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Apollo Munich Optima Restore Family Floater - 5 Lakh Vs Royal Sundaram Lifeline Supreme - 5 Lakh to 50 Lakh Health Plan Comparison

Apollo Munich
Optima Restore
Family Floater
5 Lakh
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Royal Sundaram
Lifeline
Supreme
5 Lakh to 50 Lakh
Change plan
Policy Tenures (Years)
1
1,2,3
Minimum Entry Age (Adult)
18
18
Maximum Entry Age (Adult)
65
lifelong
Minimum Entry Age (Child)
91 days
91 days
Maximum Entry Age (Child)
25
25
Maximum Renewal Age
Lifelong
Lifelong
Fees of Surgeon, Anesthetic, Nurses etc
Fully Covered
Actual
No. of Day Care Treatments Covered
All
147
OPD Benefit
No Pre-Policy Medical Tests Age
Compulsory for all ages
Compulsory for all ages
Room Rent
Actual Rent
Actual Rent
ICU Rent
Actual Rent
Actual Rent
Waiting Period for Pre-existing Diseases (months)
36
36
Waiting Period for Named Ailments (months)
24
24
Pre-hospitalisation Expenses
Actual expenses for Upto 60 days
Actual expenses for Upto 60 days
Post-hospitalisation Expenses
Actual expenses for Upto 180 days
Actual expenses for Upto 90 days
Domiciliary Treatment
Actual expenses
Not Covered
Maternity Expenses
Not Covered
Not Covered
Newborn Coverage
Not Covered
Not Covered
Recharge of Sum Assured
Hospital Cash Benefit
Ambulance Charges (Rs.)
2000
Not Covered
Air Ambulance Charges (Rs.)
Not Covered
5000
Recovery Benefit
Health Check up
Covered , Upto Rs.2500
Organ Donor Expenses
Actual expenses
Not covered
Ayurvedic Treatment
Not covered
Not covered
Second Opinion
Not covered
Not covered
e-Opinion
Not covered
Not covered
Cumulative Bonus
Yes, 50% of the basic sum insured for every claim free year accumulating up to 100%
Co-payment
Cashless Hospital Network
4000 hospitals across , 800 India
3000 hospitals across , 800 India
Free Look Period
15 days
15 days
Grace Period
30 days
30 days
International Treatment
Not covered
Not covered
Tax Benefit
Yes, under section 80D
Yes, under section 80D
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