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Last updated on: May 20, 2025
The key pain points associated with choosing 1 crore health insurance in India for 2025 include justifying the high sum insured, understanding the layered policy structure, and ensuring inclusion of global and specialized treatment benefits. The featured 1 Crore Health Insurance in India effectively addresses these issues by offering all-inclusive coverage for high-cost treatments, international medical care, critical illnesses, and long-term hospitalization. It is ideal for HNIs, business owners, and families seeking top-tier medical protection without financial limits. The platform enhances user clarity with transparent breakdowns, AI-driven customization based on lifestyle and risk exposure, and expert guidance to ensure maximum return on investment and seamless claims experience.
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Read BioChoosing the appropriate health insurance is one of the best decisions that you can make to yourself and your family in India. As the medical world continues to change and healthcare expenses rise annually, individuals are seeking plans that not only have broad coverage but also new benefits and affordability. The two major players in the personal insurance business are the Aditya Birla Health Insurance and the Royal Sundaram Health Insurance. They both have their own specializations that appeal to different needs but which one prevails over the other in 2025?
This paper gives a detailed, transparent, and straightforward comparison of Aditya Birla Health Insurance and Royal Sundaram Health Insurance. We will assist you in learning the highlights, key features, customer experiences, claim processes, and more of each insurer. This guide is meant to help you understand your options in case you are thinking of buying or renewing health insurance in India.
Aditya Birla Health Insurance is a subsidiary of Aditya Birla Capital Limited. It was launched in 2016 and is known to introduce wellness and rewards-based insurance plans. These policies are not only aimed at covering hospitalisation, but also at encouraging active lifestyles, with rewards to healthy lifestyles. They provide individual and family floater, senior citizen, and critical illness health insurance.
Royal Sundaram General Insurance was founded in 2000 and was one of the first private general insurers in India. The health insurance section is characterized by ease of policy, claim-free process, and special schemes such as Lifeline and Family Plus. Royal Sundaram is unique in its customer service approach and simple policies.
Choosing the best provider is not that easy without direct and relevant data. To begin with, here is a quick table side-by-side:
| Aditya Birla Health Insurance | Royal Sundaram Health Insurance |
|---|---|
| Year of Foundation | 2016 |
| Claim Settlement Ratio (2024) | 96.8 percent |
| Number of Network Hospitals | More than 10,500 |
| Waiting Period (Pre-Existing) | 36 months |
| Wellness Benefits | Yes, extensive (Healthy Returns) |
| In-Home Hospitalisation Cover | Yes |
| Recharge/Restoration Benefits | Up to 150 percent sum insured |
| Maternity Cover | Available in select plans |
| Health Check-up | Yes, once in a year |
| Digital Health Tools | ABHI App with activity tracking |
| Critical Illness Cover | Included or optional add-on |
| PD Cover | Yes, in higher plans |
All figures as at December 2024
Expert Insight: In 2025, digital-first initiatives, increased claim settlement, and wellness-based rewards are becoming the key determinants of urban Indian families. — Richa Sinha, Health Insurance Consultant
Aditya Birla Health Insurance is known to combine traditional financial protection with the elements that motivate people to get regular health checkups, preventive care, and even physical exercise.
The most important points are:
Sample case
Priya, a 35-year-old marketing executive in Delhi, selected Aditya Birla Activ Health Platinum with a sum insured of 10 lakh. She could avail free annual health checkups, and through her health rewards points earned by tracking her daily fitness, she saved 4,000 on renewal premium in the first year.
Does Aditya Birla Health Insurance cover post and pre hospitalisation?
Yes, the majority of the Aditya Birla plans provide coverage of up to 30 days before and 60-180 days after hospitalisation.
Royal Sundaram Health Insurance is a company that is characterized by simplified policy terms, fast claims, and a strong hospital network.
Notable highlights:
Example
The Singh family of five who are residents of Bangalore and took the Royal Sundaram Family Plus Plan. It was more comprehensive at a reduced per-member premium and they also provided free preventive checkups to their elderly parents.
Did you realize?
Royal Sundaram was the first to introduce the cashless claims process in India, beginning in 2000. Speedy settlement is one of the major advantages mentioned by many 2025 customers.
Insurance premiums are based on age, location, coverage, and health condition. The following is a sample comparison of quotes of a healthy 35-year-old person having a sum insured of 10 lakh:
Individual (10 lakh sum insured)
| Plan Name | Annual Premium (2025) |
|---|---|
| Activ Health Platinum (Aditya Birla) | ₹10,500 – ₹11,700 |
| Lifeline Supreme (Royal Sundaram) | ₹10,200 – ₹11,300 |
Family floater plan (2 adults + 1 child, ₹10 lakh cover):
| Plan Name | Annual Premium (2025) |
|---|---|
| Activ Health Essential Family (Aditya Birla) | ₹20,500 – ₹23,200 |
| Family Plus (Royal Sundaram) | ₹19,800 – ₹22,500 |
Online insurance marketplaces allow you to compare updated prices of different insurers side-by-side, and in many cases, you can get an instant policy quote and filter products that suit your needs and budget.
Are Aditya Birla Health Insurance policies costly as compared to Royal Sundaram?
The prices are similar to those of comparable features, although wellness-heavy plans offered by Aditya Birla might be slightly more expensive with additional benefits.
Aditya Birla Health Insurance
Royal Sundaram Health Insurance
All the companies insure individuals, families, seniors, and even corporate clients.
Pros:
Cons:
Case Study
Ravi, 52 years old, of Pune, utilized his Aditya Birla Health Insurance to treat his Type 2 diabetes. The platform provided him with diet coaching calls and reimbursed more expensive diabetic retinopathy screenings, providing him with both immediate health and financial advantages.
Pros:
Cons:
Claim settlement ratio (CSR) is a critical metric when choosing an insurer. It indicates the percentage of claims settled as compared to claims received in a financial year.
| Insurer | Claim Settlement Ratio (2024 data) | Turnaround Time for Claims |
|---|---|---|
| Aditya Birla Health Insurance | 96.8 percent | 2 to 4 days (cashless) |
| Royal Sundaram Health Insurance | 93.6 percent | 3 to 7 days (cashless) |
Both have a higher score than the industry average, but Aditya Birla has a higher score in digital processing and a lower score of complaints on third-party forums.
Did you know?
In 2024, more than 70 percent of Aditya Birla health claims were paid directly to hospitals and supporting documents were submitted digitally, saving customers paperwork.
The pandemic years compelled insurance companies to go digital-first. In 2025, both Aditya Birla and Royal Sundaram have invested in digitised solutions, however, there are differences.
Aditya Birla is more digital and is attractive to the tech-savvy millennium and Gen Z.
Yes, most policies can be purchased and renewed online in both Aditya Birla Health Insurance and Royal Sundaram Health Insurance. Renewing through their websites or well-known online marketplaces you can:
Pro tip: Shop around and get quotes with different insurers to make sure you get the best insurance deal possible.
Can I transfer my health insurance portability to Aditya Birla?
Yes, IRDAI portability directives permit porting without loss of accrued benefits, under conditions.
Aditya Birla special add-ons:
Royal Sundaram special riders
Speak with an authorised advisor or visit online insurance marketplaces to find out which add-ons suit your health risks and lifestyle the most.
Feedback in the real world is essential. On independent review sites and forums:
Case study
The Agrawal family based in Kolkata moved to Royal Sundaram Family Plus with 9 members of the family covered under one policy. One of them shared that they had one of the easiest cashless hospital experiences when their son was hospitalised in late 2024.
The decision between Aditya Birla Health Insurance and Royal Sundaram Health Insurance should be based on the sum insured, wellness requirements, online usage, family strength, and the value of the premium. Aditya Birla is one of the few insurers that will offer wellness-related benefits, digital-first capabilities, and chronic care programs in 2025. Royal Sundaram is better suited to you if you want easy, quick claim settlements, large floater plans, or family-first covers. Compare and customise various plans online to get the best results.
Which is the better insurer in India in case of large joint families?
Royal Sundaram: Royal Sundaram has a Family Plus plan that covers up to 19 members at a relatively low price, making it an excellent choice of plan in case you have a large Indian family.
Does Aditya Birla provide international treatment cover?
Yes, some plans such as Global Health Secure cover treatment outside the country.
Are there cashless facilities in tier 2 and 3 cities under these insurers?
Both insurers have large cashless hospital networks, including in smaller towns.
Which insurance company has the quickest claims?
According to the 2024 statistics, Aditya Birla has slightly higher average rates of digital cashless settlements.
Does policy have an age limit?
A: Both offer policies from newborns (91 days) up to 65-70 years, with lifelong renewals.
How could we improve this article?
Written by Prem Anand, a content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors.
Prem Anand is a seasoned content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors. He has a strong command of industry-specific language and compliance regulations. He specializes in writing insightful blog posts, detailed articles, and content that educates and engages the Indian audience.
The content is prepared by thoroughly researching multiple trustworthy sources such as official websites, financial portals, customer reviews, policy documents and IRDAI guidelines. The goal is to bring accurate and reader-friendly insights.
This content is created to help readers make informed decisions. It aims to simplify complex insurance and finance topics so that you can understand your options clearly and take the right steps with confidence. Every article is written keeping transparency, clarity, and trust in mind.
Based on Google's Helpful Content System, this article emphasizes user value, transparency, and accuracy. It incorporates principles of E-E-A-T (Experience, Expertise, Authoritativeness, Trustworthiness).
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