Plan Benefits

ICICI Lombard Health Insurance Apollo Munich Health Insurance

Complete Health Insurance Optima

Restore
Term of the policy 1 year/ 2 years 1 year/ 2
years
Eligibility criteria (Entry age) 3 months to 90 years 3 Months
to 60 years

Sum insured options INR 2 lakhs to 50 lakhs INR 3

lakhs to 15
lakhs
Renewal coverage Renewal for whole life Renewal
for whole
life
In-patient Treatment Covered up to sum insured Covered
up to sum
insured
Pre-hospitalization 30 days 60 days

Post-hospitalization 60 days 180 days

Day Care Procedures 140 day care procedures are All day
covered care
procedures
are
covered

Domiciliary Treatment Covered Covered

up to sum
insured
Organ Donor Expenses Reimbursement up to INR Covered
50,000 up to sum
insured

Emergency Ambulance Up to INR 1,500 Up to INR

2,000 per
hospitalizat
ion

Dental Treatment Not covered Not

covered

Ayush Benefit Not covered Not

covered
Maternity Benefits Covered after 2 years (only for Not
2 babies) covered

New Born baby cover Covered up to 91 days from -

the date of birth of the child

Daily Cash for Accompanying Not Covered for sum

an Insured insured
3,5,10,15
lakhs: INR
800 per
day
maximum
INR 4800 :
For sum
insured
20,25,50
Lakhs: INR
1000 per
day
maximum
INR 6000
Vaccination (In case of post Not Covered Not
bite treatment) covered

Health Check-up Covered every year after 3,5,10,15

renewal sum
insured
Not
covered
20,25,50
coverd
upto 1% of
sum
insured

Hospital daily allowance Per day INR 1,000 upto 10 Not

days covered

Pre-existing diseases Covered after a continuous Covered

coverage renewal of 2 years after a
continuous
renewal of
3 years

Restore benefit Not Applicable Yes

General waiting period 30 days 30 days

Cumulative Bonus 10% 50% 1

year 50%
2year
maximum
100%

Co-pay No co-pay No co-pay

Sub-limits-In-patient Covered upto Sum insured Covered
treatment upto Sum
insured
Claims loading Not Applicable Applicable

Portablity Yes (At the time of renewal) Yes (At the

time of
renewal)
Tax Benefits Limit INR 25000 INR
25,000
For senior citizens (above 60 For senior
years): INR 30000 citizens
(above 60
years):
INR
30,000
Apollo Munich Health Insurance

Easy Health

1 year/ 2 years

3 Months to 60 years

INR 3 lakhs to 10 lakhs

Renewal for whole life

Covered up to sum insured

30 days
60 days (if Insured Person intimates 5
days prior to hospitalisation)

60 days
90 days (if Insured Person intimates 5
days prior to hospitalisation)

All day care procedures are covered

Covered up to sum insured

Covered up to sum insured

Up to INR 2,000 per hospitalization

Covered after 3 years

Covered

Covered after 6 years

New Born Baby (from Age 1-90 days).

For an insured child

Easy Health Exclusive: For Sum
Insured 3, 4, 5 lakhs: INR 300 per day,
maximum INR 9,000; For Sum Insured
7.50 lakhs: INR 500 per day maximum
INR 15,000
Easy Health Premium: For Sum
Insured 4, 5 lakhs: INR 300 per day,
maximum INR 9,000; For Sum Insured
7.50, 10 lakhs: INR 500 per day
maximum INR 15,000

Not covered

Covered after 4 years

Not covered

Covered after a continuous renewal of

3 years

30 days

10% maximum 5 years

No co-pay
Covered upto Sum insured

Applicable

Yes (At the time of renewal)

INR 25,000

For senior citizens (above 60 years):

INR 30,000
Plan
Benefits
ICICI Lombard HealthApollo
Insurance
Munich Health Insurance

Complete Optima Easy

Health Restore Health
Insurance
Term of the 1 year/ 2 1 year/ 2 1 year/ 2
policy years years years
Eligibility 3 months 3 Months 3 Months
criteria to 90 years to 60 years to 60 years
(Entry age)

Sum INR 2 INR 3 INR 3

insured lakhs to 50 lakhs to 15 lakhs to 10
options lakhs lakhs lakhs
Renewal Renewal Renewal Renewal
coverage for whole for whole for whole
life life life
In-patient Covered Covered Covered
Treatment up to sum up to sum up to sum
insured insured insured
Pre- 30 days 60 days 30 days
hospitalizat
60 days (if
ion
Insured
Person
intimates 5
days prior
to
hospitalisat
ion)

Post- 60 days 180 days 60 days

hospitalizat
90 days (if
ion
Insured
Person
intimates 5
days prior
to
hospitalisat
ion)

Day Care 140 day 140 day 140 day

Procedure care care care
s procedures procedures procedures
are are are
covered covered covered
Domiciliary Covered Covered Covered
Treatment up to sum up to sum
insured insured
Organ Reimburse Covered Covered
Donor ment up to up to sum up to sum
Expenses INR insured insured
50,000

Emergenc Up to INR Up to INR Up to INR

y 1,500 2,000 per 2,000 per
Ambulance hospitalizat hospitalizat
ion ion

Dental Not Not Covered

Treatment covered covered after 3
years
Ayush Not Not Covered
Benefit covered covered
Maternity Covered Not Covered
Benefits after 2 covered after 6
years (only years
for 2
babies)

New Born Covered - New Born

baby cover up to 91 Baby (from
days from Age 1-90
the date of days).
birth of the
child

Daily Cash Not Not For an

for Covered covered insured
Accompan child
ying an
Insured Easy
Health
Exclusive:
For Sum
Insured 3,
4, 5 lakhs:
INR 300
per day,
maximum
INR 9,000;
For Sum
Insured
7.50 lakhs:
INR 500
per day
maximum
INR
15,000
 Easy
Health
Premium:
For Sum
Insured 4,
5 lakhs:
INR 300
per day,
maximum
INR 9,000;
For Sum
Insured
7.50, 10
lakhs: INR
500 per
day
maximum
INR
15,000

Vaccinatio Not Not Not

n (In case Covered covered covered
of post bite
treatment)

Health Covered Not Covered

Check-up every year covered after 4
after years
renewal

Hospital Per day Not Not

daily INR 1,000 covered covered
allowance upto 10
days

Pre- Covered Covered Covered

existing after a after a after a
diseases continuous continuous continuous
coverage renewal of renewal of renewal of
2 years 3 years 3 years

Restore Not Yes -

benefit Applicable
General 30 days 30 days 30 days
waiting
period
Cumulative 10% 50% 10%
Bonus
Co-pay No co-pay No co-pay No co-pay
Sub-limits- Covered Covered Covered
In-patient upto upto upto
treatment Suminsure Suminsure Suminsure
d d d

Claims Not Applicable Applicable

loading Applicable
Portablity Yes (At the Yes (At the Yes (At the
time of time of time of
renewal) renewal) renewal)
Tax INR INR INR
Benefits 15,000 15,000 15,000
Limit For senior For senior For senior
citizens citizens citizens
(above 60 (above 60 (above 60
years): years): years):
INR INR INR
20,000 20,000 20,000