| 7- Family Floater Coverage - Easy Health Family Floater Insurance Plan from Apollo Munich |
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| Source : Website of Apollo Munich Insurance Company Limited |
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| 1. It is entirely for the Insured Person to decide whether to obtain an E-opinion, from which person from Our Panel to take the E-opinion and the use (if any) to which the E-opinion so obtained is put. |
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| 2. We do not provide an E-opinion or make any representation as to the adequacy or accuracy of the same, the Insured Person’s or any other person’s reliance on the same, or the use to which the E-opinion is put. |
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| 3. We assume no responsibility for and will not be responsible for any actual or alleged errors, omissions or representations made by any Medical Practitioner or in any E-opinion or for any consequences of any action taken or not taken in reliance thereon. |
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Section. 4 Critical Illness Benefit
Claims made in respect of any of the benefits below will not be subject to the Sum Insured and will not affect either the entitlement to a Cumulative bonus or a health check-up. |
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| If the Schedule shows that the Critical Illness benefit is effective, then We will pay the Critical Illness Sum Insured as a lump sum in addition to Our payment under 1)a), provided that: |
- The Insured Person is first diagnosed as suffering from a Critical Illness during the Policy Period, and
- The Insured Person survives for at least 30 days following such diagnosis.
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| b)We will not make any payment if: |
- The Insured Person is first diagnosed as suffering from a Critical Illness within 90 days of the commencement of the Policy Period and the Insured Person has not previously been insured continuously and without interruption under an Easy Health Individual Health Insurance Plan or Easy Health Family Floater Insurance Plan.
- The Insured Person has already made a claim for the same Critical Illness.
- A claim for this benefit has already been made 3 times under this Policy or any other policy issued by Us.
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| Section. 5 Renewal Incentives |
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- Cumulative Bonus
- If no claim has been made under the Policy and the Policy is renewed with Us without any break, We will apply a cumulative bonus to the next Policy Year by automatically increasing the Sum Insured for the next Policy Year by 10% of the Sum Insured for this Policy Year. The maximum cumulative bonus shall not exceed 50% of the Sum Insured in any Policy Year.
- In relation to a Family Floater, the cumulative bonus so applied will only be available in respect of claims made by those Insured Persons who were Insured Persons in the claim free Policy Year and continue to be Insured Persons in the subsequent Policy Year.
- If a cumulative bonus has been applied and a claim is made, then in the subsequent Policy Year We will automatically decrease the cumulative bonus by 20% of the Sum Insured in that following Policy Year.
- Health Check-up
If no claim has been made in respect of any benefits and You have maintained an Easy Health Individual Health Insurance Plan or Easy Health Family Floater Insurance Plan with Us for the period of time mentioned in the Schedule of Benefits without any break, then in every subsequent Policy Year We will pay upto the percentage (mentioned in the Schedule of Benefits) of the Sum Insured for this Policy Year or the subsequent Policy Years (whichever is lower) towards the cost of a medical check-up for those Insured Persons who were insured for the number previous Policy Years mentioned in the Schedule.
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