Compare Royal Sundaram vs Godigit Health Insurace
| Royal Sundaram | Godigit | |
|---|---|---|
| Claims Settlement Ratio ** | 80.13% | 60 |
| Number of Lives Covered * | 1,406,000 | -- |
| Network Hospitals | 5,000 + | 6,400 + |
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| Lifeline health | Family Plus | Arogya Sanjeevani | Digit Health Care Plus | Digit Health Plus |
| In-patient Treatment | ||||
| Covered up to sum insured | Covered up to sum insured | Covered | Maxima Restore Super: All Illness Hospitalization Early Cover: All Illness Hospitalization Super Care: All Illness Hospitalization |
Covered |
| Room Rent | ||||
| No Room Rent Capping | No Room Rent Capping | Up to 2% of sum insured subject to a maximum of Rs.5000 | Maxima Restore Super: No room rent restriction Early Cover: No room rent restriction Super Care: No room rent restriction |
Covered(shared or private room subject to a Limit Per Day as opted by You and mentioned in Your Policy ) |
| ICU Charges | ||||
| Not covered | No Room Rent Capping | Up to 5% of sum insured subject to a maximum of Rs.10000 | Covered | Covered |
| Pre-hospitalization | ||||
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 | Maxima Restore Super: 30 days Early Cover: 30 days Super Care: 30 days |
Covered |
| Post-hospitalization | ||||
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 | Maxima Restore Super: 60 days Early Cover: 60 days Super Care: 60 days |
Covered |
| Day Care Procedures | ||||
| Covered up to sum insured | Covered up to sum insured | Covered up to sum insured | Maxima Restore Super: Covered Early Cover: Covered Super Care: Covered |
Covered |
| Domiciliary Treatment | ||||
| Covered up to sum insured | Covered up to sum insured | Not covered | Maxima Restore Super: Not Covered Early Cover: Not Covered Super Care: Not Covered |
Covered |
| Emergency Ambulance | ||||
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 | Maxima Restore Super: 1% upto Rs.5,000 Early Cover: 1% upto Rs.5,000 Super Care: 1% upto Rs.5,000 |
Covered |
| Dental Treatment | ||||
| Not covered | Not covered | Not covered | Maxima Restore Super: Covered Early Cover: Covered Super Care: Covered |
Covered |
| Bariatric Surgery | ||||
| Not covered | Not covered | Not covered | Maxima Restore Super: Covered Early Cover: Covered Super Care: Covered |
Covered |
| Ayush Benefit | ||||
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. | Maxima Restore Super: Not Covered Early Cover: Not Covered Super Care: Not Covered |
Covered |
| Maternity Benefits | ||||
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 | Maxima Restore Super: Not Covered Early Cover: Not Covered Super Care: Not Covered |
Covered (if opted by You.) |
| New Born baby cover | ||||
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 | Maxima Restore Super: Not Covered Early Cover: Not Covered Super Care: Not Covered |
Covered (if opted by You.) |
| Organ Donor Expenses | ||||
| Covered up to sum insured | Covered up to sum insured | Not covered | Maxima Restore Super: Covered Early Cover: Not Covered Super Care: Not Covered |
Organ transplantation charges, including donor’s pre and post hospitalization expenses are covered and the limit is 5% of the amount claimed. |
| Vaccination (In case of post bite treatment) | ||||
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 | Maxima Restore Super: Not Covered Early Cover: Not Covered Super Care: Not Covered |
Covered (if opted by You.) |
| Health Check-up | ||||
Classic: Not covered Supreme: Annual Elite: Annual |
Covered | Not covered | Maxima Restore Super: Covered Early Cover: Covered Super Care: Covered |
Covered |
| Hospital daily allowance | ||||
| Not covered | Not covered | Not covered | Maxima Restore Super: Covered Early Cover: Covered Super Care: Covered |
Covered |
| Co-pay | ||||
| Covered | Covered | Co-payment of 5% applicable | Maxima Restore Super: No Age based Co-Payment Early Cover: No Age based Co-Payment Super Care: No Age based Co-Payment |
Covered |
| Pre-existing diseases coverage | ||||
Classic: Covered after 48 months Supreme: Covered after 36 months Elite: Covered after 24 months |
Covered after 36 months | Covered after 48 months | Maxima Restore Super: 2 year waiting period for PED Early Cover: 2 year waiting period for PED Super Care: 3 year waiting period for PED & 2 year for Specific illness |
Pre-existing Disease as defined in this policy shall not be covered until the number of months of continuous coverage as opted by you and mentioned in policy schedule |
| Restore Benefit | ||||
| Not covered | Not covered | Not covered | Maxima Restore Super: Not Covered Early Cover: Not Covered Super Care: Not Covered |
NIL restoration benefit |
| General waiting period | ||||
| 30 days | 30 days | 30 days | Maxima Restore Super: 30 days Early Cover: 30 days Super Care: 30 days |
30 days |
| Renewal Benefit / Cumulative Bonus | ||||
| 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. | Maxima Restore Super: 10% each claim free year (max 50%) Early Cover: 10% each claim free year (max 50%) Super Care: 10% each claim free year (max 50%) |
You would be eligible for Cumulative Bonus at the time of renewal as mentioned in Your Policy Schedule |
| Emergency Air Ambulance | ||||
| Not covered | Not covered | Not covered | Maxima Restore Super: Not Covered Early Cover: Not Covered Super Care: Not Covered |
Air ambulance cover is provided in case of life threatening medical conditions requiring immediate transportation to the proximate hospital. |
| Available sum insured options | ||||
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 | Maxima Restore Super: Rs.3 to 25 Lakhs Early Cover: Rs.3 to 25 Lakhs Super Care: Rs.3 to 25 Lakhs |
Starting from Rs. 2 Lakh |
| Policy can be purchased for | ||||
| 1/2 years | 1/2 years | 1 years | Maxima Restore Super: 1/2/3 years Early Cover: 1/2/3 years Super Care: 1/2/3 years |
1/2/3 years |
| Eligibility criteria | ||||
| 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) | Adults from 18 to 80 years (dependent children will be covered till the age of 25 years) |
Between the age group of 1 year and 60 years |
| Renewability | ||||
| Renewal for whole life | Renewal for whole life | Renewal for whole life | Renewal for whole life | Renewal for whole life |
| Daily Cash for Accompanying an Insured Child | ||||
| Not covered | Not covered | Not covered | Not Covered | Not Covered |
| Claims loading | ||||
| Applicable | Applicable | No Loading | Loading | Loading |
| Portablity (At the time of renewal) | ||||
| Yes | 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 | Income tax benefit under section 80D |
