S.NO Basis Of DifferenciationApollo Munich OPTIMA RESTORE

Religare CARE

1 24 Hrs.Hospitalisation is required. Yes Yes

2Day Care Procedures for which 24 hrs hospitalisation is not required.

141 Day Care Procedures 170 day care procedures

3 Sum Assured 3 Lacs to 15 Lacs 2 Lacs to 60 Lacs

4 Room & Boarding Expenses Actual Basis

Upto Sum Assured 4 Lacs1% of Sum Assured for General hospitalisation & 2% of Sum Assured for ICU.

For Sum Assured Rs. 5 Lacs or More

Single Private Room or Upward as per sum assured choosen.

5 Daily Allowance NoRs. 500/- per day upto 5 days for sum assured upto Rs. 4 Lacs

6 Health checkup No Annual Health Check Up as per list

7Restore / Auto recharge of Sum Assured

Restoration of Sum Assured ifSum Assured fully exhausedduring the year.

Automatic recharge of sum assured. Recharge sum assured can be used for next claims

 

Example of restoration:-Sum Assured - 5 LacsA) First claim - 4 Lacs, B) 2nd claim - 3 lacs, C) III Claim - 3 Lacs

Claim Payable - A) Ist Claim - 4 Lacs, B) IInd Claim - 1 lac (remaining sum assured), C) IIIrd Claim - 3 lacs (from restore)

Claim Payable - A) Ist Claim - 4 Lacs, B) IInd Claim - 3 lac (remaining sum assured & Recharge sum assured), C) IIIrd Claim - 3 lacs (from restore)

8Sub Limit on Expenses on diseases in individual Policy

No No

9 Care Anywhere No For Sum Assured 50 Lacs & 60 Lacs

10 Maximum Renewal Age. Life Long Renewal Life Long Renewal

  Maximum Children Coverage 2 Child 4 Child

11 Co-Payment No

Upto Sum Assured 4 Lacs - No Co Pay

For Sum Assured Rs. 5 Lacs or More20% of the claim amount for fresh entrants aged 61 years or more.

12 Pre & Post HospitalisationPre - 60 days Post - 180 days

Pre - 30 days Post - 60 days

13Waiting Period for Specific Diseases like Stone, Catract, hernia Etc.

2 years 2 years

14 Coverage for Pre Existing Diseases After 3 years After 4 years15 Continuity benefit from other insurer. Yes Yes

16 Benefit in case of No Claim50% increase in sum assured every claim free year, max.100%

10% increase in sum assuredevery claim free year, max. 50%

17 Claim Loading No No