Preheat oven to 180C or 160C (fan-forced). Line a 12-hole, ⅓-cup muffin pan with paper cases.
Combine flour, sugar, chia seeds and ginger in a large bowl. Make a well in the centre. Whisk milk, egg and oil in a jug. Pour the milk mixture into the well. Stir until just combined. Stir in the apple (don’t overmix).
Divide among cases. Sprinkle with oats, pumpkin seeds and cinnamon. Bake for 20-25 minutes or until a skewer inserted in centres comes out clean. Cool on a wire rack.
