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Last updated on: May 20, 2025
When comparing Bajaj Allianz Health Insurance and Royal Sundaram Health Insurance, both insurers offer comprehensive health coverage with a range of plans catering to individuals, families, and senior citizens. Bajaj Allianz is known for its extensive network of over 8,000 cashless hospitals, quick claim settlements, and features like wellness benefits and cashless claims through mobile apps. Royal Sundaram stands out with unique perks like coverage for maternity, no-claim bonus, and wellness programs, supported by a network of 7,000+ hospitals. While Bajaj Allianz has a higher claim settlement ratio and a broader hospital network, Royal Sundaram often offers competitive premiums and flexible policy options. Ultimately, the best choice depends on individual needs, such as preferred hospitals, budget, and desired add-ons, so it’s recommended to compare specific plans before buying
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Read BioHealth insurance is an important part of financial planning, as medical treatment and healthcare costs are increasing in India. Two of the most notable insurance providers that will offer comprehensive health plans in 2025 are Bajaj Allianz Health Insurance and Royal Sundaram Health Insurance. In case you are considering these insurers to cover yourself or your family, this updated guide will give you clear insights and comparisons based on the factors that are important to Indian policyholders today.
Bajaj Allianz Health insurance is a partnership between Bajaj Finserv Limited and Allianz SE, Germany. Bajaj Allianz is one of the companies that are well known to have a wide range of coverage options available. They are renowned to have a quick claim settlement, customer-focused services, and a wide network of hospitals in India. In 2025, they are still innovating by offering such features as digital tracking of claims, paperless policy issuance, and personalized wellness plans.
You did not know?
Bajaj Allianz has a cashless network of over 6500 hospitals, one of the largest among Indian insurers.
Royal Sundaram Health Insurance is a subsidiary of Royal Sundaram General Insurance Co. Limited, a trusted family and individual insurer. Royal Sundaram is renowned in flexible health plans, critical illness coverage and serving both rural and urban customers in India. They also spend much on preventive health benefits such as yearly health check-ups and wellness incentives to encourage healthy lifestyles among their policyholders.
Will I be able to purchase health insurance online in 2025?
Yes, most providers such as Bajaj Allianz and Royal Sundaram allow you to compare, select, and buy the appropriate health plans directly on their official websites or on reputed online platforms, which makes the process much easier.
A direct, at-a-glance comparison can help you see the significant differences and similarities in 2025:
| Feature | Bajaj Allianz | Royal Sundaram |
|---|---|---|
| Network Hospitals (2025) | 6500+ | 5000+ |
| Minimum Age | 3 months - 65 years | 91 days - 65 years |
| Claim Settlement Ratio (2023-24) | 94.6% | 92.8% |
| Waiting Period for Pre-Existing Disease | 2-4 years (as per plan) | 3-4 years (as per plan) |
| Maternity Benefits | Available in select plans | Available in select plans |
| Health Check-Ups | Once a year (in most plans) | Available in most plans |
| Day Care Procedures | 600+ | 400+ |
| No Claim Bonus | Up to 100% of the sum insured | Up to 150% of the sum insured |
| Home Hospitalization | Yes | Yes |
| Digital Services | Mobile app, WhatsApp claims, email | Mobile app, web tracking |
Insurance professionals advise comparing plans online by considering both claim settlement ratio and features of the plan that are specific to your family health history.
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You did not know?
Royal Sundaram was one of the first in India to introduce cashless claims in not only major hospitals but also in private clinics.
Megha, a 32-year-old woman in Pune, compared the two plans online. She was able to compare the room rent benefit offered by Bajaj Allianz and the No Claim Bonus structure of Royal Sundaram to make the right choice based on the factors that were most important to her family.
Is it possible to add critical illness cover in these health policies?
Yes, both Bajaj Allianz and Royal Sundaram have optional add-ons of critical illness and accidental cover at additional cost.
Example in 2025 for a nuclear family (2 adults, 2 children), seeking a 5 lakh sum insured:
| Company | Annual Premium (5 lakh SI, age 35, family floater) |
|---|---|
| Bajaj Allianz | Rs. 13,500 - 15,000 |
| Royal Sundaram | Rs. 11,800 - 14,200 |
Premiums depend on location, age, policy term, riders and pre-existing conditions.
Online marketplaces will enable you to compare premiums, rider costs and plan benefits with multiple providers at the same time, saving you time and money.
Expert insight:
Always ask a custom quote. During health insurance campaigns, some insurers will give discounts or waivers to those who are loyal to them, particularly at the beginning of the financial year.
Customer Support:
Both insurers have free 24/7 call centers, WhatsApp notifications, and multilingual support.
What is the difference between cashless and reimbursement claims?
You did not know?
In 2025, Bajaj Allianz introduced AI-powered claims assistant that enables customers to receive pre-approvals in real-time through their mobile phones.
Illustration:
A teacher in Bengaluru with an elderly parent in Mysore found an online insurance marketplace where she could compare hospital networks, and Bajaj Allianz had a wide network in both cities.
Both Bajaj Allianz and Royal Sundaram offer lifetime renewability provided that the premium is paid on time. Switching plans between insurers (portability) requires no loss of accumulated No Claim Bonus or waiting periods, provided you follow IRDAI guidelines.
Is it possible to change insurers after one year?
Yes, portability regulations enable you to transfer between Bajaj Allianz, Royal Sundaram, or any other insurer without losing the accumulated NCB and benefits.
Steps to make the optimal decision:
Which is the most suitable health insurance policy to families in 2025?
The most appropriate policy depends on your medical requirements, city, budget, and preferred hospital. Online portals allow you to compare Bajaj Allianz, Royal Sundaram and more customized to your needs.
Compare on sum insured, hospital cover in your area, ease of claim, and optional riders you need.
Which company has a quicker claim settlement process in 2025?
Bajaj Allianz has a slightly faster average claim settlement time than Royal Sundaram.
Do these policies restrict room rent?
Neither restricts room rent in higher-end plans, but Bajaj Allianz imposes caps in some entry-level policies.
Is it possible to insure both of my parents under both plans?
Yes, both have parent and senior citizen plans with lifelong renewability.
Is pre-policy medical check-up compulsory?
Generally required for older applicants (esp. Royal Sundaram after 45 years).
How do I check hospital lists with these insurers?
Go to the official websites or online platforms, enter your city, and see the full list.
Your decision between Bajaj Allianz and Royal Sundaram health insurance should be based on where you live, your budget, health needs, and the hospitals you prefer. Both offer robust features and digital claim support in 2025.
Comparison of plans should always be done online before buying them.
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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