Royal Sundaram vs Galaxy Health

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Overview

Royal Sundaram General Insurance, India's first private sector general insurer, was licensed by IRDAI in October 2000. Serving over 2 crore customers, it pioneered bank partnerships for retail product sales. The company's stakes are currently held by Sundaram Finance (50%), Ageas Insurance (40%), and other Indian shareholders (10%).
COMPANY DETAILS Edit

Royal Sundaram

Edit

Galaxy Health

Number of health insurance plans
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
IRDAI registration number

IRDAI registration number

102

IRDAI registration number

167
Claims settled within 3 months

Claims settled within 3 months

96

Claims settled within 3 months

100
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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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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

Galaxy Health Insurance

Individual and Family Health Insurance

Lock in your premium until age 55.Galaxy Health Insurance Company is a new standalone company in the insurance market. Galaxy Promise is its inaugural...

Unique Features

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

Galaxy Promise Health Plan (Pros)

Galaxy Promise Health Plan
  • Unlimited restoration of SI
  • No co-payment
  • Room rent enhancement

Galaxy Promise Health Plan (Cons)

Galaxy Promise Health Plan
  • Investigation and evaluation not covered
  • Dietary supplement
  • Unproven treatment
  • Alcoholism

Galaxy Promise Health Plan (Other Benefits)

Galaxy Promise Health Plan
  • Repatriation of mortal remains
  • Organ transplantation
  • Cashless everywhere

Galaxy Promise Health Plan (Eligibility Criteria)

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

Top Up and Super Top Up

Galaxy Top-up plan by Galaxy Health Insurance Company is a top-up health insurance plan. In today's landscape of escalating healthcare costs, securing...

Unique Features

  • Get exciting discounts
  • Digital ICU coverage
  • Gala Fit benefit

Galaxy Top-up Health Insurance Plan (Pros)

Galaxy Top-up Health Insurance Plan
  • Family coverage
  • flexibility in deductible
  • Digital ICU coverage.

Galaxy Top-up Health Insurance Plan (Cons)

Galaxy Top-up Health Insurance Plan
  • Investigation and evaluation
  • cosmetic surgery
  • unproven treatments.

Galaxy Top-up Health Insurance Plan (Other Benefits)

Galaxy Top-up Health Insurance Plan
  • Nanotechnology covered
  • modern treatment
  • delivery expenses covered.

Galaxy Top-up Health Insurance Plan (Eligibility Criteria)

Galaxy Top-up Health Insurance Plan
  • Entry age: 18 years
  • Maximum entry age: 65 years
  • Sum Insured: INR 5 L to 2 Cr
  • Waiting Period: 30 days.

Individual and Family Health Insurance

Galaxy Twin 360 combines in-patient hospitalisation (IPD) cover with out-patient (OPD) and wellness benefits, aiming to make health insurance relevant...

Unique Features

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

Galaxy Twin 360 (Pros)

Galaxy Twin 360
  • OPD benefits along with hospitalisation cover
  • usable benefits even in non-hospitalisation years
  • wellness and preventive care integration

Galaxy Twin 360 (Cons)

Galaxy Twin 360
  • Entry age capped at 45 years
  • OPD benefits have usage limits
  • newer insurer with limited long-term claims history

Galaxy Twin 360 (Other Benefits)

Galaxy Twin 360
  • Lifelong renewability
  • multiple sum insured options
  • flexible premium payment modes
  • coverage for day-care and modern treatments
  • cashless treatment at network hospitals

Galaxy Twin 360 (Eligibility Criteria)

Galaxy Twin 360
  • Adults: 18 years to 45 years Children: 90 days to 18 years
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.