Dear experts,
I am bit in confusion.
I have Health Insurance from ICICI, for my elder sister (38) and me(27).
I would Like switch to Apollo Munich.(As there is no loading,Life long renewal)
Now, they are offering two options;
1. Optima Standard
2. Optima Restore
Moreover, I shall have separate two policies this time, rather than Family floater with my sister.
Could you please advice which one to go for.
Secondly as the previous policy was claim free, can I get claim-free-bonus in future policy??