Apollo Munich

Product
Comparisons
Dis1nguishing
Features

HNIs can avail

treatment anywhere in
the world
Annual health Checkup

irrespec:ve of Claims
Shortcomings

Copayment if enrolled
aEer 60 yrs
Low Pre/ Post
hospitalisa:on cover
Sub limits on Room rent
Pre exis:ng wai:ng

period of 4 years
No Maximum entry age
in the policy
AMHI CONFIDENTIAL
NCB of 10% against

mul:plier of 50% in apollo
products
Benet Comparison - Op:ma Restore & Religare Care Plan

Benets
Religare Care
AMHI Op1ma Restore
Inpa:ent
Treatment
Covered
Covered

Room Rent
Restric:on
1% of Sum Insured per day for SI No Room Rent Restric:on

2,3,4 Lacs
Single Private Room for SI 5,7,10 Lacs
upgraded Single Private Room for SI
15,20,25,50,60 Lacs.
ICU Charges
2% of Sum Insured per day for SI No Room Rent Restric:on

2,3,4 Lacs and no limit for higher Sum
Insured
Surgeons Fees
Upto 25% of Inpa:ent Benet
No Sub- limits on SI
Copayment
Copayment of 20% for SI 5 Lacs

above for 61 yrs and above age
No Copayment on SI
Pre/ Post
hospitalisa:on
30/60 Days
60/180 Days

Emergency
Ambulance
Upto Rs 2000
Upto Rs 2000
AMHI Advantage
No sub-limits
No sub-limits
No sub-limits
No copayments from
above 61
More Coverage of 60/90
Days

Benets
Religare Care
AMHI Op1ma Restore
Domiciliary
Treatment
10% of SI
No Sub- limits

Daycare Procedure
171 Daycare Procedures
Covers all daycare

procedures.
Organ Donor
Upto Rs 50,000 for SI 2,3,4,5 Lacs

Upto Rs 1Lac for SI 7,10 Lacs
Upto Rs 2 Lacs for SI 15,20,25 Lacs
Upto Rs 3 Lacs for SI 50,60 Lacs
No Sub- limits

Restore Benet
Covered
Covered
Health Checkup
Covered
Covered
Daily Allowance
Rs 500/ day Available

only in SI 2,3,4 Lacs
Daily Cash for shared

accommoda:on covered
E- opinion
Covered
Covered
Renewal Benet
10% cumula:ve bonus every year

incase of claim free year
Mul:plier Benet allowed on
payment of addi:onal
premium( feature s:ll not launched)
50% Mul:plier Benet every

year incase of claim free year
AMHI Advantage
No sub-limits
Covers all daycare
procedures
No sub-limits
Mul1plier benet is part of base

plan and no addi1onal premium
is required for adding this
feature in policy

Benets
Religare Care
AMHI Op1ma Restore
Care anywhere
Covered
Not Covered

PED Wai:ng
Periodre
48 months
36 months
AMHI Advantage
No sub-limits
PED Wai1ng Period of
36 months
Dis1nguishing
Features

Shortcomings

Limited sum insured

op:ons- 3 & 5 lacs
No Medicals Test Required

Sublimits on room rent &
ICU charges
Pre-exis:ng covered aEer
2 years
Copayment for all claims

inc. PED (20% on entry up to age
70 and 30% on entry above age 70)
Covers diabetes type 2&

upto 2 co-morbidi:es,
However, doesn't cover
diabetes 2 > 17 yrs
Sublimits on specic
illnesses (eg cataract, hysterectomy,
total knee replacement)
No Renewal benet
AMHI CONFIDENTIAL
Benet Comparison - Religare Care Freedom v/s Op:ma Restore

Benets
Religare Care Freedom
AMHI Op1ma Restore
Sum Insured
3,5 Lacs
3 Lacs to 50 Lacs
Inpa:ent Treatment
Covered
Covered
Room Rent
Twin sharing upto 1 % of SI per day for 3 Lacs No sub limit

SI and Twin sharing for 5 Lacs SI
Pre/ Post Hospitaliza:on
Upto 7.5% of payable hospitaliza:on

expenses for SI 3 Lacs
Upto 10% of payable hospitaliza:on
expenses for SI 5 Lacs
60/180 days
No sub limit on SI
Daycare Procedures
Covered
Covers all daycare procedures
Domiciliary Treatment
10% of SI
Covered ( No sub limit)
Emergency Ambulance
Rs 1000 per hospitalisa:on
Rs 2000 per hospitalisa:on
Organ Donor
Not Covered
Covered
E-opinion
Not Covered
Covered
Restora:on Benet
Covered
Covered
Health Checkup Benet
Covered
Covered (At SI of 20 lacs and above)
Companion Benet and

consumable allowance
Covered

Not covered
Renewal benet
None
50% of Base SI upto a max of 100% of SI
Dis1nguishing
Features
Shortcomings

No claim Bonus for every

claim free year@20% which
doesn't reduce on claim
Max Health Companion
Low Pre/ Post

Health Checkup once in
two years
Restore benet on full /

par:al exhaus:on of SI
AMHI CONFIDENTIAL
CB of 20% as against 50%

mul:plier in Apollo Munich
products
20% copayment for

reimbursement of
treatment in Zone 2 ci:es
4 years wai:ng period for

pre exis:ng condi:ons
Benet Comparison - Health Companion v/s Op:ma Restore

Benets
Max Bupa Health Companion
AMHI Op1ma Restore
Sum Inured
2 Lacs to 1 Crore
3 Lacs to 50 Lacs
Inpa:ent Treatment
Covered
Covered
30/60 Days
60/180 days
Daycare Procedures
Covered
Covered
Covered
Covered
Emergency Ambulance
Upto 3000 per hospitalisa:on
Upto 2000 per hospitalisa:on
Organ Donor
Covered
Covered
E-opinion
Not Covered
Covered
Restora:on of sum insured
Covered
Covered
Covered
Covered
Hospital Cash Benet
Covered
Daily cash for Choosing

shared accommoda:on
Renewal Benet
20% cumula:ve bonus
50% mul:plier benet
Dis1nguishing
Features
Shortcomings

Outpa:ent Treatment in
Pla:num Plan
Max Heartbeat
Vaccina:ons for Children

upto 12 Years of Age in
Pla:num Plan
Interna:onal Medical
Treatment and Assistance
in pla:num plan
Loyalty Benet as against

50% mul:plier in Apollo
Munich products
Low Pre/ Post

20% copayment for

reimbursement of
treatment

AMHI CONFIDENTIAL
Benet Comparison - Op:ma Restore v/s Max Heart beat and Family First
Product Features
Op1ma Restore
Max Heartbeat
Family First
SI op:ons
3,5,10,15,20,25,50 lacs
Rs 2,3,5,7.5,10,15,20,50, 100
Lacs
Rs 1,2,3,4,5, 10,15,20,30,50,
Lacs for Individual Plan and Rs
3,4,5, 10,15Lacs
Age-Min/ Max
91 Days- 65 yrs
No Maximum Entry age
Room Rent
No sub limits on room rent Shared Room or 1% of SI under Shared Room under Silver
Silver variant
variant
Single Private Room under Gold Single Private Room under Gold
variant
variant
Upgraded Private under
Pla:num variant
Inpa:ent hospitalisa:on
Covered
Covered
Pre-hospitalisa:on
60 days
30 Days. -Covered up to 15% of 30 Days. Covered up to 15% of

Sum Insured under Silver
variant
variant
-Covered up to 20% of Sum
Insured under Gold variant
-Upto Sum Insured under
Pla:num variant
Covered

Product Features
Op1ma Restore
Max Heartbeat
Family First
Post Hospitalisa:on
180 days
30 Days.
30 Days.

Insured under Silver variant
Covered up to 15% of Sum




Pla:num variant
Day care Procedures
All Day care procedures
Domiciliary hospitalisa:on
Covered
Covered
Covered
Upto 15% of SI under Silver

Variant
Upto Rs 15000 under Silver

Variant and Rs 37500 under
Gold Variant
Upto 20% of SI under Gold

Variant
Upto SI under Gold Variant
Organ donor
Covered
Covered
Covered
Product Features
Op1ma Restore
Max Heartbeat
Family First
Ambulance expenses
Covered
Covered
Covered
Restore benet
Not Covered
Not Covered
Mul:plier benet / CB
Covered
50% every year, max 100%
Loyalty Benet upto 10% of

renewal premium for health
services & products if policy
renewed without any break

Health checkup
Covered
Covered
Covered
Maternity
Not oered
oered
Oered
Vaccina:ons for Children upto

12 Years of Age, Outpa:ent
Treatment, Interna:onal
Medical Treatment and
Assistance
Not oered
Oered only in Pla:num Variant Oered only in Pla:num

Variant
E-opinion
Oered
Not Oered
Not Oered

accommoda:on
Covered
Not Oered
Not Oered
Copayment
No copayment
20% for Insured above 65 years

of age

of age
Benet Comparison - Easy Health v/s Max Heart beat and Family First
Product Features
Easy Health
Max Heartbeat
Family First
SI op:ons
2,3,4.5,7.5,10,15,20,25,50
lacs
Rs 2,3,5,7.5,10,15,20,50, 100
Lacs
Rs 1,2,3,4,5, 10,15,20,30,50,
Lacs for Individual Plan and Rs
3,4,5, 10,15Lacs
Age-Min/ Max
91 Days- 65 yrs
Room Rent
No sub limits on room rent Shared Room or 1% of SI under Shared Room under Silver
Silver variant
variant
Single Private Room under Gold Single Private Room under Gold
variant
variant
Upgraded Private under
Pla:num variant
Covered
Covered
Pre-hospitalisa:on
60 days
30 Days. -Covered up to 15% of 30 Days. Covered up to 15% of

variant
variant
Pla:num variant
Covered

Product Features
Easy Health
Max Heartbeat
Family First
Post Hospitalisa:on
90 days
30 Days.
30 Days.

Covered up to 15% of Sum




Pla:num variant
Day care Procedures
Covered
Covered
Covered
Domiciliary hospitalisa:on
Covered
Covered
Covered
Upto 15% of SI under Silver

Variant
Upto Rs 15000 under Silver

Variant and Rs 37500 under
Gold Variant
Upto 20% of SI under Gold

Variant
Upto SI under Gold Variant
Organ donor
Covered
Covered
Covered
Ayush Benet
Covered
Not Covered
Not Covered
Product Features
Easy Health
Max Heartbeat
Family First
Ambulance expenses
Covered
Covered
Covered
Outpa:ent Treatment
Spectacles, contact lenses,

OPD Dental

Variant
Renewal Benet
10% every year, max 100%


Health checkup
Covered
Covered
Covered
Maternity
Covered
Covered
Covered
Vaccina:ons for Children upto

12 Years of Age, Interna:onal
Medical Treatment and
Assistance
Not oered

Variant
E-opinion
Oered
Not Oered
Not Oered

accommoda:on/ Recovery
Benet/Daily cash-
accompanying Insured child
Covered
Not Oered
Not Oered
Copayment
No copayment

of age

of age
Dis1nguishing
Features
Shortcomings

Health Care Supreme
Covers out-pa:ent
expenses
Gender Based premiums
Covers air ambulance &

physiotherapy benet
Sublimits on Donor cover
Pre-exis:ng diseases
wai:ng period of 2 years
Oers CB of 10% as
against mul:plier of 50%
in apollo products
Covers Maternity with new

born cover
AMHI CONFIDENTIAL
Lower post
Benet Comparison - Op:ma Restore v/s BAGIC Health Supreme

Product Features
Op1ma Restore
Bajaj health care supreme
SI op:ons
Age-Min/ Max
Policy tenure
Policy op:ons
Pre-hospitalisa:on
Post hospitalisa:on
Day care Procedures
Domiciliary
hospitalisa:on
Organ donor
Ambulance expenses
Restore benet
Mul:plier benet / CB
Accommoda:on
Health checkup
Wai:ng period- Ini:al
Wai:ng period- specic
diseases
Wai:ng period- PED
OPD consulta:ons
Ayush benet
3,5,10,15,20,25,50 lacs
91 Days- 65 yrs
1/2 yrs
Individual/ Family
Covered
60 days
180 days
5 lacs - 50lacs
91 days to life:me
1 year
Individual/ Family
Covered
60 days
90 days
covered
Covered
Not covered
Covered
Rs. 2000 / hospitalisa:on
Covered
Covered, 50% every yr, max 100%
Covered
covered
Covered
10% to max 50%
Covered
Not Covered
Covered
30 days
Covered
30 days
2 yrs
1 yr & 2 yr
3yrs
Not oered
Not oered
2 years
Covered
Covered
Advantages

Product Features
Op1ma Restore
PPC
PPC from age 46 and above and for

SI above 5 Lacs
PPC from age 46 yrs of age
Family discount
10% for 2 or more members
5% for 2/ more members
Copayment
No
No
Sublimits
No
No
Grace period
Covered-30 days
Covered-30 days
Freelook cancella:on
Covered-15 days
Covered-15 days
Air ambulance
Not oered
Covered
Physiotherapy benet
Not oered
Covered
Personal accident cover
Can be taken as addi:onal Plan
Op:onal
Cri:cal illness
Not oered
Op:onal
Daily cash allowance
Can be taken as addi:onal Plan
Op:onal
Maternity Expenses
Not oered
Covered
New born baby
Not oered
Covered
Recovery benet
Not oered
Covered
E-opinion
Oered
Not oered

Advantages

Product Features
Easy health
SI op:ons
Age-Min/ Max
Policy tenure
Policy op:ons
Pre-hospitalisa:on
Post Hospitalisa:on
Day care Procedures
Domiciliary
hospitalisa:on
Daily cash- shared
accommoda:on
1 lacs- 50 lacs
91 Days- 65 yrs
1/2 yrs
Individual/ Family
Covered
60 days
90 days
144 Day care procedures
5 lacs - 50lacs
91 days to life:me
1 year
Individual/ Family
Covered
60 days
90 days
covered
Covered
Not covered
Covered
Not covered
Organ donor
Ambulance expenses
Covered
Rs. 2000/ hospitalisa:on
Covered
covered
Daily cash- accompanying

Insured child
Covered
Not covered
Covered
Covered
Covered
Covered
Not covered
Covered
Covered
Not covered
Maternity Expenses
New born baby
OPD consulta:ons
OPD dental
Ayush benet
Recovery benet
Spectacles, contact lenses
Covered
Not oered
Covered
Covered
Covered
Covered
Advantages
Dis1nguishing
Features
Shortcomings

AMHI CONFIDENTIAL

Restore benet with
maternity benet
Copayment 20% if
enrolled aEer 60 yrs
Mul:plier Benet@ 50%

every year
Zonal premium (Zone

1,2,3) based on ci:es
PPC required above 50

yrs of age`

Benet Comparison - Star Comprehensive v/s Op:ma Restore

Benets
Star Comprehensive
AMHI Op1ma Restore
Sum Inured
5,7.5,10,15,20,25 lacs
3 Lacs to 50 Lacs
Inpa:ent Treatment
Covered
Covered
Room Rent
No sub limit
No sub limit
30/60 days
60/180 days
Daycare Procedures
405 daycare procedures
All daycare procedures
Covered
Covered
Emergency Ambulance
Covered
Covered
Organ Donor
Not Covered
Covered
E-opinion
Covered
Covered
Covered
Covered
Maternity, Newborn baby and Vaccina:on
Covered
Not Covered
Covered
Covered
Hospital Cash Benet
Covered
Not Covered
Outpa:ent Benet- Dental and Opthology,

Outpa:ent medical consulta:on
Covered
Not Covered
Air Ambulance
Covered
Not Covered
22
Benet Comparison - Star Comprehensive v/s Op:ma Restore

Benets
Star Comprehensive
AMHI Op1ma Restore
Accidental Death and Permanent Total

Disablement
Covered
Not Covered
Bariatric surgery
Covered
Not Covered
Renewal benet
50% of Base SI upto a max of

100% of SI for SI 5 Lacs
100% of SI for SI 7.5 Lacs and
above

100% of SI
Dis1nguishing
Features
Shortcomings

Room rent limits based on

class of city & zones
PPC required above 50 yrs
of age
Recharge benet oered

upto 30% of SI in addi:on
to Bonus & Restore
benet
Copayment 20% if
enrolled aEer 60 yrs
Zonal premium (Zone


AMHI CONFIDENTIAL
Benet Comparison - Star Family Health Op:ma v/s Op:ma Restore

Benets
AMHI Op1ma Restore
Star Family Health Op1ma
Restore Benet
[Automa:c Reinstatement
of Basic Sum Insured incase
Sum Insured is exhausted in
policy year]
Covered
Covered
Renewal Incen:ve
Mul:plier Benet of 50% for

every claim-free year max
upto 100%.
Cumula:ve bonus @ 25%

for rst claim free year and
@ 10% for second claim free
renewal max upto 35%
Inpa:ent Hospitaliza:on
Covered
Covered
Room Rent
No sub limits
Room rent @2 % of Sum

Insured maximum upto 5000
per day in Class A ci:es, @
1% Sum Insured maximum
upto Rs 3000 per day in Class
B ci:es, @ 1% Sum Insured
maximum upto Rs 1000 per
day in other loca:ons
For internal training purpose only
Benet Comparison - Star Family Health Op:ma v/s Op:ma Restore

Benets
AMHI Op1ma Restore
Star Family Health Op1ma
Pre-Hospitalisa:on
60 Days
60 Days
Post Hospi:sa:on
180 days
90 Days
Day Care Procedure
All daycare procedures covered
405 daycare procedures
Emergency Ambulance
Covered
Covered

Covered
Covered
PED Wai:ng Period
36 months
48 months
Health Checkup
Covered
Covered
Daily Cash for choosing

shared accommoda:on
Covered
Not Covered
E-opinion
Covered
Not Covered
For internal training purpose only
Dis1nguishing
Features
Shortcomings

Coverage up to 1.5 Crore
Coverage for Interna:onal

Treatment abroad for
specied 11 cri:cal
illnesses-
-CB of 20% as against 50%

mul:plier in Apollo
Munich products
Copayment 20% for

Interna:onal Treatment
abroad
Zonal premium (Zone

AMHI CONFIDENTIAL
Benet Comparison - Lifeline Classic v/s Op:ma Restore

Benets
RSA Lifeline Classic
AMHI Op1ma Restore
Sum Inured
2,3,4 Lacs
3 Lacs to 50 Lacs
Inpa:ent Treatment
Covered
Covered
Room Rent
No sub limit
No sub limit
30/60 days
60/180 days
Daycare Procedures
Covered
Covered
Covered
Covered
Emergency Ambulance
Covered
Covered
Organ Donor
Covered
Covered
E-opinion
Not Covered
Covered
Covered
Covered
Vaccina:on for Animal Bite
Covered
Not Covered
Covered
Covered
Hospital Cash Benet
Op:onal rider
Not Covered
Ayush Benet
Covered
Not Covered
Top Up plan
Op:onal rider
Not Covered
Renewal benet
Benet Comparison - Lifeline Supreme v/s Op:ma Restore

Benets
RSA Lifeline Supreme
AMHI Op1ma Restore
Sum Inured
5,10,15,20,50 lacs
3 Lacs to 50 Lacs
Inpa:ent Treatment
Covered
Covered
Room Rent
No sub limit
No sub limit
60/90 days
60/180 days
Daycare Procedures
Covered
Covered
Covered
Covered
Emergency Ambulance
Covered
Covered
Organ Donor
Covered
Covered
E-opinion
Covered
Covered
Covered
Covered
Covered
Not Covered
Covered
Covered
Hospital Cash Benet
Op:onal rider
Not Covered
Ayush Benet
Covered
Not Covered
Top Up plan
Op:onal rider
Not Covered
Emergency Domes:c
Evacua:on
Covered
Not Covered
Renewal benet
Benet Comparison - Lifeline Elite v/s Op:ma Restore

Benets
RSA Lifeline Elite
AMHI Op1ma Restore
Sum Inured
25,30,50,100,150 lacs
3 Lacs to 50 Lacs
Inpa:ent Treatment
Covered
Covered
Room Rent
No sub limit
No sub limit
60/180 days
60/180 days
Daycare Procedures
Covered
Covered
Covered
Covered
Emergency Ambulance
Covered
Covered
Organ Donor
Covered
Covered
E-opinion
Covered
Covered
Covered
Covered
Covered
Not Covered
Covered
Covered
Hospital Cash Benet
Op:onal rider
Not Covered
Outpa:ent Benet, Emergency

Hospitaliza:on abroad/
Interna:onal Cover for Cri:cal
illness
Covered
Not Covered
Benet Comparison - Lifeline Classic Supreme Plan v/s Op:ma Restore

Benets
RSA Lifeline Elite
AMHI Op1ma Restore
Maternity, Newborn baby,

vaccina:on
Covered
Not Covered
Ayush Benet
Covered
Not Covered
Top Up plan
Op:onal rider
Not Covered
Emergency Domes:c Evacua:on Covered
Not Covered
Renewal benet
Dis1nguishing
Features
Shortcomings
Coverage upto 1 Crore
Sub-limits on Room Rent

Worldwide Emergency
Cover
Geography & gender

based pricing
Op:on of selec:ng
copayment/ deduc:ble
and reduc:on of
maternity wai:ng period
Cumula:ve Bonus and

Restore Benet is not
oered in Premier Variant
(100,000 Lacs Sum
insured op:on)

AMHI CONFIDENTIAL
Benet Comparison - Prohealth v/s Easy Health

Benets
Prohealth
Protect Plan
Prohealth
Plus Plan
Prohealth
Prohealth Premier Plan AMHI Easy Health
Preferred Plan
Sum Inured
Upto 2.5, 3.5,4.5 4.5,5.5,7.5, 10

Lacs
Lacs
15,30,50 Lacs
1 crore
1, 1.5,2,2.5,3,4,5,7.5,10 ,
15.20, 25, 50Lacs
Inpa:ent
Treatment
Covered
Covered
Covered
Covered
Covered

Room Rent
Shared
accommoda:on
Single private
room
Single private
room
Single private room
No sub limit
Pre/ Post
Hospitaliza:on
60/90 days
60/180 days
60/180 days
60/180 days
60/90
Daycare
Procedures
Covered
Covered
Covered
Covered
Covered
Domiciliary
Treatment
Covered
Covered
Covered
Covered
Covered
Emergency
Ambulance
Upto 2000 per

hospitalisa:on
Upto 3000 per

hospitalisa:on
No sub limit
No sub limit
Upto 2000 per

hospitalisa:on
Benet Comparison - Prohealth Plan v/s Easy Health

Benets
Prohealth
Protect Plan
Prohealth
Plus Plan
Prohealth
Preferred Plan
Expert Opinion
Covered
for Cri:cal illness
Covered
Covered
Covered
Covered
Organ Donor
Covered
Covered
Covered
Covered
Covered

Restora:on of
sum inured
Covered
Covered
Covered
Not Covered
Not Covered
Maternity
Not Covered
Rs. 15,000 for

normal delivery
and Rs. 25,000
for a C-sec:on
Rs. 50,000 for

normal delivery
and Rs. 100,000
for a C-sec:on
Rs. 50,000 for normal

delivery and Rs. 100,000 for
a C-sec:on
Covered
Newborn baby
Not Covered
Covered
Covered
Covered
Covered
First year
Vaccina:on
Not Covered
Covered
Covered
Covered
Not Covered
Worldwide
Covered
Emergency Cover
Covered
Max upto Rs 10
Lacs
Max upto Rs 10 Lacs
Not Covered
Health Checkup
Benet
Covered on
annual basis for
insured above
18 years
Covered on
annual basis for
insured above 18
years
Covered on annual basis for

insured above 18 years
Covered
Every 3rd year
January 28, 2016
34
Benet Comparison - Prohealth Plan v/s Easy Health

Benets
Prohealth
Protect Plan
Prohealth
Plus Plan
Prohealth
Preferred Plan
Cri:cal Illness
Rider
Op:onal
Op:onal
Op:onal
Op:onal
Op:onal

Outpa:ent
Not Covered
Dental
Treatment,
Spectacles,
Contact Lenses &
Hearing Aids
Not Covered
Not Covered
Not Covered
Covered
Ayush Benet
Not Covered
Not Covered
Not Covered
Not Covered
Covered
Daily Cash for

Not Covered
accompanying an
insured child,
Daily Cash for
choosing Shared
Accommoda:on
Recovery Benet
Not Covered
Not Covered
Not Covered
Covered
Health
Maintenance
Benet
Upto Rs 500 per

year
Upto Rs 2000
per year
1% of SI Upto Rs
15000 per year
1% of SI Upto Rs 15000 per

year
Not Covered

Cumula:ve
Bonus
5% per year
10% per year
10% per year
Not Covered
10% per year

PED Wai:ng
Period
4 yrs
3 yrs
2 yrs
2 Yrs
3 yrs
Benet Comparison - Prohealth Plan v/s Op:ma Restore

Benets
Prohealth
Protect Plan
Prohealth
Plus Plan
Prohealth
Prohealth Premier Plan AMHI Op1ma
Preferred Plan
Restore
Sum Inured
Upto 2.5, 3.5,4.5 4.5,5.5,7.5, 10

Lacs
Lacs
15,30,50 Lacs
1 crore
3,5,10,15 , 20, 25,50

Lacs
Inpa:ent
Treatment
Covered
Covered
Covered
Covered
Covered

Room Rent
Shared
accommoda:on
Single private
room
Single private
room
Single private room
No sub limit
Pre/ Post
Hospitaliza:on
60/90 days
60/180 days
60/180 days
60/180 days
60/180 days
Daycare
Procedures
Covered
Covered
Covered
Covered
Covered
Domiciliary
Treatment
Covered
Covered
Covered
Covered
Covered
Emergency
Ambulance
Upto 2000 per

hospitalisa:on
Upto 3000 per

hospitalisa:on
No sub limit
No sub limit
Upto 2000 per

hospitalisa:on
Daily Cash for

choosing Shared
accommoda:on
Not Covered
Not Covered
Not Covered
Not Covered
Covered

Benets
Prohealth
Protect Plan
Prohealth
Plus Plan
Prohealth
Preferred Plan
Restore
Expert Opinion
Covered
for Cri:cal illness
Covered
Covered
Covered
Covered
Organ Donor
Covered
Covered
Covered
Covered
Covered
Restora:on of
sum inured
Covered
Covered
Covered
Not Covered
Covered
Maternity
Not Covered
Rs. 15,000 for

normal delivery
and Rs. 25,000
for a C-sec:on
Rs. 50,000 for

normal delivery
and Rs. 100,000
for a C-sec:on
Rs. 50,000 for normal

Not Covered
delivery and Rs. 100,000 for
a C-sec:on
Newborn baby
Not Covered
Covered
Covered
Covered
Not Covered
First year
Vaccina:on
Not Covered
Covered
Covered
Covered
Not Covered
Worldwide
Covered
Emergency Cover
Covered
Max upto Rs 10
Lacs
Max upto Rs 10 Lacs
Not Covered
Health Checkup
Benet
Covered on
annual basis for
insured above
18 years
Covered on
annual basis for
insured above 18
years
Covered on annual basis for Covered

insured above 18 years
Every 3rd year

Benets
Prohealth
Protect Plan
Prohealth
Plus Plan
Prohealth
Preferred Plan
Restore
Cri:cal Illness
Rider
Op:onal
Op:onal
Op:onal
Op:onal
Not Covered

Health
Maintenance
Benet
Upto Rs 500 per

year
Upto Rs 2000
per year
1% of SI Upto Rs
15000 per year
1% of SI Upto Rs 15000 per

year
Not Covered

Renewal Benet
Cumula:ve
Bonus-5% per
year max upto
50%

Cumula:ve
Bonus-10% per
year max upto
50%
Cumula:ve
Bonus-10% per
year max upto
50%
Not Covered
Mul:plier Benet- 50%

per year max upto 100%

PED Wai:ng
Period
4 yrs
3 yrs
2 yrs
2 Yrs
3 yrs
Dis1nguishing
Features
Shortcomings

Op:ons to customize
plans with selec:on of
sublimits or addi:onal
features
Complete Health
AMHI CONFIDENTIAL
Disease specic Sub-limits

CB of 20% as against 50%

mul:plier in Apollo
Munich products

Benet & Premium Comparison - ICICI Health Protect v/s AMHI Op:ma Restore
& Easy Health Standard
Benets
ICICI Health
Protect
AMHI Op:ma
Restore
AMHI Easy
Why AMHI is bener?
Health Standard
Emergency ambulance
Upto Rs 1500 per

hospitalisa:on
Upto Rs 2000 per

hospitalisa:on
Upto Rs 2000 per

hospitalisa:on
Pre & Post Hospitaliza:on
30/60 days
60/180 days
60/90 days
Day Care Procedure
Organ Donor
"
Only covered in AMHI

Products
"

Products
Daily Cash for choosing shared

accommoda:on
"


Products
Health Checkup
Restore Benet
"
"
Only covered in Op:ma

Restore
Renewal Benet
10% cumula:ve
bonus for claim
free year
50% mul:plier
benet for claim
free year
10% cumula:ve
bonus for claim
free year
50% mul:plier benet oered

in Op:ma Restore
Addi:onal Benets- Hospital

Daily Cash Allowance &
Convalescence
"
"
60/90 days op:on available
Benet & Premium Comparison - ICICI Health Protect Plus v/s AMHI Easy Health
Premium, Exclusive & Maxima
Benets
ICICI Health
Protect Plus
AMHI Easy
Health Exclusive
AMHI Easy Health Premium
Why AMHI is
beVer?
Emergency ambulance
Upto Rs 1500 per

hospitalisa:on
Upto Rs 2000 per

hospitalisa:on
Upto Rs 2000 per hospitalisa:on
30/60 days
60/90 days

60/90 days

Day Care Procedure
Organ Donor
"

Products

shared accommoda:on
"

Products
Health Checkup
Daily Cash for

accompanying insured
child/ Recovery Benet
Outpa:ent Benet
"
"

Restricted to Outpa:ent Dental &

Spectacles/ lenses & Hearing Aids
Maternity
New Born Baby
60/90 days op1on

available

Products
41
Benet & Premium Comparison - ICICI Health Protect Plus v/s AMHI Easy Health
Premium, Exclusive & Maxima (Cont.)
Benets
ICICI Health
Protect Plus
AMHI Easy
Health Exclusive
Why AMHI is
AMHI Easy Health Premium beVer?

E- opinion
"
"
Cri:cal Illness
Renewal Benet
10% cumula:ve
bonus for claim
free year
10% cumula:ve
bonus for claim free
year
10% cumula:ve bonus for claim

free year
Addi:onal Benets-
Hospital Daily Cash
Allowance &
Convalescence , Personal
Accident
"
"

Products
Comparison - ICICI Health Smart Health, Smart Health Plus v/s AMHI Easy Health
Premium & Exclusive
Benets
ICICI Health
Smart Health
ICICI Health Smart

Health Plus
AMHI Easy
Health Exclusive
AMHI Easy Health

Premium
Why AMHI is
beVer?
Emergency ambulance
Upto Rs 1500 per

hospitalisa:on
Upto Rs 1500 per

hospitalisa:on
Upto Rs 2000 per hospitalisa:on
30/60 days
30/60 days
60/90 days
Day Care Procedure
Organ Donor
"
"
Only covered in
AMHI Products

shared accommoda:on/
Recovery Benet
Health Checkup
"

"
Only covered in
AMHI Products
Daily Cash for accompanying

insured child
"
"
Outpa:ent Benet
"
Restricted to Outpa:ent
Dental & Spectacles/
lenses & Hearing Aids
Maternity
New Born Baby
Only covered in
AMHI Products
Comparison - ICICI Health Smart Health, Smart Health Plus v/s AMHI Easy Health
Premium & Exclusive (Cont.)
Benets
ICICI Health
Smart
ICICI Health Smart

Plus
AMHI Easy
Health Exclusive
AMHI Easy Health

Premium
Why AMHI is
beVer?
E- opinion
"
"
"
Only covered in
AMHI Products
Cri:cal Illness
Renewal Benet
10% cumula:ve
bonus for claim
free year
10% cumula:ve
bonus for claim free
year

10% cumula:ve
bonus for claim
free year
10% cumula:ve bonus for

claim free year
"
"
"
Addi:onal Benets- Hospital !

Daily Cash Allowance &

Convalescence , Personal
Accident, Nursing Allowance,
Compassionate Visit &
Medical Evacua:on Cover
Dis1nguishing
Features
Shortcomings
Double benet for

Cri:cal Illness
Sub-limits on
Room Rent

50% Cumula:ve
bonus for Enrich
variant
Disease Specic
Sub limits
Healthline
AMHI CONFIDENTIAL
Benet Comparison - Chola Healthline v/s Op:ma Restore

Benets
Chola Healthline
AMHI Op1ma Restore
Sum Insured
2 Lacs to 10 Lacs
3 Lacs to 50 Lacs
Inpa:ent Treatment
Covered
Covered
Room Rent
Single occupancy AC room is allowed for all Sum

Insured except for Rs 2 Lakhs. For Rs.2 Lakhs Sum
Insured, the maximum room rent limit per day is
Rs 3000
No sub limit
60/90 days
60/180 days
Disease specic sub limit
Sublimit against Cataract,

Hydrocele Fistula in Anus,
Sinusi:s, Tonsili:s or
Adenoids
Covered
Daycare Procedures
Covered
Covered
Coverage for 7 days only
Covered
Emergency Ambulance
Covered
Covered
Organ Donor
Covered
Covered
E-opinion
Not Covered
Covered
Not Covered
Covered
Covered
Covered
Benet Comparison - Lifeline Classic & Supreme Plan v/s Op:ma Restore
Benets
Chola Healthline
AMHI Op1ma Restore
Ayush Benet
Covered
Not Covered

shared accommoda:on
Not Covered
Covered
Daily Cash for

child
Covered
Not Covered
Renewal benet
5% of Base SI for freedom and value variant and

50% of base SI for enrich variant
Benet Comparison - Chola Healthline v/s Easy Health

Benets
Chola Healthline
AMHI Easy Health
Sum Insured
2 Lacs to 10 Lacs
2 Lacs to 50 Lacs
Inpa:ent Treatment
Covered
Covered
Room Rent
Single occupancy AC room is allowed for all Sum

Insured except for Rs 2 Lakhs. For Rs.2 Lakhs Sum
Insured, the maximum room rent limit per day is
Rs 3000
No sub limit
60/90 days
60/90 days
Disease specic sub limit
Sublimit against Cataract, Hydrocele Fistula in

Anus, Sinusi:s, Tonsili:s or Adenoids
Covered
Daycare Procedures
Covered
Covered
Coverage for 7 days only
Covered
Emergency Ambulance
Covered
Covered
Organ Donor
Covered
Covered
E-opinion
Not Covered
Covered
Covered
Covered
Double benet foe Cri:cal

illness
Covered
Not Covered
Benet Comparison - Lifeline Classic & Supreme Plan v/s Op:ma Restore
Benets
Chola Healthline
AMHI Easy Health
Daily Cash for

child
Covered
Covered

shared accommoda:on
Not Covered
Covered
Spectacles, Contact Lenses,

Hearing Aids
Not Covered
Covered
Outpa:ent Dental
Not Covered
Covered
Maternity and new born baby

benet
Not Covered
Covered
Renewal benet
5% of Base SI for freedom and value variant and

50% of base SI for enrich variant
Dis1nguishing
Features
Shortcomings

No PPC :ll 55 years
Super Top up
AMHI CONFIDENTIAL
Leveled premium aEer 60

years of age
No waiver of deduc:ble
benet

Copayment at higher age
Benet Comparison - Op:ma Super and L&T Super Top Up

Benets
L&T Super Top Up
Op1ma Super
Sum Insured op:ons
3 to 20 Lacs
5,7,10 Lacs
Deduc:ble op:ons
2,3,4,5 Lacs
1,2,3,4,5,6,7,10 Lacs
Inpa:ent Treatment
Covered
Covered
Room Rent
No sublimit
No sublimit
ICU Charges
No sublimit
No sublimit
Pre/ Post hospitalisa:on
30/60 days
60/90 Days
Emergency Ambulance
Not Covered
Covered
Daycare Procedure
Covered
Covered
Organ Donor
Not Covered
Covered
Waiver of deduc:ble
Not oered
Oered
Copayment
Copayment of 10% above 80 years
Not covered
51
Dis1nguishing
Features
Shortcomings

PPC above 50 years age
Covers maternity,
outpa:ent, planned
treatment abroad
AMHI CONFIDENTIAL
Copayments above 60 yrs

ranging from 20% to 40%
depending on age slab

Disease Specic Sub limits
Benet Comparison - Future Generalli Health Total v/s Op:ma Restore

Benets
Future Generalli Health Total
AMHI Op1ma Restore
Sum Inured
3 Lacs to 100 Lacs
3 Lacs to 50 Lacs
Inpa:ent Treatment
Covered
Covered
Room Rent
No sub limit
No sub limit
60/90 days, 60/120 days, 60/180 days as

per variant
60/180 days
Disease specic sub limits
Sub limits on cataract
No sub limit
Daycare Procedures
Covered
Covered
Covered
Covered
Emergency Ambulance
Covered
Covered
Organ Donor
Covered
Covered
E-opinion
Covered
Covered
Covered
Covered
Covered
Covered
Covered under wellness benet
Covered
Ayush Benet
Covered
Not Covered
Maternity, Vaccina:ons for

child
Covered
Not Covered
Outpa:ent Benets
Covered
Not Covered
Benet Comparison - Future Generalli Health Total v/s Op:ma Restore

Benets
Future Generalli Health Total
AMHI Op1ma Restore

accommoda:on
Not Covered

Covered

Accompanying person
(up to 12 years
Covered
Not Covered

Pa:ent Care/ Accidental

Hospitaliza:on
Covered
Not Covered
Medical Evacua:on, Treatment Covered

abroad
Not Covered
Renewal benet

Apollo Munich

Diunggah oleh

Informasi Dokumen

Hak Cipta

Format Tersedia

Bagikan dokumen Ini

Bagikan atau Tanam Dokumen

Opsi Berbagi

Apakah menurut Anda dokumen ini bermanfaat?

Apakah konten ini tidak pantas?

Hak Cipta:

Format Tersedia

Apollo Munich

Diunggah oleh

Hak Cipta:

Format Tersedia

Product

HNIs can avail

Annual health Checkup

Sub limits on Room rent

Pre exis:ng wai:ng

NCB of 10% against

Benet Comparison - Op:ma Restore & Religare Care Plan

AMHI Op1ma Restore

1% of Sum Insured per day for SI No Room Rent Restric:on

2% of Sum Insured per day for SI No Room Rent Restric:on

Upto 25% of Inpa:ent Benet

Copayment of 20% for SI 5 Lacs

Benet Comparison - Op:ma Restore & Religare Care Plan

AMHI Op1ma Restore

171 Daycare Procedures

Covers all daycare

Upto Rs 50,000 for SI 2,3,4,5 Lacs

Rs 500/ day Available

Daily Cash for shared

10% cumula:ve bonus every year

50% Mul:plier Benet every

Mul1plier benet is part of base

Benet Comparison - Op:ma Restore & Religare Care Plan

AMHI Op1ma Restore

Limited sum insured

No Medicals Test Required

Copayment for all claims

Covers diabetes type 2&

Benet Comparison - Religare Care Freedom v/s Op:ma Restore

Religare Care Freedom

AMHI Op1ma Restore

Twin sharing upto 1 % of SI per day for 3 Lacs No sub limit

Pre/ Post Hospitaliza:on

Upto 7.5% of payable hospitaliza:on

Covers all daycare procedures

Covered ( No sub limit)

Rs 1000 per hospitalisa:on

Rs 2000 per hospitalisa:on

Health Checkup Benet

Covered (At SI of 20 lacs and above)

Companion Benet and

50% of Base SI upto a max of 100% of SI

No claim Bonus for every

Max Health Companion

Low Pre/ Post

Restore benet on full /

CB of 20% as against 50%

20% copayment for

4 years wai:ng period for

Benet Comparison - Health Companion v/s Op:ma Restore

Max Bupa Health Companion

AMHI Op1ma Restore

Pre/ Post Hospitaliza:on

Upto 3000 per hospitalisa:on

Upto 2000 per hospitalisa:on

Restora:on of sum insured

Health Checkup Benet

Hospital Cash Benet

Daily cash for Choosing

20% cumula:ve bonus

50% mul:plier benet

Vaccina:ons for Children

Loyalty Benet as against

Low Pre/ Post