Apollo Munich Optima Restore – Plan Benefits

Plan Benefits Max Bupa – HC V3 Apollo – Optima Restore Star – Family Health Optima Religare – Care with NCB
Sum Insured 5 lakh 5 lakh 5 lakh 5 lakh
Room Rent Limt Single Delux Private Room Single Standard AC Room Single Standard AC Room Single Standard AC Room
ICU Limit No Limit No Limit No Limit No Limit
Pre Hospitalization 30 Days 60 Days 60 Days 30 Days
Post Hospitalization 60 Days 180 Days 90 Days 60 Days
Ambulance 3000 per hospitalization 2000 per hospitalization as per specified limits 2000 per hospitalization
Air Ambulance Not Available Not Available 10% of the Basic Sum Insured during the entire policy period. Not Available
Day Care All Upto S.I. All All
Domicillary Tretment Upto S.I. Upto S.I. Upto S.I. upto 10% of S.I.
Maternity no no no no
Annual Health Check up Annually without limit- (Pre – Defined) Upto Rs.2500 once in 2 Years Upto Rs.1500 once in claim free year Annually
Organ Donor Upto S.I. Upto S.I. Max 1 lac Max 2 lac
Auto Refill Equal to S.I. Equal to S.I. But resotore would be trigger only if you have completely exausted your base S.I. Available 3 times at 100% each time, during the policy period only after the exhaustion of the earlier one. Equal to S.I. But resotore would be trigger only if you have completely exausted your base S.I. & Bonus
No Claim Bonus 20% of S.I. Per Year & Max upto 100% (In case of Claim, don’t get reduced) 50% of S.I. Per Year & Max upto 100% (In case of Claim, Bonus will be reduced by 50% of the base S.I.) 25% in the second year and additional 10% for subsequent years (max.100%) 60% of S.I. Per Year & Max upto 150% (In case of Claim, Bonus will be reduced by 60% of the base S.I.)
AYUSH Benefit Yes No Yes upto 20000/-
AYUSH Pre & Post Yes
One Month Exclusion Yes Yes Yes Yes
2 Yrs Std Exclusions Yes Yes Yes Yes
Pre Existing Exclusions 3 Years 3 Years 3 Years 4 Years
2 Yrs discount 12.50% 7.50%
Hospital Cash optional 2000 Per Day Rs.800 per day for max 6 days choosing shared accommodation
Vaccination for Animal Bite Upto 5000 Not Available Upto 5000 Not Available
Pre Policy Medical 100% cost on Company. If rejected 100% will pay by Customer 100% cost on Company. If rejected 100% will pay by Customer 100% cost on Company. If rejected 100% will pay by Customer 100% cost on Company. If rejected 100% will pay by Customer
Claim Based Premium Loading No Premum Loading in case of claim No Premum Loading in case of claim No Loading No Premum Loading in case of claim
Renew upto Lifetime Lifetime Lifetime Lifetime
Health Line Yes Yes Yes Yes
Service Request Helpline 180030103333 18001020333 18001030555 18002004488
Cashless approval within 30 Min
Age Restriction No Max Entry Age No Max Entry Age 65 No Max Entry Age
Co Pay No Co Pay No Co Pay 20% of each and every claim for persons above 60 years 20% of each and every claim for persons above 60 years
For detail information Please check with the respective company website.

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