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Insurance Plans Comparison

Star Diabetes Safe Plan A 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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Star

Diabetes Safe Plan A

Health Insurance Designed for People with Type I or Type II Diabetes

What Makes It Special:

Diabetes-Focused Health Insurance

Best For:

  • Eligible couples considering individual or floater coverage.

  • Customers who want outpatient benefits at network hospitals and diagnostic centres.

  • Individuals looking for hospitalisation cover for other illnesses and accidental injuries.

  • Customers seeking cover for eligible diabetes complications.

  • Individuals aged 18 to 65 years with Type I or Type II Diabetes Mellitus.

VS
Royal Sundaram

Royal Sundaram Lifeline Elite

Royal Sundaram Lifeline Elite

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

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

Star Diabetes Safe Plan A

  • Understand the restoration benefit and its individual-policy restriction.

  • Review the room category and pre- and post-hospitalisation limits.

  • Check cataract and modern treatment sublimits.

  • Review the Sum Insured and outpatient benefit limits.

  • Check the waiting period for diabetes complications under Plan B.

  • Understand the medical screening requirement under Plan A.

  • Compare Plan A and Plan B.

Royal Sundaram Royal Sundaram Lifeline Elite

Not available

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Diabetes Safe Plan A
Diabetes Safe Plan A

Health Insurance Plan

Brochure

Policy Wording

VS
Royal Sundaram Lifeline Elite
Royal Sundaram Lifeline Elite

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Diabetes Safe Plan A

  1. Single standard air-conditioned room, subject to policy terms and applicable limits.
VS

Royal Sundaram Lifeline Elite

  1. Normal: Covered up to the sum insured.

     

  2. ICU: Covered up to the sum insured.
ICU Charges

Diabetes Safe Plan A

Covered as part of eligible hospitalisation expenses, subject to policy terms.

VS

Royal Sundaram Lifeline Elite

Information Unavailable

Advanced Treatments

Diabetes Safe Plan A

Information Unavailable

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.
Co-payment

Diabetes Safe Plan A

Not specified.

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

Diabetes Safe Plan A

Sublimits apply to specified treatments, including cataract and certain modern treatments. Plan B also has limits for specified cardiovascular complications.

VS

Royal Sundaram Lifeline Elite

Information Unavailable

Waiting Period

Diabetes Safe Plan A

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.
Restoration Benefit

Diabetes Safe Plan A

100% of the basic Sum Insured is restored once during the policy period for eligible Section 2 claims on individual policies. This benefit is not available on floater policies.

VS

Royal Sundaram Lifeline Elite

Information Unavailable

Cashless Healthcare Providers

Diabetes Safe Plan A

Cashless treatment is available at eligible network hospitals, subject to authorisation and policy conditions.

VS

Royal Sundaram Lifeline Elite

10,000+ HealthCare Providers.

Cumulative Bonus

Diabetes Safe Plan A

Not specified.

VS

Royal Sundaram Lifeline Elite

Information Unavailable

Daycare Treatment

Diabetes Safe Plan A

Eligible daycare procedures are covered, subject to policy terms.

VS

Royal Sundaram Lifeline Elite

Covers all day care procedures that require hospitalization for less than 24 hours, up to the sum insured.

Consumable Cover

Diabetes Safe Plan A

Not specified.

VS

Royal Sundaram Lifeline Elite

Information Unavailable

AYUSH Treatment

Diabetes Safe Plan A

Eligible inpatient Ayurveda, Unani, Siddha and Homeopathy treatment is covered up to the Sum Insured, subject to policy terms. Yoga and Naturopathy require prior approval.

VS

Royal Sundaram Lifeline Elite

Expenses for alternative treatments under Ayurveda, Yoga, Unani, Siddha, and Homeopathy are covered up to the sum insured.

Initial Waiting Period

Diabetes Safe Plan A

  1. 30 days for applicable illnesses, except covered accidents. The waiting period applies according to the selected plan and policy section.
VS

Royal Sundaram Lifeline Elite

Information Unavailable

Specific Waiting Period

Diabetes Safe Plan A

24 months for specified diseases and procedures under applicable sections. A 12-month waiting period applies to specified diabetes complications under Plan B.

VS

Royal Sundaram Lifeline Elite

Information Unavailable

PED Waiting Period

Diabetes Safe Plan A

36 months for pre-existing diseases under applicable sections.

VS

Royal Sundaram Lifeline Elite

Information Unavailable

Modern Treatment

Diabetes Safe Plan A

  1. Specified modern treatments are covered, subject to treatment-specific limits.
VS

Royal Sundaram Lifeline Elite

Information Unavailable

Annual Health Checkup

Diabetes Safe Plan A

Not specified.

VS

Royal Sundaram Lifeline Elite

Information Unavailable

Pre-Hospitalisation

Diabetes Safe Plan A

Up to 30 days before hospital admission.

VS

Royal Sundaram Lifeline Elite

Information Unavailable

Post-Hospitalisation

Diabetes Safe Plan A

Up to 60 days after discharge, limited to 7% of eligible hospitalisation expenses and a maximum of ₹5,000 per hospitalisation.

VS

Royal Sundaram Lifeline Elite

Information Unavailable

Outpatient Department Cover (OPD Expense)

Diabetes Safe Plan A

Covered at network hospitals and diagnostic centres. Limits vary by plan, Sum Insured and individual or floater basis.

VS

Royal Sundaram Lifeline Elite

Information Unavailable

Deductible Option

Diabetes Safe Plan A

Not specified.

VS

Royal Sundaram Lifeline Elite

Information Unavailable

Coverage Options

Diabetes Safe Plan A

Individual and Family Floater for self and spouse.

VS

Royal Sundaram Lifeline Elite

Information Unavailable

Claim Settlement Ratio

Diabetes Safe Plan A

Insurer-level metric, not a policy benefit.

VS

Royal Sundaram Lifeline Elite

Information Unavailable

Maternity Cover

Diabetes Safe Plan A

Not covered, except ectopic pregnancy as specified in the policy.

VS

Royal Sundaram Lifeline Elite

Information Unavailable

Insurance Plans Comparison

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Talk to experienced advisors at no cost, and make confident decisions

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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

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Insurance Plans Comparison

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  • One policy covers the entire family

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  • 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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