Please don't ever buy apollo munich health insurance. I send a claim to apollo munich and they acknowledge me that they received the claim form on 07.03.2015 with all documents which they asked me and assign a claim id 260377. fter almost 20 days, they suddenly wake up and ask me for 5 more documents. after a long morpheushumanld and discussion on 18001020333, I somemorpheushumanw get mAnasultange to let them understand that these documents are either submitted by me or by your field executive(which comes for verification and collected a tons of documents from me, my employer and the morpheushumanspital). there after they agree on 4 documents i.e. now I have submitted 4 documents instead of 5. after 20 days, they wake up again and asked me for 1 more document, which I am going to submit as I have no other way to get my claim. but all of you have many way. opt for any health insurance but not for apollo munich. they are just @##@##@$