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Insurance Plans Comparison

Niva Bupa Health Companion Variant 2 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 Variant 2

Add 20% of the base sum insured each claim-free year up to 100%, refill the base sum insured once for a different illness, and get animal-bite vaccination up to ₹5,000 with an annual health check-up.

What Makes It Special:

Health Companion Variant 2 is a Niva Bupa floater covering hospitalisation, day care, AYUSH and domiciliary treatment, with a refill benefit, no-claim bonus and 2- or 3-year term discounts. Variant-specific terms are not separated in the prospectus.

Best For:

  • Buyers who do not need maternity or OPD cover

  • Buyers who need hospitalisation, day care and AYUSH cover

  • Buyers who plan to pay for two or three years to get term discounts

  • 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 Variant 2

  • The refill applies only once a policy year.

  • The 20% co-payment for higher room categories applies on Variant 2023.

  • Maternity is not covered, so plan separately if needed.

  • Term discounts do not apply if premium is paid monthly, half-yearly or quarterly.

  • The 36-month PED wait applies, so buy early if you have 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 Variant 2
Health Companion Variant 2

Health Insurance Plan

Brochure

VS
Royal Sundaram Lifeline Elite
Royal Sundaram Lifeline Elite

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Health Companion Variant 2

  1. Normal Room: No limit (any single private room covered)
  2. ICU Charges: Fully covered (as per actual hospitalization expenses)
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 Variant 2

  1. Robotic Surgery Therapy
  2. Bariatric Surgery 
  3. Oral Chemotherapy 
  4. Proton Beam Therapy 
  5. Deep Brain Stimulation 
  6. Implantable Devices 
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 Variant 2

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

VS

Royal Sundaram Lifeline Elite

Information Unavailable

Co-payment

Health Companion Variant 2

No mandatory co-payment for most policyholders. However, for individuals aged 65 years and above at the time of entry, a co-payment of 20% applies to each claim.

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 Variant 2

No disease sublimit schedule in the prospectus

VS

Royal Sundaram Lifeline Elite

Information Unavailable

Waiting Period

Health Companion Variant 2

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 Variant 2

10,000+ network hospitals.

VS

Royal Sundaram Lifeline Elite

10,000+ HealthCare Providers.

Daycare Treatment

Health Companion Variant 2

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

Health Companion Variant 2

20% of the expiring base sum insured per claim-free year, up to 100%

VS

Royal Sundaram Lifeline Elite

Information Unavailable

AYUSH Treatment

Health Companion Variant 2

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

Health Companion Variant 2

Prescribed medicines and consumables during treatment are covered. Annexure II items are not.

VS

Royal Sundaram Lifeline Elite

Information Unavailable

Initial Waiting Period

Health Companion Variant 2

30 days, except accidents

VS

Royal Sundaram Lifeline Elite

Information Unavailable

Specific Waiting Period

Health Companion Variant 2

24 months for listed conditions

VS

Royal Sundaram Lifeline Elite

Information Unavailable

PED Waiting Period

Health Companion Variant 2

36 months

VS

Royal Sundaram Lifeline Elite

Information Unavailable

Modern Treatment

Health Companion Variant 2

Covered up to the sum insured

VS

Royal Sundaram Lifeline Elite

Information Unavailable

Annual Health Checkup

Health Companion Variant 2

Annual from day one, for defined tests. Up to ₹500 per ₹1 lakh of base sum insured. Cashless only.

VS

Royal Sundaram Lifeline Elite

Information Unavailable

Pre-Hospitalisation

Health Companion Variant 2

60 days before admission

VS

Royal Sundaram Lifeline Elite

Information Unavailable

Post-Hospitalisation

Health Companion Variant 2

180 days after discharge

VS

Royal Sundaram Lifeline Elite

Information Unavailable

Outpatient Department Cover (OPD Expense)

Health Companion Variant 2

Not covered

VS

Royal Sundaram Lifeline Elite

Information Unavailable

Deductible Option

Health Companion Variant 2

Annual aggregate deductible from ₹10,000 to ₹10 lakh

VS

Royal Sundaram Lifeline Elite

Information Unavailable

Coverage Options

Health Companion Variant 2

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

VS

Royal Sundaram Lifeline Elite

Information Unavailable

Claim Settlement Ratio

Health Companion Variant 2

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 Variant 2

Not covered

VS

Royal Sundaram Lifeline Elite

Information Unavailable

Insurance Plans Comparison

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Insurance Plans Comparison

Explore Insurance Category

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Senior Citizen Health Plan

  • Secure against age-related medical costs

  • 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

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