Preheat oven to 400°F (200°C). Line a prepared baking sheet with parchment paper.
In a large mixing bowl, whisk together flour, granulated sugar, baking powder, cinnamon, nutmeg,and salt.
Add cold grated butter and cut into the flour mixture with a pastry cutter until the texture looks like coarse crumbs.
Fold in the chopped apples
In a small bowl, whisk together heavy cream, egg, and vanilla extract. Pour into the dry mixture. Gently stir until the dough just comes together.
Turn dough onto a lightly floured surface. Pat into a circle about 1 inch thick. Use a bench scraper or sharp knife to cut into 6 wedges.
Arrange wedges on the prepared baking sheet. Brush tops with cream and sprinkle lightly with coarse sugar, if desired. Bake 15–18 minutes, or until golden brown. Cool on a wire rack.
In a small bowl, whisk together powdered sugar, cream, and vanilla bean seeds until smooth. Drizzle over cooled scones.