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Care(formerly Religare) vs Royal Sundaram Health Insurance

Compare Care(formerly Religare) vs Royal Sundaram Health Insurace
Plan Type
Health
Coverage type
Coverage State
Coverage City
Coverage amount
Date of birth
  OR age    years
Policy duration
Gender
Start date
End date
Care(Formarly Religare) Royal Sundaram
Claims Settlement Ratio ** 95.2 % 80.13%
Number of Lives Covered * 54,33,000 1,406,000
Network Hospitals 16,500 + 5,000 +
  • * As per IRDAI report for 2018-19
  • ** As per NL25 data published on the Insurance Company website
maternity-health-policy buy-online royal-sundaram royal-sundaram royal-sundaram
Maternity health insurance - JOY Care(formerly Religare) - Care Lifeline health Family Plus Arogya Sanjeevani
In-patient Treatment
Covered Covered Covered up to sum insured Covered up to sum insured Covered
Room Rent
Single private room with AC
3 & 4 Lakhs: 1% of sum insured per day;
5 to 10 Lakhs: Single private room;
15 to 75 Lakhs: Single private room,upgradable to next level
No Room Rent Capping No Room Rent Capping Up to 2% of sum insured subject to a maximum of Rs.5000
ICU Charges
Covered
3 & 4 Lakhs: 2% of sum insured per day;
5 to 75 Lakhs: No limit
Not covered No Room Rent Capping Up to 5% of sum insured subject to a maximum of Rs.10000
Pre-hospitalization
30 days before the date of admission to the hospital 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
60 days after discharge from the hospital 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 Covers more than 540 day Care treatments Covered up to sum insured Covered up to sum insured Covered up to sum insured
Domiciliary Treatment
Not covered Up to 10% of sum insured Covered up to sum insured Covered up to sum insured Not covered
Emergency Ambulance
Up to a limit of Rs.1,000 per claim
3 & 4 Lakhs: Rs.1,500 per hospitalisation;
5 to 10 Lakhs: Rs.2,000 per hospitalisation;
15 to 40 Lakhs: Rs.2,500 per hospitalisation;
50 to 75 Lakhs: Rs.3,000 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 Not covered Not covered Not covered Not covered
Bariatric Surgery
Not covered Not covered Not covered Not covered Not covered
Ayush Benefit
Not covered Covers Non Allopathic treatment like Ayurveda, Homeopathy, Unani & Sidha
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
3 Lakhs: Up to Rs.35,000;
5 Lakhs: Up to Rs.50,000(Waiting period: 9 months)
3 & 4 Lakhs: Not covered;
5 to 10 Lakhs: Not covered;
15 to 40 Lakhs: Not covered;
50 to 75 Lakhs: Covered;
(Waiting period: 24 months)
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
3 lakhs: Up to Rs.30,000;
5 lakhs: Up to Rs.50,000
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
Vaccination of the new born baby
Not covered Covered
Classic: Not covered
Supreme: Not covered
Elite: Covered up to 10,000
Covered up to 10,000 Not covered
Organ Donor Expenses
Not covered
3 & 4 Lakhs: Up to Rs.50,000;
5 to 10 Lakhs: Up to Rs.100,000;
15 to 40 Lakhs: Up to Rs.200,000;
50 to 75 Lakhs: Up to Rs.300,000;
Covered up to sum insured Covered up to sum insured Not covered
Vaccination (In case of post bite treatment)
Not covered 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
Not covered Covered
Classic: Not covered
Supreme: Annual
Elite: Annual
Covered Not covered
Hospital daily allowance
Not covered Fixed lump sum amount for each completed day of hospitalisation payable for a maximum of 5 consecutive days Not covered Not covered Not covered
Co-pay
20% co-pay above 60 years 20% co-pay above 60 years Covered Covered Co-payment of 5% applicable
Pre-existing diseases coverage
Covered after 4 years of continuous coverage. Covered after 4 years of continuous coverage.
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
Not covered
Recharge Up to 100% of Base sum insured per year
Not covered Not covered Not covered
General waiting period
30 days 30 days 30 days 30 days 30 days
Renewal Benefit / Cumulative Bonus
Covered
(Optional)
10% for every claim free year up to 50% of sum insured 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
Covered
(Optional)
Not covered Not covered Not covered
Available sum insured options
3 & 5 Lakhs 3 to 75 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
1/2/3 years 1/2/3 years 1/2 years 1/2 years 1 years
Eligibility criteria
Adults from 18 to 65 years (dependents 91 days to 17 years) 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 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
Daily Cash for Accompanying an Insured Child
Not covered Not covered Not covered Not covered Not covered
Claims loading
No Loading Loading Applicable Applicable No Loading
Portablity (At the time of renewal)
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

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CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2025