Royal Sundaram Insurance vs Star Health Insurance

Protecting your health and the health of your family in the face of crises is critical. A health insurance plan equips you against any medical emergency. It also reduces the financial burden of treatments. This Royal Sundaram and Star Health Insurance comparison guide will give you an idea of what to look for in a health insurance policy. 

Royal Sundaram and Star Health Insurance Comparison – Overview

Parameter Royal Sundaram Insurance Star Health Insurance
Number of health insurance plans 5 11
E-services Policy purchase, renewal, claim settlement, online consultation, 24×7 customer care. Policy purchase, renewal, claim settlement, online doctor consultation, 24×7 customer care.
Branches 150 640+
Claim settlement ratio 85% 90%
Claim settlement time Cashless claims settlement within 3 hours subject to 48-72 hour intimation  Cashless claims settlement within 2 hours
Hospital network 5,000+ 9,900+

Source: Insurance Regulatory and Development Authority of India (IRDAI) Annual Report 2018-19. 


Health Insurance Policy: Royal Sundaram Versus Star Health Insurance 

Royal Sundaram offers 5 health care plans in total. Each provides extensive coverage for a range of individual and family needs. 

Star Health Insurance offers 11 health insurance policies. These plans provide coverage for individual, family, and senior citizen needs. These plans also cover critical illnesses, COVID-19, etc. 

Go through each point of the Royal Sundaram and Star Health Insurance comparison guide and select a plan that suits your needs. 


Individual Health Insurance Plans: 

Royal Sundaram offers a Lifeline Health Insurance plan that has 3 different sub-plans. Barring some minor differences, the sub-plans called Lifeline Classic, Lifeline Supreme and Lifeline Elite provide similar coverage. Key features:

  • Covers pre, post and in-patient hospitalization charges (the period of cover varies as per the plans)
  • Gives coverage for day-care treatment (up to the sum assured value) and AYUSH treatment 
  • Provides annual health check-ups, vaccination for animal bites, second opinion for 11 critical illnesses
  • Covers ambulance charges and preventive healthcare charges 

Star Health Insurance covers individual healthcare needs in all its plans whether they’re family floater plans or disease-centred plans. Similar offerings of the policies include:

  • Covers in-patient, pre-and post-hospitalization expenses
  • Covers maternity expenses, newborn expenses, organ donor expenses, ambulance expenses and others
  • Covers expenses for 400 day-care procedures and AYUSH treatment
  • Includes regular health check-ups and second consultations
  • No capping on room rent


Family Health Insurance Plans: 

Royal Sundaram offers 2 family floater plans. The first plan is the Lifeline Health Insurance plan that covers you, your spouse and your children’s needs. The other is the Family Plus plan that covers the needs of large families and encompasses up to 19 relations in a single plan. The features of the Lifeline Health Insurance plan are above. The key offerings of the Family Plus plan are: 

  • An Individual sum assured up to Rs.15 lakhs; floater sum assured up to Rs.50 lakhs
  • Removes restriction of maximum age limit 
  • Provides coverage for critical illness needs 
  • Covers pre, post and in-patient hospitalization needs 
  • Covers expenses for daycare procedures and AYUSH treatment 
  • Covers maternity expenses and provides a special nutritional allowance

Star Health Insurance offers a range of plans that provide exhaustive coverage for your entire family’s healthcare needs. Below are their similar offerings:

  • Covers in-patient, pre-and post-hospitalization charges
  • Covers maternity and newborn expenses
  • Provides personal accident covers
  • Provides a cover for complex medical procedures
  • Covers donor expenses and AYUSH treatment charges
  • Includes regular health check-ups and second consultations


COVID-19 Plans: 

The onset of COVID-19 has had the harshest effects on people. Increasingly, people need quality and affordable health care. For this reason, the Insurance Regulatory Development Authority of India has mandated all insurance companies to offer plans that provide coverage against COVID-19. 

Royal Sundaram offers a COVID Secure policy and Star Health Insurance offer 3 specialized health insurance policies – Corona Kavach, Corona Rakshak and Star Novel Coronavirus. After comparing Royal Sundaram versus Star Health Insurance, it is evident that both companies provide similar coverage against COVID-19. Common features include: 

  • Offer lump-sum payment on being diagnosed Corona positive
  • Covers pre, post and in-hospitalization expenses
  • Covers home quarantine expenses 
  • Allows cashless hospitalization 

Assess your healthcare needs and budget before buying a health insurance policy. You can also take the help of professional insurance experts to choose the right plan.

FAQs: Royal Sundaram Insurance Vs Star Health Insurance Plan

What is the eligible age for buying health insurance?

Usually, the eligible age ranges between:
1. 18 years to 65 years for adults
2. 90 days to 18 years for children

Some insurance companies go that extra mile and provide coverage for infants and senior citizens above the age of 65 too.

What is the validity of a health insurance policy?

The validity of a health insurance plan usually ranges for 1-3 years. But, you can renew your policy as most insurance companies provide the option of lifetime renewability.

What documents do I need to submit to avail a health insurance policy?

To buy a health insurance policy, you have to submit the following documents:
1. Age proof
2. Identity proof
3. Address proof
4. Passport size photograph
5. Medical test results (depending on the insurance company)