Focusing on people’s hard earned money in health insurance plans, mostly post retirement people, health insurer Apollo Munich Health Insurance on Thursday introduced new health insurance plan called ‘Health Wallet’ under new category ‘Winsure’.
Speaking at the launch Antony Jacob, CEO, Apollo Munich Health Insurance said, “With respect to healthcare financing there are few insights worth sharing. First one that I wish to share is that Indian customers are very judicious as they always look for value for money and it has been imbibed in their minds to save money and plan for their future. Secondly, post retirement people are worried about funding health insurance premiums as the premiums are on the higher side as you advance in your years. These two important insights have led us to reinvent the health insurance industry with our new category Winsure, along with a revolutionary product Health Wallet.”
“Approved by regulator Insurance Regulatory and Development Authority of India (IRDAI), Health Wallet is set to redefine the health insurance category by addressing pertinent questions such as value for money. It not only addresses the current needs of the customers by paying for their hospitalisation and OPD expenses that are usually not covered by health insurance policies, but also ensures affordability of continuing their policy in later years,” said Antony Jacob.
Other features of the product include creation of a reserve kitty for the customers that can be used for a variety of out-of-pocket expenses such as speech therapy, purchase of medicines, vaccinations, dental expenses, diagnostic tests, spectacles, contact lenses and medical devices and also allows the user with the flexibility of paying for ‘non-payable items’ that are generally excluded from any health insurance.
“As a unique offering, it pays for other medical expenses that are not covered under any other medical insurance such as cosmetic treatment, Alzheimer’s etc. Last but not the least, customers can even use this reserve amount to fund for co- payment and deductible cost,” he said.
“Every year the unused reserve amount gets carried forward and earns a 6 per cent bonus,” he said, adding, this accumulated reserve kitty can in turn be used to pay up to 50 per cent of the renewal premium, post five continuous renewals.
The company also announced the appointment of Bollywood celebrity Farhan Akhtar as the brand ambassador of the insurer.
On associating with actor-filmmaker Farhan Akhtar, Antony Jacob said, “We have a few values — honouring commitment, innovation, relationships which go beyond a particular transaction and to be accessible at all times. We found all these qualities in Farhan.”
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