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This is our Blog on Personal Finance. We will attempt to be analytical as well as educative. We will tell you what we like and what we don't. We will tell you what we do with our money and what we tell you is what we will follow for us. Tell us what you like to see.

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Which is better - Apollo Munich Optima Restore or Max Bupa Heartbeat Family First Health

21/4/2014

4 Comments

 
Picture
Apollo Munich Optima Restore and Max Bupa Heartbeat Family First Health Plan are two popular products in the market. We compare the two on various parameters. Based on your need for no claim bonus, extended family coverage and children’s health cover you can decide an appropriate plan for you.

Download PDF of this article here
We have earlier reviewed Apollo Munich Optima Restore and Max Bupa Heartbeat Family First Health Plan in detail. Let us compare the two of them so that you can choose the best plan for your specific needs.  

Picture
^Please understand the terms and conditions and premium to be paid for your policy when you purchase it. This is indicative.

To summarize, whether you should go for Apollo Munich Optima Restore or Max Bupa Family First Heartbeat depends upon your situation and requirements. If you are using your Company cover as a primary protection then Optima Restore multiplier (bonus) feature may be suitable to you. If you need extended family or old age parents to be covered or if you have a differently abled child and plan to pay him throughout then Max Bupa plan may be a better idea. 
4 Comments
Sushant Vohra
1/2/2016 07:53:26 pm

Very useful summation .

Reply
Amit Agarwal link
16/3/2016 06:52:09 pm

Thanks Sushant for your valuable feedback.

Regards,
Amit Agarwal
Getting you Rich

Reply
Ashutosh
29/6/2016 11:48:56 pm

I'm taking health insurance for first time and confused a lot between Apollo Munich Optima Restore Family vs Max Bupa Health Companion Family Floater for Me & Wife. If you observe not much diff. in features but whatever difference is there is worth paying 2500/- more for Optima Restore or better to take Companion and buy riders with saved 2500/-. Please solve this confusion for me.

Reply
Rohit Shah link
30/6/2016 07:22:59 pm

Hello Ashutosh,

We have noticed that both are decent covers. It's difficult for us to take a view and say x is better for you than y.

One approach you can try is visit the nearby hospital that you are likely to be selecting for any treatment in future & ask them which company they have observed to be good with their response time and claim settlement etc. This is not a full proof way but gives you some insights.

Further, our suggestion is not to look at this decision from a cost saving point of view only.

Regards,
Rohit

Reply



Leave a Reply.


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