Insurance Plans Comparison
Royal Sundaram Family Plus vs HDFC ERGO Critical Illness Platinum Plan
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
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Family Plus
Give each member an individual sum insured plus a shared floater, with no room rent cap, a one-time reload for a different illness after both are used up, and maternity cover of up to ₹50,000 a delivery.
What Makes It Special:
Family Plus is designed for those who want comprehensive coverage without restrictions. It offers extensive coverage for modern treatments and innovative features.
Best For:
- Not available
VS
Critical Illness Platinum Plan
Lump-sum payout on first diagnosis of any of 15 critical illnesses
What Makes It Special:
The Platinum Plan pays the sum insured as a single lump sum on first diagnosis of any one of 15 listed critical illnesses after the chosen survival period of 15 or 30 days, and because the money is paid as a benefit rather than against hospital bills it can be...
Best For:
Buyers who prefer a benefit paid on diagnosis rather than one requiring hospital bills and cashless authorisation
Younger applicants looking to lock in cover early, since entry is permitted from 5 years of age
Buyers who want a wider critical illness list than a basic plan, including Parkinson's disease, Alzheimer's disease, benign brain tumour and end-stage liver failure
Sole earners whose household would face a sustained income gap if they were diagnosed with cancer, a heart condition or a neurological illness
Buyers who already hold a hospitalisation policy and want a separate lump sum to cover income loss and non-medical costs during a serious illness
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
Not available
Set the sum insured against the income and costs you would need to replace over a treatment period, not against hospital bills, since the payout is a fixed benefit rather than a reimbursement.
Pre-existing conditions carry a 48-month waiting period, so if you have a declared condition, factor that delay into whether the cover meets your need.
Choose the survival period deliberately: the quoted premiums are based on 30 days, and the 15-day option changes the price.
The benefit is paid once, so treat this as a supplement to a hospitalisation policy rather than a replacement for one.
This plan pays only on first diagnosis of one of the 15 listed conditions as defined in the policy, so read those definitions — including the severity thresholds on heart attack, cancer and stroke — before assuming a diagnosis will qualify.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Family Plus Health Insurance Plan VS VS |
Critical Illness Platinum Plan Health Insurance Plan |
| Room Rent |
|---|
Family Plus Normal: No Room Rent Capping ICU: Covered up to Sum Insured |
VS VS |
Critical Illness Platinum Plan Not applicable. |
| Advanced Treatments |
|---|
Family Plus Not mentioned |
VS VS |
Critical Illness Platinum Plan Information Unavailable |
| ICU Charges |
|---|
Family Plus Information Unavailable |
VS VS |
Critical Illness Platinum Plan Not applicable — hospitalisation expenses are not indemnified under this policy |
| Co-payment |
|---|
Family Plus Not mentioned |
VS VS |
Critical Illness Platinum Plan Not specified. |
| Disease-wise sublimits |
|---|
Family Plus Information Unavailable |
VS VS |
Critical Illness Platinum Plan Not applicable. |
| Waiting Period |
|---|
Family Plus Initial Waiting Period: 30 Days Pre-existing Disease Waiting Period: 36 Months Specific Disease/Procedure Waiting Period: 24 Months (16 specified diseases/conditions) Maternity Waiting Period: 24 Months |
VS VS |
Critical Illness Platinum Plan Information Unavailable |
| Cashless Healthcare Providers |
|---|
Family Plus 7,000+ Network Hospitals |
VS VS |
Critical Illness Platinum Plan 16,000 cashless healthcare providers (insurer-level, as of August 2025). Cashless hospitalisation is not the mechanism of this policy, which pays a lump sum on diagnosis |
| Restoration Benefit |
|---|
Family Plus Information Unavailable |
VS VS |
Critical Illness Platinum Plan Not applicable. |
| Daycare Treatment |
|---|
Family Plus Covered up to Sum Insured |
VS VS |
Critical Illness Platinum Plan Not applicable. |
| Cumulative Bonus |
|---|
Family Plus Information Unavailable |
VS VS |
Critical Illness Platinum Plan Not specified |
| AYUSH Treatment |
|---|
Family Plus Covered |
VS VS |
Critical Illness Platinum Plan Not applicable. |
| Consumable Cover |
|---|
Family Plus Information Unavailable |
VS VS |
Critical Illness Platinum Plan Not applicable — no itemised hospitalisation expenses are reimbursed |
| Initial Waiting Period |
|---|
Family Plus Information Unavailable |
VS VS |
Critical Illness Platinum Plan 90 days for all claims |
| Specific Waiting Period |
|---|
Family Plus Information Unavailable |
VS VS |
Critical Illness Platinum Plan Not specified. |
| PED Waiting Period |
|---|
Family Plus Information Unavailable |
VS VS |
Critical Illness Platinum Plan 48 months for all pre-existing conditions declared and/or accepted at application |
| Modern Treatment |
|---|
Family Plus Information Unavailable |
VS VS |
Critical Illness Platinum Plan Not applicable — this is a fixed-benefit policy paying a lump sum, not an indemnity cover for treatment costs |
| Annual Health Checkup |
|---|
Family Plus Information Unavailable |
VS VS |
Critical Illness Platinum Plan Not specified. A pre-policy medical check may be required based on age and sum insured. 50% of standard medical test charges is reimbursed if conducted at an empanelled diagnostic centre, subject to acceptance of the proposal and policy issuance. |
| Pre-Hospitalisation |
|---|
Family Plus Information Unavailable |
VS VS |
Critical Illness Platinum Plan Not applicable. |
| Post-Hospitalisation |
|---|
Family Plus Information Unavailable |
VS VS |
Critical Illness Platinum Plan Not applicable. |
| Outpatient Department Cover (OPD Expense) |
|---|
Family Plus Information Unavailable |
VS VS |
Critical Illness Platinum Plan Not applicable. |
| Deductible Option |
|---|
Family Plus Information Unavailable |
VS VS |
Critical Illness Platinum Plan Not applicable. |
| Coverage Options |
|---|
Family Plus Information Unavailable |
VS VS |
Critical Illness Platinum Plan Cover is written per insured person. No individual/floater structure is stated. |
| Claim Settlement Ratio |
|---|
Family Plus Information Unavailable |
VS VS |
Critical Illness Platinum Plan Approximately 97% |
| Maternity Cover |
|---|
Family Plus Information Unavailable |
VS VS |
Critical Illness Platinum Plan Not covered. |
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.
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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
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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
Secure against age-related medical costs
Tailored for seniors healthcare needs
Most Popular
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
Covers delivery, newborn care, and maternity expenses
Reduces financial stress of childbirth costs
Senior Citizen Health Plan
Secure against age-related medical costs
Tailored for seniors healthcare needs
Most Popular
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
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.
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