Royal Sundaram vs Galaxy Health 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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Galaxy Health

Number of health insurance plans	No. of Plans 8 ❯	No. of Plans 3 ❯
Sum insured	Sum Insured Up to ₹ 1.5 Cr	Sum Insured Up to ₹ 1 Crore
Claim ratio	Claim Ratio 96.17%	Claim Ratio 98.9%
Network hospitals	Network Hospital 10000+	Network Hospital 3216+
Solvency Ratio	Solvency Ratio 2.20	Solvency Ratio 4.70
Pan India Presence	Pan India Presence 160	Pan India Presence 71
Claim Form	Claim Form Available	Claim Form Available
Annual premium (company level)	Annual premium (company level) 774.90 Crore	Annual premium (company level) 16.95 Crore
Years in operation	Years in operation 2000	Years in operation 2023
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 100
Recommended Videos	▶ Is Royal Sundaram Health Insurance Worth It? Full Review & Key Highlights

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Know More About Health Insurance Companies

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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Galaxy Health Insurance

Galaxy Promise Health Plan

Galaxy Promise is a new health insurance plan from Galaxy Health Insurance, designed for younger generations in India with a uniqu...

Air Ambulance Cover
Room Rent Enhancement
Gala Fit Pro-Active Care

Unlimited restoration of SI
No co-payment
Room rent enhancement

Investigation and evaluation not covered
Dietary supplement
Unproven treatment
Alcoholism

Repatriation of mortal remains
Organ transplantation
Cashless everywhere

Min. Entry Age: 16 Days
Max. Entry Age: 65 Years
Initial Waiting Period: 24 Months
Sum Insured: Up to 1 Cr

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Top Up and Super Top Up

Galaxy Top-up Health Insurance Plan

The Galaxy Top-Up Health Insurance Plan provides an enhanced safety net over existing base health coverage, helping mitigate subst...

Get exciting discounts
Digital ICU coverage
Gala Fit benefit

Family coverage
flexibility in deductible
Digital ICU coverage.

Investigation and evaluation
cosmetic surgery
unproven treatments.

Nanotechnology covered
modern treatment
delivery expenses covered.

Entry age: 18 years
Maximum entry age: 65 years
Sum Insured: INR 5 L to 2 Cr
Waiting Period: 30 days.

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Individual and Family Health Insurance

Galaxy Twin 360

Galaxy Twin 360 is a comprehensive health insurance plan for young adults and families, offering dual coverage that combines in-pa...

Dual coverage for extended protection
All round 360 degree health benefits
Flexible coverage for individual needs

OPD benefits along with hospitalisation cover
usable benefits even in non-hospitalisation years
wellness and preventive care integration

Entry age capped at 45 years
OPD benefits have usage limits
newer insurer with limited long-term claims history

Lifelong renewability
multiple sum insured options
flexible premium payment modes
coverage for day-care and modern treatments
cashless treatment at network hospitals

Adults: 18 years to 45 years Children: 90 days to 18 years

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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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