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A New Start in The New Year !!!!!!!!!!!
Starting this year you will be able to find reviews on various Health insurance policies available. As such will help you decide on the one you will wish to have. It may be noted and informed that THE REVIEWS GIVEN BELOW ARE BASED ON PURELY PERSONAL OBSERVATIONS & DOESNOT INTEND ANY PROMOTION OR SALE OF ANY POLICY OR PRODUCT OF ANY INSURANCE CO.


REVIEW ON APOLLO MUNICH HEALTH INSURANCE


EXCLUSIVE POLICY ON DENGUE




This policy is an exclusive product Covering Only DENGUE  introduced by Apollo Munich Health Insurance Company Limited.
More on this policy.....
The policy is available in two sum insured’s one is Rs.50000 and other is Rs.100000/-
This policy covers in patient hospitalization due to dengue only for admissions more than 24 hours.
This plan can be bought by age between 18 to 65 years. It is available only on individual basis not floater basis. if parents are getting covered they can get their children also covered.
The plan is valid for one year, thereafter can be renewed.
There is no pre medical checkup for this policy irrespective of age
It also cover's expenses related to pre and post hospitalization due to dengue.15 days pre hospitalization and 15 day post hospitalization expenses.
It also has the below benefits...
Outpatient benefits maximum up to rs.10000 only.
The following benefits are available to all Insured Persons during the Policy Period if NS1 (nonstructural protein 1) is positive in result. Any claims made under these benefits will be subject to Out-patient Sum Insured.
Outpatient Consultations - Outpatient consultation by a general Medical Practitioner for treatment of Dengue fever.
Diagnostic Tests - Outpatient diagnostic tests for Dengue fever taken by the Insured Person from a diagnostic centre
Pharmacy - Medicines purchased by the Insured Person from a pharmacy, provided that such medicines have been prescribed for treatment of Dengue Fever.
Home Nursing - We will also reimburse the Medical Expenses for necessary medical treatment taken by the Insured Person by our empanelled medical practitioner at home for treatment of Dengue fever.
Other Benefits
Cashless Service - You need to obtain a pre-authorization for all planned admissions atleast 48 hours prior to actual admission or regularize any ‘emergency’ admission within 24 hours post the admission. The details of the process and the documentation requirements are given in the claim procedure document.
Tax Benefits - With the Dengue Care Plan you can presently avail tax benefits for the premium amount under Section 80D of the Income Tax Act. (Tax benefits are subject to changes in Tax Laws)
SYMPTOMS OF DENGUE

REMIDES


As Dengue on a rise, in my personal view it is a must have in one's portfolio, one can claim expenses under this plan, without disturbing their other health insurance thereby preventing loss of bonus in case of claim.

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