Cholamandalam vs Royal Sundaram Health Insurace

Compare Cholamandalam vs Royal Sundaram Health Insurace
Plan Type
Health
Coverage type
Coverage State
Coverage City
Coverage amount
Date of birth
  OR age    years
Policy duration
Gender
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Cholamandalam Royal Sundaram
Claims Settlement Ratio ** 73.87% 80.13%
Number of Lives Covered * 27,48,000 1,406,000
Network Hospitals 6,000 + 5,000 +
  • * As per IRDAI report for 2018-19
  • ** As per NL25 data published on the Insurance Company website
Cholamandalam royal-sundaram royal-sundaram royal-sundaram
Healthline Lifeline health Family Plus Arogya Sanjeevani
In-patient Treatment
Covered Covered up to sum insured Covered up to sum insured Covered
Room Rent
Single occupancy AC room is allowed for all Sum Insured except for Rs.1 Lakh / 2Lakhs. For Rs.1 Lakh / 2Lakhs Sum Insured the maximum room rent allowed is Rs.1,500 and Rs.3,000 per day respectively
No Room Rent Capping No Room Rent Capping Up to 2% of sum insured subject to a maximum of Rs.5000
ICU Charges
Covered Not covered No Room Rent Capping Up to 5% of sum insured subject to a maximum of Rs.10000
Pre-hospitalization
Value Healthline: 30 days before the date of admission to the hospital
Freedom, Enrich, Privilage Healthline: 60 days before the date of admission to the hospital
Classic: Covered up to 30 days
Supreme: Covered up to 60 days
Elite: Covered up to 60 days
Up to 60 days Up to 30 days
Post-hospitalization
Value Healthline: 60 days before the date of admission to the hospital
Freedom, Enrich, Privilage Healthline: 90 days before the date of admission to the hospital
Classic: Covered up to 60 days
Supreme: Covered up to 90 days
Elite: Covered up to 180 days
Up to 180 days Up to 60 days
Day Care Procedures
Covered Covered up to sum insured Covered up to sum insured Covered up to sum insured
Domiciliary Treatment
Covered (Maximum 7 days) Covered up to sum insured Covered up to sum insured Not covered
Emergency Ambulance
Value Healthline: Rs.1,000 per hospitalisation
Freedom & Enrich Healthline: Rs.2,000 per hospitalisation
Privilage Healthline: Rs.5,000 per hospitalisation
Classic: Up to Rs.3,000
Supreme: Up to Rs.5,000
Elite: Up to Rs.10,000
Up to Rs 4,000 Up to Rs.2,000 per hospitalisation
Dental Treatment
Value,Freedom & Enrich Healthline: Not Covered
Privilage Healthline: Rs.10,000 every 2 Years
(Additional benefit)
Not covered Not covered Not covered
Bariatric Surgery
Not Covered Not covered Not covered Not covered
Ayush Benefit
Covered
Classic: Government Hospitals - Covered up to sum insured
Other Hospitals - Covered up to Rs.20,000
Supreme: Government Hospitals - Covered up to sum insured
Other Hospitals - Covered up to Rs.30,000
Elite: Government Hospitals - Covered up to sum insured
Other Hospitals - Covered up to Rs.50,000
Government Hospitals - Covered up to sum insured
Other Hospitals - Covered up to Rs.50,000
Available up to sum insured.
Maternity Benefits
Value,Freedom & Enrich Healthline: Not Covered
Privilage Healthline: Up to Rs.1 Lakh Per delivery (Up to 2 deliveries, after 3 consecutive renewals)
Classic: Not covered
Supreme: Not covered
Elite: 25,30,50 Lakhs: Rs.200000
100,150 Lakhs: Rs.250000
INR 50,000, per delivery Not covered
New Born baby cover
Value,Freedom & Enrich Healthline: Not Covered
Privilage Healthline: Covered up to Sum Insured of Mother / Floater Sum Insured
Classic: Not covered
Supreme: Not covered
Elite: Rs.25 lakhs: Rs.625,000
Rs.30 lakhs: Rs.750,000
Rs.50 Lakhs: Rs.1,250,000
Rs.100 lakhs: Rs.2,500,000
Rs.150 lakhs: Rs.3,750,000
Covered Not covered
Organ Donor Expenses
Covered Covered up to sum insured Covered up to sum insured Not covered
Vaccination (In case of post bite treatment)
Not Covered
Classic: Up to Rs.2,500
Supreme: Up to Rs.5,000
Elite: Up to Rs.7,500
Up to Rs.5,000 covered Not covered
Health Check-up
Value Healthline: Not Covered
Freedom Healthline: Once after 3 claim free years
Enrich & Privilage Healthline: Once after 2 claim free years
Classic: Not covered
Supreme: Annual
Elite: Annual
Covered Not covered
Hospital daily allowance
Value Healthline& Freedom Healthline: Not Covered
Enrich & Privilage Healthline: Rs.10,000 (Minimum 10 days Hospitalization)
(Additional benefit)
Not covered Not covered Not covered
Co-pay
Value Healthline: 10% on all claims
Freedom, Enrich, Privilage Healthline: Not Covered
(for age above 55years)
Covered Covered Co-payment of 5% applicable
Pre-existing diseases coverage
Pre-existing diseases covered after 4 years of continuous coverage
Classic: Covered after 48 months
Supreme: Covered after 36 months
Elite: Covered after 24 months
Covered after 36 months Covered after 48 months
Restore Benefit
Not Covered Not covered Not covered Not covered
General waiting period
30 days 30 days 30 days 30 days
Renewal Benefit / Cumulative Bonus
Value Healthline: 5% of sum insured every claim free year subject to maximum of 25% of sum Insured
Freedom Healthline: 5% of sum insured every claim free year subject to maximum of 50% of sum Insured
Enrich Healthline: 50% of sum insured every claim free year subject to maximum of 100% of sum Insured
Privilage Healthline: 5% of sum insured every claim free year subject to maximum of 50% of sum Insured
Covered Covered 5% in respect of each claim free year subject to a maximum of 50% of sum insured, in the event of claim Cumulative Bonus shall be reduced at the same rate.
Emergency Air Ambulance
Not Covered Not covered Not covered Not covered
Available sum insured options
Value Healthline: Rs.1 to 10 Lakhs
Freedom Healthline: Rs.2 to 15 Lakhs
Enrich Healthline: Rs.3 to 25 Lakhs
Privilage Healthline: Rs.5 to 25 Lakhs
Classic: 2/3/4 Lakhs
Supreme: 5/10/15/20/50 Lakhs
Elite: 25/30/50/100/150 Lakhs
Individual - Rs.2/3/5/10/15 lakhs
Floater - Rs.3/4/10/15/20/25/50 lakhs
Rs.1/1.5/2/2.5/3 /3.5/4/4.5/5 lakhs
Policy can be purchased for
1/2/3 years 1/2 years 1/2 years 1 years
Eligibility criteria
Adults from 18 to 65 years (dependents 90 days to 26 years) Adults from 18 to 65 years (dependents 91 days to 5 years) There is No Restriction on Maximum Entry Age Adults from 18 to 65 years (dependents 3 months to 25 years)
Renewability
Renewal for whole life Renewal for whole life Renewal for whole life Renewal for whole life
Daily Cash for Accompanying an Insured Child
Value Healthline& Freedom Healthline: Not Covered
Enrich Healthline : Rs 500 per day for 7 days
Privilage Healthline: Not Covered
(Additional benefit)
Not covered Not covered Not covered
Claims loading
No Loading Applicable Applicable No Loading
Portablity (At the time of renewal)
Yes Yes Yes Yes
Tax Benefits Limit
Income tax benefit under section 80D Income tax benefit under section 80D Income tax benefit under section 80D Income tax benefit under section 80D
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CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2025