Iffco Tokio vs Royal Sundaram Health Insurance 2026

Overview

IFFCO Tokio General Insurance (a 2000 JV of IFFCO and Tokio Marine) offers health plans for individuals and families—covering hospitalisation, day care and pre/post-hospital costs, with cashless treatment at network hospitals and flexible sum insured.

COMPANY DETAILS

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Iffco Tokio

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Royal Sundaram

Number of health insurance plans	No. of Plans 2 ❯	No. of Plans 8 ❯
Sum insured	Sum Insured Up to ₹ 1 Crore	Sum Insured Up to ₹ 1.5 Cr
Claim ratio	Claim Ratio 95.82%	Claim Ratio 96.17%
Network hospitals	Network Hospital 8000+	Network Hospital 10000+
Solvency Ratio	Solvency Ratio 1.85	Solvency Ratio 2.20
Pan India Presence	Pan India Presence 63	Pan India Presence 160
Claim Form	Claim Form Available	Claim Form Available
Annual premium (company level)	Annual premium (company level) 904.70 Crore	Annual premium (company level) 774.90 Crore
Years in operation	Years in operation 2000	Years in operation 2000
24×7 claim support	24×7 claim support No	24×7 claim support Yes
Claims settled within 3 months	Claims settled within 3 months 89.37	Claims settled within 3 months 96
Recommended Videos	▶ IFFCO Tokio Health Insurance ▶ Is Royal Sundaram Health Insurance Worth It? Full Review & Key Highlights

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Know More About Health Insurance Companies

IFFCO Tokio Health Insurance

Family Health Protector Policy

The IFFCO Tokio Family Health Protector Plan is a comprehensive health insurance policy covering a wide range of medical expenses ...

Restoration of the Sum Insured
Coverage Against Terrorism
Emergency Assistance Service

Income Tax benefits
Hassle-free claims
4000+ network hospitals

Pre-Existing Diseases
Illegal activities
Self-harm

Medical Consultation
Emergency Cash
Modern Treatment

18 to 65 Years

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Individual and Family Health Insurance

IFFCO TOKIO MOS-Bite Protector Policy

IFFCO Tokio's MOS-Bite Protector Policy offers a lump sum payment for diagnosis and 48+ hours of hospitalization due to 7 specific...

Coverage for 7 diseases
Family coverage
Up to 1 lakh SI

Lump sum Sum Insured up to 1 Lakh
Dengue coverage
Malaria coverage

Adventure sports injuries
Illegal activities
Self-inflicted injuries

High Sum Insured options
Family coverage
Zika Virus coverage

Minimum entry age: 18 years Maximum entry age: 65 years Sum Insured: Up to 1 Lakh Initial waiting period: 30 days

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Royal Sundaram Health Insurance

Royal Sundaram Lifeline Supreme

The Royal Sundaram Lifeline Supreme Health Plan provides comprehensive health coverage for individuals and families, with sum insu...

Up to 1 Crore SI
4X Mobility Devices Cover
Health and Wellness Cover

Re-load of sum insured
Health check-up
App-based cabs

Illegal activities
Alcoholism
Self-inflicted harm

Annual Health Check-up
Emergency Evacuation
Second Opinion

Min Entry Age: 18 Years
Max Entry Age: No limit
Initial Waiting Period: 30 Days
Sum Insured: 1 Crore

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Accident Health Insurance

Royal Sundaram Health Personal Accident Policy

The Royal Sundaram Personal Accident Policy provides comprehensive financial protection against accidental death, various disabili...

Global Coverage Available
5 Crore SI
Education Grant

Higher sum insured available
Accidental death cover
Disability cover

Illegal activities
Alcoholism
Adventure sports

Worldwide coverage
Education grant
Cumulative bonus

Min entry age: 18 Years
Max entry age: 70 Years
Sum Insured: Up to 1.5 Crores

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Individual and Family Health Insurance

Royal Sundaram Multiplier Health Plan

Royal Sundaram's Multiplier Health Insurance Plan provides extensive coverage, offering up to 11 times the sum insured for emergen...

11X Multiplier Benefit
4X Multiplier Benefit
Emergency Domestic Evacuation

No Claim Bonus
Modern Treatments
AYUSH Treatment

Illegal activities
alcoholism
obesity and weight management

Flexi Reload Benefit
Health and Wellness Benefit
Ambulance Cover

Min Entry Age: 18 years
Max Entry Age: 65 years
Initial Waiting Period: 30 days
Sum Insured: Up to 25 L

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Individual

Royal Sundaram Surrosafe Plan

Royal Sundaram's Surrosafe health plan offers essential coverage for surrogate mothers and oocyte donors, fulfilling the mandate o...

Cover for Surrogacy
Oocyte Donor Cover
Daycare Procedures

Covers surrogate mothers
Covers oocyte donors
Ambulance cover

Illegal activites
adventure sports
self-harm

Inpatient hospitalization
Room rent cover
Daycare Procedures

Min entry age: 18 Years; Max entry age: 35 Years
Sum Insured: Up to 5 L

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Individual and Family Health Insurance

Royal Sundaram Family Plus Plan

Royal Sundaram's Family Plus Health Insurance Plan provides comprehensive coverage for up to 19 family members, including extended...

Emergency domestic evacuation
Maternity cover benefits
Health & wellness benefits

Ambulance Cover
Reload of Sum Insured
Second Opinion for 11 specified Critical Illness

Investigation & Evaluation
Obesity/ Weight Control
Alcoholism

Maternity cover
Health and wellness
Nutritional allowance

Min entry age: 18 years
Max entry age: No upper limit
Sum Insured: Up to 50 L
Initial waiting period: 30 days

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Top Up and Super Top Up

Royal Sundaram Advanced Top-Up Plan

The Royal Sundaram Advanced top-up plan extends health coverage beyond a base policy, crucial when the primary sum insured is exha...

Home care treatment
Life protect benefits
2nd opinion for 22 critical illnesses

Life protect benefit
PEDs waiting period reduction
Modern treatment
No cost SI restore
Home care treatment

Obesity control
No change-of-gender
Cosmetic/plastic surgery
Hazardous/adventure sports
Breach of law

AYUSH cover
Critical illness 2nd opinion
Daycare treatment
Organ donor expenses
In-patient hospitalization

Child Entry Age - 91 days - 25 years
Adult Entry Age- 18 - 65 years
SI - INR 10 - 95 Lakhs
Waiting Period - 30 days

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Individual and Family Health Insurance

Royal Sundaram Lifeline Elite Plan

The Royal Sundaram Lifeline Elite Plan provides comprehensive health coverage, particularly beneficial for international travelers...

11 specified critical illnesses cover
Worldwide emergency hospitalization
Maternity & newborn covers

Cancer of specified severity
Heart attack
Kidney failure

Illegal activites
Alcoholism
Obesity

Emergency domestic evacuation
Worldwide cover
Tax benefits

Min entry age: 18 Years
Max entry age: 65 Years
Initial Waiting Period: 30 Days
Sum Insured: Up to 1.5 Cr

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Individual and Family Health Insurance

Lifeline Health Insurance Plan

Royal Sundaram Lifeline is a comprehensive health insurance plan, offering coverage for in-patient care, ambulance charges, matern...

Plan benefits
Types of plans offered
Plan features & buying process

Domiciliary Hospitalization
Worldwide Emergency Hospitalization
International Treatment Abroad

Illegal Activities
Adventure Sports
Alcoholism

Preventive healthcare and wellness
Reload of Sum Insured
OPD Cover

Min Entry Age 18 Years
Max Entry Age No Upper Age Limit
Initial Waiting Period 30 Days
Sum Insured Up to 1.5 Crore

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Expert Reviewed

Reviewed By: Raj Kumar

With over 12 years of rich experience in the BFSI domain, with a specialisation in Life and Health Insurance, I have played a pivotal role in simplifying the insurance-buying process and delivering unparalleled service.

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