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Insurance Plans Comparison

TATA AIG Medicare Select 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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TATA AIG

Medicare Select

Comprehensive Health Insurance with Flexible Coverage Options, Unlimited Restoration and Customisable Benefits

What Makes It Special:

TATA AIG MediCare Select is a customisable health insurance plan offering individual and family floater coverage. It combines core hospitalisation benefits with optional features that allow policyholders to adjust their cover to their needs and budget.

Best For:

  • Flexible sum insured options

  • Critical illness and daycare treatments

  • Pre- and post-hospitalization expenses covered

  • Comprehensive individual and family coverage

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

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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

  • Covers daycare treatments without overnight stay.

  • Pre- and post-hospitalization expenses included.

  • Safeguards against critical illness and emergencies.

  • Comprehensive coverage for hospitalization and treatment.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Medicare Select
Medicare Select

Health Insurance Plan

VS
Royal Sundaram Lifeline Elite
Royal Sundaram Lifeline Elite

Health Insurance Plan

Room Rent

Medicare Select

Single private AC room is included as part of base cover. However, you can opt for add-on to downgrade the room category

VS

Royal Sundaram Lifeline Elite

  1. Normal: Covered up to the sum insured.

     

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

Medicare Select

No restriction on ICU room rent

VS

Royal Sundaram Lifeline Elite

Information Unavailable

Advanced Treatments

Medicare Select

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.
Disease-wise sublimits

Medicare Select

No

VS

Royal Sundaram Lifeline Elite

Information Unavailable

Co-payment

Medicare Select

Not available

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.

Waiting Period

Medicare Select

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

Medicare Select

12,000+ Healthcare Providers

VS

Royal Sundaram Lifeline Elite

10,000+ HealthCare Providers.

Restoration Benefit

Medicare Select

es, your sum insured restores to 100% unlimited times after your first claim, for both related and unrelated illnesses

VS

Royal Sundaram Lifeline Elite

Information Unavailable

Cumulative Bonus

Medicare Select

Your sum insured increases by 50% for every claim-free year, upto 100%. If a claim is made during the policy year, the cumulative bonus is reduced by 50% in the next policy year

VS

Royal Sundaram Lifeline Elite

Information Unavailable

Daycare Treatment

Medicare Select

Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured

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

Medicare Select

No. However, available as an add-on

VS

Royal Sundaram Lifeline Elite

Information Unavailable

AYUSH Treatment

Medicare Select

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

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

Medicare Select

30 days

VS

Royal Sundaram Lifeline Elite

Information Unavailable

Specific Waiting Period

Medicare Select

2 years

VS

Royal Sundaram Lifeline Elite

Information Unavailable

PED Waiting Period

Medicare Select

3 years

VS

Royal Sundaram Lifeline Elite

Information Unavailable

Modern Treatment

Medicare Select

Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period

VS

Royal Sundaram Lifeline Elite

Information Unavailable

Annual Health Checkup

Medicare Select

Health checkup is not included as part of base cover. However, available as an add-on

VS

Royal Sundaram Lifeline Elite

Information Unavailable

Pre-Hospitalisation

Medicare Select

You get cover for medical tests and doctor visits up to 90 days before hospitalisation, if your main claim is approved

VS

Royal Sundaram Lifeline Elite

Information Unavailable

Post-Hospitalisation

Medicare Select

You get cover for medical bills up to 90 days after discharge, including physiotherapy if your doctor prescribes it

VS

Royal Sundaram Lifeline Elite

Information Unavailable

Outpatient Department Cover (OPD Expense)

Medicare Select

OPD expense is not included as part of base cover. However, available as an add-on

VS

Royal Sundaram Lifeline Elite

Information Unavailable

Deductible Option

Medicare Select

Available as an option

VS

Royal Sundaram Lifeline Elite

Information Unavailable

Coverage Options

Medicare Select

Available coverage options: ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹75L, ₹1 Cr, ₹2 Cr, ₹3 Cr

VS

Royal Sundaram Lifeline Elite

Information Unavailable

Claim Settlement Ratio

Medicare Select

95.43%

VS

Royal Sundaram Lifeline Elite

Information Unavailable

Maternity Cover

Medicare Select

Available

VS

Royal Sundaram Lifeline Elite

Information Unavailable

Insurance Plans Comparison

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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

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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)

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Medicare Select Vs Royal Sundaram Lifeline Elite

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