Kotak Mahindra vs Royal Sundaram Health Insurance 2026

Overview

Zurich Kotak General Insurance offers health plans for individuals and families, covering hospitalisation, daycare treatments and medical expenses.

COMPANY DETAILS

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Kotak Mahindra

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Royal Sundaram

Number of health insurance plans	No. of Plans 4 ❯	No. of Plans 8 ❯
Sum insured	Sum Insured Up to ₹ 25 L	Sum Insured Up to ₹ 1.5 Cr
Claim ratio	Claim Ratio 96.4%	Claim Ratio 96.17%
Network hospitals	Network Hospital 22600+	Network Hospital 10000+
Solvency Ratio	Solvency Ratio 5.73	Solvency Ratio 2.20
Pan India Presence	Pan India Presence 19	Pan India Presence 160
Claim Form	Claim Form Available	Claim Form Available
Annual premium (company level)	Annual premium (company level) 748.22 Crore	Annual premium (company level) 774.90 Crore
Years in operation	Years in operation 2015	Years in operation 2000
24×7 claim support	24×7 claim support Yes	24×7 claim support Yes
Claims settled within 3 months	Claims settled within 3 months 96.76	Claims settled within 3 months 96
Recommended Videos	▶ Zurich Kotak Health Insurance Review 2025 \| Benefits, Premium &amp; Claim Process Explained ▶ Is Royal Sundaram Health Insurance Worth It? Full Review & Key Highlights

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Know More About Health Insurance Companies

Zurich Kotak Health Insurance

Zurich Kotak Group Health Care Policy

The Kotak Group Health Care insurance plan is detailed here, tailored for active members of Kotak Mahindra Bank and their dependen...

Domiciliary treatment cover
Get wellness benefits
Optional covers available

Domiciliary hospitalization
Daycare procedures
Donor expenses
In-patient treatment care

Obesity treatment unavailable
Breach of law
Cosmetic surgery
Maternity not covered

Room rent capping
AYUSH cover
Wellness benefits

Entry age - 18-55 Years
SI - 3/4/5 Lakhs
Plan type- Individual
Waiting Period - 30 days

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Individual

Zurich Kotak Accident Care Plan

The Zurich Kotak Accident Care Plan provides financial protection against the impact of accidents, covering treatment, hospitaliza...

Funeral expenses extensions
Children’s education grant
Lifelong renewability

Children education grant
Dead remains transportation
Convalescence benefit
Accident daily cash benefit

Room rent charges
Pre and post-hospitalization
Mental disorders
Self-inflicted injury

Ambulance charges
Accidental death
TTD PTD PPD cover

Entry Age 5 to 65 years
Policy term 1/2/3 years

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Individual and Family Health Insurance

Zurich Kotak Health Premier Plan

Kotak Mahindra Health Premier Plan offers comprehensive and customizable health insurance for individuals and families, available ...

Comprehensive coverage
Value-added benefits
Customizable plans

In-patient treatment
daycare treatment
ambulance cover
restoration benefit

Global coverage
modern treatment
IVF cover
Adventure sports

Maternity benefit
cumulative bonus
compassionate travel
vaccination

Entry age 18 years (min) - 65 years (max)
SI 2 Lakh to 2 Crore
Initial waiting period 30 days
Policy period 1/2/3 years

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Individual

Zurich Kotak Group Accident Protect Plan

The Zurich Kotak Group Accident Protect Plan offers essential financial protection against the severe impact of accidents, coverin...

AD PTD & PPD Covers
Children’s Education Grant
Lifestyle Modification Cover

Accident Cover
Accidental Death
Disability Cover

Adventure Sports
Illegal activities
Obesity Treatments

Permanent Total Disability
Partial Disability
Children education

Min Age: 5 Years
Max Age: 65 Years
Sum Insured: 25 L
Initial Waiting Period: NA

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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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