• Skip to primary navigation
  • Skip to main content
  • Skip to primary sidebar

MadhurieSingh.com

India's First Schools and Product Reviewer

MadhurieSingh.com

Author Photo MADHURIE SINGH

Madhurie Singh, India’s First Schools and Product Reviewer

Writing since 2006, honest reviews of schools, admission process, application dates and interview questions for Nursery to class 12. Read all posts to understand which is the right board/school/preschool/ coaching/product for your child. CBSE, ICSE, IB, CAIE, IGCSE, NIOS, PMShri, BSB or State Boards.
Best school or Top School need not be Right School always. Read More…

  • Home
    • about-me
  • Phone Consultation
  • Schools Reviews
    • List of Pune Schools
    • Pune School Reviews
    • Residential Schools
  • Parenting
    • Teaching in fun ways
    • Thinking Aloud
  • Product Reviews
    • Health Product Reviews
    • Recipes
    • Fat-Fit
You are here: Home / Archives for apollo munich health insurance

apollo munich health insurance

Why health insurance is not going to pay you in need!

Written By Madhurie Singh Last Modified Date: May 12, 2016

The EVILHealth Insurances

Yup! The false security that you have about your health insurance paying you in your hay day is only a dream.

So even though I took a great time researching our health insurance, we still got a shock.

We took Apollo Munich’s Health Insurance 3 yrs back.




The plan was Optima plus, where in if the insurance amount is 10 lakhs and its unused for 1st yr, the next yr, your insured amount doubles up to 20 lakhs. Hence in time of your need, you avail Rs 20 lakh worth health treatment.

Also if you have claimed for one disease this yr, you are immediately reinsured for other health treatments from next month without paying anything more till your next premium.

SO where is the catch?

The catch is in those very tiny fine lines that we never get to read before we buy the policy, nor will the agent every tell you or even want you to open and read it.

So let me tell you a secret, a rather dirty one about these insurance companies.

Their objective is to never pay you back!

The dirty trick may be one or all of these points after you have bought the policy:

  1. All diseases have a time period when it starts to show up or not to the final stage. They are aware of it. We are not. So if you go to them with a kidney disease, they know it takes say 3 yrs to come to failure stage. If you have taken a policy 3 yrs back and you were not aware of the disease, they assume that you have on purpose not informed them, hence you have connived in future surgery by taking their plan. So straight away they will refuse you surgery cover.
  2. There are a few diseases that take one, two or three years to come to surgery stage. If you have not read the insurance documents, you will be shocked to know that a lot of diseases are not covered till 3 years are over. So its best to go through a thorough health test, instead of a superficial one for your own good.
  3. Last point. They will say no first, whether you are right or not. Then they wait and respond only to those who pursue. They will not hand it down easily. You have to snatch it what is rightfully yours. Damn! Always!

So that’s what I did it last week. I sat for 2 hours at their office, talking to all possible people on phone and told them, unless, they found a solution for my problem I will not leave their office.

Then I retweeted all the dirty tweets of their past customers.

While I was thinking of getting their CEO’s number by tweeting to him directly, I was told that they have reached a decision. They will pay up the entire bill as it may come up to during and after surgery provided we signed that in future we will not claim for that same surgery again. We did that immediately.

By next morning we got the authorization of the going ahead with the surgery cashless at Apollo.

Filed Under: Health Product Reviews Tagged With: apollo munich health insurance, how insurance rips you using your ignoranceLeave a Comment

Primary Sidebar

Admission Eligibility

Age Eligibility Calculator

Age Calculator




Age Eligibility Criteria

Age Eligibility Criteria

Class Minimum Age Maximum Age
Playgroup 2 years 2 years 11 months
Class Nursary 3 years 3 years 11 months
Class JrKg 4 years 4 years 11 months
Class SrKg 5 years 5 years 11 months
Class 1 6 years 6 years 11 months

Search This Blog

Categories

Viral Articles

  • How I Taught My Kids to Self Study
  • How to Boost Confidence in Children
  • List of school reviews
  • Admission Dates of Pune Schools
  • CBSE, ICSE, IB, IGCSE - How to Choose Right School Board?

Important Articles

  • Top CBSE Schools in Pune
  • Pune School Admission Dates 2013-2014
  • Questions for Parents in school interview
  • Interview Question for Jr, Sr, Nursery Class
  • What is the right age to take admission
  • How to select best school?

My Favorite

  • Calcium Sandoz contains Aspartame that kills brain cells!
  • Compare health drinks for kids
  • How does an apple tree know it has to make apples and not mangoes?
  • Do you want a genius baby?
  • Review of Pediasure Protein Health Drink for Kids

All Posts




  • Admissions
  • Terms and Conditions
  • Privacy Policy
  • Disclaimer
  • Sitemap
  • Workshops
  • Contact
  • New Parents Start Here

MadhurieSingh.com a venture of Edugrade Consulting © 2006–2023