Royal Sundaram vs Edelweiss Health Insurance Health Insurance 2026

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

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Royal Sundaram

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Edelweiss Health Insurance

Number of health insurance plans	No. of Plans 8 ❯	No. of Plans 6 ❯
Sum insured	Sum Insured Up to ₹ 1.5 Cr	Sum Insured Up to ₹ 1Cr.
Claim ratio	Claim Ratio 96.17%	Claim Ratio 98.54%
Network hospitals	Network Hospital 10000+	Network Hospital 10000+
Solvency Ratio	Solvency Ratio 2.20	Solvency Ratio 1.97
Pan India Presence	Pan India Presence 160	Pan India Presence 9
Claim Form	Claim Form Available	Claim Form Available
Annual premium (company level)	Annual premium (company level) 774.90 Crore	Annual premium (company level) 375.88 Crore
Years in operation	Years in operation 2000	Years in operation 8 years
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 92.27
Recommended Videos	▶ Is Royal Sundaram Health Insurance Worth It? Full Review & Key Highlights ▶ Edelweiss Health Insurance

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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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ZUNO Health Insurance

Zuno Arogya Sanjeevani

Zuno Arogya Sanjeevani is a standard, affordable health insurance plan, proposed by IRDAI, offering basic medical coverage from IN...

Explore Arogya Sanjeevani
Benefits and Features
Eligibility Criteria

Affordable
No-claim bonus
Flexible policy
Modern procedures
Cataract cover

5% Co-payment
Obesity treatment unavailable
Hazardous activities not covered
HIV/AIDS not covered
Cosmetic surgery unavailable

Lifelong renewal
Road ambulance cover
Room rent cover
AYUSH treatment cover
Family discount

Entry Age - 18 Years
Max Entry Age - 65 Years
SI - 1 L to 5 L
Waiting Period - 30 Days

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Accident Health Insurance

Zuno Saral Suraksha Bima Health Insurance

Zuno Saral Suraksha Bima is a personal accident insurance policy for individuals aged 18-70, providing financial protection agains...

Accident health insurance plan
Benefits of the plan
Inclusions and exclusions

Accidental death covered
Cumulative bonus
Education grant

Not a comprehensive plan
Adventure sports accidents
War injuries not covered

Dental treatment
Plastic surgery
All the day care treatments

Entry age: 18 years Maximum entry age: 80 years Sum Insured: INR 2.5 Lakh to 1 Crore No waiting period

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Individual and Family Health Insurance

Zuno Covid Healthcare Insurance

Zuno's COVID Healthcare Insurance, including "Corona Kavach" and "Corona Rakshak" plans, helps manage the financial strain of the ...

Explore Zuno Covid Plans
Benefits Of Zuno Covid Care
Inclusions and Exclusions

Lump sum benefit
Domiciliary benefit
Family cover
Ambulance cover

Illegal activities
Nuclear attack or war
Intoxication injuries

High Sum Insured
Tax benefits
Add-ons available

Min entry age: 18 years
Max entry age: 65 years
Sum insured: 1 to 5 Lakhs
Waiting Period: 15 days

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Individual

ZUNO Empower Health Insurance

Zuno Empower Health Insurance is a specialized plan designed for individuals with over 40% disability, mental illness, or HIV/AIDS...

Comprehensive health plans
Indemnity plans
AYUSH treatment covered

Inpatient hospitalisation
AYUSH coverage
Cataract treatment

Rehabilitation not included
Cosmetic or plastic surgery not included
Gender change treatment not included

Specialized plan
Created for people with disability
People with HIV are eligible

Entry age - 18 years
Max entry age - No age limit
SI - INR 5 L
Waiting Period - 30 days

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Individual and Family Health Insurance

Zuno Corona Kavach

The Zuno Corona Kavach policy is a floater health insurance plan specifically for COVID-19 hospitalization expenses, available for...

Explore COVID-19 Care
Hospitalisation Expenses
Add-ons Available

AYUSH Cover
Pre-Hospitalization Cover
Ambulance Cover
COVID-19 Cover

Obesity treatments
HIV/AIDS
Adventure sports
Illegal activities

Hospital Daily Cash
Discounts
Family Cover
Tax Benefits

<ul> <li>Minimum Entry Age: 18 years</li> <li>Maximum Entry Age: 65 years</li> <li>Sum Insured: 50k to 1 L</li> <li>Waiting Period: 30 Days</li> </ul>

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Individual

Zuno Corona Rakshak

Zuno Corona Rakshak is a health plan specifically designed to cover medical expenses related to COVID-19, offering a 100% lump sum...

COVID-19 Cover
Minimal Waiting Period
Consumables Cover

COVID-19 cover
Tax benefits
Ambulance cover
Hospitalisation cover

Illegal activities
Adventure sports
Obesity treatments
HIV/AIDS

Consumables cover
High sum insured
Affordable
Diagnostics covered

<ul> <li>Minimum Entry Age: 18 years</li> <li>Maximum Entry Age: 65 years</li> <li>Sum Insured: ₹50
000 to ₹2.5 lakhs</li> <li>Waiting Period: 15 days</li> </ul>

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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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