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Insurance Plans Comparison

Aditya Birla Activ One VIP vs Royal Sundaram Royal Sundaram Lifeline Elite

Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...

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Aditya Birla

Activ One VIP

Activ One VIP Plan

What Makes It Special:

Activ One is designed for those who want comprehensive coverage without restrictions. It offers extensive coverage for modern treatments and innovative features.

Best For:

  • Advanced treatment and wellness plan

  • Unlimited sum insured restoration

  • Family floater with extensive benefits

  • Ultra-high coverage health insurance

VS
Royal Sundaram

Royal Sundaram Lifeline Elite

Royal Sundaram Lifeline Elite

What Makes It Special:

Royal Sundaram Lifeline focuses on providing essential health coverage at an affordable premium. It's designed for budget-conscious individuals who want reliable coverage.

Best For:

  • Not available

Insurance Plans Comparison

Get Personalized Advice

Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.

Quick Decision Guide

Aditya Birla Activ One VIP

  • You enjoy wellness rewards and annual health check-ups from day one

  • You value maternity and modern medical treatments

  • You want freedom with no room rent or co-payment limits

  • You prefer unlimited sum insured refills (Super Reload)

  • You want very high medical coverage up to ₹6 crore

Royal Sundaram Royal Sundaram Lifeline Elite

Not available

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Activ One VIP
Activ One VIP

Health Insurance Plan

Brochure

Policy Wording

VS
Royal Sundaram Lifeline Elite
Royal Sundaram Lifeline Elite

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Activ One VIP

All room categories are covered

VS

Royal Sundaram Lifeline Elite

  1. Normal: Covered up to the sum insured.

     

  2. ICU: Covered up to the sum insured.
ICU Charges

Activ One VIP

No restriction on ICU room rent

VS

Royal Sundaram Lifeline Elite

Not Available

Advanced Treatments

Activ One VIP

Not Available

VS

Royal Sundaram Lifeline Elite

  1. Uterine Artery Embolization and HIFU (High intensity focused ultrasound) 
  2.  Balloon Sinuplasty 
  3. Deep Brain stimulation d. Oral chemotherapy 
  4. Immunotherapy - Monoclonal Antibody to be given as injection
  5. Intra vitreal injections 
  6. Robotic surgeries 
  7. Stereotactic radio surgeries 
  8. Bronchical Thermoplasty
  9. Vaporisation of the prostrate (Green laser treatment or holmium laser treatment)
  10. IONM - (Intra Operative Neuro Monitoring) 
  11. Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered up to sum insured.
Disease-wise sublimits

Activ One VIP

No

VS

Royal Sundaram Lifeline Elite

Not Available

Co-payment

Activ One VIP

Yes


VS

Royal Sundaram Lifeline Elite

No co-payment is required; the policy covers eligible medical expenses up to the sum insured without any cost-sharing by the insured.

Waiting Period

Activ One VIP

Not Available

VS

Royal Sundaram Lifeline Elite

  1. 30 days for illnesses (excluding accidents).
  2. 24 months for specific treatments like cataract surgery and joint replacements.
  3. 48 months for pre-existing diseases.
Cashless Healthcare Providers

Activ One VIP

11000+ Healthcare Providers

VS

Royal Sundaram Lifeline Elite

10,000+ HealthCare Providers.

Restoration Benefit

Activ One VIP

Not available

VS

Royal Sundaram Lifeline Elite

Not Available

Daycare Treatment

Activ One VIP

Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured

VS

Royal Sundaram Lifeline Elite

Covers all day care procedures that require hospitalization for less than 24 hours, up to the sum insured.

Cumulative Bonus

Activ One VIP

Your sum insured increases by 50% every year, maximum up to 100%

VS

Royal Sundaram Lifeline Elite

Not Available

Consumable Cover

Activ One VIP

Yes

VS

Royal Sundaram Lifeline Elite

Not Available

AYUSH Treatment

Activ One VIP

Covers AYUSH treatment expenses up to your annual sum insured during the policy period

VS

Royal Sundaram Lifeline Elite

Expenses for alternative treatments under Ayurveda, Yoga, Unani, Siddha, and Homeopathy are covered up to the sum insured.

Initial Waiting Period

Activ One VIP

30 days

VS

Royal Sundaram Lifeline Elite

Not Available

Specific Waiting Period

Activ One VIP

2 years

VS

Royal Sundaram Lifeline Elite

Not Available

PED Waiting Period

Activ One VIP

3 years

VS

Royal Sundaram Lifeline Elite

Not Available

Modern Treatment

Activ One VIP

Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period

VS

Royal Sundaram Lifeline Elite

Not Available

Annual Health Checkup

Activ One VIP

Not available

VS

Royal Sundaram Lifeline Elite

Not Available

Pre-Hospitalisation

Activ One VIP

You get cover for medical tests and doctor visits up to 90 days before hospitalisation, if your main claim is approved

VS

Royal Sundaram Lifeline Elite

Not Available

Post-Hospitalisation

Activ One VIP

You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it

VS

Royal Sundaram Lifeline Elite

Not Available

Outpatient Department Cover (OPD Expense)

Activ One VIP

OPD expenses are covered

VS

Royal Sundaram Lifeline Elite

Not Available

Deductible Option

Activ One VIP

Not available

VS

Royal Sundaram Lifeline Elite

Not Available

Coverage Options

Activ One VIP

Available coverage options: ₹50 Lacs, ₹75 Lacs, ₹1 Cr, ₹2 Cr, ₹3 Cr, ₹4 Cr, ₹5 Cr, ₹6 Cr

VS

Royal Sundaram Lifeline Elite

Not Available

Claim Settlement Ratio

Activ One VIP

96%

VS

Royal Sundaram Lifeline Elite

Not Available

Maternity Cover

Activ One VIP

Available

VS

Royal Sundaram Lifeline Elite

Not Available

Insurance Plans Comparison

Still Confused? Get Expert Advice

Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.

Why Choose Our Expert Consultation?

End-to-End Support

End-to-End Support

From choosing the right policy to managing claims, every step is handled for you

Zero Spam. Zero Hassle

Zero Spam. Zero Hassle

Pure advice, no unwanted calls, no unnecessary push

Free Expert Consultation

Free Expert Consultation

Talk to experienced advisors at no cost, and make confident decisions

24/7 Claim Assistance

24/7 Claim Assistance

Get a dedicated expert managing your claim end-to-end, from hospital admission to approval, including dispute resolution and support

What Our Experts Help You With

Personalised Recommendations

  • Every suggestion is backed by expert analysis of your life stage, goals, and budget

Expert-Led Policy Review

  • We decode the fine print—identifying risks, sub-limits, and gaps you may have missed. No surprises later

Smart, Tech-Enabled Experience

  • From digital onboarding to real-time claim tracking, our platform makes insurance easy, accessible, and stress-free

Insurance Plans Comparison

Explore Insurance Category

Senior Citizen Health Plan

Senior Citizen Health Plan

  • Secure against age-related medical costs

  • Tailored for seniors healthcare needs

Most Popular

Family Health Plan

Family Health Plan

  • One policy covers the entire family

  • High sum insured with cashless care

  • Multiple coverage options based on your family needs

Maternity Health Plan

Maternity Health Plan

  • Covers delivery, newborn care, and maternity expenses

  • Reduces financial stress of childbirth costs

Insurance Plans Comparison

Frequently Asked Questions (FAQs)

Having questions? We've got answers. Explore our FAQs to find the information you need.

1-5 of 10 FAQs

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