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Insurance Plans Comparison

ICICI Lombard Complete Health Insurance Health Protect Plus Plan 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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ICICI Lombard

Complete Health Insurance Health Protect Plus Plan

Cover maternity, a newborn and outpatient treatment together with hospital daily cash and a convalescence benefit, and reset up to 100% of the sum insured once in a policy year for a later unrelated illness.

What Makes It Special:

Health Protect Plus is a plan under ICICI Lombard Complete Health Insurance that combines inpatient hospitalisation cover with eligible daycare procedures, inpatient AYUSH treatment, pre- and post-hospitalisation expenses, and a reset benefit. The plan-specific Key Information Sheet also lists maternity cover after a 36-month waiting period, newborn baby cover following...

Best For:

  • Customers comparing hospitalisation benefits with optional critical illness, donor expense or personal accident covers.

  • Buyers who value a limited combined allowance for outpatient treatment and wellness expenses.

  • Policyholders who want a reset benefit after eligible use of the sum insured.

  • Eligible couples seeking maternity benefits with a three-year waiting period and defined delivery limits.

  • Buyers looking for inpatient hospitalisation and eligible daycare treatment cover.

VS
Royal Sundaram

Royal Sundaram Lifeline Elite

Cover emergency hospitalisation outside India, excluding the US and Canada, up to 50% of the sum insured and ₹20 lakh after a USD 1,000 deductible, and cover 11 listed critical illnesses abroad with a 20% co-pay.

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

ICICI Lombard Complete Health Insurance Health Protect Plus Plan

  • Confirm which optional covers have actually been selected and paid for; critical illness, donor expenses and personal accident cover should not be assumed to be included automatically.

  • Treat the ₹5,000 outpatient and wellness allowance as a combined floater limit, not a separate limit for each benefit.

  • Review the cataract sub-limit carefully, as the applicable limit depends on the selected sum insured.

  • If maternity cover matters, check the 36-month waiting period, the requirement for both spouses to be insured and the delivery-related sub-limits.

  • Verify the sum insured and room-rent limits in the policy schedule before comparing premiums or coverage.

Royal Sundaram Royal Sundaram Lifeline Elite

Not available

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Complete Health Insurance Health Protect Plus Plan
Complete Health Insurance Health Protect Plus Plan

Health Insurance Plan

Brochure

VS
Royal Sundaram Lifeline Elite
Royal Sundaram Lifeline Elite

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Complete Health Insurance Health Protect Plus Plan

ICICI Health Protect Plus offers coverage for room rent, including both normal and ICU hospitalization, without any sub-limits.

VS

Royal Sundaram Lifeline Elite

  1. Normal: Covered up to the sum insured.

     

  2. ICU: Covered up to the sum insured.
Advanced Treatments

Complete Health Insurance Health Protect Plus Plan

Covers advanced treatments, including robotic surgeries, stem cell therapy (if medically necessary), oral chemotherapy, and modern procedures like targeted therapy.

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.
ICU Charges

Complete Health Insurance Health Protect Plus Plan

Covered under inpatient treatment, subject to applicable policy terms and limits.

VS

Royal Sundaram Lifeline Elite

Information Unavailable

Co-payment

Complete Health Insurance Health Protect Plus Plan

Does not have a mandatory co-payment for most treatments. However, co-payment may apply for senior citizens or specific medical conditions as per policy terms.

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.

Disease-wise sublimits

Complete Health Insurance Health Protect Plus Plan

Cataract: ₹20,000 per eye per policy year for sum insured up to ₹5 lakh; ₹1 lakh per eye per policy year for sum insured above ₹5 lakh.

VS

Royal Sundaram Lifeline Elite

Information Unavailable

Waiting Period

Complete Health Insurance Health Protect Plus Plan

Information Unavailable

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

Complete Health Insurance Health Protect Plus Plan

10,896+ hospitals across india 

VS

Royal Sundaram Lifeline Elite

10,000+ HealthCare Providers.

Restoration Benefit

Complete Health Insurance Health Protect Plus Plan

Reset Benefit restores up to 100% of sum insured once per policy year, subject to policy conditions; it does not trigger on the first claim.

VS

Royal Sundaram Lifeline Elite

Information Unavailable

Daycare Treatment

Complete Health Insurance Health Protect Plus Plan

Covered under the policy. 

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

Complete Health Insurance Health Protect Plus Plan

10% of annual sum insured per claim-free year, up to 50%; a claim can reduce accrued bonus by 10% of annual sum insured at renewal.

VS

Royal Sundaram Lifeline Elite

Information Unavailable

AYUSH Treatment

Complete Health Insurance Health Protect Plus Plan

Covered under this policy

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

Complete Health Insurance Health Protect Plus Plan

No separate consumables benefit verified in the available plan-specific information.

VS

Royal Sundaram Lifeline Elite

Information Unavailable

Initial Waiting Period

Complete Health Insurance Health Protect Plus Plan

30 days for illnesses; injury-related hospitalisation is excepted.

VS

Royal Sundaram Lifeline Elite

Information Unavailable

Specific Waiting Period

Complete Health Insurance Health Protect Plus Plan

24 months for specified illnesses and treatments.

VS

Royal Sundaram Lifeline Elite

Information Unavailable

PED Waiting Period

Complete Health Insurance Health Protect Plus Plan

24 months of continuous coverage.

VS

Royal Sundaram Lifeline Elite

Information Unavailable

Modern Treatment

Complete Health Insurance Health Protect Plus Plan

Not verified in the available Health Protect Plus Key Information Sheet.

VS

Royal Sundaram Lifeline Elite

Information Unavailable

Annual Health Checkup

Complete Health Insurance Health Protect Plus Plan

Free health-check-up coupon each policy year, subject to a maximum of 2 coupons annually for floater policies.

VS

Royal Sundaram Lifeline Elite

Information Unavailable

Pre-Hospitalisation

Complete Health Insurance Health Protect Plus Plan

Up to 30 days.

VS

Royal Sundaram Lifeline Elite

Information Unavailable

Post-Hospitalisation

Complete Health Insurance Health Protect Plus Plan

Up to 60 days.

VS

Royal Sundaram Lifeline Elite

Information Unavailable

Outpatient Department Cover (OPD Expense)

Complete Health Insurance Health Protect Plus Plan

Included with Wellness & Preventive Healthcare within a combined ₹5,000 floater limit.

VS

Royal Sundaram Lifeline Elite

Information Unavailable

Deductible Option

Complete Health Insurance Health Protect Plus Plan

Not verified in the available plan-specific information.

VS

Royal Sundaram Lifeline Elite

Information Unavailable

Coverage Options

Complete Health Insurance Health Protect Plus Plan

Individual or floater structure; exact sum insured choices require verification from the applicable schedule.

VS

Royal Sundaram Lifeline Elite

Information Unavailable

Claim Settlement Ratio

Complete Health Insurance Health Protect Plus Plan

Not verified against a current, comparable insurer-level CSR disclosure.

VS

Royal Sundaram Lifeline Elite

Information Unavailable

Maternity Cover

Complete Health Insurance Health Protect Plus Plan

Available after 36 months: normal delivery ₹15,000; caesarean delivery ₹25,000; pre- and post-natal expenses ₹2,000 each, subject to eligibility conditions.

VS

Royal Sundaram Lifeline Elite

Information Unavailable

Insurance Plans Comparison

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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.

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