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Apollo Munich Optima Restore Family Floater - 10 Lakh Vs Cigna TTK ProHealth Plus - 4.5 Lakh to 10 Lakh Health Plan Comparison

Apollo Munich
Optima Restore
Family Floater
10 Lakh
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Cigna TTK
ProHealth
Plus
4.5 Lakh to 10 Lakh
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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
3 Month
Maximum Entry Age (Child)
25
17
Maximum Renewal Age
Lifelong
Lifelong
Fees of Surgeon, Anesthetic, Nurses etc
Fully Covered
Fully Covered
No. of Day Care Treatments Covered
All
171
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 180 days
Domiciliary Treatment
Actual expenses
Not Covered
Maternity Expenses
Not Covered
Optional
Newborn Coverage
Not Covered
Not Covered
Recharge of Sum Assured
Hospital Cash Benefit
Ambulance Charges (Rs.)
2000
3000
Air Ambulance Charges (Rs.)
Not Covered
Not Covered
Recovery Benefit
Health Check up
Covered , Upto Rs.5000
Organ Donor Expenses
Actual expenses
Actual expenses
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%
Yes, 10% max upto 100%
Co-payment
Cashless Hospital Network
4000 hospitals across , 800 India
4500 hospitals across , 800 India
Free Look Period
15 days
15 days
Grace Period
30 days
30 days
International Treatment
Not covered
Covered
Tax Benefit
Yes, under section 80D
Yes, under section 80D
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