Apollo Health Insurance

If you’re buying health insurance for the first time and notice “Apollo” appearing in the buying journey, it’s natural to wonder who is really providing the insurance and who will make the final decision if you ever file a claim.

This guide explains how Apollo works as a corporate agent, the different types of health insurance plans you may encounter through its platform, what it really means to buy insurance via a distributor, and the key checks you should make before you pay.

Apollo Health Insurance: Overview

Apollo Health is registered with IRDAI under licence number CA0783. Apollo Health and its platform Apollo 24|7 were established in 2021, while the Apollo group’s presence in insurance dates back to 2007 through the former Apollo Munich venture. The registered headquarters is in Hyderabad, Telangana, India.

Note: CSR refers to the claim settlement ratio, which indicates how reliable an insurer is. It measures the percentage of claims settled compared to the total claims received in a year.

Note: In case you wish to purchase from Apollo, you must contact them for complete clarity and information. The plans available can vary based on insurer tie-ups, group arrangements, and ongoing campaigns. Always check the current list of options before making a decision.

Pros of Buying Health Insurance via Apollo

01

Integrated Healthcare Ecosystem

Many Apollo health plans connect seamlessly with the Apollo 24|7 platform, giving you access to doctors, diagnostics, pharmacies, and hospitals on one app. This can make management of care (including online consults) easier than some standalone insurers.

02

Easy Digital Buying Experience

You can discover and purchase policies quickly online, often without lengthy paperwork, which is helpful for first-time buyers or families seeking convenience.

03

Additional Membership Benefits

Some Apollo plans bundle perks like Apollo 24|7 Circle membership, free online consultations, priority support, medicine delivery perks, and health record storage.

Things to Keep in Mind While Buying Health Insurance via Apollo

• Claims Are Not Handled by Apollo: Apollo only acts as a corporate agent. The insurer designs the policy, underwrites the risk, and makes the final decision on claims. Apollo can assist with coordination, but it cannot influence outcomes.
• Limited Choice of Insurers: You can only choose from Apollo’s partner insurers. This means you may not see the full range of plans available in the market and could miss options better suited to your city, hospital network, or medical profile.
• Risk of Group-Type Covers: Some policies sold through platforms may be group or group-like plans. These can change benefits or pricing at renewal and may not offer long-term continuity like individual retail plans.
• Suitability Needs Extra Care: The fast digital buying process can lead to missed details on sub-limits, co-payments, or waiting periods if you do not review the policy carefully.

How Apollo Earns Revenue as a Corporate Agent for Health Insurance?

Apollo acts as a corporate agent for insurance companies and earns a commission for distributing their insurance products, in line with IRDAI’s Corporate Agent Regulations and the Expenses of Management/Commission guidelines. This commission-based distribution model is standard practice across banks, fintech platforms, and healthcare networks.

While Apollo receives a commission for facilitating the sale of policies, the insurer alone is responsible for risk assessment, underwriting, policy terms, and claim settlement decisions. 

Note: Your health premium does not increase because the agent earns a commission. The commission comes from the insurer’s expense budget under IRDAI rules.

Regulatory and Strategic Outlook for Apollo in Health Insurance

Apollo uses its healthcare ecosystem of consultations, diagnostics, and pharmacy services to create an integrated health and insurance experience. This allows it to expand insurer partnerships, improve digital servicing, and differentiate through value-added health benefits without taking on insurance risk.

Why Choose Ditto for Health Insurance?

At Ditto, we’ve assisted over 8,00,000 customers with choosing the right insurance policy. Here’s why customers like Abhinav love us:

• No-Spam & No Salesmen
• Rated 4.9/5 on Google Reviews by 5,000+ happy customers
• Backed by Zerodha
• 100% Free Consultation

You can book a FREE consultation with us. Slots are filling up quickly, so be sure to book a call now or chat with us on WhatsApp!

Ditto’s Take on Apollo Health Insurance

Health plans offered by Apollo suit people who want solid hospital coverage along with easy access to Apollo hospitals, doctors, and digital health services in one place. Having said that, we do not recommend group policies as the coverage is tied to the group. 

Ditto Insurance is an IRDAI-licensed Corporate Agent (Licence No. CA0738, valid till 9 December 2026) with insurance advisory as its primary business. Its focus is on suitability checks, documentation support, renewals, and claims assistance across the full policy lifecycle. 

Ditto operates in the same regulatory category as platforms like Apollo 24|7 when distributing insurance. While we aim to explain this model transparently, some bias may exist. Readers are encouraged to compare channels and choose what best fits their long-term needs.

Disclaimer: Ditto has no affiliation with Apollo Healthcare. All information in this article is based on details available on Apollo’s official website and publicly available data.