Star Health Insurance Vs Royal Sundaram Health Insurance

Star Health Insurance Vs Royal Sundaram Health Insurance

Spending for your health is not an expense but an investment. With ever-increasing health risks, Medical Insurance has become essential for everyone, irrespective of age. By keeping this in mind, different health insurers offer various medical plans to safeguard you and your family from financial troubles and help you never compromise your health. These policies have become an essential part of our life since they helps us to stay healthy through their wellness programs, and at the same time provides us financial stability in the face of an emergency.

When we are talking about health policies, we cannot overlook two insurers, namely Star Health Insurance Company and Royal Sundaram General Insurance Company as both the insurers have come up with a bucket full of different health plans to cater to the varied needs of the individuals. Both insurers offer tax benefits as per the prevailing tax laws in India, and their cashless facility and customer-oriented outlook have made them more famous among customers. To know more about the health plans of these two insurers, have a look at the following mentions.

Comparison Between Star Health Insurance and Royal Sundaram Health Insurance

The following table gives you a brief idea about the health policies offered by these two insurers and their differences.

ParametersStar Health InsuranceRoyal Sundaram Health Insurance
Number of plans22 plans7 health plans are available
Type of the insurerStand-alone health insurerPrivate sector insurer
Claim settlement ratio as per the IRDAI Annual Report 2021-22 (Health Sector)87.06%90.22%
Cashless facilityAvailableYes, available at network hospitals
Network hospitalsMore than 14.00010,000+ network hospitals
Gross premium amount within India (Health sector)Rs. 11463.47 crores in 2021-22Rs. 2866.59 crores in 2021-22
Add-on coversAvailable, after paying an extra premium amountAvailable, at an extra cost
Preventive health check-upFree annual health check-up is available for some policiesAvailable for certain policies
Separate senior citizen health planYes, availableNot available separately
AYUSH treatment coverCoveredCovered
Separate policy for women


Star Women Care Insurance Policy

Not available separately
Critical illness coverCovered. There are many dedicated policies for critical illnessesCovered. Also available as an add-on cover
Covid-19 treatment facilityYes, availableAvailable
Specific policy for childrenAvailableNot available
Modern treatmentCovered for some specific spansAvailable for some policies
Pre-existing diseasesCoveredCovered
Maternity cover & newborn baby coverAvailable for some policiesAvailable under Lifeline Elite Plan
Worldwide health coverAvailable, but not under all plansAvailable under Lifeline Elite Plan
Re-load of Sum InsuredThis facility can be availed of under some health plansUp to base sum insurance under Lifeline Health Insurance
Separate policy for people with disabilityStar Special Care is only for people with autism spectrum disorderYes, available Divyang Plus

Star Health Insurance Company

Star Health and Allied Insurance Co Ltd is an Indian multinational health insurance company headquartered in Chennai. This company has come up with more than 20 medical plans and some of them are dedicated to specific diseases, such as cancer, diabetes, etc. Pre-policy health check-up is not mandatory for most of the plans of Star Health. This insurer has also introduced different discount benefits, such as one can avail of a 5% discount on the premium amount if one opts for a 2, or 3-year Super Surplus Insurance Policy. If anyone opts for this insurer, he/she will not only get the option to customize their plan but also, they will get a pocket-friendly medical plan with lots of facilities.

Major Benefits of Health Policies Under Star Health Insurance

To know about the benefits of the health plans of Star Health Insurance, have a look at the following mentions.

Tax Benefit:

Their health insurance plans help you stay covered against various diseases. Additionally, it helps you boost tax savings. Under section 80D of the Income Tax Act, 1961, you can claim tax benefits against your health insurance premium.

Cashless treatment:

At the time of hospitalization, you do not have to worry about arranging cash to pay your hospital bill. Star Health will settle it directly with the hospital if it is in their network. They have more than 14,000 network hospitals all over India.

Coverage for pre-existing diseases:

A health plan from Star Health Insurance Company covers you for a pre-existing disease once you have completed the waiting period mentioned in the policy certificate. This waiting period may vary from one insurer to another.

Scan centers for women’s care:

The company has separate scan centers for women customers. If you have a health insurance policy from this insurer and you are a woman, then you are eligible for availing of this special facility.


Get virtual consultation from medical experts, play health quizzes, and check your health scores. Earning health scores will help you to save on your premium amount.

Wellness benefits:

Get rewards for a healthy lifestyle. Turn your fitness into savings. These wellness programs are digitally driven. So, you can earn rewards at your own pace, staying at your home.

Modern treatment:

Due to advancements in medical science, many new medical equipment and modern treatments have been introduced in the medical field. Modern treatment is very expensive. Most of the insurance policies of Star Health cover the expenses of modern treatment.


The company is connected with customers through 850+ official branches, and more than 6 lakh registered and licensed agents. Therefore, reaching the company at the hour of need is very easy.

Critical illness cover:

There are multiple health policies under this insurer that offer coverage against critical illness, and chronic ailment as well. As we know, critical illness such as heart disease, cancer, etc. has become very normal nowadays, therefore, these policies offer a big financial help.

Customer support:

The customer care support of this insurer is open 24/7. So, whenever you need this insurer beside you, you can find them easily.

Sundaram General Insurance Company

Royal Sundaram General Insurance Co. Ltd. (formerly known as Royal Sundaram Alliance Insurance Company Limited), a subsidiary of Sundaram Finance Group, is the first private sector general insurance company in India to be licensed in October 2000 by the IRDAI. Royal Sundaram provides assorted health insurance plans to fulfill the different healthcare needs of various individuals. Both individual and family floater plans are provided to cater to the complete medical care needs of different individuals. Apart from the general basic benefits like pre, and post-hospitalization expenses, hospitalization expenses cover, AYUSH treatment cover, etc., each health plan of this insurer has come up with a few unique advantages that have made them popular among the customers.

Key Benefits of Health Policies By Royal Sundaram General Insurance Company

Here are the benefits.

Cashless Claims:

The company claims to settle cashless claims within a very short period of time which is certainly a reason that you go for this insurer as it will help you get financial support in the event of a medical emergency very quickly.

Network Hospitals:

One cannot avail of the cashless facility unless and until he/she gets admitted to a network hospital of the company. Royal Sundaram has more than 10,000 cashless hospitals spread all over the country. So, you can get one within your vicinity.

Health Insurance for People with Disabilities:

Very few insurance companies offer a dedicated insurance policy for people with special needs. Royal Sundaram has a Divyang Plus plan that is exclusively for them including mental illness and persons afflicted with HIV and AIDS.

Comprehensive Plan:

They also offer a comprehensive health insurance policy (Lifeline Health Insurance Plan) with a family floater option that covers medical expenses arising out of unforeseen hospitalization due to any accident or illness, for self, spouse, and dependent children. The policy has several benefits such as reload benefit, AYUSH treatment, emergency domestic evacuation, worldwide emergency hospitalization, etc.

Critical illness:

Keeping in mind the need for critical illness coverage, the company has included critical illness benefits, either as an in-built cover or as an add-on cover under their health insurance plan. lifeline Health plan has international treatment coverage for 11 critical illnesses.

Maternity Cover:

They have also introduced maternity coverage keeping in mind the need of the newly wedded couple who do not have maternity coverage and planning for maternity after 3 years.

Daily Cash Benefit:

They also have a health insurance plan that provides a daily cash benefit for planned and emergency hospitalization for family and legally related individuals of the proposer arising out of any unforeseen accident or illness..

Top-up plan:

Their Advanced Top Up Health Insurance Plan covers you over and above the base health insurance plan and will come to your rescue once your base plan is completely utilized. You can claim multiple times in a year once your base health coverage is utilized completely.

Multiplier health insurance plan:

It covers up to 11 times the sum insured during emergency health conditions. The product offers a large sum insured in the event of any life-threatening disease that is unforeseen.

Premium comparison between Star Health Insurance and Royal Sundaram Health Insurance

Here is an example to make it more understandable. Suppose, Mr.Nayar (a 37-year-old businessman) wants to buy a health insurance plan for himself. He has selected these two insurers and wants to opt for a comprehensive health policy. Let us find out how much premium amount he has to pay for the following two policies for the given credentials.

Name of the planAgeFor whom?Sum insuredPolicy termAdd-on coverPremium amount
Star Comprehensive Health Policy37selfRs. 10 lakhs2 yearsAggregate Deductible (Rs. 25,000)Rs. 22,795 including GST
Royal Sundaram Lifeline Supreme PlanHospital Daily Cash BenefitRs. 11076.77 + GST

Star Health Insurance and Royal Sundaram Health Insurance, which one is the one for you?

When the comparison is between Star Health Insurance and Royal Sundaram General Insurance Company, it becomes very hard to choose one because both companies are popular in the field of health insurance, specifically in the case of unique medical insurance plans. If you need multiple options to choose from and an ailment-specific plan, then Star Health Insurance is the one for you. On the other hand, if you want to have 4x, or 11x multiplier benefits, and protection against chronic illnesses, then Royal Sundaram is the ideal one for you. Therefore, it totally depends on the customers, which one they want to select according to their needs and preferences. Apart from that, there are multiple factors that determine the choice of a health plan, such as family history, medical background, lifestyle, habits, budget, etc. However, before selecting one, it would be highly recommended to go through the health policies of the company and their inclusions and exclusions carefully, and only then select one.

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