Family Floater Health Insurance from Applo Munich

POSTED BY Satnam ON December 5, 2013 5:59 pm COMMENTS (6)

I’m 36 years of age, married with 2 kids. I have a health care plan for my family from Apollo Munich – Family Floater since last 2 years.

Annunal premium- Rs 12207

I’m not very much sure that the above plan is good enough for me and my family in terms of benefits and of course the premium I would be paying in the Long run.

Please suggest if this is the best health plan for me or if there is another plan can I switch to that considering all factors of benefits and premium in the long run.






6 replies on this article “Family Floater Health Insurance from Applo Munich”

  1. ashalanshu says:

    Dear Satnam, instead of a bank linked discounted policy, I w’d prefer a standard policy dirdctly from Insurer. The reason is in future this bank-insurer tie up can be canceled and you ‘ll remain insurance less.



  2. Satnam says:

    Hi Ashal,

    Could you please give your suggestion on a health insurance from PNBOriental insurance, the name of the product is PNB-Oriental Royal Mediclaim policy.
    It looks the premium is very reasonable for the account holders of PNB bank but most of the feature are not available as of Appolo Family Floater.

    Please suggest!


  3. ashalanshu says:

    Dear Satnam, it’s OK. Relax. 🙂



  4. Satnam says:

    Sorry misspelled your name above 🙁

  5. Satnam says:

    Dear Sshalanshu,

    First of all thanks a lot for the reply!

    I don’t have any personal pain point regarding the current plan. However I came to know from one of my friends that in the LONG run; the premiums would be much high as compared to couple of other products from different companies in the market.

    Could you please guide me with the same keeping in mind the premium in the long run and the pros & cons of Optima Restore from Appolo with other products!


  6. ashalanshu says:

    Dear Satnam, how did you come to the conclusion that the policy is not upto the mark for your needs? Did any claim file by you, got rejected by the company?

    What is the pain point?



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