Apollo Munich Health Insurance (now HDFC Ergo) is a joint venture between India's HDFC and Germany's ERGO International AG. It offers policies across motor, travel, health and other sectors. It recently acquired Apollo Munich Health Insurance company and now has the largest network of cashless hospitals in the country. It's health insurance policies offers a coverage of 3 lacs to 75 lacs.
Claim Settlement Ratio NA
Network Hospitals 10,000+

Apollo Munich Health insurance plans

Health insurance claim process for Apollo Munich

Inform the insurer

If it is an emergency, you can immediately get admitted in the hospital and then within 24 hours, you need to inform the Apollo Munich people. But in case of planned hospitalization (like Cataract or Knee replacement), you need to inform them atleast 48 hours before hospitalization

Fill in the forms

You need to provide a copy of your insurance policy and an ID proof and you need to fill in a small questionnaire so that the hospital/TPA desk can reach out to your insurer for the approval

Claim approval

Once your request is approved, hospital will start providing you the required treatment and you won’t have to pay any amount. In case the request is rejected, you will have to pay, but worry not, you can apply for a reimbursement once you are discharged

Apollo Munich Health insurance contact details