Apollo Insurance: Plans, Benefits, Premium & Claim Process 2025

India me health aur life insurance kaafi rapidly grow kar raha hai, aur log apne future ke liye secure hona chahte hain. Apollo Insurance, jo pehle Apollo Munich Health Insurance ke naam se popular tha, ab HDFC ERGO Health Insurance ka part ban chuka hai.

Lekin abhi bhi log Apollo Insurance keyword se health aur life insurance search karte hain. Ye blog aapko detail me batayega:

Apollo Insurance ka background
Health & term insurance plans
Premium example
Claim process
Benefits aur FAQs

About Apollo Insurance

Company Origin: Apollo Hospitals aur Munich Health ke joint venture se shuru hua tha (2007).
Current Status: 2020 me Apollo Munich Health Insurance ko HDFC ERGO ne acquire kar liya.
Now Known As: HDFC ERGO Health Insurance (previously Apollo Munich).

Iska matlab hai ki agar aap Apollo Insurance search karte ho to actually aapko HDFC ERGO ke health insurance plans milege.

Key Features of Apollo (HDFC ERGO) Insurance

✅ Wide Network Hospitals – 12,000+ cashless hospitals India me.
✅ High Claim Settlement Ratio – ~98%+ (2024 IRDAI report).
✅ Affordable Health & Term Plans – Different budgets ke liye options.
✅ Digital Claim Processing – Paperless aur fast.
✅ Tax Benefits – Section 80D (Health) & 80C/10(10D) (Term plans).
✅ 24×7 Support – Emergency claim assistance.

Apollo (HDFC ERGO) Health Insurance Plans 2025

1. Optima Restore Health Insurance (Old Apollo flagship plan)

Sum insured: ₹3 lakh – ₹50 lakh
Automatic restore of sum insured after usage
Coverage: hospitalization, daycare, pre & post hospitalization
Family floater option

2. my:Health Suraksha

Customizable health insurance plan
Covers AYUSH treatment, ambulance, maternity (optional)
Suitable for families

3. Critical Illness Plan

Covers 15–30 critical illnesses like cancer, heart attack, kidney failure
One-time lump sum payout

Apollo (HDFC ERGO) Term Insurance Options

Although Apollo Munich originally health insurance provider tha, ab HDFC ERGO ke through aapko life & term insurance options bhi milte hain:

Pure Term Plan – Low premium, high coverage
Term + Riders – Critical illness, accidental death cover
Return of Premium Plans – Policy complete hone par premium back

Premium Example (2025 Estimate)

Health Insurance (Apollo / HDFC ERGO Optima Restore):

30-year-old, individual, ₹10 lakh cover → approx ₹9,000 – ₹12,000 per year

Term Insurance (Apollo via HDFC ERGO):

30-year-old, non-smoker, ₹1 crore cover, 20 years term → approx ₹550 – ₹800 per month

Claim Process – Apollo (HDFC ERGO) Insurance

Step 1: Claim intimation on HDFC ERGO website/app or call center.
Step 2: Submit required documents (ID, policy copy, hospital bills, death certificate for term claim).
Step 3: Claim verification by insurer.
Step 4: Settlement – Cashless hospitalization claims processed in 2–4 hours, reimbursement within 7–15 days.

👉 Health claims: Cashless facility available in 12,000+ hospitals.
👉 Term claims: Settlement within 30 days (IRDAI guideline).

Benefits of Apollo (HDFC ERGO) Insurance

Trusted Apollo Legacy – Backed by Apollo Hospitals + Munich Re.
Strong Claim Ratio – 98%+ health claims settled.
Wide Hospital Network – Cashless facility in almost every city.
Multiple Plan Options – Health + critical illness + term plans.
Digital-First Process – Easy policy buy, renewal and claim online.
Affordable Premiums – Suitable for middle-class families.

How to Buy Apollo (HDFC ERGO) Insurance?

Visit HDFC ERGO official website.
Choose Health / Term Insurance section.
Enter details (age, city, sum insured).
Compare plans & premiums.
Upload KYC documents (Aadhaar, PAN).
Pay online → Policy issued instantly.

FAQs – Apollo Insurance

Q1. Is Apollo Insurance still available?
👉 Apollo Munich Health Insurance ab HDFC ERGO Health Insurance ban gaya hai.

Q2. Which Apollo plan is most popular?
👉 Optima Restore Health Insurance plan abhi bhi sabse popular hai.

Q3. Apollo Insurance me claim kaise karen?
👉 HDFC ERGO website/app par intimation do, documents submit karo aur cashless/reimbursement claim settle hota hai.

Q4. Apollo Insurance ka claim settlement ratio kya hai?
👉 2024–25 data ke hisaab se health claims ka CSR ~98% hai.

Q5. Apollo Insurance ka premium affordable hai kya?
👉 Ji haan, individual health plan ₹9,000–₹12,000 yearly aur term plan ₹550–₹800 monthly se shuru hota hai.

Conclusion

Apollo Insurance (now HDFC ERGO Health Insurance) ek trusted brand hai jo health, critical illness aur term insurance plans provide karta hai. Iske wide hospital network, strong claim ratio aur affordable premiums isse India ke top insurers me rakhta hai.

👉 Agar aap Apollo Health Insurance ya Apollo Term Insurance search kar rahe ho to ab aapko HDFC ERGO ke updated plans consider karne chahiye.

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