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Insurance Plans Comparison

Care Heart 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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Care

What Makes It Special:

Care Heart Health Insurance is a specialized policy designed for people with existing heart conditions or cardiac risks. It provides comprehensive coverage for hospitalization, surgeries, and treatments related to heart ailments, including pre and post-hospitalization expenses. The plan also covers annual health check-ups, ambulance charges, and optional add-ons for enhanced...

Best For:

  • Focused Protection for Cardiac Patients

  • Covers Pre and Post Hospitalization

  • Annual Health Check-Up Included

  • Lifelong Policy Renewability Option

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

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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

Care Heart

  • You have a past history of heart disease

  • You need coverage for cardiac-related hospitalization expenses

  • You want insurance despite pre-existing heart conditions

  • You seek affordable premiums for heart-focused care

  • You prefer lifelong renewability with cardiac protection

Royal Sundaram Royal Sundaram Lifeline Elite

Not available

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Heart
Heart

Health Insurance Plan

Brochure

Policy Wording

VS
Royal Sundaram Lifeline Elite
Royal Sundaram Lifeline Elite

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Heart

Up to ₹3 L sum insured – 1% of Sum Insured per day

VS

Royal Sundaram Lifeline Elite

  1. Normal: Covered up to the sum insured.

     

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

Heart

Up to ₹3 L sum insured – 2% of Sum Insured per day

VS

Royal Sundaram Lifeline Elite

Not Available

Advanced Treatments

Heart

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

Heart

Yes

VS

Royal Sundaram Lifeline Elite

Not Available

Co-payment

Heart

In-built co-payment: 20% if entry age ≤ 70 years, 30% if entry age > 70 years.

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

Heart

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

Heart

21700+ Healthcare Providers

VS

Royal Sundaram Lifeline Elite

10,000+ HealthCare Providers.

Restoration Benefit

Heart

Provides 1 restoration of the base cover upon exhaustion, applicable for unrelated illnesses only

VS

Royal Sundaram Lifeline Elite

Not Available

Daycare Treatment

Heart

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

Heart

Your sum insured increases by 10% each policy year as a No-Claim Bonus, up to 50% of the sum insured. The bonus reduces by 10% for every claim paid

VS

Royal Sundaram Lifeline Elite

Not Available

AYUSH Treatment

Heart

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.

Consumable Cover

Heart

No. However, available as an add-on

VS

Royal Sundaram Lifeline Elite

Not Available

Initial Waiting Period

Heart

30 days

VS

Royal Sundaram Lifeline Elite

Not Available

Specific Waiting Period

Heart

2 years

VS

Royal Sundaram Lifeline Elite

Not Available

PED Waiting Period

Heart

2 years

VS

Royal Sundaram Lifeline Elite

Not Available

Modern Treatment

Heart

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

Heart

Health check-up is available from the first policy year

VS

Royal Sundaram Lifeline Elite

Not Available

Pre-Hospitalisation

Heart

You get cover for medical tests and doctor visits up to 30 days before hospitalisation, if your main claim is approved

VS

Royal Sundaram Lifeline Elite

Not Available

Post-Hospitalisation

Heart

You get cover for medical bills up to 60 days after discharge, including physiotherapy if your doctor prescribes it

VS

Royal Sundaram Lifeline Elite

Not Available

Outpatient Department Cover (OPD Expense)

Heart

OPD expense is not included

VS

Royal Sundaram Lifeline Elite

Not Available

Deductible Option

Heart

Not available

VS

Royal Sundaram Lifeline Elite

Not Available

Coverage Options

Heart

Available coverage options: ₹3L, ₹5L, ₹7L and ₹10L

VS

Royal Sundaram Lifeline Elite

Not Available

Claim Settlement Ratio

Heart

96%

VS

Royal Sundaram Lifeline Elite

Not Available

Maternity Cover

Heart

Not 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

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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

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Senior Citizen Health Plan

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  • Tailored for seniors healthcare needs

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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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