Apollo Munich Optima Restore Family Floater - 10 Lakh Vs Tata AIG Mediprime Family Floater - 2 to 5,7.5,10 Lakh Health Plan Comparison
Apollo Munich
Optima Restore
Family Floater
10 Lakh
Change plan
Tata AIG
Mediprime
Family Floater
2 to 5,7.5,10 Lakh
Change plan
Policy Tenures (Years)
1
1,2
Minimum Entry Age (Adult)
18
5
Maximum Entry Age (Adult)
65
65
Minimum Entry Age (Child)
91 days
91 days
Maximum Entry Age (Child)
25
5
Maximum Renewal Age
Lifelong
Lifelong
Fees of Surgeon, Anesthetic, Nurses etc
Fully Covered
Actual
No. of Day Care Treatments Covered
All
140
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 30 days
Post-hospitalisation Expenses
Actual expenses for Upto 180 days
Actual expenses for Upto 60 days
Domiciliary Treatment
Actual expenses
Not Covered
Maternity Expenses
Not Covered
Not Covered
Newborn Coverage
Not Covered
Not Covered
Ambulance Charges (Rs.)
2000
2500
Air Ambulance Charges (Rs.)
Not Covered
Not Covered
Health Check up
Covered , Upto Rs.5000
Organ Donor Expenses
Actual expenses
Actual expenses
Ayurvedic Treatment
Not covered
Actual expenses
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%
Cashless Hospital Network
4000 hospitals across , 800 India
No Cashless Treatment
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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