Insurance Plans Comparison
Royal Sundaram Multiplier Health vs Star Health Gain
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
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Multiplier Health
Multiplier Health
What Makes It Special:
Multiplier Health 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
Health Gain
Flexible Health Insurance with Hospitalisation and OPD Benefits
What Makes It Special:
Inpatient Hospitalisation and Outpatient Medical Expenses
Best For:
Customers looking for daycare and eligible AYUSH treatment coverage.
Customers who use outpatient services at networked facilities.
Customers seeking flexible Sum Insured options.
Families looking for Individual or Family Floater coverage.
Individuals seeking inpatient and outpatient health insurance benefits.
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
Check the treatment-specific sublimits.
Review the pre- and post-hospitalisation benefit periods.
Check the selected OPD benefit limit.
Understand the waiting periods for pre-existing diseases and specified treatments.
Review the co-payment applicable to entry age 61 and above.
Check the room rent limit.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Multiplier Health Health Insurance Plan VS VS |
Health Gain Health Insurance Plan |
| Room Rent |
|---|
Multiplier Health Covered up to Sum Insured Covered up to Sum Insured |
VS VS |
Health Gain
|
| Advanced Treatments |
|---|
Multiplier Health Covered up to Sum Insured |
VS VS |
Health Gain Information Unavailable |
| ICU Charges |
|---|
Multiplier Health Information Unavailable |
VS VS |
Health Gain Covered as part of eligible hospitalisation expenses. |
| Co-payment |
|---|
Multiplier Health No mandatory co-pay |
VS VS |
Health Gain 20% for insured persons whose age at entry is 61 years and above. |
| Disease-wise sublimits |
|---|
Multiplier Health Information Unavailable |
VS VS |
Health Gain Sublimits apply to specified treatments, including cataract and listed modern treatments. |
| Waiting Period |
|---|
Multiplier Health 30 Days 36 Months 24 Months |
VS VS |
Health Gain Information Unavailable |
| Cashless Healthcare Providers |
|---|
Multiplier Health Cashless Available |
VS VS |
Health Gain Cashless treatment is available at eligible network hospitals, subject to pre-authorisation. |
| Restoration Benefit |
|---|
Multiplier Health Information Unavailable |
VS VS |
Health Gain Not specified. |
| Daycare Treatment |
|---|
Multiplier Health Covered up to Sum Insured |
VS VS |
Health Gain Eligible daycare procedures are covered, subject to policy terms. |
| Cumulative Bonus |
|---|
Multiplier Health Information Unavailable |
VS VS |
Health Gain Not specified. |
| AYUSH Treatment |
|---|
Multiplier Health Covered up to Sum Insured |
VS VS |
Health Gain Eligible inpatient Ayurveda, Unani, Siddha and Homeopathy treatment is covered, subject to policy terms. |
| Consumable Cover |
|---|
Multiplier Health Information Unavailable |
VS VS |
Health Gain Not specified. |
| Initial Waiting Period |
|---|
Multiplier Health Information Unavailable |
VS VS |
Health Gain 30 days, except for covered accident-related claims. |
| Specific Waiting Period |
|---|
Multiplier Health Information Unavailable |
VS VS |
Health Gain 24 months for specified diseases and procedures. |
| PED Waiting Period |
|---|
Multiplier Health Information Unavailable |
VS VS |
Health Gain 36 months for pre-existing diseases. |
| Modern Treatment |
|---|
Multiplier Health Information Unavailable |
VS VS |
Health Gain Specified modern treatments are covered, subject to policy limits. |
| Annual Health Checkup |
|---|
Multiplier Health Information Unavailable |
VS VS |
Health Gain Not specified. |
| Pre-Hospitalisation |
|---|
Multiplier Health Information Unavailable |
VS VS |
Health Gain Covered for up to 30 days before hospital admission. |
| Post-Hospitalisation |
|---|
Multiplier Health Information Unavailable |
VS VS |
Health Gain Covered for up to 60 days after discharge. |
| Outpatient Department Cover (OPD Expense) |
|---|
Multiplier Health Information Unavailable |
VS VS |
Health Gain Available at networked facilities in India, up to the selected benefit limit. |
| Deductible Option |
|---|
Multiplier Health Information Unavailable |
VS VS |
Health Gain Not specified. |
| Coverage Options |
|---|
Multiplier Health Information Unavailable |
VS VS |
Health Gain Individual and Family Floater. |
| Claim Settlement Ratio |
|---|
Multiplier Health Information Unavailable |
VS VS |
Health Gain Insurer-level metric, not a policy benefit. |
| Maternity Cover |
|---|
Multiplier Health Information Unavailable |
VS VS |
Health Gain Maternity expenses are excluded, except for the specified ectopic pregnancy exception. |
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
From choosing the right policy to managing claims, every step is handled for you
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Pure advice, no unwanted calls, no unnecessary push
Free Expert Consultation
Talk to experienced advisors at no cost, and make confident decisions
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
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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