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Reliance vs Apollo Munich Health Insurance


Plan benefits

Reliance health insurance

 Hospitals    Buy online

Apollo Munich health insurance

 Hospitals    Buy online
Healthgain Insurance Optima Restore Easy Health
Policy can be purchased for 1 year (if purchased for single women or girl child, a discount of 5% is applicable) 1 year / 2 years (if purchased for 2 years, a discount of 7.5% is applicable)
Family discount of 10% if 2 or more members are covered
1 year / 2 years (if purchased for 2 years, a discount of 7.5% is applicable)
Family discount of 5% for 2 members, 10% for 3 or more members
Eligibility criteria Adults from 18 to 65 years (dependents 91 days & up to 4 years can be covered under floater plan) Adults from 18 to 65 years (dependents 91 days to 5 years) Adults from 18 to 65 years (dependents 91 days to 5 years)
Available sum insured options Rs.3 lakhs, 6 lakhs, 9 lakhs, 12 lakhs, 15 lakhs, 18 lakhs Rs.3 lakhs, 5 lakhs, 10 lakhs, 15 lakhs, 20 lakhs, 25 lakhs, 50 lakhs Rs.1 lakhs to 50 lakhs
Renewability Renewal for whole life Renewal for whole life Renewal for whole life
In-patient Treatment Covered Covered up to sum insured Covered up to sum insured
Pre-hospitalization 60 days 60 days 60 days
Post-hospitalization 60 days 180 days 90 days
Day Care Procedures 172 day care procedures are covered All day care procedures are covered All day care procedures are covered
Domiciliary Treatment Up to 10% of base sum insured, maximum Rs.50,000/- Covered up to sum insured Covered up to sum insured
Organ Donor Expenses Up to 50% of the base sum insured, maximum Rs.5 lakh Covered up to sum insured Covered up to sum insured
Emergency Ambulance Up to Rs.1,500/- for Rs.3 lakh, 6 lakh, 9 lakh sum insured
Up to Rs.3,000/- for Rs.12 lakh, 15 lakh and 18 lakh sum insured (road ambulance)
Up to Rs.2,000 per hospitalization Up to Rs.2,000 per hospitalization
Dental Treatment Not covered Not covered Covered after waiting period of 3 years
Ayush Benefit Not covered Not covered Up to Rs.20,000, Rs.25,000, Rs.50,000 depending on sum insured
Maternity Benefits Not covered Not covered Covered after waiting period of 6 years
New Born baby cover Not covered Not covered Additional benefit covered on payment of additional premium
Daily Cash for Accompanying an Insured Child Not covered Not covered
Plan NameSum Insured (Rs.)Description
Easy Health Exclusive3, 4, 5 lakhsRs.300 per day, max Rs.9,000
7.50, 10 lakhsRs.500 per day max Rs.15,000
15, 20, 25, 50 lakhsRs.800 per day, max Rs.24,000
Easy Health Premium4, 5 lakhsRs.300 per day, max Rs.9,000
7.50, 10 lakhsRs.500 per day, max Rs.15,000
15, 20, 25, 50 lakhsRs.800 per day, max Rs.24,000
Health Check-up Not covered
Sum Insured (Rs.)IndividualFamily
3 lacsNot ApplicableNot Applicable
4 lacsUp to Rs.1,500/-Up to Rs.2,500/-
10 lacsUp to Rs.2,000/-Up to Rs.5,000/-
15 lacsUp to Rs.4,000/-Up to Rs.8,000/-
50, 25, 50 lacsUp to Rs.5,000/-Up to Rs.10,000/-
Easy Health Standard - Upto 1% of sum insured per insured person, only once at the end of a block of every continuous four claim free years.
Easy Health Exclusive - Upto 1% of sum insured subject to a maximum of Rs. 5,000 per insured person, only once at the end of a block of every continuous three policy years.
Easy Health Premium - Upto 1% of sum insured subject to a maximum of Rs. 5,000 per insured person, only once at the end of a block of every continuous two policy years.
Hospital daily allowance Not covered Not covered Not covered
Pre-existing diseases coverage Covered after a waiting period of 3 years Covered after a waiting period of 3 years Covered after a waiting period of 3 years
Restore benefit One Re-instatement upto 100% of base Sum Insured, subject to submit of 20% for related illness/injury 100% of basic sum insured Not applicable
General waiting period Any illness waiting period of 30 days after policy is in force where as accident medical expenses are covered from day one. 30 days 30 days
Renewal Benefit / Cumulative Bonus 33% (i.e 1/3rd) increase in base sum insured for every claim free year, max up to 100% 50% of sum insured for every claim free year, maximum up to 100% 10% for every claim-free year accumulating up to 100%
Co-pay 20% per claim amount (For those insured whose age at entry is 61 years or above for individual or floater policy.) No co-pay No co-pay
Claims loading Not applicable Applicable Applicable
Portablity Yes, 45 days before its renewal date Yes (At the time of renewal) Yes (At the time of renewal)
Tax Benefits Limit Income tax benefit under section 80D Income tax benefit under section 80D Income tax benefit under section 80D
Value Added Services Wellness : - Fabulous discounts and deals on a variety of health and lifestyle products and services.
Insurance Renewal: - For Sum Insured Rs.12 Lakhs & above, one time auto extension of policy in case of covered critical illness
Accidental Death Cover for No Claim Renewal: -Rs.1 Lakh Personal Accident Death cover for insured
Policy Service Guarantee: - Even after receiving all completed documents, if there is a delay of more than 10 working days from the company in issuing your policy (new policy). Then the company pays you onetime additional sum insured of Rs 10,000/- for sum insured INR 3 lakh, 6 lakh, 9 lakhs and Rs 20,000/- for sum insured 12 lakh, 15 lakh, 18 lakh.
Claim Service Guarantee: - Cashless claims - On receipt of required information / documents, If the company is unable to respond within 6 business hours, then it pays 1% of claim amount subject to a maximum liability of 6% of claim amount
Reimbursement Claims - On receipt of required information / documents, If the company is unable to respond within 21 days, then it pays 1% of claim amount subject to a maximum liability of 6% of claim amount
Not applicable Not applicable

Plan benefits

Reliance health insurance

 Hospitals    Buy online

Apollo Munich health insurance

 Hospitals    Buy online

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