.e. Base Sum Insured and Multiplier Benefit)
Scenario 3: A claim of 2 lacs in incurred No 2.5 lacs (Restore benefit not triggered as the Restore Benefit will be triggered only if the insured person completely exhaust the total cover eligible for the year i.e. Base Sum Insured and Multiplier Benefit)

No additional premium would be required in case the Restore Benefit is triggered.

Basic sum insured will be re-instated only once in a policy year. The Restore benefit can be reinstated once every year and there would be no policy lifetime limit.

Multiplier Benefit is a no claim benefit and will be offered as renewal incentive. Under Multiplier benefit, a Bonus of 50% of the basic sum insured will be provided for every claim free year accumulating up to 100%. In the event of a claim, the bonus will be reduced by 50% of the Basic Sum Insured at the time of renewal. However this reduction will not reduce the Sum Insured below the basic Sum Insured of the policy.

Scenario: If client opts for Health On Policy with 5 Lacs Sum Insured & claimed in 3th year. Multiplier Benefit will be functional as follows-:

  Year 1 Year 2 Year 3 Year 4 Year 5
Base Sum Insured 5 5 5 5 5
Multiplier Benefit NA 2.5 5 2.5 5
Total Amount (at the beginning of the year)   7.5 10 7.5 10

A family discount of 10% would apply if 2 or more family members are covered under same Policy. Furthermore, a discount of 7.5% can be availed if insured person is paying 2 year premium in advance

Yes, premium paid under Health On policy (Except mode of payment as Cash) is eligible for deduction under Section 80 D of Income Tax (Amendment) Act 1986.

Cashless is a facility where customer can avail treatment from Network Hospital without paying any bill to hospital. For updated Network hospital list, click here.


  • Customer approach the TPA desk of network Hospital.
  • TPA fills the pre auth form and send it to Apollo Munich.
  • Apollo Munich will check coverage and send authorization/Query reply /Rejected within 2 hours of receiving the documents
  • At the time of discharge, please pay non-medical and expenses not covered to hospital.


Below are the list of Mandatory documents to avail cashless.

  • Filled pre-auth Form ( Available at TPA desk )
  • Photo ID proof of the patient
  • Recent photograph, address proof and photo id of patient if claim is more than 1 lakh
  • MLC/FIR in case of RTA


Claim should be intimated to Apollo Munich with in 48 Hours if planned admission and with in 24 hours if Emergency Admission. Claim can be intimated at toll free number/ Email ID/ Fax.

Customer can take treatment from a Non-Network Hospital, pay the bills and file the claim with Apollo Munich. AMHI will process the case as per policy terms and conditions.


  • Customer took treatment from Non Network Hospital
  • Customer send the dully filled claim form along with documents within 15 days of discharge to Apollo Munich.
  • Apollo Munich will check the coverage and if any further documents are required, Query will be raised within 7 days.
  • On receipt of complete set of documents, Apollo Munich will made the payment along with settlement letter within 30 days.
  • Payment will be made in name of proposer.



  1. Dully Filled and Signed claim form
  2. Discharge summary
  3. Investigation reports (Including original Histopathology report in case of surgical cases)
  4. Original Bills with break up & Payment Receipts
  5. X-ray / CT Scan/MRI and others reports
  6. Prescriptions for each medicine and investigation bills
  7. MLC/ FIR (in Accidental Case)
  8. Treating doctor certificate on Circumstance of injury and History of Alcohol
  9. Photograph, Address proof and Photo Identity proof of Claimant ( Proposer) – AML guidelines
  10. NEFT Details (Cancelled Cheque)


For reimbursement, please submit all documents at
a. Claims Department, Apollo Munich Health Insurance Co. Ltd., Ground Floor, Srinilaya - Cyber Spazio, Road No. 2, Banjara Hills, Hyderabad-500034, Andhra Pradesh
b. Claims Department, Apollo Munich Health Insurance Co. Ltd., 2nd & 3rd Floor, iLABS Centre, Plot No. 404-405, Udyog Vihar, Phase-III, Gurgaon - 122016, Haryana.

a. E- Mail :
b. Toll Free Number : 1800-200-3003


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