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Let’s Uncomplicate Diabetes

Active Wellness No waiting Period Rewards


Program
Wellness program and Get coverage from Day Stay healthy and earn
personalized health coach One for all hospitalisation reward points to avail
to help you monitor and arising out of Diabetes reduced premiums.
manage your health. and Hypertension.
Comprehensive Cover - No Waiting Period Sum Insured
• Day one coverage for all hospitalisation arising out of The plan can be issued to an individual only and can be
Diabetes and Hypertension. taken for the sum insureds of Rs. 2,00,000; 3,00,000;
• In-patient hospitalisation 5,00,000; 10,00,000; 15,00,000; 20,00,000;
• Pre and post hospitalisation cover of 30 and 60 days 25,00,000 and 50,00,000
respectively.
• Restore benefit Variants
• Cumulative bonus of 10% up to a maximum of 100% • Silver plan: cost for wellness tests is excluded
• HbA1c Checkup benefit • Gold plan: cost for wellness tests is included.
• Shared Accommodation benefit (Both the variants are available with a co-payment
options. You will have to bear 20% of the claim amount
• Day care coverage for 182 day care procedures.
payable)
• Emergency ambulance coverage.
• Organ donor expenses Terms of Renewal
• Life-long coverage: We offer life-long renewal unless
Designed to Manage Your Health - the insured person or one acting on behalf of an
Active Wellness Program insured person has acted in an improper, dishonest or
fraudulent manner.
• A medical check-up program that includes a bi-annual • Grace Period: A grace period of 30 days for renewing
diagnostic health check. the policy is provided under this policy.
• A personalized health coach who will help create a • Tax benefit - 80 D: The premium amount paid under
diet and fitness plan, advice you based on diagnostic this policy qualifies for deduction U/S 80D of the
records and also answer any health related queries. Income Tax Act (Tax benefits are subject to changes
• Access to a personalized health and wellness portal in Tax Laws).
that allows you to track your health, store medical
Exclusions
records online, set appointments and provide you
access to important health articles. • Any pre-existing condition (other than diabetes or
hypertension) will be covered after a waiting period of
2 years.
Rewards for Staying Healthy
• Expenses arising from HIV or AIDS and related
• Based on the results of your medical tests and key diseases.
health parameters such as BMI, BP, HbA1c and
• Congenital diseases, mental disorder or insanity,
Cholesterol we offer you incentives for staying healthy. cosmetic surgery and weight control treatments.
• Renewal premium discounts of up to 25% for • Abuse of intoxicant or hallucinogenic substances like
management of health conditions. intoxicating drugs and alcohol.
• Reimbursement up to 25% of renewal • Hospitalization due to war or an act of war or due to a
premium towards your medical expenses nuclear, chemical or biological weapon and radiation
(like consultation charges, medicines and drugs, of any kind.
diagnostic expenses, fitness packages & fitness, • Pregnancy, dental treatment, external aids and
devices dental expenses & other miscellaneous appliances.
charges not covered under any medical insurance)
• 2 years waiting period for specific diseases like
Eligibility cataract, hernia, joint replacement surgeries,
surgery of hydrocele etc.
• The plan covers individuals in the age group of 18
• Items of personal comfort and convenience.
to 65 years at entry, who are currently diagnosed
with Type I Diabetes or Type II Diabetes or Pre- • Experimental, investigative and unproven treatment
Diabetes (Impaired Fasting Glucose/ Impaired Glucose devices and pharmacological regimens.
Tolerance) or Hypertension. Diabetic dependent on • Please refer to the Policy Wording for the complete list
Insulin can also avail this plan. of exclusions.

EMAIL energy@apollomunichinsurance.com SMS ‘energy’ to 5676 7333


Apollo Munich Health Insurance Co. Ltd. Central Processing Center, 2nd & 3rd Floor, iLABS Centre, Plot No. 404-405, Udyog
Vihar, Phase-III, Gurgaon - 122 016, Haryana. Corp. Off. 1st Floor, SCF -19, Sector - 14, Gurgaon - 122 001, Haryana. Reg.
Off. Apollo Hospitals Complex, Jubilee Hills, Hyderabad - 500 033, Telangana. Tel +91 124 4584333 Fax +91 124 4584111 •
IRDAI Reg. No. 131 • CIN U66030AP2006PLC051760 • UIN APOHLIPI8126V031718 • For more details on risk factors, terms
and conditions please read sales brochure carefully before concluding a sale.