Aditya Birla Health Insurance vs Royal Sundaram Health Insurance

The search for the right health insurance policy has to be thorough but does not have to be hard. With the help of a comparison guide, like this one about Aditya Birla Health Insurance and Royal Sundaram Health Insurance, buying becomes easy! 

Aditya Birla Health Insurance vs Royal Sundaram Health Insurance – Overview 

Parameter	Aditya Birla Health Insurance	Royal Sundaram Health Insurance
No. of health insurance policies	10+	7
E-services	Policy salePolicy renewalClaim settlementOnline consultationBranch locator24x7 customer support	Policy salePolicy renewalClaim settlementOnline consultationBranch locator 24×7 customer care
Branches	650	150
Claim settlement ratio (CSR)	93.68%	85%
Cashless claim settlement time	Within 2 hours	Within 3 hours
Hospital network	7,000+	5,000+

*Source: The Annual Report of the Insurance Regulatory and Development Authority of India (IRDAI) – years 2018-19 

Health Insurance Policies:Aditya Birla Health Insurance vs Royal Sundaram Health Insurance

Aditya Birla Health Insurance has insured over 8.9 million lives across India. In the 5 years from its establishment, the company has built tie-ups with more than 7000 hospitals and countless expert doctors, wellness centres, diagnostic centres, and pharmacies. It offers over 10 health insurance policies. 

Royal Sundaram Health Insurance has insured over 4.5 million lives across India. It is one of the first insurance companies to introduce the cashless mode of claim settlement and benefits like daily hospital cash – implementations that have made health insurance more convenient. It offers 7 health insurance policies. 

Individual and Family Floater Policy: 

Aditya BirlaHealth Insurance has three individual and family-centric policies: 

• Activ Health Platinum – Essential and Enhanced
• Activ Assure Diamond. 

These policies provide sum insured (SI) amounts up to Rs.2,00,00,000. The coverage includes: 

• In-patient hospital care, pre and post-hospital care, and domiciliary (home) care expenses
• Alternate (AYUSH) treatments
• Over 500 daycare procedures 
• Road ambulance expenses
• Chronic diseases without any waiting period 

Some of the other advantages include:

• Annual health check-ups
• Lifestyle management and wellness programs 
• Health rewards for staying active
• Second e-opinions for critical ailments 
• Daily hospital cash allowances 
• Recovery benefits for extended in-patient hospitalization 

Royal Sundaram Health Insurance offers two individual and family-centric policies:

• Lifeline –Classic, Supreme, Elite
• Family Plus 

These policies provide SI amounts up to Rs.1,50,00,000 and cover: 

• Domiciliary care, in-patient hospital care, and pre and post-hospital care
• Daycare procedures
• Organ donor transplantation expenses
• Alternative treatments (AYUSH) 
• Vaccination expenses arising from animal bites 
• Maternity and newborn baby needs
• Ambulance services
• Emergency domestic evacuation 
• Pre-existing diseases after a 3-year waiting period 

100% reload of SI and up to 100% cumulative bonus on a claim-free year are other major advantages.

Personal Accident Policy: 

Aditya Birla Health Insurance’s Personal Accident Policy called Activ Secure provides: 

• Lump-sum payouts of the entire SI on accidental death and permanent total disability 
• Payout of up to 100% SI on permanent partial disability
• Weekly income supplement for up to 100 weeks on temporary total disability
• Cover for OPD treatments of injuries caused due to an accident 
• Lump-sum payout of 10% of the SI towards a dependent child’s education
• Payment of up to 10% of the SI as orphan benefits on the accidental death of parents
• Add-on covers for broken bones, coma, burns, and injuries caused by adventure sports 
• Value-additions such as modification benefit, compassionate visit benefit, and recovery benefit 

Royal Sundaram Health Insurance’s Personal Accident Policy provides SI amounts of Rs.20,00,000 and above. It offers: 

• Lump-sum payout of 100% SI on accidental death or permanent total disability 
• Payout of up to 100% SI on permanent partial disability
• Weekly monetary benefit for up to 104 weeks on temporary total disability
• Education grants of Rs.10,000 
• Reimbursements up to Rs.5,000 for transportation of mortal remains 

Corona Kavach Policy: 

Corona Kavach Policies from Aditya Birla Health Insurance and Royal Sundaram Health Insurance share similar features and provide: 

• SI amounts between Rs.50,000-Rs.5,00,000
• Cover for pre, post and in-hospital care
• Home care and AYUSH treatment coverage
• Daily hospital cash benefits 

Royal Sundaram gives a 5% discount on the premium to healthcare workers. Aditya Birla covers the expenses for protective equipment like PPE kits, masks and gloves.