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Apollo Munich Health Insurance Image

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12%
1.34 

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Apollo Munich Health Insurance Reviews

Change the premium any time like double
Oct 08, 2020 01:43 PM2939 Views

This is failed company please, don't buy because it's increase the premium any without info, like double


Worst service
Jun 09, 2020 11:36 AM4420 Views

Have bad experience with your service.since last 4 week I got new payment link with different amount to renew my policy. you people make fool to customer.my payment is already done as per your link but still you demand more payment. after 10 days I am not getting my policy.when we call customer care case id resolve by itself without any solution.if you have too much time during renewal than by this hdfc policy.contact me for detail.-962456xxxx member id-10008739172 if you want I can share all mail which I received with different premium for same policy.case id 6946185 which is active solve by itself tomorrow.


Poor turnaround time, bogus promises - never buy
May 27, 2020 04:49 PM4633 Views

I had very positive image of Apollo Munich Health Insurance but it turned out to be nightmare for me to purchase a policy from them. It was poor turnaround time, bogus promises and undue delays without any follow ups throughout the process. Customer service provided the pre-defined responses like a bot. If during policy purchase everyone is behaving like this, imagine how everyone will behave if someone will raise a claim.


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Apollo munich/hdfc ergo/ can bank customers scam
Apr 30, 2020 08:42 AM4587 Views (via Mobile)

We have been scammed with insurance regulatory development authority of indias lax oversight and even less control. They are supposed to ensure you are not cheated. In nov dec amhi closed the plans coerced us to upgrade to another 5000 k costlier plan. Soon as that payment was made they told us now we were under hdfc ergo health. Never received any policy doc from hdfc ergo. Now as of 15 apr 2020 hdfcergo is also closed and canarabank our original master


Plan holder for their customers is trying to shift us to some bagic or tragic. You can find irda chairman and complaints email and send them a complaint. I have sent a complaint asking for a prorata refund for the unused premium from apr to dec 2020. Lets see what they do. Irda were party to a similar trick with max newyork life insurance. We indians protected under govt run lic were throw to the wolf pack


Of foreign insurers when the industry opened up. Irda doesnt have any control over them but pretend they do by issuing public interest ads when too many complaints come in. Its a racket involving impotent over seer and innocent publics hard earned money every year.


Moderate
Jan 01, 2020 12:39 PM5817 Views (via Mobile)

Before taking insurance, representative will be behind you like anything.Once premium amount is paid, they dont care.Even you ask any doubt or submit all Bill's or even admitted in hospital, no one cares. Life is precious for all but this insurance co, omg....When I admitted in Apollo hospital, trichy, they asked all apollo munich documents.But at the time of discharge, not approving Bill's.Why like this.Ambulance is waiting to transport me from trichy to chennai.Kindly dont play with life


prab71MouthShut Verified Member
Pune India
Bad for health insurance
Dec 26, 2019 09:43 PM7867 Views

Had taken a health insurance cover with Apollo Munich with opd.


At the end of the year filed opd claims with proper bills & doctor's prescription.


After filing the claims more than 2 months elapsed & there was no response. After sending several reminder's got a mail stating claim has been rejected. The grounds for rejection were never specified.


My claim bill did not amount more than Rs 10, 000 & still they found out some way of rejecting it. Had to take it up in social media still got no response from the company.Posted several times on their facebook account but no response. I received empathy from a lot of people who suffered the same way at the hands of Apollo Munich.


They are doing like this for paltry claims. Don't know what they do with big hospital bills.


Have changed my health insurance company & will never have any dealing with Apollo Munich.


Will never recommend them to anyone.


Ludhiana, Punjab, India India
Worst policy, It is a scam
Nov 18, 2019 07:37 PM7137 Views

It is worst policy. They are scammers. You can not claim your own hard earned money. Never take this policy.


Very bad Company in terms of claims processing
Nov 15, 2019 03:15 PM4864 Views

I took a health policy & have regularly paid premium for last 5 years. Last month when I had a small claim, Apollo rejected claim saying undisclosed pre-existing disease. Which was already disclosed in my proposal form. Also they cancelled my family policy and eaten last five years premium.


VERY BAD EXPERIANCE.I DID NOT GET CLAIM
Oct 21, 2019 11:26 AM5954 Views

I TOOK POLICY FROM MUTHOOT FINCORP VAZHUTHAKKAD BRANCH, TRIVNDRUM, I GOT HOSPITALIZED IN MIMS, I TRIED TWO MONTHS TO GET MONEY FROM INSURANCE, THEY DENIED, .DEAR PEOPLE, U SHOULD NOT TAKE POLICY FROM APOLO


Bad experience. Never again
Oct 13, 2019 01:03 AM4371 Views

I bought apollo travel insurance when I flew my family from Mangalore to Bangalore. Due to a death in the family, we could not fly on the scheduled day. I called Apollo & they assured me that as soon as I produce a death certificate, that they would reimburse the amount.


I live abroad & for the international flight, I had purchased American Express travel insurance. I had to reschedule my international departure as well.


I provided documents to both companies. It took me less than 10 days to get reimbursed from America Express


I am waiting for more than 3 months to get anything from Apollo. It looks like a total fraud company. All I get is automated emails with a new case number every time I try to follow up.I will never buy travel insurance while flying in India & take my chances.


Apollo - Please learn from American Express about customer service.


Very bad company in all aspects.
Sep 26, 2019 08:09 PM5161 Views

I claim a medical expenses in panel hospital of this company. but I did not received any claim even after 2 months of claim. they are just delaying claim of baseless facts. they are demanding more and more papers even after survey by their medical team. I was hospitalized in a hospital of their panel. but this hospital deney for cashless facility so I have to claim my expenses. it is very tough and time consuming process. company not supportive. company denying claim on baseless facts even after all papers submission as required by their team. I submit all papers as they ask but after all this company cancel my policy one sided without paying my claim.


Worst insurance company when you ask for a claim
Sep 13, 2019 11:05 PM4545 Views (via Mobile)

I have been paying premium for last 8 yrs and when time came to get admitted for a day care procedure, they rejected the claim on frivolous grounds. Good luck to all who still want to go ahead with this company


Uttarkashi India
Worst service provider
Sep 06, 2019 10:56 AM12941 Views (via Mobile)

I took policy 3 yr back recently hospitalized for small surgery . They didn't settle claim as give every time new excuse


Fake company
Aug 30, 2019 07:47 AM12444 Views (via Mobile)

Bad experience with this fraud company apollo munich insurance is a fake company.From last 2 years they r taking premium from us but no benefits from that side.


Apollo Munich Health Insurance — non repayment
Aug 21, 2019 02:30 AM4304 Views

I had submitted online application for Apollo Munich I can purchase policy with premium amount of rs.18, 176.72. My application no. Is NW1401F90A. After few days, they sent a new proposal to pay additional amount of rs. 2, 706.00. I rejected it and asked them to cancel my application during telecon. But they have still not returned my money re. 18, 176.72. Please help me to get back my money.


Muzaffarpur India
Don't trust Apollo Munich.
Jul 23, 2019 02:21 PM16694 Views

I purchased a health insurance policy with Apollo Munich in May 2018. This year my due date to renew this policy was 29th of may. I had no claim for previous year so I was also eligible for no claim benefit of 2.5 lakhs. During the first year of policy I took treatment for my neck. I proactively informed apollo munich about this and sent my first visit prescription, second visit and reports to them as good note declaration. At the time of purchasing policy. My wife has thyroid as soon as I realised this I sent them the test report that we had done without any doctors advise as one of our relatives advised some home remedy to it as it's not severe and can be treated easily as of now. I informed Apollo munich on 22nd of May as my policy was expiring on the 29th they asked me to wait unless I get a response from their team and don't make payment. Thereafter I have done multiple follow up's each day and I received numerous email but it was never resolved until one of their advisers asked me to make payment on the 22nd on june as they have a grace period to renew the policy. Thereafter it's been 23rd of july and they really treat customers like an idiot there is no first call resolution policy and their customer service is pathetic this is the 23rd of july and I had a word with them yesterday again, somebody called me today and started explaining about an email which was sent on the 5th of july whereas after receiving that email I received a call from their grievance team saying that it will be resolved soon within a week. Everytime I tried to get this fixed they sent me email with AMHI number and reference and never issued my policy. I feel that as now they know that I have got a slip disk problem and soon might be in need to making a claim they made me so much frustrated that I had to ask for a refund of my premium that I had paid to them. They never transfer calls to supervisor on the floor and when supervisor calls he has no idea what he is calling for. Today when the agent called me he took my refund request a.s.a.p as if he was already prepared to do it without looking for a conclusion to issue the policy. Lousy, pathetic, worst company to book an insurance ever. You can never trust this company when you are in need as even for such simple issue they advised me 4 different times to wait for a week and so on. If I book my health insurance with a new company now they will charge me a high premium as now I have got a pre-existing medical condition. If you have an existing policy with them get this cancelled as soon as possible because you are never going to get any help.


No proper explanation
Jul 20, 2019 07:27 PM5466 Views (via Mobile)

Very poor service instead of increase in amount of approving second time they reduced it and even brand hospital Columbia Asia has very poor customer service. There is no point in taking insurance n treatment from such brands. There agent lie us and this we come to know after talking to customer care


Hyderabad India
Never buy health policy from Apollo Munich Health
Jul 09, 2019 12:23 PM6268 Views

I have renewed 8 years without claim. When went for insurance claim first time they have rejected quoting some petty reasons.


Its like just putting your money year after year into drain. When you require it, they will screw you up. They have expert team just to reject the claims showing very petty reasons. They will some how quote saying pre existing and you have not declared. Once they write that even if you try to prove yourself that it is not is waste. They will even go to an extent to cancel your policy.


Never ever waste your money with Apollo Munich. They are big cheaters and no point fighting it with IRDA also because all are in hand and gloves. I wasted my time, money energy with them. No one will support you. Best of luck still if you get into their words while taking or renewing the policy.


Chennai/Madras India
Worst Health Insurer Ever!!!
May 25, 2019 05:15 PM7507 Views

I paid premium for 5 years. When a claim request was made, they rejected the claim stating health declaration was not correct. They rejected despite all the information provided to them at the time of taking the policy. DO NOT get lured with low premium(If at all they provided one), It makes not sense if you do not get the claim paid by the insurer


Say "No to Apollo Munich" - it's one way premium
May 11, 2019 12:31 PM21355 Views

My experience with this company and product is the worst. I had no-claim for 6 long years for my mother(we paid additional money based on certain pre-existing health conditions). When she recently had a cataract in the very popular eye hospital the insurance company made all efforts to find reasons to reject it. They demanded all records from the hospital specifically prior to policy begin date. I heard from the hospital that only Apollo Munich is doing all these things.


Based on certain observation, they rejected the claim saying that there are indications that even prior to policy term, symptoms of cataract exist. This was a real shocker and had a bad experience the way they have handled the situation at the time of need.


This is totally in contrast with the experience I had with my father's surgery where we have policy with Star Health. It was seamless transaction.


We should say'no to companies which has one-sided contract' especially with insurance. I will certainly say'No to Apollo Munich" - you have cheated us.


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