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Apollo Munich Optima Restore or Max Bupa Health insurance?

Hi,

I am planning to buy health insurance policy for myself and wife. I am already having company health insurance but thinking of buying personal cover.

Apollo Munich Optima Restore or Max Bupa Health insurance seemed a good option. Any suggestions which one should I got for?

Also does annual premium increases with age bracket? Lets say, today I am 40 and paying Rs 5000 annually. Will premium change when I become 45 or it will remain same as Rs. 5000/-

 

Thanks,

Padmanabh

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