Royal Sundaram Health Insurance vs Tata AIG Health Insurance

With the increase in the number of diseases every year, coupled with the rising cost of healthcare, it is almost mandatory to get a health insurance policy at the earliest. A health insurance policy is the best financial cushion you can get to cover yourself and your loved ones in the event of any unforeseen health crisis. To find a policy suiting your health needs and financial capacity, you can compare the different policies offered by trusted health insurance companies like Royal Sundaram Health Insurance and Tata AIG Health Insurance.

Royal Sundaram Health Insurance versus Tata AIG Health Insurance – Overview 

Parameter Royal Sundaram Health Insurance Tata AIG Health Insurance
Number of health insurance plans 7 11
E-services Policy salePolicy renewalClaim settlementOnline consultationBranch locator 24×7 customer care Policy salePolicy renewalClaim settlement Branch locatorOnline consultation24x7 customer support 
Branches 150+ 90+
Claim settlement ratio 85% 78.93%
Cashless claim settlement time Within 3 hours  Within 4 hours
Hospital network 5,000+ 5,800+ 

*Source: IRDAI Annual Report 2018-19

Health Insurance Policies: Royal Sundaram Health Insurance versus Tata AIG Health Insurance

Royal Sundaram Health Insurance has been offering health insurance services since 2000. The company has tied up with over 50 reputed hospitals like National Heart Institute, Kalra Hospital, NRI Academy of Sciences, Shroff Eye Centre and many other reputed healthcare providers to provide health care services to its policyholders all over India. 

Tata AIG Health Insurance started providing health insurance services from 2001. Ever since, it has made a significant impact in the insurance sector. It offers 11 health insurance policies that provide extensive coverage to its policyholders for different types of ailments. 

This 3-plan comparison of Royal Sundaram Health Insurance and Tata AIG Health Insurance companies will help you pick an insurance policy matching your needs. 

Family Floater Policy: 

Royal Sundaram has two family-floater policies:

  • Lifeline – Classic, Supreme, and Elite 
  • Family Plus 

These policies offer: 

  • A sum insured (SI) amount up to Rs.1,50,00,000
  • Cover for in-patient hospitalization and domiciliary hospitalization 
  • Cover for pre and post hospitalization 
  • Coverage for day care treatments, domiciliary hospitalization, and non-allopathic (AYUSH) # treatment 
  • A maternity cover, newborn baby cover and vaccination cover for the newborn 
  • Cover for organ donor expenses and vaccination expenses for animal bites 
  • Cover for ambulance expenses (up to Rs.4,000 per hospitalization) and domestic evacuation (up to Rs.1,00,000)
  • Cover for bariatric surgery and IVF treatment after the waiting period 

# – AYUSH (Ayurveda, Yoga, Unani, Siddha, Homeopathy)

Tata AIG has four family floater policies: 

  • Tata AIG MediPlus
  • Tata AIG MediCarePlus
  • Tata AIG MediRaksha 
  • Tata AIG WellInsurance Family Health Insurance

These policies offer: 

  • Reimbursement for in-patient hospitalization expenses 
  • Reimbursement for pre and post hospitalization expenses 
  • Reimbursement for domiciliary hospitalization, 
  • Coverage for over 140 daycare procedures, organ donor expenses and AYUSH treatment 
  • Coverage for dental treatment due to an accident/ illness
  • Daily in-hospital cash benefits for up to 90 days 
  • Option to add critical illness benefit diagnosis of critical illnesses covered under the plan
  • Waiver of the pre-policy medical test for individuals aged up to 55 years 

Arogya Sanjeevani Policy: 

Arogya Sanjeevani Policies are standard and affordable health insurance policies offered by insurance companies across India in line with the directive passed by the IRDAI. These are no-frills plain vanilla policies.

Both Royal Sundaram Health Insurance and Tata AIG Health Insurance offer Arogya Sanjeevani Policies that provide: 

  • A sum insured (SI) amount up to Rs.5,00,000
  • Cover for in-patient hospitalization expenses
  • Cover for pre and post hospitalization expenses 
  • Cover for AYUSH treatment, cataract treatment and modern technology treatment (up to the sub-limits specified under the policy)

Corona Kavach Policy: 

Royal Sundaram Corona Kavach Policy offers: 

  • Reimbursement of pre and post hospitalization expenses
  • Reimbursement of in-patient hospitalization expenses
  • Reimbursement of expenses incurred for AYUSH treatment 
  • Coverage for home-care treatment 

Tata AIG’s Corona Kavach Policy offers: 

  • Reimbursement of pre and post hospitalization expenses
  • Reimbursement of in-patient hospitalization expenses
  • Reimbursement of expenses incurred for AYUSH treatment 
  • Reimbursement for home care treatment expenses 

With access to the comparative features of Royal Sundaram Health Insurance vs Tata AIG Health Insurance, you will be able to make an informed choice.