For the first time in the health insurance industry, the two individual companies come together to offer a single plan to people. HDFC Life and Apollo Munich jointly announced to bring in a ‘Click2Protect’ plan that has the benefits of both life and health insurance policies. This one-of-a-kind project gives the maximum benefits in terms of offering discounts and other essential advantages.
Both HDFC Life and Apollo Munich have combined their two prime planes – Click to Protect 3D Plus and Optima restore Health Indemnity Plan – together along with 5% discounts on the premium. The offer is, no doubt, a tempting one that helps people get the right plan by filling a single proposal form.
The benefits of two plans can be available in Click2Protect that involves a simpler procedure to get you enrolled under it. One proposal form, one medical test and one premium are designed for this.
Apollo Munich also gets the benefits of wide empanelled hospitals of HDFC and extends their coverage area across all medical centers. Those who are willing to buy the product can visit their offices or their authorized distribution partners near you.
The discount benefit of 5% will be increased to 8% if the insured completes 10, 000 steps daily and the increased discount will add to the plan at the time of renewal. For this, the insured must connect his smart phone with the company’s servers.
Under the health plan, a 30-year-old will get 30-year-Rs 50 lakh term cover and 3 lakh health insurance for the premium of 860 a month. The term of health insurance is subject to change with time and as per the companies’ policies.
This new plan takes care of every need and offers some new benefits for your health. It waives the premium in case of accidental, permanent disability or diagnosis of critical illnesses. Special premium rates are introduced for women and non-tobacco users.
Besides this, the benefits designed by two companies for this plan are many. You can get covers for in-patient treatments, pre and post hospitalization costs and restore benefits. Some common features are also there like claim-free year bonus and double sum insured benefit in case of claim-free two consecutive years.
This plan will definitely come up with lots of promises for the insured. Never-heard-before benefits protect policyholders from every corner.