Reliance Health Insurance vs Royal Sundaram Health Insurance

In your day-to-day life, you might not find any reason to worry about health problems in the present. Such issues might seem to be way-off in the unforeseeable future. But, it is not advisable to think you are impervious to them. Needs for medical assistance might arise at any moment. Moreover, with the rising threats of novel infectious diseases, lifestyle disorders, and terminal illnesses, it is essential to safeguard yourself against a medical crisis’s financial impact. 

Learn more about the benefits of health insurance by going through this comparison guide of Reliance Health Insurance and Royal Sundaram Health Insurance.  

Reliance Health Insurance vs Royal Sundaram Health Insurance – Overview 

Parameter Reliance Health InsuranceRoyal Sundaram Health Insurance
No. of health insurance policies10+7
E-servicesPolicy salePolicy renewalClaim settlementOnline consultationBranch locator24x7 customer servicePolicy salePolicy renewalClaim settlementOnline consultationBranch locator 24×7 customer care
Branches130+150+
Claim settlement ratio (CSR)94%77.32%
Network Hospitals 7,000+5,000+

*Source: The Annual Report of the Insurance Regulatory and Development Authority of India (IRDAI) –years 2019-20. 

Health Insurance Policies: Reliance Health Insurance vs Royal Sundaram Health Insurance

Reliance Health Insurance offers over 10 health insurance policies, with extensive protection for individuals, families, senior citizens, and corporate groups. Accidents, life-threatening diseases, and COVID-19 are some of the eventualities covered under its plans. 

Royal Sundaram Health Insurance offers 7 health insurance policies. Each policy provides all-round coverage for individuals, small and large families, mothers, and senior citizens. Accidents, critical ailments, and COVID-19 are some of the health scares covered under its health plans. 

Family Floater Policy: 

Reliance Health Insurance offers 3 family floater policies: 

  • Health Gain 
  • Health Wise 
  • Health Infinity 

These policies provide: 

  • Sum insured (SI) amounts up to Rs. 1,00,00,000
  • Coverage for: 
  • Pre-, post-, and in-patient hospital care 
  • Home hospitalization
  • Ayurveda, Unani, Siddha, Naturopathy and Homeopathy (AYUSH) treatments 
  • Daycare procedures
  • Organ donor transplant expenses 
  • Critical illnesses 
  • Robotic/ advanced technology surgeries 
  • Plastic surgery needed due to an accident/ burns/ cancer 
  • Pre-existing diseases (after the waiting period) 
  • Ambulance costs up to Rs. 1,500 per hospitalization 
  • Daily hospital cash benefits and wellness benefits 
  • Auto-restoration of the entire SI 
  • Up to 15% discounts on premiums 

Royal Sundaram offers 2 family floater plans:

  • Lifeline 
  • Family Plus 

These policies provide: 

  • SI amounts up to Rs. 1,50,00,000
  • Coverage for:
  • Pre, post and in-patient hospital care
  • Home hospitalization
  • AYUSH treatments
  • Daycare procedures
  • Bariatric surgery 
  • Maternity and newborn baby needs 
  • Organ donor transplant expenses
  • Health check-up
  • IVF treatment after a 4-year waiting period 
  • Up to Rs. 7,500 for vaccination expenses caused by an animal bite  
  • Ambulance costs up to Rs. 4,000 per hospitalization 
  • Emergency domestic evacuation costs
  • Mobility equipment, such as wheelchairs, crutches, etc. 
  • Health and wellness benefits 
  • 100% restoration of the SI 

Personal Accident Policy: 

Reliance Health Insurance’s Personal Accident Policy features: 

  • SI amounts up to Rs. 20,00,000 at low premium rates 
  • 100% of the SI on accidental death
  • 100% of the SI for permanent total disability 
  • Up to 75% of the SI for permanent partial disability 
  • A child education benefit for the insured’s dependent children 
  • 100% reimbursement of in-patient hospitalization expenses 
  • Up to Rs. 2,500 payouts for transportation expenses 
  • Complete waiver of pre-policy medical check-ups and documentation 
  • Worldwide coverage  

Royal Sundaram’s Personal Accident Policy provides: 

  • SI amounts up to Rs. 75,00,000 at premiums as low as Rs. 2 per day 
  • SI amounts up to Rs. 10,00,000 without proof of income 
  • 100% of the SI on accidental death
  • 100% of the SI for permanent total disability 
  • Up to 75% SI for permanent partial disability
  • Up to Rs. 10,000 per week for temporary total disability
  • An education fund of Rs. 10,000 for the insured’s dependent children 
  • Recovery benefits up to Rs. 50,000
  • 100% restoration of the SI 

Corona Kavach Policy: 

As per the IRDAIs directive, issued to battle COVID-19, all insurers across India now offer the Corona Kavach Policy. The policy shares standard features and benefits across insurers and includes Reliance Health Insurance and Royal Sundaram Health Insurance.

The benefits include: 

  • SI amounts up to Rs. 5,00,000
  • Coverage for:
  • Pre-, post-, and in-patient hospital care 
  • Home hospitalization
  • AYUSH treatments
  • Comorbidities 
  • Daily hospital cash allowances 
  • Road ambulance costs 
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