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Last updated on: September 22, 2025
Reliance Arogya Sanjeevani Plan and Royal Sundaram Next Gen Plan are both popular health insurance policies in India, but they cater to different needs. The Reliance Arogya Sanjeevani Plan is a standardized, affordable health insurance policy mandated by IRDAI, offering basic coverage for hospitalization, pre- and post-hospitalization, and daycare procedures, usually with sum insured options from ₹1 lakh to ₹5 lakh. In contrast, the Royal Sundaram Next Gen Plan provides a wider range of customizable features, higher sum insured options, added benefits like maternity cover, wellness programs, and coverage for modern treatments, making it suitable for individuals seeking comprehensive protection. If you need basic, budget-friendly coverage, Reliance Arogya Sanjeevani is ideal; for broader coverage and more add-ons, Royal Sundaram Next Gen is the better choice.
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The choice of the appropriate health insurance is also an important issue to families and individuals in India because the prices of healthcare are ever-increasing. Reliance Arogya Sanjeevani Plan and Royal Sundaram Next Gen Plan are two plans that have frequently been compared in a bid to choose the best one due to the numerous plans offered. They are both trendy in 2025, and each has its advantages and coverage opportunities, as well as peculiarities.
This step-by-step instruction will make you distinguish between these two policies, compare major peculiarities, advantages, and disadvantages, and present a definite decision in order to make yourself or your family make a good choice.
Reliance Arogya Sanjeevani Plan is regular health plan which is accepted by IRDAI and provided by Reliance general insurance. It is destined to make simple hospitalisation cover easy, cheap and available to a big segment of Indians.
This policy caters to adults aged 18 to 65 years and will offer you an opportunity to insure your spouse, dependants children and even parents under one policy. It is inclusive of a large portion of hospitalisation cost, surgeries and day care treatments.
Royal Sundaram Next Gen Health insurance plan is an all inclusive medical insurance cover targeting the demands of young professionals, families and new age individuals in 2025. Next Gen has wider coverage, more benefits, and optional ones in comparison with basic plans.
Anyone with the age group between 18 and 65 years is eligible to take it, and may have self, spouse, children, and parents. Policyholders will have the option to choose sum insured according to the necessity and can choose value added riders of maternity, OPD among other advanced features.
Did you know?
All the health insurance products are provided by the Insurance Regulatory and Development Authority of India (IRDAI) to make sure that they have the minimum standards of transparency and coverage.
Reliance Arogya Sanjeevani Plan
Royal Sundaram Next Gen Plan
| Products | Reliance Arogya Sanjeevani | Royal Sundaram Next Gen |
|---|---|---|
| Entry Age (Years) | 18 to 65 | 18 to 65 |
| Sum Insured (INR) | 1L to 5L | 2L to 1C |
| Day Care Procedures | 50 | All Day Care |
| Pre Hospitalisation | 30 days | 60 days |
| Post Hospitalisation | 60 days | 180 days |
| Room Rent Limit | Yes (2 percent limit) | To single private room |
| AYUSH Therapy | Yes | Yes (higher limit) |
| Maternity Cover | No | Optional add on |
Regular plans such as Arogya Sanjeevani are fixed plans according to IRDAI regulations with reduced sum insured whereas comprehensive plans such as Next Gen give large cover values, additional features as well as flexible benefits.
Pros
Cons
Policyholder knowledge:
Reliance Arogya Sanjeevani is a stepping-stone cover in the event of policyholders under 40 years old with no dependents before they upgrade to a wider cover in future.
Pros
Cons
Did you know?
Royal Sundaram Next Gen Plan comes with wellness programs and telemedicine consultation services which helps policyholders to remain proactively healthy.
Calculation of the premium will rely on the age, sum insured, type of coverage (individual or floater) and the add-ons.
| Age & Type of coverage | Reliance Arogya (5L SI, Individual) | RS Next Gen (10L SI, Individual) |
|---|---|---|
| 30 years (Individual) | Rs 5,500 to Rs 7,800 | Rs 8,200 to Rs 10,100 |
| 30 (Family of 4) years | Rs 13,000 to Rs 17,000 | Rs 18,500 to 25,000 |
| 45 years (Personal) | Rs 10,700 to Rs 15,000 | Rs 16,000 to Rs 21,000 |
| 45 years (Family 4) | Rs 27,000 to 32,000 | Rs 37,000 to 44,000 |
Note: The indicative premiums may be subject to change depending on the location, health status and policy term.
Can we increase sum insured at a later point in such plans?
Yes, the two plans can be enhanced by sum insured at renewal however in Royal Sundaram next gen it may need health declaration or medical examination.
Insider knowledge:
It is always prudent to review the insurers claim settlement ratio and customer ratings before making a claim to experience an easier time ahead.
Reliance Arogya Sanjeevani
Royal Sundaram Next Gen
| Feature | Arogya Sanjeevani | Reliance Next Gen |
|---|---|---|
| Maternity Benefit | No (Add-on) | Yes |
| OPD Cover | No | Yes (Add-on) |
| Wellness Programs | No | Yes |
| Annual Health Check-up | No | Yes |
| Personal Accident Cover | No (Add-on) | Yes |
| Global Emergency | No | Yes (Add-on) |
Yes, they both cover pandemics such as COVID-19 as per the IRDAI guidelines. Nevertheless, sub-limits, and similar terms can vary according to new diseases.
The most effective health policy that you can have is based on the family size, expected medical requirements, and future financial considerations. Reliance Arogya Sanjeevani is the choice to go with in case of simple and affordable health insurance. Choose Royal Sundaram Next Gen Plan when you would like to have wide coverage, add-ons and when you are ready to pay some extra premium to have far-reaching benefits and security.
I want to transfer my health insurance with Reliance to Royal Sundaram?
Yes, according to the IRDAI guidelines, the portability in health insurance includes credit on waiting periods, but it has to be approved by underwriting.
Do the two plans include pre-existing conditions?
Yes but there is waiting (typically 2 to 4 years) to pre-existing conditions being covered - see individual policy brochures on exact waiting periods.
Are the two policies inclusive of day care treatments?
They both provide coverage of day care, but Royal Sundaram Next Gen covers all day care procedures whereas Reliance Arogya Sanjeevani covers the day care up to 50 types as stated.
What is the policy with better network hospitals?
Compared to Reliance, Royal Sundaram is associated with an even bigger number of hospitals in 2025, yet it also contracts with well-known hospitals to make cashless claims.
What about tax benefits?
Both policies allow payment of premiums that are deductible under Section 80D of the Income Tax act.
Am I able to purchase these policies in 2025 online?
Yes, insurance companies have convenient and fast internet application and renewal of respective health insurance plans.
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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