Parent Company

Fortis Group

Entry Parameters
Plan Age @ Entry Renewals Inpatient Treatment Pre Hospitalisation Post hospitalisation Room Rent & Icu Charges, doctor fees, other charges Day care Procedure Any sublimit Restoration of Basic SI NO Claim Bonus Claim based Loading on renewals Pre Screening Medicals Copay Organ donor Domicilliary Treatment Waiting period for exclusions DAILY Cash Benefit Health Check Up Ambulance charges Max Sum Insured

Religare Care with NCB Super

Individual & Floater No Limits Life Long renewals Covered Upto 30 days upto 60 days Private room 170 No capping 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 ) Not applicable Age above 46 at company cost No Covered Covered Waiting period 24 months for certain diseases. 500 per day upto 5 days Every year from first year 2000 and more per claim 60 lac

Premium for 5 lac

16080 (NCB Super) 14618 (Normal Care)

Benefits
Yearly 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 , whe

2. Restore vs Recharge :- Religare Care has again edge over Optima Restore as recharge option is far better than restore. It w

3. Room Rent :- Optima restore has no room rent limit , where as Religare care allows maximum Private room (Sum Insured 5 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 fre

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 Rest person is taking a policy to safeguard his savings in case of an emergency. Most likely, Religare will perform better in every extreme case.

Apollo Group

Apollo Munich Optima Restore

Individual & Floater No Limits Life Long renewals Covered Upto 60 days upto 180 days Private room 140 No capping 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 ) Not applicable Age above 46 at customer cost(50%) No Covered Covered Waiting period 24 months for certain diseases. No No 1500 and more per claim 15 lac

15337

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

Benefits
Pre 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

as option of sum insured enhancement upto 60 lac , where as Optima restore has maximum sum insured of 15 lac.

Restore as recharge option is far better than restore. It works like giving double sum insured from very first day.

igare care allows maximum Private room (Sum Insured 5 lac and above) . Here Optima Restore is similar to Religare care.

o claim based loading

ore due to this major Feature , as Religare Care offers free medical checkup to all adults from very first year of policy. in terms of higher no claim bonus than Optima Restore

far better product than Apollo Optima Restore. A case of an emergency. Most likely, Religare care every extreme case.