
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.