Royal Sundaram vs Godigit Health Insurace

Compare Royal Sundaram vs Godigit 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
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Royal Sundaram Godigit
Claims Settlement Ratio ** 80.13% 60
Number of Lives Covered * 1,406,000 --
Network Hospitals 5,000 + 6,400 +
  • * As per IRDAI report for 2018-19
  • ** As per NL25 data published on the Insurance Company website
royal-sundaram royal-sundaram royal-sundaram Godigit Godigit
Lifeline health Family Plus Arogya Sanjeevani Digit Health Care Plus Digit Health Plus
In-patient Treatment
Covered up to sum insured Covered up to sum insured Covered
Maxima Restore Super: All Illness Hospitalization
Early Cover: All Illness Hospitalization
Super Care: All Illness Hospitalization
Covered
Room Rent
No Room Rent Capping No Room Rent Capping Up to 2% of sum insured subject to a maximum of Rs.5000
Maxima Restore Super: No room rent restriction
Early Cover: No room rent restriction
Super Care: No room rent restriction
Covered(shared or private room subject to a Limit Per Day as opted by You and mentioned in Your Policy )
ICU Charges
Not covered No Room Rent Capping Up to 5% of sum insured subject to a maximum of Rs.10000 Covered Covered
Pre-hospitalization
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
Maxima Restore Super: 30 days
Early Cover: 30 days
Super Care: 30 days
Covered
Post-hospitalization
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
Maxima Restore Super: 60 days
Early Cover: 60 days
Super Care: 60 days
Covered
Day Care Procedures
Covered up to sum insured Covered up to sum insured Covered up to sum insured
Maxima Restore Super: Covered
Early Cover: Covered
Super Care: Covered
Covered
Domiciliary Treatment
Covered up to sum insured Covered up to sum insured Not covered
Maxima Restore Super: Not Covered
Early Cover: Not Covered
Super Care: Not Covered
Covered
Emergency Ambulance
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
Maxima Restore Super: 1% upto Rs.5,000
Early Cover: 1% upto Rs.5,000
Super Care: 1% upto Rs.5,000
Covered
Dental Treatment
Not covered Not covered Not covered
Maxima Restore Super: Covered
Early Cover: Covered
Super Care: Covered
Covered
Bariatric Surgery
Not covered Not covered Not covered
Maxima Restore Super: Covered
Early Cover: Covered
Super Care: Covered
Covered
Ayush Benefit
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.
Maxima Restore Super: Not Covered
Early Cover: Not Covered
Super Care: Not Covered
Covered
Maternity Benefits
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
Maxima Restore Super: Not Covered
Early Cover: Not Covered
Super Care: Not Covered
Covered (if opted by You.)
New Born baby cover
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
Maxima Restore Super: Not Covered
Early Cover: Not Covered
Super Care: Not Covered
Covered (if opted by You.)
Organ Donor Expenses
Covered up to sum insured Covered up to sum insured Not covered
Maxima Restore Super: Covered
Early Cover: Not Covered
Super Care: Not Covered
Organ transplantation charges, including donor’s pre and post hospitalization expenses are covered and the limit is 5% of the amount claimed.
Vaccination (In case of post bite treatment)
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
Maxima Restore Super: Not Covered
Early Cover: Not Covered
Super Care: Not Covered
Covered (if opted by You.)
Health Check-up
Classic: Not covered
Supreme: Annual
Elite: Annual
Covered Not covered
Maxima Restore Super: Covered
Early Cover: Covered
Super Care: Covered
Covered
Hospital daily allowance
Not covered Not covered Not covered
Maxima Restore Super: Covered
Early Cover: Covered
Super Care: Covered
Covered
Co-pay
Covered Covered Co-payment of 5% applicable
Maxima Restore Super: No Age based Co-Payment
Early Cover: No Age based Co-Payment
Super Care: No Age based Co-Payment
Covered
Pre-existing diseases coverage
Classic: Covered after 48 months
Supreme: Covered after 36 months
Elite: Covered after 24 months
Covered after 36 months Covered after 48 months
Maxima Restore Super: 2 year waiting period for PED
Early Cover: 2 year waiting period for PED
Super Care: 3 year waiting period for PED & 2 year for Specific illness
Pre-existing Disease as defined in this policy shall not be covered until the number of months of continuous coverage as opted by you and mentioned in policy schedule
Restore Benefit
Not covered Not covered Not covered
Maxima Restore Super: Not Covered
Early Cover: Not Covered
Super Care: Not Covered
NIL restoration benefit
General waiting period
30 days 30 days 30 days
Maxima Restore Super: 30 days
Early Cover: 30 days
Super Care: 30 days
30 days
Renewal Benefit / Cumulative Bonus
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.
Maxima Restore Super: 10% each claim free year (max 50%)
Early Cover: 10% each claim free year (max 50%)
Super Care: 10% each claim free year (max 50%)
You would be eligible for Cumulative Bonus at the time of renewal as mentioned in Your Policy Schedule
Emergency Air Ambulance
Not covered Not covered Not covered
Maxima Restore Super: Not Covered
Early Cover: Not Covered
Super Care: Not Covered
Air ambulance cover is provided in case of life threatening medical conditions requiring immediate transportation to the proximate hospital.
Available sum insured options
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
Maxima Restore Super: Rs.3 to 25 Lakhs
Early Cover: Rs.3 to 25 Lakhs
Super Care: Rs.3 to 25 Lakhs
Starting from Rs. 2 Lakh
Policy can be purchased for
1/2 years 1/2 years 1 years
Maxima Restore Super: 1/2/3 years
Early Cover: 1/2/3 years
Super Care: 1/2/3 years
1/2/3 years
Eligibility criteria
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)
Adults from 18 to 80 years (dependent children will be covered till the age of 25 years)
Between the age group of 1 year and 60 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
Applicable Applicable No Loading Loading 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