Apollo munich senior citizen travel insurance Introduction
Apollo munich senior citizen travel for can be made safe with Easy Travel Senior Citizen plan.
Apollo munich senior citizen travel insurance is available in two variants:
Silver and Bronze, with sum insured options of USD 1,00,000 and USD 50,000. Isured elders can further avail benefits like coverage for dental treatment, lost passport assistance, medical advice on telephone 24×7 while traveling, personal accident coverage and many more.
Apollo munich Senior citizen travel insurance
Eligibility and conditions
- The policy covers persons in the age group of 71-80 years.
- The policy can be issued to an individual only.
- The policy can be issued for travel duration ranging upto 180 days.
Apollo munich Senior citizen travel insurance Review and key features
- Reimbursement of medical expenses incurred during hospitalization where ever possible.
- Loss of luggage assistance.
- Lost passport assistance.
- Referrals of medical service providers and hospitals.
- Embassy and interpreter referral services and much more.
- Medical advice on telephone 24×7, while traveling.
Apollo munich Senior citizen Benefits
You can select 2 different plan options ranging from $50,000 to $100,000 offering the following coverage’s
Medical Treatment, Assistance & Evacuation:
- Coverage against any emergency medical treatment requiring inpatient or outpatient care, including medical evacuation to the hospital.
Dental Care:
- Medical Expenses for pain relieving dental treatment or treatment due to an accident.
Repatriation of Mortal Remains:
- The benefit covers cost of either transporting mortal remains to the place of residence or a cremation or burial ceremony in the foreign country.
Hospital Daily Cash :
- Offers a daily cash benefit for each continuous and completed period of 24 hours of hospitalization.
Personal Accident :
- The policy will cover against death or permanent & total disablement due to an accident.
Total Loss of Checked Baggage:
- The plan covers against the loss of checked-in baggage by a carrier on which the you were travelling as a fare paying passenger.
Delay of Checked Baggage:
- The plan offers you compensation for any delay in the delivery of a checked-in baggage by a Carrier on which you were travelling as a fare paying passenger.
Loss of Passport:
- The plan will reimburse the actual expenses incurred in obtaining a duplicate or fresh passport either overseas or within 30 days of your return to India.
Financial Emergency Cash:
- In case of an unforeseen financial emergency such as theft, pilferage, robbery the policy will pay up to a lump sum amount to replace the travel funds lost.
Personal Liability:
- The policy will help cover against any legal liability (including defence costs) to pay damages for his negligence which results from a third-party civil claim for third-party death, bodily injury or property damage.
Hijack Daily Allowance:
- The policy covers against the unfortunate event of a hijacking that may occur during your travel.
| Benefits (all figures in usd) | Deductible | Silver | Bronze |
| Medical Treatment | 100 | 1,00,000 | 50,000 |
| Dental Treatment | 100 | 250 | 250 |
| Repatriation of Mortal Remains | Nil | 7,500 | 7,500 |
| Loss of Passport | 30 | 200 | 200 |
| Personal Accident | Nil | 10,000 | 10,000 |
| Personal Accident – Common Carrier | Nil | 5,000 | 5,000 |
| Personal Liability | Nil | 50,000 | 25,000 |
| Hijack Daily Allowance | 12 hrs. | 50/250 | 50/250 |
| Total Loss of Checked–in Baggage | Nil | 500 | – |
| Delay of Checked-in Baggage | 12 hrs. | 200 | – |
| Financial Emergency Cash | Nil | 200 | – |
Apollo munich Senior Citizen travel insurance policy details
| Table of Benefits | % of Sum Insured |
| Loss or Inability to function of | |
| An Arm at the shoulder joint | 70 % |
| An arm to a point above elbow joint | 70 % |
| An Arm below elbow joint | 60 % |
| A hand at the wrist | 50 % |
| A thumb | 20 % |
| An Index finger | 10 % |
| Any other finger | 5 % |
| A leg above center of the femur | 70 % |
| A leg up to a point below the femur | 70 % |
| A leg to a point below the knee | 50 % |
| A leg up to the center of tibia | 45 % |
| A foot at the ankle | 45 % |
| A big toe | 5 % |
| Some other toe | 2 % |
| An Eye | 50 % |
| Hearing in one Ear | 30 % |
| Sense of smell | 10 % |
| Sense of Taste | 5 % |
| Hearing of both Ears | 60 % |
Apollo munich Senior citizen policy cover
1. Medical Treatment:
- Coverage for Inpatient & Outpatient treatment including transportation to the medical.
2. Dental Treatment :
- Medical Expenses for pain relieving dental treatment received by the Insured Person.
3. Medical Evacuation:
- Expenses incurred in transportation from a Hospital to the nearest advanced medical facility, if medically necessary.
4. Repatriation of mortal remains:
- Payment for transporting mortal remains back home.
5. Balance Period of Policy + 30 days:
- Medical Expenses for inpatient treatment at an Indian Hospital taken within a maximum of 30 days from the end of the Risk Period.
6. Total Loss of Checked-in Baggage:
- Payment for purchasing new items if Insured Person’s accompanying checked-in baggage for an overseas journey is permanently lost by a Carrier.
7. Delay of Checked in baggage:
- Payment for purchasing essential personal items of medication, clothing etc incase checked-in baggage’s delivery is delayed by a Carrier.
8. Loss of Passport:
- Reimbursement of expenses for obtaining duplicate or fresh passport.
9. Financial Emergency Cash:
- Lumpsum amount as stated in schedule of benefits incase travel funds are lost due to the theft, pilferage, robbery or dacoits.
10. Personal Liability:
- Payment towards third-party death, bodily injury or property damage.
11. Personal Accident:
- Lumpsum amount in the event of death or Permanent Total disablement due to an accident.
12. Personal Accident (Common Carrier):
- Lumpsum amount in the event of Accident in a Carrier.
13. Hijack Daily Allowance :
- Daily fixed amount payable if the aircraft is hijacked for a period of more than 12 hours.
Apollo munich Senior citizen travel insurance claim procedure
Medical Expenses:
- Register claim at TPA/Assistance company or email at apollomunich@europ-assistance.in TPA/Assistance company would validate and authenticate the claim.
Repatriation of mortal remains:
- Fill in the claim form and submit all the documents within the 15 days.
Total loss of checked in baggage:
- Inform the airline authorities and lodge a complaint Airline authorities clearly stating the period of delay/loss.
Submit documents within 15 days of return to India.
Delay of Checked-in baggage:
- Inform the airline authorities and lodge a compliant Obtain a property irregularity report(PIR) from the airline.
- Authorities clearly stating the period of delay/loss/period of hijack Submit the documents with in 15 days of return to India.
Loss of passport:
- Lodge a complaint with the local police and contact embassy of India for getting the new passport.
- Submit documents within 15 days of return to India .
Financial emergency assistance:
- Notify police within 24 hours,obtain a written report from the police, Register claim at TPA/Assistance company.
- Reimbursement of claims will be done while the insured is abroad.
Personal Liability:
- Please do not commit any compensation or enter into any agreement with the opposite party.
- Register your claim immediately while abroad.
Personal Accident and common carrier:
- Please inform police as soon as you meet with an accident and obtain the copy of the FIR.
Hijack Daily Allowance:
- Obtain a letter from airline authorities clearly stating the period of hijack.
Trip delay:
- Inform the airline authorities and lodge a complaint.
- Obtain a letter from the airline authorities clearly stating the period of delay.
Trip cancellation:
- Inform the airline authorities and lodge a complaint.
- Obtain a letter from the airline authorities clearly stating the cancellation.
Substitute Employee:
- Fill in the claim form and submit all the documents with in 15 days.
Missed Connection:
- Inform the airline authorities and lodge a complaint.
- Obtain a property Irregularity Report(PIR) from the airline authorities.
Emergency Travel and Hotel:
- Fill the claim form and submit all the documents within 15 days of return to india.
Apollo munich senior citizen travel insurance claim form
Apollo munich senior citizen travel insurance NEFT form
Apollo munich health insurance claim form
Apollo munich senior citizen travel insurance buying procedure
To buy Apollo munich senior citizen travel insurance plan, you just need submit the proposal form,age proof,photo
Apollo munich senior citizen travel insurance proposal form
Apollo munich Senior citizen travel insurance can be purchased only if the insured person is currently in india.
Required for premium calculator:
Plan: means we have to choose the type of the plan variant
Eg:Silver-$100,000
Travel Start date:Mention your travel date
Travel End date: Mention your travel end date
Duration: Mention your trip duration
Visa type: Means Immigrant or Non Immigrant
Geography: Means Worldwide,Worldwide excluding USA nad Canada, Asiapacific excluding japan
Date of birth: Mention your birth date
Sum Insured:
eg: $ 100,000
Apollo munich easy travel insurance-family customer care
Email: customerservice@apollomunichinsurance.com
Phone: +91-124-4584333 Fax: +91-124-4584111 Sales
Toll Free: 1800-103-0555 Support Toll Free: 1800-102-0333
Corporate Office
Central Processing Center
Apollo munich Senior citizen travel insurance Exclusions and Inclusions
| Inclusions | Exclusions |
|
1.Medical Treatment 2.Dental Treatment 3.Repatriation of mortal remains 4.Loss of Passport 5.Personal Accident 6.Personal Accident (Common Carrier) 7.Personal Liability 8.Hijack Daily Allowance 9.Total Loss of Checked-in Baggage 10.Delay of Checked in baggage 11.Financial Emergency Cash |
civil war, public defense, rebellion revolution, insurrection, military or usurped acts,riot, terrorism, chemical, radioactive or nuclear contamination.
racing, diving, aviation, scuba diving, parachuting, hang-gliding, rock or mountain climbing.
|
Apollo Munich Senior Citizen travel insurance FAQs
1.How long the policy is valid?
A.Apollo Munich offers policies with option of 1 and 2 years policy period which can be renewed every year .
2.What do you mean by Medical Expenses?
A.Medical expenses, means all those reasonable and medically necessary expenses that an Insured Person has necessarily and actually incurred for medical treatment during the policy period on the advice of a medical practitioner due to illness or accident occurring during the policy period, as long as these are no more than would have been payable if the Insured Person had not been insured and no more than other hospitals or doctors in the same locality would have charged for the same medical treatment.
3.Do you offer Individual and Group policies?
A.We offer both, group and individual policies.
Apollo Munich Senior Citizen travel insurance Forms and Documents
Apollo munich Senior citizen travel insurance policy wordings
Apollo munich Senior citizen travel insurance policy Brochure
Apollo munich Senior citizen travel insurance prospectus
Apollo munich Senior citizen health insurance review