Bajaj Allianz
vs
Royal Sundaram

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Bajaj Allianz vs Royal Sundaram

Bajaj Allianz

Bajaj Allianz General Insurance is one of the largest private insurer in the industry with offices in over 1100 towns and cities. With a brand message reflecting caringly yours customers are assured to get the best of healthcare.

Royal Sundaram

Royal Sundaram General Insurance is a leading private sector general insurance company in India. The insurer has 2 crore+ customers across India, and is the first private insurer to tie up with banks for selling retail products.

COMPANY DETAILS Edit

Bajaj Allianz

Edit

Royal Sundaram

Rating
Number of health insurance plans and add-ons
Sum insured

Sum Insured

Up to 25 Cr

Sum Insured

Up to 1.5 Cr
Network hospitals

Network Hospital

18400+

Network Hospital

10000+
Claim ratio

Claim Ratio

93.54%

Claim Ratio

96.17%
Solvency Ratio

Solvency Ratio

3.6

Solvency Ratio

2.1
Pan India Presence

Pan India Presence

1100

Pan India Presence

160
Claim Form

Claim Form

-

Claim Form

-
Waiting Period

Waiting Period

30

Waiting Period

30
Accident Health Insurance

Accident Health Insurance

Bajaj Allianz Personal Guard
Premium Personal Guard
Bajaj Allianz Personal Accident Policy

Accident Health Insurance

Royal Sundaram Health Personal Accident Policy
Individual and Family Health Insurance

Individual and Family Health Insurance

My Health Care Plan
Bajaj Allianz Star Package
Bajaj Allianz Tax Gain Policy
Bajaj Allianz Health Ensure
Bajaj Allianz Critical Illness
Bajaj Allianz Health Care Supreme
Bajaj Allianz Health Guard
Bajaj Allianz Arogya Sanjeevani

Individual and Family Health Insurance

Royal Sundaram Lifeline Supreme
Royal Sundaram Multiplier Health Plan
Royal Sundaram Family Plus Plan
Lifeline Health Insurance Plan
Critical Illness Health Insurance

Critical Illness Health Insurance

Bajaj Allianz Criti Care Plan

Critical Illness Health Insurance

Individual

Individual

Bajaj Allianz Health Infinity
Criti Care

Individual

Royal Sundaram Surrosafe Plan
Senior Citizen Health Insurance

Senior Citizen Health Insurance

Silver Health Plan

Senior Citizen Health Insurance

Top Up and Super Top Up

Top Up and Super Top Up

Bajaj Allianz Extra Care Plus

Top Up and Super Top Up

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Bajaj Allianz Health Insurance

Bajaj Allianz General Insurance is one of the largest private insurer in the industry with offices in over 1100 towns and cities. With a brand message reflecting caringly yours customers are assured to get the best of healthcare.

Accident Health Insurance Plans

Accident Health Insurance

Global Personal Guard Policy by Bajaj Allianz is an individual and family floater global accident insurance policy that covers you against death, perm...

Unique Features

  • Death Cover
  • EMI Payment Cover
  • Hospital Cash Benefit

Bajaj Allianz Personal Guard (Pros)

Bajaj Allianz Personal Guard

Bajaj Allianz Personal Guard (Cons)

Bajaj Allianz Personal Guard

Bajaj Allianz Personal Guard (Other Benefits)

Bajaj Allianz Personal Guard

Bajaj Allianz Personal Guard (Eligibility Criteria)

Bajaj Allianz Personal Guard
  • 18 to 70 Years

Accident Health Insurance

Bajaj Premium Personal Guard supports you in the hour of crisis and helps you to sustain the unforeseen risks providing security for the future and en...

Unique Features

  • In-house claim settlement team
  • Multiple Sum Insured Options
  • Lifelong Renewability

Premium Personal Guard (Pros)

Premium Personal Guard
  • In-house claim settlement team
  • Multiple sum insured options
  • Lifelong renewability

Premium Personal Guard (Cons)

Premium Personal Guard
  • Does not cover self-inflicted injury
  • No AIDS cover
  • Organ donation not covered

Premium Personal Guard (Other Benefits)

Premium Personal Guard

Premium Personal Guard (Eligibility Criteria)

Premium Personal Guard
  • 18 to 65 Years

Accident Health Insurance

Bajaj Allianz Personal Accident Policy is a safety net for policyholders as life is uncertain and can throw any curveballs your way. Bajaj Allianz's P...

Unique Features

  • High sum insured
  • Death cover
  • Disability cover

Bajaj Allianz Personal Accident Policy (Pros)

Bajaj Allianz Personal Accident Policy

Bajaj Allianz Personal Accident Policy (Cons)

Bajaj Allianz Personal Accident Policy

Bajaj Allianz Personal Accident Policy (Other Benefits)

Bajaj Allianz Personal Accident Policy

Bajaj Allianz Personal Accident Policy (Eligibility Criteria)

Bajaj Allianz Personal Accident Policy
  • 18 to 65 Years

Individual and Family Health Insurance Plans

Individual and Family Health Insurance

Bajaj Allianz My Health Care Plan is a truly flexible plan for personalized health care. The health insurer offers a bouquet of features allowing insu...

Unique Features

  • Avail Optional Cover
  • Maternity Cover
  • High SI

My Health Care Plan (Pros)

My Health Care Plan
  • High SI options
  • OPD cover
  • Cataract cover

My Health Care Plan (Cons)

My Health Care Plan
  • No cover for gender change treatments
  • No cover for obesity treatments
  • Infertility cover not available

My Health Care Plan (Other Benefits)

My Health Care Plan

My Health Care Plan (Eligibility Criteria)

My Health Care Plan
  • 18 to 65 Years

Individual and Family Health Insurance

Bajaj Allianz Star Package Policy is a 360-degree family floater health insurance plan wherein you and your family members are protected against medic...

Unique Features

  • Super Cumulative Bonus
  • Co-Pay Available
  • 8 Benefit Options

Bajaj Allianz Star Package (Pros)

Bajaj Allianz Star Package
  • Super cumulative bonus
  • Co-pay available
  • 8 benefit options

Bajaj Allianz Star Package (Cons)

Bajaj Allianz Star Package
  • Domiciliary hospitalisation not covered
  • OPD coverage not available
  • Weight management treatments not covered

Bajaj Allianz Star Package (Other Benefits)

Bajaj Allianz Star Package

Bajaj Allianz Star Package (Eligibility Criteria)

Bajaj Allianz Star Package
  • 18 to 65 Years

Individual and Family Health Insurance

Bajaj Allianz Tax Gain Plan is a family floater health insurance policy providing coverage for outpatient expenses and hospitalization expenses under ...

Unique Features

  • OPD Cover
  • Senior Citizen Cover
  • 4 Plan Variants

Bajaj Allianz Tax Gain Policy (Pros)

Bajaj Allianz Tax Gain Policy
  • Multiple plan options available
  • OPD cover
  • Coverage for senior citizens

Bajaj Allianz Tax Gain Policy (Cons)

Bajaj Allianz Tax Gain Policy
  • ICU charges not covered
  • Pre-hospitalisation not covered
  • No coverage for post-hospitalisation

Bajaj Allianz Tax Gain Policy (Other Benefits)

Bajaj Allianz Tax Gain Policy

Bajaj Allianz Tax Gain Policy (Eligibility Criteria)

Bajaj Allianz Tax Gain Policy
  • 18 to 75 Years

Individual and Family Health Insurance

We all want to give the best facilities to our families and their sound health is of supreme importance to us; hence, we want to be the best regarding...

Unique Features

  • Comprehensive Coverage
  • Cumulative Bonus
  • Life Long Renewal

Bajaj Allianz Health Ensure (Pros)

Bajaj Allianz Health Ensure
  • Comprehensive coverage
  • Cumulative bonus
  • Lifelong renewal

Bajaj Allianz Health Ensure (Cons)

Bajaj Allianz Health Ensure
  • Domiciliary not covered
  • No coverage for infertility
  • Sub-limits applicable

Bajaj Allianz Health Ensure (Other Benefits)

Bajaj Allianz Health Ensure

Bajaj Allianz Health Ensure (Eligibility Criteria)

Bajaj Allianz Health Ensure
  • 18 Years to no upper age limit

Individual and Family Health Insurance

Bajaj Allianz critical illness insurance plan ensures you a round-the-clock protection against critical illnesses. With a progressive and changing lif...

Unique Features

  • Covers 10 critical illnesses
  • In-house claim settlement
  • Lifelong renewability

Bajaj Allianz Critical Illness (Pros)

Bajaj Allianz Critical Illness
  • Cover for 10 critical illnesses
  • Lifelong renewability
  • Affordable premium options

Bajaj Allianz Critical Illness (Cons)

Bajaj Allianz Critical Illness
  • No cover for childhood defects
  • No cover for HIV/AIDS
  • Survival period of 30 days

Bajaj Allianz Critical Illness (Other Benefits)

Bajaj Allianz Critical Illness
  • Long Term Policy Discount
  • Major Organ Transplantation
  • Hassle free In House claim process

Bajaj Allianz Critical Illness (Eligibility Criteria)

Bajaj Allianz Critical Illness
  • 18 to 65 Years

Individual and Family Health Insurance

Health Care Supreme is a comprehensive health care plan offered by Bajaj Allianz Health Insurance that provides lifetime coverage against the medical ...

Unique Features

  • Cover 15 Critical Illnesses
  • Preventive Health Check-ups
  • Long Term Policy

Bajaj Allianz Health Care Supreme (Pros)

Bajaj Allianz Health Care Supreme
  • Cover 15 critical illnesses
  • Preventive health check-ups
  • Long-term policy

Bajaj Allianz Health Care Supreme (Cons)

Bajaj Allianz Health Care Supreme
  • Global coverage not available
  • Domiciliary hospitalisation not covered
  • No compassionate travel benefits

Bajaj Allianz Health Care Supreme (Other Benefits)

Bajaj Allianz Health Care Supreme

Bajaj Allianz Health Care Supreme (Eligibility Criteria)

Bajaj Allianz Health Care Supreme

Individual and Family Health Insurance

Bajaj Allianz Health Guard plan provides policyholders with a comprehensive range of benefits, ensuring that they are covered for the larger expenses ...

Unique Features

  • About Health Guard Variants
  • Buying Process ’On a Go’
  • Quick Claim Settlement

Bajaj Allianz Health Guard (Pros)

Bajaj Allianz Health Guard
  • Lifelong entry age
  • SI upto 1 Crore
  • Variants available

Bajaj Allianz Health Guard (Cons)

Bajaj Allianz Health Guard
  • Domiciliary not covered
  • E-consultation not available
  • No second medical opinion

Bajaj Allianz Health Guard (Other Benefits)

Bajaj Allianz Health Guard

Bajaj Allianz Health Guard (Eligibility Criteria)

Bajaj Allianz Health Guard
  • 18 Years to Lifelong

Individual and Family Health Insurance

A versatile policy covering every family member. Bajaj Allianz Arogya Sanjeevani is a comprehensive health plan for individuals and families alike. Av...

Unique Features

  • Life-long Renewability
  • Hassle-free Claim Settlement
  • Flexible Payment Modes

Bajaj Allianz Arogya Sanjeevani (Pros)

Bajaj Allianz Arogya Sanjeevani
  • Lifelong renewability
  • Affordable premiums
  • Cover for pre-policy health checkups

Bajaj Allianz Arogya Sanjeevani (Cons)

Bajaj Allianz Arogya Sanjeevani
  • Low SI options
  • No cover for dental treatments
  • No cover for mental illness

Bajaj Allianz Arogya Sanjeevani (Other Benefits)

Bajaj Allianz Arogya Sanjeevani

Bajaj Allianz Arogya Sanjeevani (Eligibility Criteria)

Bajaj Allianz Arogya Sanjeevani
  • 18-65 Years

Critical Illness Health Insurance Plans

Critical Illness Health Insurance

Get maximised care and an additional layer of protection against your critical illness worries. The base coverage options of Bajaj Allianz Criti Care ...

Unique Features

  • 43 critical illnesses cover
  • All-stage cancer cover
  • Physiotherapy care available

Bajaj Allianz Criti Care Plan (Pros)

Bajaj Allianz Criti Care Plan
  • 43 critical illnesses cover
  • All-stage cancer cover
  • Physiotherapy care available

Bajaj Allianz Criti Care Plan (Cons)

Bajaj Allianz Criti Care Plan
  • Sexually transmitted diseases
  • War injuries
  • Self-Inflicted injuries

Bajaj Allianz Criti Care Plan (Other Benefits)

Bajaj Allianz Criti Care Plan
  • Cardiovascular care
  • Kidney care
  • Cancer care
  • Sensory organ care

Bajaj Allianz Criti Care Plan (Eligibility Criteria)

Bajaj Allianz Criti Care Plan
  • Min entry age: 18 Years
  • Max entry age: 65 Years
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 2 Cr

Individual Plans

Individual

Bajaj Allianz Health Infinity Plan is a unique health insurance plan. Bajaj Allianz Health Infinity Plan has been designed to give policyholders unlim...

Unique Features

  • Comprehensive Health Plan
  • Lifetime Renewability
  • Quick Claim Process

Bajaj Allianz Health Infinity (Pros)

Bajaj Allianz Health Infinity
  • Comprehensive coverage
  • Lifelong renewal
  • Easy and quick claim process

Bajaj Allianz Health Infinity (Cons)

Bajaj Allianz Health Infinity
  • OPD not covered
  • Infertility treatments not covered
  • Organ donor coverage not available

Bajaj Allianz Health Infinity (Other Benefits)

Bajaj Allianz Health Infinity

Bajaj Allianz Health Infinity (Eligibility Criteria)

Bajaj Allianz Health Infinity
  • 18 to 65 Years

Individual

Bajaj Allianz Critical Illness plans provide a multitude of benefits that protect the insured from life-threatening critical diseases. The numerous cr...

Unique Features

  • 43 CI cover
  • All-stage cancer cover
  • Physiotherapy care

Criti Care (Pros)

Criti Care
  • 43 critical illnesses cover
  • All-stage cancer cover
  • Physiotherapy care available

Criti Care (Cons)

Criti Care
  • ICU cover not available
  • No pre and post-hospitalisation cover
  • No room rent cover

Criti Care (Other Benefits)

Criti Care
  • Early Stage Cancers
  • Carotid Artery Surgery
  • Removal of one Kidney

Criti Care (Eligibility Criteria)

Criti Care
  • 18 to 65 Years

Senior Citizen Health Insurance Plans

Senior Citizen Health Insurance

Bajaj Allianz Silver Health Plan for Senior Citizens is an adequate health plan if you are a senior citizen and are looking for an insurance plan or j...

Unique Features

  • Cover 15 Critical Illnesses
  • Preventive Health Check-ups
  • Long Term Policy

Silver Health Plan (Pros)

Silver Health Plan
  • Cover 15 critical illnesses
  • Preventive health check-ups
  • Long term policy

Silver Health Plan (Cons)

Silver Health Plan
  • Organ donor expenses not covered
  • Vaccination charges not covered
  • Self-inflicted injury not covered

Silver Health Plan (Other Benefits)

Silver Health Plan

Silver Health Plan (Eligibility Criteria)

Silver Health Plan
  • 46 to 80 Years

Top Up and Super Top Up Plans

Top Up and Super Top Up

Bajaj Allianz Extra Care Plus is a super top-up plan launched by Bajaj Allianz that covers all your medical expenses. Bajaj Allianz Extra Care Plus is...

Unique Features

  • Bajaj Allianz Super Top-Up
  • Avail High Sum Insured
  • Entry Age Up To 80 Years

Bajaj Allianz Extra Care Plus (Pros)

Bajaj Allianz Extra Care Plus
  • High sum insured
  • Entry age up to 80 years
  • Cover for family members available

Bajaj Allianz Extra Care Plus (Cons)

Bajaj Allianz Extra Care Plus
  • AIDS not covered
  • Self-inflicted injury not covered
  • Global coverage not available

Bajaj Allianz Extra Care Plus (Other Benefits)

Bajaj Allianz Extra Care Plus

Bajaj Allianz Extra Care Plus (Eligibility Criteria)

Bajaj Allianz Extra Care Plus

Royal Sundaram Health Insurance

Royal Sundaram General Insurance is a leading private sector general insurance company in India. The insurer has 2 crore+ customers across India, and is the first private insurer to tie up with banks for selling retail products.

Individual and Family Health Insurance Plans

Individual and Family Health Insurance

Royal Sundaram Lifeline Supreme Health Plan is a one-of-a-kind health insurance plan as it offers holistic coverage with a wide range of benefits such...

Unique Features

  • Up to 1 Crore SI
  • 4X Mobility Devices Cover
  • Health and Wellness Cover

Royal Sundaram Lifeline Supreme (Pros)

Royal Sundaram Lifeline Supreme
  • Re-load of sum insured
  • Health check-up
  • App-based cabs

Royal Sundaram Lifeline Supreme (Cons)

Royal Sundaram Lifeline Supreme
  • Illegal activities
  • Alcoholism
  • Self-inflicted harm

Royal Sundaram Lifeline Supreme (Other Benefits)

Royal Sundaram Lifeline Supreme
  • Annual Health Check-up
  • Emergency Evacuation
  • Second Opinion

Royal Sundaram Lifeline Supreme (Eligibility Criteria)

Royal Sundaram Lifeline Supreme
  • Min Entry Age:18 Years
  • Max Entry Age: No limit
  • Intiial Waiting Period: 30 Days
  • Sum Insured: 1 Crore

Individual and Family Health Insurance

Royal Sundaram Multiplier Health Insurance is a one of its kind plan that covers up to 11 times the sum insured in case of emergency health complicati...

Unique Features

  • 11X Multiplier Benefit
  • 4X Multiplier Benefit
  • Emergency Domestic Evacuation

Royal Sundaram Multiplier Health Plan (Pros)

Royal Sundaram Multiplier Health Plan
  • No claim bonus
  • Modern Treatments
  • AYUSH Treatment

Royal Sundaram Multiplier Health Plan (Cons)

Royal Sundaram Multiplier Health Plan
  • Illegal activities
  • alcoholism
  • obesity and weight management

Royal Sundaram Multiplier Health Plan (Other Benefits)

Royal Sundaram Multiplier Health Plan
  • Flexi Reload Benefit
  • Health and Wellness Benefit
  • Ambulance Cover

Royal Sundaram Multiplier Health Plan (Eligibility Criteria)

Royal Sundaram Multiplier Health Plan
  • Min Entry Age: 18 Years
  • Max Entry Age: 65 Years
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 25 L

Individual and Family Health Insurance

Give your life a new direction with the Royal Sundaram Family Plus plan if you are planning a family or want to protect your extended family. It's obv...

Unique Features

  • Emergency domestic evacuation
  • Maternity cover benefits
  • Health & wellness benefits

Royal Sundaram Family Plus Plan (Pros)

Royal Sundaram Family Plus Plan
  • Ambulance Cover
  • Re-load of Sum Insured
  • Second Opinion for 11 specied Critical iIIness

Royal Sundaram Family Plus Plan (Cons)

Royal Sundaram Family Plus Plan
  • Investigation & Evaluation
  • Obesity/ Weight Control
  • Alcoholism

Royal Sundaram Family Plus Plan (Other Benefits)

Royal Sundaram Family Plus Plan
  • Maternity cover
  • Health and wellness
  • Nutritional allowance

Royal Sundaram Family Plus Plan (Eligibility Criteria)

Royal Sundaram Family Plus Plan
  • Min entry age: 18 Years
  • Max entry age: No upper limit
  • Sum Insured: Up to 50 L
  • Initial waiting period: 30 Days

Individual and Family Health Insurance

Lifeline Health Insurance by Royal Sundaram is a comprehensive health insurance plan that looks after your day-to-day healthcare needs. Along with in-...

Unique Features

  • Plan benefits
  • Types of plans offered
  • Plan features & buying process

Lifeline Health Insurance Plan (Pros)

Lifeline Health Insurance Plan
  • Domiciliary Hospitalization
  • Worldwide Emergency Hospitalization
  • International Treatment Abroad

Lifeline Health Insurance Plan (Cons)

Lifeline Health Insurance Plan
  • Illegal Activities
  • Adventure Sports
  • Alcoholism

Lifeline Health Insurance Plan (Other Benefits)

Lifeline Health Insurance Plan
  • Preventive health care and wellness
  • Reload of Sum Insured
  • OPD Cover

Lifeline Health Insurance Plan (Eligibility Criteria)

Lifeline Health Insurance Plan
  • Min Entry Age 18 Years
  • Max Entry Age No limit
  • Initial Waiting Period 30 Days
  • Sum Insured Up to 1.5 Cr

Accident Health Insurance Plans

Accident Health Insurance

Royal Sundaram Personal Accident Policy safeguards insured individuals against the loss of income, provides the best medical care, and ensures your ch...

Unique Features

  • Global Coverage Available
  • 5 Crore SI
  • Education Grant

Royal Sundaram Health Personal Accident Policy (Pros)

Royal Sundaram Health Personal Accident Policy
  • Higher sum insured available
  • Accidental death cover
  • Disability cover

Royal Sundaram Health Personal Accident Policy (Cons)

Royal Sundaram Health Personal Accident Policy
  • Illegal activities
  • Alcoholism
  • Adventure sports

Royal Sundaram Health Personal Accident Policy (Other Benefits)

Royal Sundaram Health Personal Accident Policy
  • Worldwide coverage
  • Education grant
  • Cumulative bonus

Royal Sundaram Health Personal Accident Policy (Eligibility Criteria)

Royal Sundaram Health Personal Accident Policy
  • Min entry age: 18 Years
  • Max entry age: 70 Years
  • Sum Insured: Up to 1.5 Crores

Individual Plans

Individual

The Surrogacy (Regulation) Act, 2021 by the government of India has come into effect saying that, if any couple is in search of a surrogate mother, th...

Unique Features

  • Cover for Surrogacy
  • Oocyte Donor Cover
  • Daycare Procedures

Royal Sundaram Surrosafe Plan (Pros)

Royal Sundaram Surrosafe Plan
  • Covers surrogate mothers
  • Covers oocyte donors
  • Ambulance cover

Royal Sundaram Surrosafe Plan (Cons)

Royal Sundaram Surrosafe Plan
  • Illegal activites
  • adventure sports
  • self-harm

Royal Sundaram Surrosafe Plan (Other Benefits)

Royal Sundaram Surrosafe Plan
  • Inpatient hospitalization
  • Room rent cover
  • Daycare Procedures

Royal Sundaram Surrosafe Plan (Eligibility Criteria)

Royal Sundaram Surrosafe Plan
  • Min entry age: 18 Years; Max entry age: 35 Years
  • Sum Insured: Up to 5 L

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Naval Goel

Reviewed By: Naval Goel

Naval Goel is the CEO & founder of PolicyX.com. Naval has an expertise in the insurance sector and has professional experience of more than a decade in the Industry and has worked in companies like AIG, New York doing valuation of insurance subsidiaries. He is also an Associate Member of the Indian Institute of Insurance, Pune. He has been authorized by IRDAI to act as a Principal Officer of PolicyX.com Insurance Web Aggregator.