Royal Sundaram vs Raheja QBE Health Insurace

Compare Royal Sundaram vs Raheja QBE Health Insurace
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Health
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Royal Sundaram Raheja QBE
Claims Settlement Ratio ** 80.13% 100%
Number of Lives Covered * 1,406,000 135
Network Hospitals 5,000 + 5,000 +
  • * As per IRDAI report for 2018-19
  • ** As per NL25 data published on the Insurance Company website
royal-sundaram royal-sundaram royal-sundaram Raheja QBE Raheja QBE
Lifeline health Family Plus Arogya Sanjeevani Health QuBE Arogya Sanjeevani
In-patient Treatment
Covered up to sum insured Covered up to sum insured Covered Covered Covered
Room Rent
No Room Rent Capping No Room Rent Capping Up to 2% of sum insured subject to a maximum of Rs.5000
Basic: 1% of sum insured
Comprehensive: No Limit
Super Saver: 1% of sum insured
Up to 2% of the sum insured subject to maximum of Rs.5,000 per day
ICU Charges
Not covered No Room Rent Capping Up to 5% of sum insured subject to a maximum of Rs.10000
Basic: 2% of sum insured
Comprehensive: No Limit
SuperSaver: 2% of sum insured
Up to 5% of the sum insured subject to maximum of Rs.10,000 per day
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
Basic:
1 to 2 Lakhs: 30 days
3 to 50 Lakhs: 60 days
Comprehensive:
3 to 50 Lakhs: 60 days
SuperSaver:
1 to 2 Lakhs: 30 days
3 to 50 Lakhs: 60 days
30 days before the date of admission to the hospital
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
Basic:
1 to 2 Lakhs: 60 days
3 to 50 Lakhs: 90 days
Comprehensive:
3 to 50 Lakhs: 90 days
SuperSaver:
1 to 2 Lakhs: 60 days
3 to 50 Lakhs: 90 days
60 days after discharge from the hospital
Day Care Procedures
Covered up to sum insured Covered up to sum insured Covered up to sum insured Covered All the day care treatments
Domiciliary Treatment
Covered up to sum insured Covered up to sum insured Not covered
Basic:
1 to 2 Lakhs: Rs.15,000
3 to 9 Lakhs: Rs.25,000
10 to 20 Lakhs: Rs.50,000
25 to 50 Lakhs: Rs.150,000
Comprehensive:
3 to 9 Lakhs: Rs.25,000
10 to 20 Lakhs: Rs.50,000
25 to 50 Lakhs: Rs.150,000
SuperSaver:
1 to 2 Lakhs: Rs.15,000
3 to 9 Lakhs: Rs.25,000
10 to 20 Lakhs: Rs.50,000
25 to 50 Lakhs: Rs.150,000
Not 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
Basic:
1 to 2 Lakhs: Rs.1,000 per hospitalisation
3 to 9 Lakhs: Rs.1,500 per hospitalisation
10 to 50 Lakhs: Rs.2,500 per hospitalisation
Comprehensive:
3 to 9 Lakhs: Rs.1,500 per hospitalisation
10 to 50 Lakhs: Rs.2,500 per hospitalisation
SuperSaver:
1 to 2 Lakhs: Rs.1,000 per hospitalisation
3 to 9 Lakhs: Rs.1,500 per hospitalisatio
10 to 50 Lakhs: Rs.2,500 per hospitalisation
Covered up to Rs.2,000 per hospitalisation
Dental Treatment
Not covered Not covered Not covered Dental Treatment, dentures or surgery of any kind unless necessitated due to an accident Dental treatment, necessitated due to disease or injury
Bariatric Surgery
Not covered Not covered Not covered Not Covered Not 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. 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
Not Covered
Not Covered
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 Not Covered Not Covered
Organ Donor Expenses
Covered up to sum insured Covered up to sum insured Not covered
Basic:
1 to 2 Lakhs: Not Covered
3 to 50 Lakhs: 20% of sum insured
Comprehensive:
3 to 50 Lakhs: 20% of sum insured
SuperSaver:
1 to 2 Lakhs: Not Covered
3 to 50 Lakhs: 20% of sum insured
Not Covered
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 Not Covered Not Covered
Health Check-up
Classic: Not covered
Supreme: Annual
Elite: Annual
Covered Not covered Avilable only once a year Not Covered
Hospital daily allowance
Not covered Not covered Not covered
Basic:
1 to 2 Lakhs: Rs.500 per day
3 to 50 Lakhs: Not Covered
Comprehensive:
3 to 50 Lakhs: Not Covered
SuperSaver:
1 to 2 Lakhs: Rs.500 per day
3 to 50 Lakhs: Not Covered
Not Covered
Co-pay
Covered Covered Co-payment of 5% applicable 20% co-pay above 60 years 5% co-pay on all claims
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 Covered after a waiting period of 4 years Covered after a waiting period of 4 years
Restore Benefit
Not covered Not covered Not covered Up to 100% of Base Sum insured paid for all illness Not Covered
General waiting period
30 days 30 days 30 days 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. Covered 5% every year, maximum up to 50% of Sum Insured
Emergency Air Ambulance
Not covered Not covered Not covered Not Covered Not Covered
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
Basic: Rs.1 to 50 Lakhs
Comprehensive: Rs.3 to 50 Lakhs
SuperSaver: Rs.1 to 50 Lakhs
Rs.1 to 5 Lakhs
Policy can be purchased for
1/2 years 1/2 years 1 years 1/2/3 years 1 year
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 65 years (dependents 91 days to 17 years) Adults from 18 to 65 years (dependents 91 days to 17 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 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