Parent Company Fortis Group

Entry Parameters

Plan Individual & FloaterAge @ Entry No Limits

Renewals Life Long renewalsInpatient Treatment CoveredPre Hospitalisation Upto 30 daysPost hospitalisation upto 60 days

Private room

Day care Procedure 170Any sublimit No capping

Restoration of Basic SI

NO Claim Bonus

Not applicable

Pre Screening Medicals Age above 46 at company costCopay No

Organ donor CoveredDomicilliary Treatment Covered

DAILY Cash Benefit 500 per day upto 5 daysHealth Check Up Every year from first year

Ambulance charges 2000 and more per claimMax Sum Insured 60 lac

Premium for 5 lac 16080 (NCB Super)14618 (Normal Care)

Religare Care with NCB Super

Room Rent & Icu Charges, doctor fees, other charges

100% automatic Recharge in case of any claim

No Claims Bonus on Sum Assured for Every claim free year sub to max of 150%

(60 , 60 , 10 , 10 , 10 )

Claim based Loading on renewals

Waiting period for exclusions

Waiting period 24 months for certain diseases.

BenefitsYearly check up for 2 adults

150% NCB

No cap

Auto Recharge on any claim

Cashless Network in Ambala

Bansal Hospital (Civil Lines)

Jaspal Nursing Home (Model Town)

Leelawati Hospital (Inder Nagar)

Mehra Hospital (Police Lines)Saket Hospital (Jagadhri Road)

1. Sum Insured ….. Religare care is better than Optima restore as it has option of sum insured enhancement upto 60 lac , where as Optima restore has maximum sum insured of 15 lac.

2. Restore vs Recharge :- Religare Care has again edge over Optima Restore as recharge option is far better than restore. It works like giving double sum insured from very first day.

3. Room Rent :- Optima restore has no room rent limit , where as Religare care allows maximum Private room (Sum Insured 5 lac and above) . Here Optima Restore is similar to Religare care.

4. Claim based Loading :- Here both products are similar as there is no claim based loading

5. Premium:- Not a significant difference

6. Annual Health Checkup :- Religare care is better than Optima restore due to this major Feature , as Religare Care offers free medical checkup to all adults from very first year of policy.

7. No claim Bonus :- Religare Care NCB Super has better feature here in terms of higher no claim bonus than Optima Restore

Comparing all these basic features , Religare Care is far better product than Apollo Optima Restore. A person is taking a policy to safeguard his savings in case of an emergency. Most likely, Religare care

will perform better in every extreme case.

Apollo Group

Apollo Munich Optima Restore

Individual & FloaterNo Limits

Life Long renewalsCovered

Upto 60 daysupto 180 days

Private room

140No capping

Not applicable

Age above 46 at customer cost(50%)No

CoveredCovered

Waiting period 24 months for certain diseases.

NoNo

1500 and more per claim15 lac

15337

100% automatic Restoration in case Sum insured expired

No Claims Bonus on Sum Assured for Every claim free year sub to max of 100% (50 , 50 )

FAMILY SIZE ( 2 Adults and 2 Child) Max age 43

BenefitsPre post higher limit

100% NCB

No cap

Auto Restoration on expiry of Sum Insured

Cashless Network in Ambala

Healing Touch Super Speciality Hospital

Jaspal Nursing Home & City Medical Center

Leelawathi Hospital

Loomba Maternity & Ent Hospital

….. Religare care is better than Optima restore as it has option of sum insured enhancement upto 60 lac , where as Optima restore has maximum sum insured of 15 lac.

:- Religare Care has again edge over Optima Restore as recharge option is far better than restore. It works like giving double sum insured from very first day.

:- Optima restore has no room rent limit , where as Religare care allows maximum Private room (Sum Insured 5 lac and above) . Here Optima Restore is similar to Religare care.

:- Here both products are similar as there is no claim based loading

:- Religare care is better than Optima restore due to this major Feature , as Religare Care offers free medical checkup to all adults from very first year of policy.

:- Religare Care NCB Super has better feature here in terms of higher no claim bonus than Optima Restore

Comparing all these basic features , Religare Care is far better product than Apollo Optima Restore. A person is taking a policy to safeguard his savings in case of an emergency. Most likely, Religare care

will perform better in every extreme case.