🚀 Fincover® App is Now Live!
Join 10 Million+ users on web – now available on mobile!
Last updated on: May 20, 2025
CignaTTK Health Insurance and Royal Sundaram Health Insurance are reputable providers in India, each offering a range of health plans tailored to diverse customer needs. CignaTTK is known for its global network, wellness programs, and comprehensive coverage for families, individuals, and critical illnesses, with perks like unlimited restoration and a focus on preventive healthcare. Royal Sundaram stands out for its extensive hospital network, innovative features like reinstatement of sum insured, and quick claim settlement processes. While both insurers offer cashless treatments, pre/post-hospitalization cover, and add-ons, CignaTTK is often preferred for wellness-focused plans and international coverage, whereas Royal Sundaram appeals to those seeking straightforward policies, hassle-free claims, and wide domestic hospital access. The best choice depends on your requirements for international coverage, wellness benefits, hospital access, and claim experience.
Author
Read Bio
Reviewed by
Read BioHealth insurance is important in India to cover the medical expenses. As healthcare expenses increase, it is important to choose the appropriate plan. Two of the most trusted providers in 2025 are Cignattk Health Insurance and Royal Sundaram Health Insurance. Both provide family, individual, and critical-illness plans. When there is a wide range of choices, it may be difficult to pick the most appropriate plan that fits you. This guide compares the two insurers on major parameters to enable you to make a decision.
Cignattk is an international brand that is well established in the cities of India and has a customer-centered strategy. It has plans that suit middle-class families, working professionals, and families.
2025 Additions: AI-driven claim processing for instant approvals, mental-health teletherapy, and wellness reward programs in top-tier plans.
Did you know? The claim settlement ratio of Cignattk exceeds 98 % in the last two years.
Royal Sundaram is a mature non-life insurance company with customized health solutions. It also introduced plans to families and young couples in 2025.
Recent Enhancements: Digital onboarding, paperless claims, and a joint-family plan (Family Plus) with high per-member coverage.
Did you know? Royal Sundaram has a claim settlement ratio of 95 percent with fast cashless approvals 2025.
The coverage is the most important when selecting a policy. A side-by-side comparison of flagship plans is provided below.
| Feature | Cignattk | Royal Sundaram |
|---|---|---|
| Policy Types | Individual, Family, Top-up | Individual, Family, Group, Senior Citizen |
| Hospital Network | 6,500+ | 6,000+ |
| Sum Insured | Up to ₹3 crores | Up to ₹2 crores |
| Room Rent | No cap | Depends on plan |
| Pre-/Post | 60/180 days | 60/90 days |
| Maternity | Add-ons/standard | Selective plans |
| Annual Check | Yes | Basic panel free |
| Critical illness | Separate or rider | Add-on or standalone |
| AYUSH | Covered | Covered |
| Telemedicine | In new plans, telemedicine is included | |
| Wellness | Wellness, discount, points, loyalty program |
Pros
Cons
Did you know? A cashless claim and teleconsultation on a policyholder in a tier-city in UP used the mobile app, indicating the scope of technology.
Pros
Cons
Did you know? Royal Sundaram was awarded customer satisfaction by the regulatory body in two consecutive years.
Mr. Sharma is a 38-year-old IT professional in Bangalore who required a plan that includes advanced care and children health.
He selected Cignattk because it covers internationally and has a greater sum insured, which is important to him because he has peace of mind in case of a huge claim.
No. Mediclaim usually only includes the hospitalisation costs. These websites enable you to compare the policies against each other to make informed decisions.
Cignattk
Royal Sundaram
Did you know? In 2024–25, more than 85 percent of Cignattk claims were handled electronically, decreasing paperwork.
The premiums charged are based on age, sum insured, city, family size, health history and optional covers.
| Scenario | Cignattk | Royal Sundaram |
|---|---|---|
| Individual 30 yrs (₹5 lakh) | ₹6,500/yr | ₹6,200/yr |
| Family of 4 (₹10 lakh) | ₹24,000/yr | ₹21,500/yr |
| Senior Citizen (₹5 lakh) | ₹18,500/yr | ₹16,200/yr |
Tip: Compare premiums and coverage online at trusted insurance marketplaces. The two insurance firms have good online applications and customer support.
Yes. They are controlled and provide objective choices. Buy only from the insurer or an official partner.
Cignattk
Royal Sundaram
Did you know? 92 percent of Cignattk customers and 89 percent of Royal Sundaram customers evaluated their after-sales service as good or excellent in 2025.
Cignattk Add-ons
Royal Sundaram Add-ons
Selecting add-ons prudently increases coverage of future risks.
When you use up your sum insured in a policy year, the insurer will automatically replenish it to be used later in the year.
It is advisable that coverage be reviewed every two years to keep abreast with medical inflation and family requirements.
Both insurance firms have robust online applications and customer services.
Q: What is more suitable to the senior citizens, Cignattk or Royal Sundaram?
A: Royal Sundaram has competitive senior plans with reduced premiums, whereas Cignattk has wider coverage in case of the high sum insured or global cover is required.
Q: Do any of the two insurers offer cashless treatment PAN India in 2025?
A: Both do. Cignattk has more than 6,500 hospitals; Royal Sundaram has more than 6,000.
Q: Is it possible to purchase health insurance directly with the insurer or is it necessary to go through an agent?
A: You are able to buy straight away. Marketplaces are also used to compare and select appropriate plans.
Q: What is more healthy, Cignattk or Royal Sundaram?
A: Cignattk has annual examinations, reward schemes, and teletherapy in the majority of plans. Royal Sundaram has premium levels of wellness plans.
Q: What is the comparison of the hospitals in the network?
A: Both networks are large covering metro, tier 1 and tier two cities, making them accessible in case of emergency.
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).
Loved by 1M+ users. Start your financial journey today!
