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Insurance Plans Comparison

Niva Bupa Health Companion Family First 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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Niva Bupa

Health Companion Family First Plan

Cover an extended family with a separate sum insured per person and a shared floater after that sum insured is used, and add 20% of each person's base sum insured each claim-free year up to 100%.

What Makes It Special:

Family First is a Health Companion variant. The prospectus describes an individual or family floater with a refill benefit, no-claim bonus, a 60-day pre and 180-day post-hospitalisation cover, and optional hospital cash and personal accident cover.

Best For:

  • Buyers who do not need maternity or OPD cover

  • Buyers who need hospitalisation, day care and AYUSH cover

  • Families with a parent covered alongside the insured

  • Buyers who want a no-claim bonus that builds to 100%

  • Families who want a floater with a refill benefit

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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Quick Decision Guide

Niva Bupa Health Companion Family First Plan

  • Children are split off to their own policy after 26.

  • The 20% co-payment applies to higher room categories on Variant 2023, so choose your room carefully.

  • Refill applies once a year, so it is not unlimited cover.

  • Maternity is excluded, so choose another plan if you plan a pregnancy.

  • The 36-month PED wait applies, so buy early if anyone has an existing condition.

Royal Sundaram Royal Sundaram Lifeline Elite

Not available

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Health Companion Family First Plan
Health Companion Family First Plan

Health Insurance Plan

Brochure

VS
Royal Sundaram Lifeline Elite
Royal Sundaram Lifeline Elite

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Health Companion Family First Plan

  1. Normal: Covered up to sum insured
  2. ICU: Covered up to sum insured.
VS

Royal Sundaram Lifeline Elite

  1. Normal: Covered up to the sum insured.

     

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

Health Companion Family First Plan

  1. Robotic surgeries
  2. Stem cell therapy
  3. Oral chemotherapy
  4. Deep brain stimulation
  5. Bronchial thermoplasty
  6. Intraoperative neuro monitoring (IONM).
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

Health Companion Family First Plan

Covered up to the sum insured as part of in-patient care

VS

Royal Sundaram Lifeline Elite

Information Unavailable

Co-payment

Health Companion Family First Plan

The policy does not mandate a co-payment, meaning the insurer covers the full admissible claim amount without requiring the insured to pay a portion.

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

Health Companion Family First Plan

No disease sublimit schedule in the prospectus. Sum insured limits apply to all covered treatment.

VS

Royal Sundaram Lifeline Elite

Information Unavailable

Waiting Period

Health Companion Family First 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

Health Companion Family First Plan

Access to over 10,000 network hospitals and clinics for cashless treatments, ensuring convenient and hassle-free medical care.

VS

Royal Sundaram Lifeline Elite

10,000+ HealthCare Providers.

Restoration Benefit

Health Companion Family First Plan

Refill: restores up to the base sum insured once per policy year, for the same or a different illness, after the first paid claim

VS

Royal Sundaram Lifeline Elite

Information Unavailable

Daycare Treatment

Health Companion Family First Plan

Covers medical procedures that require less than 24-hour hospitalization, such as cataract surgery and chemotherapy, accommodating treatments that don't necessitate extended hospital stays.

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

Health Companion Family First Plan

No claim bonus of 20% of the expiring base sum insured for each claim-free year, up to 100% of the base sum insured. A claim does not reduce the bonus.

VS

Royal Sundaram Lifeline Elite

Information Unavailable

AYUSH Treatment

Health Companion Family First Plan

Expenses for alternative treatments, including Ayurveda, Yoga, Unani, Siddha, and Homeopathy, are covered when availed at government-recognized institutions, promoting holistic healthcare options.

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

Health Companion Family First Plan

Medicines and consumables prescribed during treatment are covered. Items in Annexure II, such as toiletries, gloves and diapers, are not.

VS

Royal Sundaram Lifeline Elite

Information Unavailable

Initial Waiting Period

Health Companion Family First Plan

30 days, except accidents

VS

Royal Sundaram Lifeline Elite

Information Unavailable

Specific Waiting Period

Health Companion Family First Plan

24 months for listed conditions

VS

Royal Sundaram Lifeline Elite

Information Unavailable

PED Waiting Period

Health Companion Family First Plan

36 months.

VS

Royal Sundaram Lifeline Elite

Information Unavailable

Modern Treatment

Health Companion Family First Plan

Covered up to the sum insured. Includes robotic surgery, stereotactic radiosurgery, deep brain stimulation, oral chemotherapy and other listed treatments.

VS

Royal Sundaram Lifeline Elite

Information Unavailable

Annual Health Checkup

Health Companion Family First Plan

Once every policy year from day one, for defined tests. Up to ₹500 per ₹1 lakh of base sum insured. Individual: ₹5,000 maximum per insured. Floater: ₹10,000 per policy. Booked through the app, cashless only.

VS

Royal Sundaram Lifeline Elite

Information Unavailable

Pre-Hospitalisation

Health Companion Family First Plan

60 days before admission, up to the sum insured

VS

Royal Sundaram Lifeline Elite

Information Unavailable

Post-Hospitalisation

Health Companion Family First Plan

180 days after discharge, up to the sum insured

VS

Royal Sundaram Lifeline Elite

Information Unavailable

Outpatient Department Cover (OPD Expense)

Health Companion Family First Plan

Not covered. OPD treatment is an excluded expense.

VS

Royal Sundaram Lifeline Elite

Information Unavailable

Deductible Option

Health Companion Family First Plan

Annual aggregate deductible of ₹10,000, ₹20,000, ₹30,000, ₹50,000, ₹1 lakh, ₹2 lakh, ₹3 lakh, ₹4 lakh, ₹5 lakh or ₹10 lakh. Does not apply to health checks, animal bite or hospital cash.

VS

Royal Sundaram Lifeline Elite

Information Unavailable

Coverage Options

Health Companion Family First Plan

Individual or floater, with optional hospital cash, personal accident and deductible

VS

Royal Sundaram Lifeline Elite

Information Unavailable

Claim Settlement Ratio

Health Companion Family First Plan

Claim Settlement Ratio (CSR) of 93.3% as a three-year IRDAI weighted average, and 95.6% in recent quarterly company disclosures (Q1 FY 2026-27).

VS

Royal Sundaram Lifeline Elite

Information Unavailable

Maternity Cover

Health Companion Family First Plan

Not covered. Maternity expenses are an excluded expense.

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

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