Royal Sundaram vs Aditya Birla Health Insurance 2026 | PolicyX

Overview

Royal Sundaram General Insurance, India's first private-sector general insurer, was licensed by IRDAI in October 2000. Serving 2 crore+ customers, it pioneered bank partnerships for retail sales.
COMPANY DETAILS ✎ Edit

Royal Sundaram

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Aditya Birla

Number of health insurance plans
Sum insured

Sum Insured

Up to ₹ 1.5 Cr

Sum Insured

Up to ₹ 1 Cr
Claim ratio

Claim Ratio

96.17%

Claim Ratio

96%
Network hospitals

Network Hospital

10000+

Network Hospital

12900+
Solvency Ratio

Solvency Ratio

2.20

Solvency Ratio

1.88
Pan India Presence

Pan India Presence

160

Pan India Presence

4800
Claim Form

Claim Form

Available

Claim Form

Available
Annual premium (company level)

Annual premium (company level)

774.90 Crore

Annual premium (company level)

4,821.70 Crore
Years in operation

Years in operation

2000

Years in operation

2016
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

Claims settled within 3 months

92.97
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Is Royal Sundaram Health Insurance Worth It? Full Review & Key Highlights

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Aditya Birla Health Insurance Review

▶ Aditya Birla Health Insurance Review

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Royal Sundaram Health Insurance

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
View plan
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
View plan

Aditya Birla Health Insurance

Accident Health Insurance

Aditya Birla Personal Accident Plan

The Aditya Birla Activ Secure Personal Accident Plan provides comprehensive financial protection against unforeseen incidents, cov...

  • Up to 20 Cr SI
  • 11 Optional Covers
  • Avail Wellness Benefit
  • Total and partial disability cover
  • Accidental death cover
  • No claim bonus
  • Ambulance cover
  • Education benefit
  • Illness due to intoxicants
  • Obesity treatment unavailable
  • Hazardous activity not covered
  • Cosmetic surgery unavailable
  • Income cover
  • Loan protect cover
  • Orphan benefits
  • Compassionate visit
  • Coma benefit
  • Entry age: Minimum 5 years
  • Maximum 65 years. Sum Insured: 1 Lac - 20 Crore. Waiting period: None.
View plan
Individual and Family Health Insurance

Aditya Birla Activ Health Platinum Enhanced

The Aditya Birla Activ Health Platinum Enhanced Plan offers comprehensive health insurance for individuals and families, with sum ...

  • Critical Illness Cover
  • Health Coach
  • SI Up to 2 Crores
  • Earn 100% health returns
  • Cover for dental consultations
  • Modern treatment cover
  • Wellness coach
  • Mental illness cover
  • Illness due to intoxicants
  • Change of gender treatment
  • Hazardous activity not covered
  • HIV/AIDS not covered
  • Cosmetic surgery unavailable
  • Chronic management program
  • Premium waiver benefit
  • Reload of SI
  • Road ambulance cover
  • Second e-opinion
  • Entry age: 90 days
  • Max entry age: 45
  • SI: 1L to 1 Cr
  • Waiting period: 30 days
View plan

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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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