I have renewed 8 years without claim. When went for insurance claim first time they have rejected quoting some petty reasons.
Its like just putting your money year after year into drain. When you require it, they will screw you up. They have expert team just to reject the claims showing very petty reasons. They will some how quote saying pre existing and you have not declared. Once they write that even if you try to prove yourself that it is not is waste. They will even go to an extent to cancel your policy.
Never ever waste your money with Apollo Munich. They are big cheaters and no point fighting it with IRDA also because all are in hand and gloves. I wasted my time, money energy with them. No one will support you. Best of luck still if you get into their words while taking or renewing the policy.