Apollo Health Insurance - Health Insurance

Weekly Guru Bargains Highlights: Apollo Group Inc, Aetna Inc ... - GuruFocus.com

14.06.09

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Private sector health insurance - Apollo DKV

Apollo DKV is one of the newer entrants in the Indian health care insurance sector. Apollo DKV was formed with the coming together of Apollo Hospitals Group and DKV, an 80 year old German Insurance giant. The company has already established its presence in all the major cities of India and additionally plans to mark its presence pan India with 100 offices at different locations. The products and services offered are valid on a “Cashless Basis” in over 4000 hospitals (including the 42 Apollo hospitals) across India and across all hospitals in India on ‘Reimbursement Basis’.

One can get all the information regarding health insurance policies from their website http://www.apollodkv.co.in/. We can even buy insurance policies online. An individual can get coverage ranging from 1 to 10 lakhs based on different plans. All plans for an individual cover in-patient treatment, pre-hospitalization and post-hospitalization expenses, and day care procedures. Some of the plans cover maternity expenses as well. Corporate plans are also available. Once you are admitted to one of the network hospitals, you need to show the Apollo DKV Card to the treating doctor. The Network Hospital will then contact the responsible TPA (Third Part Administrator, mentioned on the card) and fill up the pre-authorisation form. This is then sent to the TPA for estimation of expenses. The TPA checks the policy conditions and sum-insured and approves the estimate. A lot of private global health care insurers are now entering the Indian markets through partnerships. However, their reach is limited mostly to large cities and towns even though 50 to 60 percent of Indians stay in small towns and villages. For private health insurers...

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