Tata AIG vs Royal Sundaram
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Tata AIG vs Royal Sundaram

Tata AIG and Royal Sundaram both come with a plethora of insurance solutions and a vast product portfolio. Both companies are well known for their all-inclusive plans that cover individuals as well as their families. The network hospitals under the umbrella of Tata AIG are 10000+ Number Of Network Hospitals whereas Royal Sundaram has 10000+ Number Of Network Hospitals of them. The companies provide benefits such as hospitalization, accidental care, daycare procedures, critical illness and senior citizen coverage, along with affordable premiums and high sum insured new age insurance plans.

PLAN DETAILS Edit Tata AIG

Tata AIG

 Edit royal-sundram

Royal Sundaram
Number of health insurance plans and add-ons
Sum insured Up to 3Cr Up to 1.5 Cr
Network hospitals 10000+ 10000+
Claim ratio 93.55% 95.95%
Preventive health check-up Available (plan dependant) Available (plan dependant)
Existing illness cover Available Available
No claim bonus Available Available
Online discount Available Available
OPD coverage Covered (plan dependant) Covered (plan dependant)
Day care treatment Available Available
Wellness benefits Available (plan dependant) Available (plan dependant)
Discount on renewal Available Not Available
Global coverage Available Not Available
Cashless Facility Available Available
Exclusive Plans for Senior Citizen Available Available
Exclusive Plans for Women Available Available
Exclusive Plans for Critical Illness Available Available
Exclusive Plans for Family Available Available
Top selling plans Tata AIG MediCare, Tata AIG Arogya Sanjeevani Royal Sundaram's Classic

Health Insurance Companies

Finding a reliable insurance company is as critical as purchasing suitable medical insurance plans to avail of all the expected benefits of the policy. Here are the 28 most trusted health insurance providers in India.

Star Health Insurance

Care Health Insurance

Aditya Birla Health Insurance

HDFC ERGO Health Insurance

Apollo Munich Health Insurance

Niva Bupa Health Insurance

ICICI Lombard Health Insurance

Tata AIG Health Insurance

Bajaj Allianz Health Insurance

SBI Health Insurance

Royal Sundaram Health Insurance

ManipalCigna Health Insurance

Reliance Health Insurance

IFFCO Tokio Health Insurance

Future Generali Health Insurance

National Health Insurance

United India Health Insurance

New India Health Insurance

Navi Health Insurance

ACKO Health Insurance

Digit Health Insurance

ZUNO General Insurance

Universal Sompo Health Insurance

Liberty Health Insurance

Kotak Mahindra Health Insurance

Magma Health Insurance

Cholamandalam MS Health Insurance

Oriental Health Insurance

Raheja QBE MS Health Insurance

Know More About Health Insurance Companies

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Plans offered by TATA AIG Health Insurance

Below is a list of plans offered by Tata AIG that will help you narrow down your search. Go through all the plans carefully and choose your ideal plan carefully.

Individual & Family Health Insurance

Comprehensive Plan

TATA AIG Medicare Health Insurance

A health plan that supports you in times of medical emergencies. The plan comes in 3 types, Tata AIG MediCare, Tata AIG MediCare Protect, and Tata AIG MediCare Premier.

Unique Features

  • Global Coverage
  • 540+ Day care treatments
  • Compassionate Travel up to 20K

Medicare Health Insurance (Pros)

  • Qualified Nurse
  • Restore Benefit
  • Room Rent
  • Organ Donor
  • Domiciliary Treatment

Medicare Health Insurance (Cons)

  • Injury due to Suicide Attempt
  • Death due to Drugs
  • Injuries Due to Breach of Law
  • Injuries/Death due to Aviation
  • STDs

Medicare Health Insurance (Other Benefits)

  • AYUSH Benefit
  • Health Checkup
  • Bariatric Surgery Cover
  • Vaccination cover
  • 50%Cumulative Bonus

Medicare Health Insurance (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 3 L - 20 L
  • Waiting Period - 30 Days

Standard plan

TATA AIG Arogya Sanjeevani Policy

A standard health plan designed to cover basic medical needs and keep you and your family protected in case of medical contingencies.

Unique Features

  • Cataract Treatment covered
  • AYUSH Coverage
  • Flexible Premium Payment

Arogya Sanjeevani Policy (Pros)

  • Robotic Surgeries
  • Oral chemotherapy
  • BronchialThermoplasty
  • Day Care Procedures Covered
  • Bronchial Thermoplasty

Arogya Sanjeevani Policy (Cons)

  • No Suicide Cover
  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Arogya Sanjeevani Policy (Other Benefits)

  • Intra Vitreal Injections
  • Road Ambulance Cover
  • Plastic Surgery
  • AYUSH treatment Cover
  • Cumulative Bonus

Arogya Sanjeevani Policy (Eligibility Criteria)

  • Entry Age - 3 Months
  • Max Entry Age - 65 Years
  • SI - 1 L to 5 L
  • Waiting Period - 30 Days

Specialized Health Plans

Critical Illness Plan

Tata AIG Wellsurance Executive Policy

A unique policy that goes beyond health insurance by providing wellness programs. Provides services like consultation, discounts and newsletters on wellness.

Unique Benefits

  • Convalescence benefit
  • Critical illness benefit
  • Value added benefits

Top-up Policy

Tata AIG Medicare Plus

An indemnity plan for individuals and families without any sub-limits, comes with lifelong renewal and aggregate deductibles.

Unique Features

  • Global Coverage
  • Cumulative Bonus
  • Tax Benefit

Tata AIG Medicare Plus (Pros)

  • In-patient Treatment
  • Long Term Discount
  • Family Discount
  • Day Care Procedures
  • Lifelong Renewal

Tata AIG Medicare Plus (Cons)

  • No Gender Change
  • Any Existing Disability
  • Injuries Due to Breach of Law
  • Injuries/Death due to Aviation
  • No Suicide Cover

Tata AIG Medicare Plus (Other Benefits)

  • Consumables Benefit
  • In-patient Dental Treatment
  • Ambulance Cover
  • AYUSH Benefit
  • Domiciliary Treatment

Tata AIG Medicare Plus (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 3 L - 1 Cr
  • Waiting Period - 30 Days

Critical Illness Policy

Tata AIG Critical Illness Policy

TATA AIG Critical Illness Policy is designed to offer coverage against a wide gamut of illnesses and medical emergencies.

Unique Benefits

  • Second opinion Benefit
  • Tax benefits
  • Option to add beneficiaries

Group Health Policy

Tata AIG Corporate Health Insurance

Tata AIG Corporate Health Insurance offers coverage to employees and offers coverage for hospitalization, disability, and deaths resulting from accidents.

Unique Benefits

  • 24*7 worldwide coverage
  • Daily Cash Benefits
  • SI based on Salary or Category

Plans Offered by Royal Sundaram Health

There are two types of plan options available within the health insurance plan category offered by the Royal Sundaram Health Insurance company. These two options are:

Family Floater Health Insurance Plans

Royal Sundaram's Lifeline Classic

This is a plan that covers basic hospitalization and many health and wellness benefits.

Unique Features

  • OPD Cover
  • Affordable Premium
  • Tax Benefit

Lifeline Classic (Pros)

  • Organ Donor Benefit
  • Inpatient Hospitalization
  • Pre And Post Hospitalization
  • Vaccination Cover
  • Reload of SI

Lifeline Classic(Cons)

  • No Gender Treatments
  • No Global Coverage
  • No Alcoholism Ailments Cover
  • No Cosmetic Cover
  • No Obesity/Weight Cover

Lifeline Classic(Other Benefits)

  • Domiciliary Hospitalization
  • No Room Rent Capping
  • Ambulance Cover
  • AYUSH Treatment Covered
  • 10% No Claim Bonus

Lifeline Classic (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 2 L to 4 L
  • Waiting Period - 30 Days

Royal Sundaram's Lifeline Supreme

This plan is the enhanced lifeline health insurance that offers a high sum insured of 1 crore. The plan offers hospitalization, domestic evacuation and additional benefits.

Unique Features

  • High Sum Insured
  • Affordable Premiums
  • Tax Benefit

Lifeline Supreme (Pros)

  • 5000 + Network Hospitals
  • Emergency Domestic Evacuation
  • Health Checkup
  • Can Refresh SI Once
  • Mobility Devices Cover

Lifeline Supreme(Cons)

  • No Gender Treatments
  • No New Born Baby Cover
  • No Maternity Cover
  • No Vaccination Cover
  • No Obesity/Weight Cover

Lifeline Supreme(Other Benefits)

  • Health And Wellness Benefits
  • Bariatric Surgery
  • App-Based Ambulance Cover
  • Second Opinion
  • 20% No Claim Bonus

Lifeline Supreme (Eligibility Criteria)

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

Royal Sundaram's Lifeline Elite

This plan is the foremost version of Lifeline health insurance, it offers a high sum insured of 1.5 cr. The plan provides worldwide coverage and Elite Plus benefits.

Unique Features

  • Worldwide Coverage
  • Affordable Premiums
  • Tax Benefit

Lifeline Elite (Pros)

  • No Room Rent Capping
  • Maternity Cover
  • Health Checkup
  • Global Coverage
  • Worldwide Emergency Evacuation

Lifeline Elite(Cons)

  • No Gender Treatments
  • No Cosmetic Surgery Cover
  • No War Injury Cover
  • No Vaccination Cover
  • No Obesity/Weight Cover

Lifeline Elite(Other Benefits)

  • Health And Wellness Benefits
  • OPD Treatment
  • Elite Plus Benefit
  • Second Opinion
  • 20% No Claim Bonus

Lifeline Elite (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 25L to 1.5 Cr
  • Waiting Period - 30 Days

Royal Sundaram Arogya Sanjeevani

Provides coverage for basic medical expenses, which include hospitalization, and pre and post-hospitalization expenses at affordable prices.

Unique Features

  • Cataract Cover
  • Hernia Cover
  • Pre Existing Disease Cover

Arogya Sanjeevani (Pros)

  • Cataract Treatment
  • Pre Hospitalization
  • Post Hospitalization
  • Modern Treatments
  • Cumulative Bonus

Arogya Sanjeevani(Cons)

  • No Gender Treatments
  • No Global Coverage
  • No Maternity Cover
  • No Cosmetic Cover
  • No Obesity/Weight Cover

Arogya Sanjeevani(Other Benefits)

  • Dental Cover
  • Day Care Treatment Cover
  • Ambulance Cover
  • Parents-in-law cover
  • 5% No Claim Bonus

Arogya Sanjeevani (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 50 Thousand to 10 Lakh
  • Waiting Period - 30 Days

Royal Sundaram Advanced Top-Up

A plan that includes inpatient treatment, Ayush treatment, and donor expenditures and has no room rent caps or sub-restrictions.

Unique Features

  • All-Day Treatment Cover
  • Life Protect Benefit
  • Inpatient Hospitalization

Royal Sundaram Advanced Top-Up (Pros)

  • Modern Treatments
  • Pre Hospitalization Cover
  • Post Hospitalization Cover
  • Inpatient Care
  • Domiciliary Hospitalisation

Royal Sundaram Advanced Top-Up(Cons)

  • No Infertility Treatments
  • No Adventure Sports Cover
  • No Dietary Supplements Cover
  • No Cosmetic Cover
  • No Obesity/Weight Cover

Royal Sundaram Advanced Top-Up(Other Benefits)

  • Dental Cover
  • Home Care Treatment Cover
  • Ambulance Cover
  • AYUSH Cover
  • Organ Donor Benefit

Royal Sundaram Advanced Top-Up (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 50 Lakh-1 Cr
  • Waiting Period - 30 Days

Royal Sundaram Personal Accident

A plan that protects against accidental death or disability, and includes a 50% No-Claim Bonus. The plan has flexible premium payment terms.

Unique Features

  • 24*7 Global Coverage
  • Family Cover
  • No Income Proof Required

Personal Accident (Pros)

  • Educational Grant
  • Recovery Benefit
  • Temporary total Benefit
  • Instant Cover
  • Carriage of Dead Body

Personal Accident(Cons)

  • No Infertility Treatments
  • No Maternity Cover
  • No Dietary Supplements Cover
  • No Cosmetic Cover
  • No Obesity/Weight Cover

Personal Accident(Other Benefits)

  • Disablement Cover
  • Loss Of Hearing Cover
  • Ambulance Cover
  • Pre- Existing Disease Cover
  • No Medical Test Required

Personal Accident (Eligibility Criteria)

  • Entry Age - 5 Years
  • Max Entry Age - 70 Years
  • SI - 2.5 Lakh - 10 Lakh
  • Waiting Period - 30 Days

Multiplier Health Insurance

A plan that offers the ABCD (Asthma, BP, Cholesterol, Diabetes) benefits. It covers several chronic illnesses as well as pre-existing diseases.

Unique Features

  • Flexi Reload Benefit
  • 4X Multiplier Benefit
  • Health And Wellness Plus

Multiplier Health Insurance (Pros)

  • 22 Critical Illness Covered
  • AYUSH Cover
  • Organ Donor Expenses
  • Pre Existing Disease Coverage
  • Modern Treatment Cover

Multiplier Health Insurance(Cons)

  • No Gender Treatments
  • No Global Coverage
  • No Maternity Cover
  • No Cosmetic Cover
  • No Obesity/Weight Cover

Multiplier Health Insurance(Other Benefits)

  • In Patient Cover
  • Day Care Treatment Cover
  • Emergency Domestic Evacuation
  • Virtual Health Coach
  • Hospital Plus Benefit

Multiplier Health Insurance (Eligibility Criteria)

  • Entry Age - 5 Years
  • Max Entry Age - 65 Years
  • SI - 5L to 25L
  • Waiting Period - 30 Days

Royal Sundaram Family Plus

A plan that offers the ABCD (Asthma, BP, Cholesterol, Diabetes) benefits. It covers several chronic illnesses as well as pre-existing diseases.

Unique Features

  • Dialysis Cover
  • Maternity Benefit
  • AYUSH Treatment Cover

Family Plus (Pros)

  • Renewal Benefit
  • Emergency Domestic Evacuation
  • 20 % No Claim Bonus
  • Joint Replacement Cover
  • Cataract Expenses 8% Of SI

Family Plus(Cons)

  • No Alcoholism cover
  • No War Injury Cover
  • No Global Coverage
  • No Cosmetic Cover
  • No Gender Treatment Cover

Family Plus(Other Benefits)

  • Chemotherapy 10 % of SI
  • Day Care Coverage
  • Ambulance Cover
  • Room Rent up to 2% SI
  • ICU Charges up to 4% SI

Family Plus (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 15 L
  • Waiting Period - 30 Days

Royal Sundaram Divyang Plus

A plan that covers people with disabilities and affected by HIV/AIDS.

Unique Features

  • Mental illness cover
  • Affordable premiums
  • Cataract cover

Divyang Plus (Pros)

  • Pre & post hospitalization cover
  • Flexible premiums
  • Ayush treatment
  • Pre-existing disabilities cover
  • Pre existing diseases cover

Divyang Plus(Cons)

  • Not a family floater plan
  • WP on pre-existing disabilities
  • Low sum insured
  • No air ambulance

Divyang Plus(Other Benefits)

  • Ayush up to 50% of sum insured
  • 60 days post hospitalization
  • Ground ambulance cover
  • 40K per eye allotted for cataract
  • 4 premium payment options

Divyang Plus (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry age: NA
  • Sum insured: 4 - 5 lakhs
  • Waiting period: 24 & 48 months

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Naval Goel

Reviewed By: Naval Goel

Naval Goel is the CEO & founder of PolicyX.com. Naval has an expertise in the insurance sector and has professional experience of more than a decade in the Industry and has worked in companies like AIG, New York doing valuation of insurance subsidiaries. He is also an Associate Member of the Indian Institute of Insurance, Pune. He has been authorized by IRDAI to act as a Principal Officer of PolicyX.com Insurance Web Aggregator.

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