Compare Universal Sompo vs Royal Sundaram
 |
|
 |
|
|
|---|---|---|---|---|
| Complete Healthcare
Basic
Essential
Privilege
|
Arogya Sanjeevani
|
Lifeline health
Classic
Supreme
Elite
|
Arogya Sanjeevani
|
|
| In-patient Treatment | ||||
| Covered | Covered | Covered up to sum insured | Covered | |
| Room Rent | ||||
| Covered | Up to 2% of the sum insured subject to maximum of Rs.5,000 per day | No Room Rent Capping | Up to 2% of sum insured subject to a maximum of Rs.5000 | |
| ICU Charges | ||||
| Covered | Up to 5% of the sum insured subject to maximum of Rs.10,000 per day | Not covered | 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 | 30 days before the date of admission to the hospital | Classic: Covered up to 30 days Supreme: Covered up to 60 days Elite: Covered up to 60 days |
Up to 30 days | |
| Post-hospitalization | ||||
| 60 days after discharge from the hospital | 60 days after discharge from the hospital | Classic: Covered up to 60 days Supreme: Covered up to 90 days Elite: Covered up to 180 days |
Up to 60 days | |
| Day Care Procedures | ||||
| 141 day care expenses covered | Covered | Covered up to sum insured | Covered up to sum insured | |
| Domiciliary Treatment | ||||
| Covered | Not Covered | Covered up to sum insured | Not covered | |
| Emergency Ambulance | ||||
Basic: Up to 1% of sum insured or Rs.1,000 or actuals whichever is less Essential: Up to 1% of sum insured or Rs.2,000 or actuals whichever is less Privilege: Up to 1% of sum insured or Rs.3,000 or actuals whichever is less |
Subject to a maximum of 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.2,000 per hospitalisation | |
| Dental Treatment | ||||
| Up to 100% of In-patient treatment sum insured (In case of accident) |
Dental treatment necessitated due to disease or injury | Not covered | Not covered | |
| Bariatric Surgery | ||||
| Not Covered | Not Covered | Not covered | Not covered | |
| Ayush Benefit | ||||
| Covered up to sum insured | 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 |
Available up to sum insured. | |
| Maternity Benefits | ||||
Basic: Not Covered Essential: Normal Delivery: Up to Rs.15,000 or actuals whichever is less Caesarean Delivery: Up to Rs 25,000 (including pre and post natal expenses up to Rs.2,000) or actuals whichever is less Privilege: Normal Delivery: Up to Rs.25,000 or actuals whichever is less Caesarean Delivery: Up to Rs.50,000 (including pre and post natal expenses up to Rs.2,000) or actuals whichever is less (waiting period: 3 years) |
Not Covered | Classic: Not covered Supreme: Not covered Elite: 25,30,50 Lakhs: Rs.200000 100,150 Lakhs: Rs.250000 |
Not covered | |
| New Born baby cover | ||||
Basic: Not Covered Essential & Privilege: Up to Basic sum insured from 1st Day till expiry of Policy or the child is 91 days old whichever is earlier |
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 |
Not covered | |
| Daily Cash for Accompanying an Insured Child | ||||
Basic: Not Covered Essential: Rs.300 per day subject to maximum of Rs.9,000 Privilege: Rs.500 per day subject to maximum of Rs.15,000 |
Not Covered | Not covered | Not covered | |
| Organ Donor Expenses | ||||
| Covered | Not Covered | Covered up to sum insured | Not covered | |
| Vaccination (In case of post bite treatment) | ||||
| Up to 100% of In-patient Treatment Sum Insured or actuals whichever is less | Not Covered | Classic: Up to Rs.2,500 Supreme: Up to Rs.5,000 Elite: Up to Rs.7,500 |
Not covered | |
| Health Check-up | ||||
Individual: 1 Coupon at the end of every claims two continuous claims free year Family Floater: 2 Coupon at the end of every claims two continuous claims free year |
Not Covered | Classic: Not covered Supreme: Annual Elite: Annual |
Not covered | |
| Hospital daily allowance | ||||
Basic: Rs.200 per day Essential: Rs.500 per day Privilege: Rs.1,000 per day (Hospitalisation exceeds 3 days for a maximum number of 7 days) |
Not Covered | Not covered | Not covered | |
| Co-pay | ||||
| 10% co-pay applicable for treatment in Non Network hospitals | 5% Co pay applicable on all claims | Covered | Co-payment of 5% applicable | |
| Pre-existing diseases coverage | ||||
| Covered after 3 years of continuous coverage | 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 48 months | |
| Restore Benefit | ||||
| 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 | |
| Renewal Benefit / Cumulative Bonus | ||||
| 10% every year, maximum up to 50% of sum insured | 5% for every claim free year up to 50% of sum insured | 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 | |
| Available sum insured options | ||||
Basic: Rs.1 & 2 Lakhs Essential: Rs.3 to 5 Lakhs Privilege: Rs.6 to 10 Lakhs |
Rs.1 to 5 Lakhs | Classic: 2/3/4 Lakhs Supreme: 5/10/15/20/50 Lakhs Elite: 25/30/50/100/150 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 year | 1/2 years | 1 years | |
| Eligibility criteria | ||||
| Adults from 18 to 70 years (dependents 91 days to 17 years) | Adults from 18 to 65 years (dependents 91 days to 17 years) | Adults from 18 to 65 years (dependents 91 days to 5 years) | 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 | |
| Claims loading | ||||
| No Loading | No Loading | Applicable | No Loading | |
| Portablity(At the time of renewal) | ||||
| 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 | |
| Universal Sompo | Royal Sundaram | |
|---|---|---|
| Claims Settlement Ratio** | 95.31% | 80.13% |
| Number of Lives Covered* | 11,37,000 | 1,406,000 |
| Network Hospitals | 4,000 + | 5,000 + |
| ||
