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Apollo Munich Optima Restore Family Floater - 5 Lakh Vs Star Health Family Health Optima Family Floater - 5 Lakh Health Plan Comparison

Apollo Munich
Optima Restore
Family Floater
5 Lakh
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Star Health
Family Health Optima
Family Floater
5 Lakh
Change plan
Policy Tenures (Years)
1
1
Minimum Entry Age (Adult)
18
18
Maximum Entry Age (Adult)
65
65
Minimum Entry Age (Child)
91 days
16 days
Maximum Entry Age (Child)
25
25
Maximum Renewal Age
Lifelong
Lifelong
Fees of Surgeon, Anesthetic, Nurses etc
Fully Covered
Fully Covered
No. of Day Care Treatments Covered
All
All
OPD Benefit
No Pre-Policy Medical Tests Age
Compulsory for all ages
51
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
Actual expenses
Maternity Expenses
Not Covered
Not Covered
Newborn Coverage
Not Covered
Not Covered
Recharge of Sum Assured
Hospital Cash Benefit
Ambulance Charges (Rs.)
2000
1500
Air Ambulance Charges (Rs.)
Not Covered
Not Covered
Recovery Benefit
Health Check up
Covered , Upto Rs.2500
Covered , benefit payable up to in Rs.1500/- available after every claim free year per policy
Organ Donor Expenses
Actual expenses
10% of Sum Assured , Subject to Maximum of 100000
Ayurvedic Treatment
Not covered
Rs. 15000
Second Opinion
Not covered
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%
Yes, 25% of Sum Insured after first year if claim free and additional 10% for the subsequent years
Co-payment
20% of Sum Assured , 20% of each and every claim amount for fresh as we
Cashless Hospital Network
4000 hospitals across , 800 India
8400 hospitals across , 800 India
Free Look Period
15 days
15 days
Grace Period
30 days
120 days
International Treatment
Not covered
Not covered
Tax Benefit
Yes, under section 80D
Yes, under section 80D
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