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Apollo Munich and Its Maternity Coverage

The Apollo Munich Health Insurance is well known for offering complete coverage to an insured. It is because Apollo Munich ahs adopted unique ideology of designing products according to people's healthcare needs. The company has designed plans that work on principle of indemnity as well as plans that work on principle of benefits. The former offers cover to medical expense incurred, while later offer lumpsum payment, as stated in the plan's terms and conditions.

Research shows that people generally forget that the major cause of hospitalization is maternity. But, the company takes care of it and thus, offers maternity coverage with its Easy Health and Maxima plans. Both these plans are indemnity plans but this maternity benefit is associated with lumpsum payment, regardless of the expenses incurred.

Easy Health plan offers this benefit with a waiting period of 6 years. Standard, Exclusive and Premium are three variants of Easy Health. This benefit is only included in two of the variants-- Exclusive and Premium. The description of this benefit under each variant is as follows:-

Exclusive variant: It pays Lumpsum amount of Rs. 15,000; in case of normal delivery and Rs. 25,000; in case of caesarean delivery. Pre or post natal limit of Rs. 1,500 and New Born limit of Rs. 2,000 are also included in this cover.

Premium Variant: It pays Lumpsum amount of Rs. 25,000; in case of normal delivery and Rs. 40,000; in case of caesarean delivery. Pre or post natal limit of Rs. 2,500 and New Born limit of Rs. 3,500 are also included in this cover.

Maxima is India's first 360 degree plan. This plan also offers maternity cover with a waiting period of 4 years. Here the payment made is same as that in Exclusive variant of Easy Health policy.

In addition to it, Apollo Munich also offers Newborn Baby coverage. It is an additional and optional benefit in two variants of Easy Health (Premium and Exclusive) as well as with Maxima.