Oriental Youth Eco Basic Plan vs Royal Sundaram Next Gen Plan: 2025 Detailed Features and User Guide

In 2025, the selection of the appropriate health insurance in India has become particularly more important when it comes to young adults and families seeking affordable health insurance that is both comprehensive and affordable. Two of the most outstanding plans such as Oriental Youth Eco Basic Plan and Royal Sundaram Next Gen Plan have varying benefits based on needs, budgets and lifestyles. In this article, an expert and in-depth analysis of their features, customer-appropriateness, experiences of claims, and more fine details of their policies has been provided, so that you can make a wise choice.

Health insurance policies have changed to meet the rising needs of preventive services, wellness and online access. The two products are frequently chosen by people seeking affordable health insurance plans among young people and by next generation health plans that prioritize customization, family and individual benefits.

What Are the Major Characteristics of Oriental Youth Eco Basic Plan and Royal Sundaram Next Gen Plan?

The step of first finding the right policy is knowing the main highlights and differences.

The main highlights of Oriental Youth Eco Basic Plan

• Particularly targeting young adults between 18 and 35 years.
• Premium structure through the affordable premiums of early starters.
• Hospitalization coverage of up to [?]5 lakhs in-patient.
• Pre and post hospitalization (30 and 60 days respectively) cost.
• Cash allowance in hospital.
• Healthy habits such as digital step tracking have wellness rewards.
• Coverage of Alternative therapies (AYUSH).
• 24/7 telemedicine meeting through the insurers app.
• Quick-service payment of claims with in-app upload option.

Main Highlights of Royal Sundaram Next Gen Plan

• Tailored to millennials, couples and young families.
• Sum insured [?]3 lakhs to [?]1 crore.
• International medical insurance of specific treatment.
• Newborn baby cover (after waiting period) and maternity cover.
• Incentives on wellness and preventive care such as integration of apps.
• Reimbursement of sum insured where it gets depleted during the policy year.
• Critical illness and OPD consultations optional cover.
• No claim bonus to a sum insured in the amount of 100 percent.
• WhatsApp and mobile-app direct claim intimation.

Did you know?
The young Indians in the metros are choosing health plans that have tech-enabled tracking and online claim process. In 2025, a majority of the health policyholders in urban India (60 percent) choose policies that have digital-first features and wellness programs.

What Both Plans and What They Do Not cover?

Inclusions and Exclusions of Oriental Youth Eco Basic Plan

Inclusions:

• Admission because of disease or non-injury accident.
• Cover of room rent up to 1 per cent of sum insured per day.
• Benefit on pre-existing diseases more than 3 years.
• Daycare operations (as many as 150 medical operations).
• AYUSH treatment.

Exclusions:

• Elective cosmetic surgery.
• Drug/alcohol abuse treatment.
• AIDS or HIV disease.
• AYUSH not under non-allopathic treatments.
• Healthcare abroad.

Royal Sundaram Next Gen Plan Inclusions/Exclusions

Inclusions:

• Inpatient hospitalization in India and in some foreign destinations.
• Bariatric surgery (follow up).
• Organ donor expenses.
• Robotic surgeries are among the modern treatments.
• Maternity and infertility treatment (optional add on).
• Unlimited higher plans room rent.

Exclusions:

• Unapproved experimental therapy.
• Disease cover already obtained in 2 years in certain forms.
• Injuries caused by war or nuclear hazard.
• OPD except where mentioned.

People also ask:
Q: Does both policies have AYUSH treatment?
A: AYUSH treatments are included in Only Oriental Youth Eco Basic Plan but Royal Sundaram includes modern treatment choice and some alternative therapies.

What Is the Comparison of Pricing, Premiums and Discounts?

Pricing provisions are a major factor to accommodate various budgets.

The indicative premiums rely on data of the leading online marketplaces. Depending on underwriting and add-ons it can vary in rate.

Did you know?
In 2025, policyholders under 30 receive almost 17 percent reduced premiums than policyholders of 35 to 64 when purchasing digitally and choosing wellness programs.

What Are the Plans Pro and Con?

Oriental Youth Eco Basic Plan

Pros:

• The cheapest among students and single people.
• Step incentives and wellness.
• Easy claim form in an app.

Cons:

• Limited to younger age group.
• None of global coverage or maternity cover.

Royal Sundaram Next Gen Plan

Pros:

• Huge sum insured range, which suits future requirements.
• Numbers of maternity and newborn.
• None of the claim bonus and sum awarded when used.

Cons:

• Increased rates after 35 years.
• Maternity and critical illness waiting period.

People also ask:
Q: Which scheme suits better a person, who is to marry or have family?
A: Royal Sundaram Next Gen Plan, owing to maternity and newborn cover with optating add-ons.

What Is the Comparison of Claims Process and Turnaround Times?

• Oriental Youth Eco: 100% online, post documents on a smartphone, the average TAT is 3-5 business days, special young customer service office.
• Royal Sundaram Next Gen: 24/7 WhatsApp claims, finance intimation, claim tracking, 4 days cashless average claim TA, 6 days reimbursement average claim TA.

Real-World Example
At [?]4,400, Ritika, a 27 years old MBA student in Pune, purchased the Oriental Youth Eco Basic Plan online which covers [?]5 lakhs. She was admitted in hospital due to sports injury. She was paid [?]3.2 lakhs using the app in less than four days. Under the Royal Sundaram Next Gen Plan, her friend Nikhil had the amount insured to cover additional treatments and was claimable by his spouse who was admitted to the maternity hospital the same year.

Did you know?
Over three-quarters of urban policy buyers in 2024-25 made claims electronically, with an average of two working days saved on a case as compared to older and more manual methods.

What Is the Difference between Customer Support and Digital Access?

• Oriental Youth Eco: Chatbot and helpline to questions among the youth, WhatsApp support, a 24/7 telemedicine appointment, minor illnesses.
• Royal Sundaram Next Gen: Customer dashboard, policy market place, side-by-side product comparison and in-app health check scheduler.

Case Study
The online insurance aggregator was used to compare both plans by a Bangalore-based startup owner, which made the difference between them clearer and provided multiple quotes offered by different insurers simultaneously. She appreciated round-the-clock online support to professionals who are in a hurry.

People also ask:
Q: Am I able to compare Oriental and Royal Sundaram plans with others on-line?
A: Yes, the top online marketplaces allow you to compare features, price, and offers of dozens of insurers, at the same dashboard.

Who Must Select this or that Plan in 2025?

Chronic Disease, OPD and Wellness Coverage 2025

• Oriental: No routine OPD, wearable tracking as the reward of wellness, wellness is encouraged with Gen Z.
• Royal Sundaram: Add-ons: optional OPD and critical illness, tele consultations, chronic disease covers.

TL;DR or Quick Recap

• Oriental Youth Eco Basic Plan is the most convenient option of singles and low-end under-30s: it is inexpensive, digital-only, and health conscious.
• Royal Sundaram Next Gen Plan is more flexible, has more features, and a larger sum insured, but at a higher cost. It suits couples, families and individuals seeking global treatment and maternity benefits.

FAQs: People Also Ask

Q: Which is the better plan in case of a single, healthy 24 year old?
A: Oriental Youth Eco Basic Plan, due to its low premiums and wellness.

Q: Is Royal Sundaram Next Gen Plan international medical expense?
A: Yes, on selected treatments in more variants.

Q: Does it have any waiting period on maternity cover?
A: Yes, on Royal Sundaram Next Gen Plan, (usually) 3 years.

Q: Are both plans able to be bought and administered on-line?
A: Yes, both the plans can be found on the leading digital marketplaces that enable convenient comparison and service of the policies.

Q: Are online marketplaces better in prices and offers?
A: Yes, very often, purchasing via online insurance platforms would offer discounts, exclusive wellness offers and a clearer picture of rival goods next to each other.

Final Thoughts

The correct health insurance is very customized. When comparing Oriental Youth Eco Basic Plan and Royal Sundaram Next Gen Plan, you must consider your age, lifestyle, financial objectives and future family plans. Compare and interact online policy marketplaces to choose and experience digital seamlessly in 2025.

Sources:

• Preference wellness statistics: ET Health World Survey 2025.
• Urban consumer buying behavior of insurance: FICCI Consumer Survey 2025.