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Reliance vs Royal Sundaram Health Insurance

Compare Reliance vs Royal Sundaram Health Insurance Plans
Plan Type
Health
Coverage type
Coverage State
Coverage City
Coverage amount
Date of birth
  OR age    years
Policy duration
Gender
Start date
End date
* Name, Email Id & Mobile No. are required 
Reliance Royal Sundaram
Claims Settlement Ratio ** 80.61% 80.13%
Number of Lives Covered * 22,48,000 1,406,000
Network Hospitals 4,000 + 5,000 +
  • * As per IRDAI report for 2018-19
  • ** As per NL25 data published on the Insurance Company website
reliance reliance reliance reliance royal-sundaram royal-sundaram royal-sundaram
HealthGain Healthwise Health Infinity Arogya Sanjeevani Lifeline health Family Plus Arogya Sanjeevani
In-patient Treatment
Covers hospitalisation expenses due to an disease/illness/injury Covers hospitalisation expenses due to an disease/illness/injury Covered, No sub-limits Covered Covered up to sum insured Covered up to sum insured Covered
Room Rent
Covered Covered Covered 2% of sum insured, maximum up to Rs.5,000 per day No Room Rent Capping No Room Rent Capping Up to 2% of sum insured subject to a maximum of Rs.5000
ICU Charges
Covered Covered Covered 5% of sum insured, maximum up to Rs.10,000 per day Not covered No Room Rent Capping Up to 5% of sum insured subject to a maximum of Rs.10000
Pre-hospitalization
Up to 60 days
Standard: 30 days before the date of admission to the hospital
Silver & Gold: 60 days before the date of admission to the hospital
Covered up to 90 days Up to 30 days
Classic: Covered up to 30 days
Supreme: Covered up to 60 days
Elite: Covered up to 60 days
Up to 60 days Up to 30 days
Post-hospitalization
Up to 60 days
Standard: 60 days after discharge from the hospital
Silver & Gold: 90 days after discharge from the hospital
Covered up to 90 days Up to 60 days
Classic: Covered up to 60 days
Supreme: Covered up to 90 days
Elite: Covered up to 180 days
Up to 180 days Up to 60 days
Day Care Procedures
Covered Covered Covered, No sub-limits All day care procedures are covered Covered up to sum insured Covered up to sum insured Covered up to sum insured
Domiciliary Treatment
Up to 10% of base sum insured,subject to maximum of Rs.50,000 Limited to 10% of Sum Insured Covered, No sub-limits Not Covered Covered up to sum insured Covered up to sum insured Not covered
Emergency Ambulance
Plan A: Up to Rs.1,500
Plan B: Rs.3,000 per hospitalisation
Standard: 500 per hospitalisation
Silver: 750 per hospitalisation
Gold: 1,000 per hospitalisation
Covered, No sub-limits Up to Rs.2,000 per hospitalisation
Classic: Up to Rs.3,000
Supreme: Up to Rs.5,000
Elite: Up to Rs.10,000
Up to Rs 4,000 Up to Rs.2,000 per hospitalisation
Dental Treatment
Not Covered Dental treatment, necessitated due to disease or an injury Not Covered Dental treatment, necessitated due to disease or an injury Not covered Not covered Not covered
Bariatric Surgery
Not covered Not covered Not covered Not covered Not covered Not covered Not covered
Ayush Benefit
Not Covered Not Covered ​Covered, No Sub limits Covered
Classic: Government Hospitals - Covered up to sum insured
Other Hospitals - Covered up to Rs.20,000
Supreme: Government Hospitals - Covered up to sum insured
Other Hospitals - Covered up to Rs.30,000
Elite: Government Hospitals - Covered up to sum insured
Other Hospitals - Covered up to Rs.50,000
Government Hospitals - Covered up to sum insured
Other Hospitals - Covered up to Rs.50,000
Available up to sum insured.
Maternity Benefits
Not covered Not covered Not covered Not covered
Classic: Not covered
Supreme: Not covered
Elite: 25,30,50 Lakhs: Rs.200000
100,150 Lakhs: Rs.250000
INR 50,000, per delivery Not covered
New Born baby cover
Not covered Not covered Not covered Not covered
Classic: Not covered
Supreme: Not covered
Elite: Rs.25 lakhs: Rs.625,000
Rs.30 lakhs: Rs.750,000
Rs.50 Lakhs: Rs.1,250,000
Rs.100 lakhs: Rs.2,500,000
Rs.150 lakhs: Rs.3,750,000
Covered Not covered
Organ Donor Expenses
​50% of Sum Insured up to maximum Rs.5 Lakhs
Standard: Not Covered
Silver & Gold: Covered
​Covered, No Sub-imits Not Covered Covered up to sum insured Covered up to sum insured Not covered
Vaccination (In case of post bite treatment)
Not covered Not covered Not covered Not covered
Classic: Up to Rs.2,500
Supreme: Up to Rs.5,000
Elite: Up to Rs.7,500
Up to Rs.5,000 covered Not covered
Health Check-up
Covered
Individual: Covered up to 1% of sum insured
Family Floater: Covered up to 1.25% of sum insured
Annual health check-up is avilable Not Covered
Classic: Not covered
Supreme: Annual
Elite: Annual
Covered Not covered
Hospital daily allowance
Not Covered
Standard & Silver: No Covered
Gold: Rs.250 per day up to 7 days
Not Covered Not Covered Not covered Not covered Not covered
Co-pay
NIL for insureds below 61 years/ 20% co-pay for ages above 61 years Not Covered NIL for Regular Treatments / Up to 50% for Special Treatments 5% Co-pay applicable on all claims Covered Covered Co-payment of 5% applicable
Pre-existing diseases coverage
Covered after a waiting period of 3 years
Standard: Covered after a waiting period of 4 years
Silver & Gold: covered after 2 years of continuous coverage
Covered after a waiting period of 3 years Covered after a waiting period of 4 years
Classic: Covered after 48 months
Supreme: Covered after 36 months
Elite: Covered after 24 months
Covered after 36 months Covered after 48 months
Restore Benefit
Up to 100% of Base Sum Insured per year under certain plans NIL restoration benefit Up to 100% of Base Sum Insured per year under certain plans NIL restoration benefit Not covered Not covered Not covered
General waiting period
30 days 30 days 30 days 30 days 30 days 30 days 30 days
Renewal Benefit / Cumulative Bonus
33.33% increase in Base Sum Insured for every claim free year; maximum up to 100% 5% on base sum insured for every claim free year and up to 20% Not Covered 5% on base sum insured for every claim free year and up to 50% Covered Covered 5% in respect of each claim free year subject to a maximum of 50% of sum insured, in the event of claim Cumulative Bonus shall be reduced at the same rate.
Emergency Air Ambulance
Not covered Not covered Not covered Not covered Not covered Not covered Not covered
Available sum insured options
Plan A: Rs.3 to 9 Lakhs
Plan B: Rs.12 lac,15 lac & 18 Lakhs
Rs.1 to 5 Lakhs Rs.3 Lakhs to 1 Crore Rs.1 to 5 Lakhs
Classic: 2/3/4 Lakhs
Supreme: 5/10/15/20/50 Lakhs
Elite: 25/30/50/100/150 Lakhs
Individual - Rs.2/3/5/10/15 lakhs
Floater - Rs.3/4/10/15/20/25/50 lakhs
Rs.1/1.5/2/2.5/3 /3.5/4/4.5/5 lakhs
Policy can be purchased for
1 year 1 year 1/2/3 years​ 1 year 1/2 years 1/2 years 1 years
Eligibility criteria
5 years onwards, Dependent children between 91 days to 5 years can be covered only if both parents are covered under the policy Adults from 18 to 65 years (dependents 3 months to less than 18 years) Adults from 18 to 65 years (dependents 3 months to less than 25 years) Adults from 18 to 65 years (dependents 3 months to less than 25 years) Adults from 18 to 65 years (dependents 91 days to 5 years) There is No Restriction on Maximum Entry Age Adults from 18 to 65 years (dependents 3 months to 25 years)
Renewability
Renewal for whole life Renewal for whole life Renewal for whole life Renewal for whole life Renewal for whole life Renewal for whole life Renewal for whole life
Daily Cash for Accompanying an Insured Child
Not covered Not covered Not covered Not covered Not covered Not covered Not covered
Claims loading
No Loading No Loading No Loading No Loading Applicable Applicable No Loading
Portablity
(At the time of renewal)
Yes Yes Yes Yes Yes Yes Yes
Tax Benefits Limit
Income tax benefit under section 80D Income tax benefit under section 80D Income tax benefit under section 80D Income tax benefit under section 80D Income tax benefit under section 80D Income tax benefit under section 80D Income tax benefit under section 80D
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CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2025