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Insurance Plans Comparison

Care Freedom vs Royal Sundaram Advanced Top Up

Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...

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Care

Freedom

Health Coverage for Diabetes, Hypertension, and High BMI with Short 2-Year PED Waiting Period

What Makes It Special:

Care Freedom provides health insurance coverage without pre-policy medical check-ups for individuals managing Diabetes, High Blood Pressure, or high BMI.

Best For:

  • Buyers wanting consumable daily allowance

  • Families looking for annual health check-ups.

  • Individuals seeking health insurance without undergoing pre-policy medical screening.

  • Customer is looking for a short two year PED waiting period

  • Buyers managing diabetes, hypertension, or elevated BMI.

VS
Royal Sundaram

Advanced Top Up

Advanced Top Up

What Makes It Special:

Advanced Top Up 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

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

Care Freedom

  • Co-payment provisions applied based on age

  • In-built, one time, automatic sum insured recharge

  • Includes annual health checkups for all covered adult member.

  • Requires no pre-policy medical checkup across all ages and sum insured choices.

  • Features are reduced 24 months waiting period for pre-existing diseases.

Royal Sundaram Advanced Top Up

Not available

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Freedom
Freedom

Health Insurance Plan

Policy Wording

VS
Advanced Top Up
Advanced Top Up

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Freedom

For ₹3 lakh and ₹5 lakh sum insured options, room rent is restricted to twin-sharing accommodation, subject to the applicable limit. For ₹7 lakh and ₹10 lakh options, single private room is covered.

VS

Advanced Top Up

Covered up to Sum Insured

Covered up to Sum Insured

ICU Charges

Freedom

ICU charges are covered up to 2% of the sum insured per day for ₹3 lakh sum insured, while there is no limit for ₹5 lakh, ₹7 lakh and ₹10 lakh sum insured options.

VS

Advanced Top Up

Information Unavailable

Advanced Treatments

Freedom

Information Unavailable

VS

Advanced Top Up

Covered up to Sum Insured

Co-payment

Freedom

20% co-payment is applicable per claim. An additional 10% co-payment applies from the policy year following the insured person attaining 71 years of age, subject to the policy terms.

VS

Advanced Top Up

Not mentioned

Disease-wise sublimits

Freedom

Yes. Sublimits apply to specified treatments including cataract, total knee replacement, hernia, hysterectomy, BPH, renal stones, cardiovascular and cerebrovascular disorders, cancer, other renal complications and bone fractures.

VS

Advanced Top Up

Information Unavailable

Waiting Period

Freedom

Information Unavailable

VS

Advanced Top Up

30 Days

36 Months

24 Months

Cashless Healthcare Providers

Freedom

11,600+ cashless network hospitals are available across India.

VS

Advanced Top Up

Not mentioned

Restoration Benefit

Freedom

Yes, the base sum insured is automatically recharged by 100% upon exhaustion, subject to the policy terms. The recharged sum insured can be used for future claims.

VS

Advanced Top Up

Information Unavailable

Cumulative Bonus

Freedom

No cumulative bonus is available.

VS

Advanced Top Up

Information Unavailable

Daycare Treatment

Freedom

Covers all eligible Day Care Procedures up to the sum insured.

VS

Advanced Top Up

Covered up to Sum Insured

Consumable Cover

Freedom

Consumable allowance is available at ₹750 per day for ₹3 lakh and ₹5 lakh sum insured options, subject to a maximum of 7 days per hospitalisation after 3 days.

VS

Advanced Top Up

Information Unavailable

AYUSH Treatment

Freedom

Covers AYUSH treatment expenses up to the sum insured during the policy period.

VS

Advanced Top Up

Covered up to Sum Insured

Initial Waiting Period

Freedom

30 days for all illnesses, except accidental injuries.

VS

Advanced Top Up

Information Unavailable

Specific Waiting Period

Freedom

2 years for specified named ailments.

VS

Advanced Top Up

Information Unavailable

PED Waiting Period

Freedom

2 years for pre-existing diseases.

VS

Advanced Top Up

Information Unavailable

Modern Treatment

Freedom

Coverage for treatment using specified advanced technology methods is not available under the plan.

VS

Advanced Top Up

Information Unavailable

Annual Health Checkup

Freedom

Annual health checkup is available for all adult members insured under the policy.

VS

Advanced Top Up

Information Unavailable

Pre-Hospitalisation

Freedom

Pre-hospitalisation expenses are covered subject to the applicable limit of 7.5% or 10% of payable hospitalisation expenses, depending on the plan option.

VS

Advanced Top Up

Information Unavailable

Post-Hospitalisation

Freedom



VS

Advanced Top Up

Information Unavailable

Outpatient Department Cover (OPD Expense)

Freedom

OPD expense is not included in the base plan.

VS

Advanced Top Up

Information Unavailable

Deductible Option

Freedom

Not available as a standard deductible option.

VS

Advanced Top Up

Information Unavailable

Coverage Options

Freedom

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

VS

Advanced Top Up

Information Unavailable

Claim Settlement Ratio

Freedom

96.3% for the period April 2025 to December 2025.

VS

Advanced Top Up

Information Unavailable

Maternity Cover

Freedom

Not available.

VS

Advanced Top Up

Information Unavailable

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

Zero Spam. Zero Hassle

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

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.

1-5 of 10 FAQs

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