National Health vs Royal Sundaram

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Overview

National Insurance Company Limited is the oldest government-owned general insurance company in India. It was started on December 5, 1906, in Kolkata under the Indian Companies Act, 1882. The company is fully owned by the Government of India and has a long history of serving customers. It offers different types of insurance, including health, motor, and property. With over a century of experience, it is known for its trust, stability, and wide presence across the country.
COMPANY DETAILS Edit

National Health

Edit

Royal Sundaram

Number of health insurance plans
Sum insured

Sum Insured

Up to 2 Crores

Sum Insured

Up to 1.5 Cr
Claim ratio

Claim Ratio

91.31%

Claim Ratio

96.17%
Network hospitals

Network Hospital

3200+

Network Hospital

10000+
Solvency Ratio

Solvency Ratio

-0.67

Solvency Ratio

2.20
Pan India Presence

Pan India Presence

850

Pan India Presence

160
Claim Form

Claim Form

Available

Claim Form

Available
Annual premium (company level)

Annual premium (company level)

8,589.90 Crore

Annual premium (company level)

774.90 Crore
Years in operation

Years in operation

1906

Years in operation

2000
24×7 claim support

24×7 claim support

Yes

24×7 claim support

Yes
IRDAI registration number

IRDAI registration number

58

IRDAI registration number

102
Claims settled within 3 months

Claims settled within 3 months

91.18

Claims settled within 3 months

96
Recommended Videos
National Health Insurance

National Health Insurance

Is Royal Sundaram Health Insurance Worth It? Full Review & Key Highlights

Is Royal Sundaram Health Insurance Worth It? Full Review & Key Highlights

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National Health Insurance

Family Floater Health Insurance

National Parivar Mediclaim Plus is a versatile family floater health insurance policy that comes in three different plan options: A, B, and C. The pla...

Unique Features

  • Multiple Plan Options
  • Up to 50 L SI
  • Avail Maternity Cover

National Parivar Mediclaim Plus Policy (Pros)

National Parivar Mediclaim Plus Policy
  • Multiple Discount Options
  • Tax Benefits
  • Road Accident Cover

National Parivar Mediclaim Plus Policy (Cons)

National Parivar Mediclaim Plus Policy
  • Hazardous or Adventure Sports
  • Treatment for Alcoholism
  • Drug or Substance Abuse

National Parivar Mediclaim Plus Policy (Other Benefits)

National Parivar Mediclaim Plus Policy
  • Maternity Cover
  • Infertility Treatment
  • Vaccination for Children

National Parivar Mediclaim Plus Policy (Eligibility Criteria)

National Parivar Mediclaim Plus Policy
  • Min entry age: 18 years
  • Max entry age: 65 years
  • Initial Waiting Period: 30 days
  • Sum Insured: Up to 50 Lakhs

Individual and Family Health Insurance

National Young India Mediclaim Policy is an indemnity-based insurance policy available as an individual and family floater health plan. This standard ...

Unique Features

  • Maternity Cover
  • Cataract Cover
  • High SI Cover

National Young India Mediclaim Policy (Pros)

National Young India Mediclaim Policy
  • Room Rent Cover
  • Day Care Procedure
  • AYUSH Treatment

National Young India Mediclaim Policy (Cons)

National Young India Mediclaim Policy
  • Morbid Obesity Treatment
  • Illegal Activities
  • Adventure Sports

National Young India Mediclaim Policy (Other Benefits)

National Young India Mediclaim Policy
  • Cumulative Bonus
  • Wellness Discount
  • Long Term Discount

National Young India Mediclaim Policy (Eligibility Criteria)

National Young India Mediclaim Policy
  • Min entry age: 18 years
  • Max entry age: 43 years
  • Initial Waiting Period: 30 days
  • Sum Insured: Up to 10 Lakhs

Group Health Insurance

Buying individual health insurance can be challenging due to high monthly premiums. A group mediclaim policy offers comprehensive health support benef...

Unique Features

  • Coverage for modern treatment
  • Covers HIV/AIDS treatment
  • Covers 140+ daycare procedures

National Insurance Group Mediclaim Policy (Pros)

National Insurance Group Mediclaim Policy
  • 140+ daycare procedures
  • HIV cover
  • Affordable premiums
  • AYUSH cover

National Insurance Group Mediclaim Policy (Cons)

National Insurance Group Mediclaim Policy
  • Treatment outside India
  • OPD diagnostics
  • Adventure sport injuries
  • Injuries due to illegal activity

National Insurance Group Mediclaim Policy (Other Benefits)

National Insurance Group Mediclaim Policy
  • Co-payment discounts available
  • PED cover
  • 30-day pre-hospitalisation
  • Modern treatment

National Insurance Group Mediclaim Policy (Eligibility Criteria)

National Insurance Group Mediclaim Policy
  • Entry Age: 3 Months
  • Maximum Entry Age: N/A
  • Sum Insured: INR 50
  • 000 to INR 10 Lakhs
  • Waiting Period: 30 days

Accident Health Insurance

You can buy the National Insurance personal accident plan on an individual or family floater basis; it acts as a standalone policy. This policy is des...

Unique Features

  • PPD/ PTD & TTD cover
  • Accidental death coverage
  • Assured death payout

National Personal Accident Policy (Pros)

National Personal Accident Policy
  • 100% accidental death payout
  • PTD benefit
  • PPD benefit
  • TTD benefit

National Personal Accident Policy (Cons)

National Personal Accident Policy
  • PEDs not cover
  • Adventure sports not covered
  • Vaccination not covered

National Personal Accident Policy (Other Benefits)

National Personal Accident Policy
  • Mortal remains portability
  • Death coverage benefits
  • Loss of organ cover
  • Educational fund

National Personal Accident Policy (Eligibility Criteria)

National Personal Accident Policy
  • Entry age: 5-70 years
  • SI: Upto INR 10 lakh
  • Policy tenure: 1 year
  • Waiting period: None

Individual and Family Health Insurance

National Mediclaim Plus Policy is a high sum insured policy that indemnifies for in-patient treatment expenses, 140+ day care procedures/surgeries, Ay...

Unique Features

  • National Mediclaim Plus features
  • Learn about the eligibility criteria
  • Exclusions & claim process

National Mediclaim Plus Policy (Pros)

National Mediclaim Plus Policy
  • 12 modern treatment covered
  • Maternity covered
  • Lifelong renewability

National Mediclaim Plus Policy (Cons)

National Mediclaim Plus Policy
  • Pre-existing diseases
  • Treatment outside India
  • Adventure sports injury

National Mediclaim Plus Policy (Other Benefits)

National Mediclaim Plus Policy
  • COVID vaccination
  • Air ambulance
  • Hospital cash benefit

National Mediclaim Plus Policy (Eligibility Criteria)

National Mediclaim Plus Policy
  • Min entry age: 18 Years
  • Max entry age: 65 Years
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 50 L

Individual and Family Health Insurance

National Insurance Mediclaim Policy is a traditional health insurance plan that provides comprehensive coverage to policyholders. This plan was launch...

Unique Features

  • National Mediclaim plan features and benefits
  • Eligibility criteria
  • Easy claim process

National Mediclaim Policy (Pros)

National Mediclaim Policy
  • All-Inclusive Coverage
  • No Claim Bonus
  • Lifelong Renewability
  • Wide Network of Hospitals

National Mediclaim Policy (Cons)

National Mediclaim Policy
  • Cosmetic Surgery
  • IVF
  • Dental Treatment
  • Maternity Coverage

National Mediclaim Policy (Other Benefits)

National Mediclaim Policy
  • Tax Benefits
  • Avail 10% Discount
  • Health Incentives

National Mediclaim Policy (Eligibility Criteria)

National Mediclaim Policy
  • Min entry age: 18 years
  • Max entry age: 65 years
  • Initial Waiting Period: 30 days
  • Sum Insured: Up to ₹10 Lakhs

Individual and Family Health Insurance

National Parivar Mediclaim Policy aims to encourage the protection of the whole family on a single sum insured. This is a family floater plan that pro...

Unique Features

  • Explore the plan’s key features
  • Find out the eligibility criteria
  • Learn its benefits & exclusions

National Parivar Mediclaim Policy (Pros)

National Parivar Mediclaim Policy
  • Infertility treatment cover
  • Vaccination covered
  • Ambulance covered
  • Cataract covered

National Parivar Mediclaim Policy (Cons)

National Parivar Mediclaim Policy
  • Treatment outside India
  • OPD diagnosis
  • Adventure sports

National Parivar Mediclaim Policy (Other Benefits)

National Parivar Mediclaim Policy
  • AYUSH cover
  • No co-pay
  • Vaccination

National Parivar Mediclaim Policy (Eligibility Criteria)

National Parivar Mediclaim Policy
  • Min entry age: 18 Years
  • Max entry age: 65 Years
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 10 L

Individual and Family Health Insurance

National Arogya Sanjeevani Policy is a standard indemnity health insurance product from National Health Insurance Company, with a Sum Insured up to 10...

Unique Features

  • Understand the plan features
  • Learn about its eligibility criteria
  • Know more about its exclusions

National Arogya Sanjeevani Policy (Pros)

National Arogya Sanjeevani Policy
  • Online purchase discount
  • EMI facility available
  • High Sum Insured
  • Affordable premium.

National Arogya Sanjeevani Policy (Cons)

National Arogya Sanjeevani Policy
  • Treatment outside India
  • OPD diagnostics
  • Adventure sport injuries
  • Injuries due to illegal activities.

National Arogya Sanjeevani Policy (Other Benefits)

National Arogya Sanjeevani Policy
  • Enhanced limits for room rent
  • Online discounts available
  • Option to change sum insured
  • Lifelong renewal.

National Arogya Sanjeevani Policy (Eligibility Criteria)

National Arogya Sanjeevani Policy
  • Minimum entry age: 18 years
  • Maximum entry age: 65 years
  • Initial waiting period: 30 days
  • Sum Insured: Up to ₹10 Lakhs.

COVID-19 Specific Health Insurance

National Health Insurance Company has recently launched an insurance plan called 'Corona Kavach Policy' that provides coverage for expenses incurred d...

Unique Features

  • Corona Kavach features and benefits
  • Eligibility requirements
  • Buying process of the plan

National Corona Kavach Policy (Pros)

National Corona Kavach Policy
  • Covers spouse and children
  • Home care treatment
  • No sub-limit

National Corona Kavach Policy (Cons)

National Corona Kavach Policy
  • Treatment outside India
  • OPD diagnosis
  • Injury due to illegal activity

National Corona Kavach Policy (Other Benefits)

National Corona Kavach Policy
  • 15-day pre-hospitalization
  • Discounts available
  • Tax benefits

National Corona Kavach Policy (Eligibility Criteria)

National Corona Kavach Policy
  • Min entry age: 18 years
  • Max entry age: 64 years
  • Initial Waiting Period: 30 days
  • Sum Insured: Up to 5 Lakhs

Top Up and Super Top Up

National Super Top-up Mediclaim Policy is a high-threshold health insurance product, covering family members under a single sum insured on a floater b...

Unique Features

  • Super Top-up Mediclaim features and benefits
  • Eligibility criteria
  • Modern treatment cover

Super Top-up Mediclaim Policy (Pros)

Super Top-up Mediclaim Policy
  • Organ donation covered
  • Morbid obesity treatment covered
  • Portability allowed
  • High SI

Super Top-up Mediclaim Policy (Cons)

Super Top-up Mediclaim Policy
  • Treatment outside India
  • OPD diagnosis
  • Adventure sport injuries

Super Top-up Mediclaim Policy (Other Benefits)

Super Top-up Mediclaim Policy
  • Affordable premiums
  • Tax benefits
  • HIV/AIDS cover

Super Top-up Mediclaim Policy (Eligibility Criteria)

Super Top-up Mediclaim Policy
  • Min entry age: 18 years
  • Max entry age: 65 years
  • Initial Waiting Period: 30 days
  • Sum Insured: Up to 20 L

Senior Citizen Health Insurance

National Senior Citizen Mediclaim Policy is a plan designed for senior citizens, allowing them to live a relaxed life post-retirement. It covers expe...

Unique Features

  • Plan options available
  • Domiciliary hospitalization
  • Modern treatments

National Senior Citizen Policy (Pros)

National Senior Citizen Policy
  • Reinstatement of Sum Insured
  • Cataract
  • Ambulance Cover

National Senior Citizen Policy (Cons)

National Senior Citizen Policy
  • Obesity
  • Adventure Sports
  • Illegal Activities

National Senior Citizen Policy (Other Benefits)

National Senior Citizen Policy
  • Hospital Cash
  • Doctor's Home Visit
  • Funeral Expenses

National Senior Citizen Policy (Eligibility Criteria)

National Senior Citizen Policy
  • Min entry age: 60 Years
  • Max entry age: 80 Years
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 10 L

Royal Sundaram Health Insurance

Individual and Family Health Insurance

Royal Sundaram Lifeline Supreme Health Plan is a one-of-a-kind health insurance plan that offers holistic coverage with a wide range of benefits such ...

Unique Features

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

Royal Sundaram Lifeline Supreme (Pros)

Royal Sundaram Lifeline Supreme
  • Re-load of sum insured
  • Health check-up
  • App-based cabs

Royal Sundaram Lifeline Supreme (Cons)

Royal Sundaram Lifeline Supreme
  • Illegal activities
  • Alcoholism
  • Self-inflicted harm

Royal Sundaram Lifeline Supreme (Other Benefits)

Royal Sundaram Lifeline Supreme
  • Annual Health Check-up
  • Emergency Evacuation
  • Second Opinion

Royal Sundaram Lifeline Supreme (Eligibility Criteria)

Royal Sundaram Lifeline Supreme
  • Min Entry Age: 18 Years
  • Max Entry Age: No limit
  • Initial Waiting Period: 30 Days
  • Sum Insured: 1 Crore

Accident Health Insurance

Royal Sundaram Personal Accident Policy safeguards insured individuals against loss of income, provides the best medical care, and ensures your childr...

Unique Features

  • Global Coverage Available
  • 5 Crore SI
  • Education Grant

Royal Sundaram Health Personal Accident Policy (Pros)

Royal Sundaram Health Personal Accident Policy
  • Higher sum insured available
  • Accidental death cover
  • Disability cover

Royal Sundaram Health Personal Accident Policy (Cons)

Royal Sundaram Health Personal Accident Policy
  • Illegal activities
  • Alcoholism
  • Adventure sports

Royal Sundaram Health Personal Accident Policy (Other Benefits)

Royal Sundaram Health Personal Accident Policy
  • Worldwide coverage
  • Education grant
  • Cumulative bonus

Royal Sundaram Health Personal Accident Policy (Eligibility Criteria)

Royal Sundaram Health Personal Accident Policy
  • Min entry age: 18 Years
  • Max entry age: 70 Years
  • Sum Insured: Up to 1.5 Crores

Individual and Family Health Insurance

Royal Sundaram Multiplier Health Insurance is a one-of-a-kind plan that covers up to 11 times the sum insured in case of emergency health complication...

Unique Features

  • 11X Multiplier Benefit
  • 4X Multiplier Benefit
  • Emergency Domestic Evacuation

Royal Sundaram Multiplier Health Plan (Pros)

Royal Sundaram Multiplier Health Plan
  • No Claim Bonus
  • Modern Treatments
  • AYUSH Treatment

Royal Sundaram Multiplier Health Plan (Cons)

Royal Sundaram Multiplier Health Plan
  • Illegal activities
  • alcoholism
  • obesity and weight management

Royal Sundaram Multiplier Health Plan (Other Benefits)

Royal Sundaram Multiplier Health Plan
  • Flexi Reload Benefit
  • Health and Wellness Benefit
  • Ambulance Cover

Royal Sundaram Multiplier Health Plan (Eligibility Criteria)

Royal Sundaram Multiplier Health Plan
  • Min Entry Age: 18 years
  • Max Entry Age: 65 years
  • Initial Waiting Period: 30 days
  • Sum Insured: Up to 25 L

Individual

The Surrogacy (Regulation) Act, 2021, by the Government of India, mandates that any couple seeking a surrogate mother must purchase a three-year healt...

Unique Features

  • Cover for Surrogacy
  • Oocyte Donor Cover
  • Daycare Procedures

Royal Sundaram Surrosafe Plan (Pros)

Royal Sundaram Surrosafe Plan
  • Covers surrogate mothers
  • Covers oocyte donors
  • Ambulance cover

Royal Sundaram Surrosafe Plan (Cons)

Royal Sundaram Surrosafe Plan
  • Illegal activites
  • adventure sports
  • self-harm

Royal Sundaram Surrosafe Plan (Other Benefits)

Royal Sundaram Surrosafe Plan
  • Inpatient hospitalization
  • Room rent cover
  • Daycare Procedures

Royal Sundaram Surrosafe Plan (Eligibility Criteria)

Royal Sundaram Surrosafe Plan
  • Min entry age: 18 Years; Max entry age: 35 Years
  • Sum Insured: Up to 5 L

Individual and Family Health Insurance

The Royal Sundaram Family Plus plan is designed for individuals and families looking for comprehensive health coverage, especially those planning a fa...

Unique Features

  • Emergency domestic evacuation
  • Maternity cover benefits
  • Health & wellness benefits

Royal Sundaram Family Plus Plan (Pros)

Royal Sundaram Family Plus Plan
  • Ambulance Cover
  • Reload of Sum Insured
  • Second Opinion for 11 specified Critical Illness

Royal Sundaram Family Plus Plan (Cons)

Royal Sundaram Family Plus Plan
  • Investigation & Evaluation
  • Obesity/ Weight Control
  • Alcoholism

Royal Sundaram Family Plus Plan (Other Benefits)

Royal Sundaram Family Plus Plan
  • Maternity cover
  • Health and wellness
  • Nutritional allowance

Royal Sundaram Family Plus Plan (Eligibility Criteria)

Royal Sundaram Family Plus Plan
  • Min entry age: 18 years
  • Max entry age: No upper limit
  • Sum Insured: Up to 50 L
  • Initial waiting period: 30 days

Top Up and Super Top Up

Royal Sundaram Advanced is a top-up plan that provides health coverage beyond your base health policy. It helps you keep your savings intact during ti...

Unique Features

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

Royal Sundaram Advanced Top-Up Plan (Pros)

Royal Sundaram Advanced Top-Up Plan
  • Life protect benefit
  • PEDs waiting period reduction
  • Modern treatment
  • No cost SI restore
  • Home care treatment

Royal Sundaram Advanced Top-Up Plan (Cons)

Royal Sundaram Advanced Top-Up Plan
  • Obesity control
  • No change-of-gender
  • Cosmetic/plastic surgery
  • Hazardous/adventure sports
  • Breach of law

Royal Sundaram Advanced Top-Up Plan (Other Benefits)

Royal Sundaram Advanced Top-Up Plan
  • AYUSH cover
  • Critical illness 2nd opinion
  • Daycare treatment
  • Organ donor expenses
  • In-patient hospitalization

Royal Sundaram Advanced Top-Up Plan (Eligibility Criteria)

Royal Sundaram Advanced Top-Up Plan
  • Child Entry Age - 91 days - 25 years
  • Adult Entry Age- 18 - 65 years
  • SI - INR 10 - 95 Lakhs
  • Waiting Period - 30 days

Individual and Family Health Insurance

The Royal Sundaram Lifeline Elite Plan offers comprehensive health coverage, particularly beneficial for individuals who travel internationally. This ...

Unique Features

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

Royal Sundaram Lifeline Elite Plan (Pros)

Royal Sundaram Lifeline Elite Plan
  • Cancer of specified severity
  • Heart attack
  • Kidney failure

Royal Sundaram Lifeline Elite Plan (Cons)

Royal Sundaram Lifeline Elite Plan
  • Illegal activites
  • Alcoholism
  • Obesity

Royal Sundaram Lifeline Elite Plan (Other Benefits)

Royal Sundaram Lifeline Elite Plan
  • Emergency domestic evacuation
  • Worldwide cover
  • Tax benefits

Royal Sundaram Lifeline Elite Plan (Eligibility Criteria)

Royal Sundaram Lifeline Elite Plan
  • Min entry age: 18 Years
  • Max entry age: 65 Years
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 1.5 Cr

Individual and Family Health Insurance

Lifeline Health Insurance by Royal Sundaram is a comprehensive health insurance plan that looks after your day-to-day healthcare needs. Along with in-...

Unique Features

  • Plan benefits
  • Types of plans offered
  • Plan features & buying process

Lifeline Health Insurance Plan (Pros)

Lifeline Health Insurance Plan
  • Domiciliary Hospitalization
  • Worldwide Emergency Hospitalization
  • International Treatment Abroad

Lifeline Health Insurance Plan (Cons)

Lifeline Health Insurance Plan
  • Illegal Activities
  • Adventure Sports
  • Alcoholism

Lifeline Health Insurance Plan (Other Benefits)

Lifeline Health Insurance Plan
  • Preventive healthcare and wellness
  • Reload of Sum Insured
  • OPD Cover

Lifeline Health Insurance Plan (Eligibility Criteria)

Lifeline Health Insurance Plan
  • Min Entry Age 18 Years
  • Max Entry Age No Upper Age Limit
  • Initial Waiting Period 30 Days
  • Sum Insured Up to 1.5 Crore
Raj Kumar

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.