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Last updated on: May 20, 2025
The Reliance Health Gain Plan and Royal Sundaram Next Gen Plan are both comprehensive health insurance options in India, but they differ in key aspects. Reliance Health Gain Plan offers multiple sum insured options, customizable add-ons (like double cover and accidental benefits), annual health check-ups, and no-claim bonus benefits. It is well-suited for families and individuals seeking flexible coverage. Royal Sundaram Next Gen Plan, on the other hand, provides extensive maternity and newborn benefits, worldwide emergency cover, and unique features like unlimited reinstatement and wellness rewards. Its wide range of cover options caters to young families and those seeking global protection. While Reliance focuses on flexibility and affordability, Royal Sundaram emphasizes extensive coverage and additional wellness perks. Choosing between them depends on your requirements—opt for Reliance for modular flexibility and competitive pricing, or Royal Sundaram for superior added benefits and global coverage.
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Read BioIt is important to choose a health insurance plan that best suits you and the costs of health in India have been increasing. The Reliance Health Gain Plan and the Royal Sundaram Next Gen Plan are two health insurance plans that are attracting attention in 2025. They are both broad-based health policies, with special benefits to individuals and families. However, which one can you rely on to keep your loved ones healthy?
This review will provide the answer to that by directly comparing the two popular products in terms of coverage, features, flexibility, costs, etc. on the basis of updates in 2025.
Reliance General Insurance launched and updated the Reliance Health Gain Plan, which is a tailor-made health insurance offering in the Indian market. It is reputed to have flexible options, add-ons, fast claim settlement and coverage of a broad selection of medical conditions, including modern procedures.
The Royal Sundaram Next Gen Plan is a new health policy of Royal Sundaram General Insurance.. It is to meet the modern health care requirements, by the provision of the flexible sum insured, the embedded wellness schemes, and the global coverage, in order to bring the additional security of the family and the individual.
Several plan types: Active, Enhance and Prime to fit different requirements.
Sum insured: Rs. 3 lakhs to 1 crore.
Includes the use of modern surgeries such as robotic surgeries.
All members of the insured can have annual health checkups.
Wellness benefits and years of free service bonus.
Pre and post-hospitalization (up to 60 and 180 days) insurance.
Maternity and newborn baby cover (select variants)
The reload of the sum insured on future claims.
Large variety of sum insured: Rs. 5 lakhs to 2 crores.
3 model versions: Elite, Supreme and Classic.
International inpatient cover on select diseases.
Without sublimits, inpatient treatment as well as daycare treatment.
Sum insured restored to 100 percent.
Extensive fitness and health coach benefits.
Maternity and infertility treatment coverage (choices offered)
Globe-wide general emergency hospitalization cover.
Expert opinion: By 2025, the number of insurers who are providing digital wellness support and sum insured restoration is bound to increase due to the growing demand of customers seeking holistic treatment.
Reliance General Insurance is the provider of over 8,600+ cashless hospitals in India (2025 figures).
By the year 2025, Royal Sundaram has expanded its network of hospitals to 11,000+ and has enhanced coverage in tier two and tier three cities.
A/S B Reliance Health Gain Plan Royal Sundaram Next Gen Plan
| A/S B | Reliance Health Gain Plan | Royal Sundaram Next Gen Plan. |
|---|---|---|
| Plan versions | 3 (Active, Enhance, Prime) | 3 (Classic, Supreme, Elite) |
| Sum Insured | 3 lakh -1 crore | 5 lakh-2 crores |
| Network Hospitals | 8,600+ | 11,000+ |
| Pre & Post Hospitalization | 60 / 180 days | 60 / 180 days |
| Modern Treatments | Yes | Yes |
| Wellness Rewards | Yes | Yes (more detailed program) |
| Maternity & Newborn | Yes (with variants) | Yes (with variants) |
| Worldwide/Global Cover | Limited | Yes (select sum insured) |
| Sum Insured Restoration | Yes | Yes (100 percent) |
| Annual Health Checkup | Yes (all members) | Yes (family as well) |
Did you know? According to the studies in the industry journals, the Next Gen Plan of Royal Sundaram was one of the first Indian policies in 2024, that provided a dedicated health coach as a preventative care option.
Premiums are based on age, sum insured, family makeup, add-ons and city. Below is an example of an average premium (insurance is taken by a family of 2 adults + 1 child aged 30, and is not a smoker, living in Mumbai):
| Sum Insured | Reliance Health Gain (Prime, Rs.) | Royal Sundaram Next Gen (Elite, Rs.). |
|---|---|---|
| 5 lakhs | 20,200 | 22,000 |
| 10 lakhs | 27,000 | 28,800 |
| 30 lakhs | 41,000 | 44,500 |
| 1 crore | 66,000 | 72,000 |
The annual rates are representative of premiums and can fluctuate depending on the profile individual and the discounts.
Co-pay is typically not required at Reliance Health Gain among adults who are under 60 years. Co-pay can be 20 per cent to senior citizen applicants.
Royal Sundaram Next Gen also does not charge a default co-pay, but some of the options may impose a co-pay on older applicants or some of the types of treatment.
People also ask:
Is sum insured restoration unlimited?
Not unlimited, but enables you to claim again on a new sickness after the sum insured base has been utilized during the policy year as per the terms of the product.
Common Exclusions
Waiting periods (waiting period charges are paid, usually 2-4 years)
Non medically necessary cosmetic surgeries.
OPD charges (unless in add-ons)
Traumatic injuries, poverty or substance abuse.
Treatments that are not proven or experimental.
Some dental, hearing and vision costs.
Unique Points
Royal Sundaram Next Gen will limit the global cover to higher sum insured, (usually above 50 lakh and only to a few illnesses), whereas, in case of emergency abroad, the global cover in Reliance Health Gain will be limited.
The two plans include AYUSH treatments but Royal Sundaram provides higher AYUSH benefits on its Supreme and Elite plans.
Pro tip: You should always read the policy terms and seek assistance when comparing exclusions on reliable online insurance markets before purchasing any insurance.
Affordable entry premium
Ability to select and upgrade add-ons.
Wide network cashless facility.
Additional coverage with reload benefit.
Simple co-pay and claim rules
Frequent wellness and telemedicine reward schemes.
Reduced maximum sum insured as compared to Royal Sundaram.
There is no global cover comprehensiveness.
Increased co-payment to the older applicants.
Certain add-ons are costly when it comes to premium features.
Huge sum insured options, of up to 2 crore that can be used by a well-to-do or NRI household.
Extended international coverage and emergency care in all parts of the world.
Vast wellness and digital health initiatives.
Return of sum insured to 100 percent.
No sublimit on disease wise or room rent on Elite variant.
A little increased opening premium.
High features are mostly found on the higher variants.
There can be some categories of co-payments.
Worldwide cover under different terms.
People also ask:
Which one is more flexible to the family size/parents?
Individual and floater are permitted in both policies. Royal Sundaram takes up to 19 family members, hence it suits joint families. On some plans, Reliance provides flexible child inclusion and parent inclusion.
Did you know?
According to an industry magazine survey, more than 60 percent of urban families would choose higher sum insured policies with global coverage after the pandemic.
Neha is a 32 year old IT manager in Pune who prefers to be covered by a health insurance plan with at least 10 lakh cover, maternity and easy cashless accessibility.
She juxtaposed the two plans on one of the best online aggregators.
Reliance Health Gain was providing Rs. 10 lakh cover at a premium of Rs. 27,200 with maternity cover as an option.
Royal Sundaram Next Gen Elite was offering the same at Rs. 28,800 with a wider wellness program and IVF up to sanctioned limits.
Neha has chosen Royal Sundaram Next Gen due to its wider global cover and value-adds at a slightly higher premium. She could access wellness benefits such as online doctor appointments and bookings of annual check-ups directly through the app offered by her insurer.
Characteristics Reliance Health Gain Plan Royal Sundaram Next Gen Plan.
| Characteristics | Reliance Health Gain Plan | Royal Sundaram Next Gen Plan. |
|---|---|---|
| Hospital Network | 8,600+ | 11,000+ |
| Maternity benefits | Optional | Enhanced (with infertility add-on) |
| Global coverage | Limited | On high sum insured only. |
| Wellness / Health Coach | App-based (basic) | Personalized program. |
| Telemedicine | Yes | Yes |
| Room Rent | No sublimit (on prime) | No sublimit (on elite) |
| Restoration | Yes | Yes (up to 100 percent) |
| Pre-existing Wait | 3 years (average) | 2 to 4 years (depending on illness) |
| Cumulative Bonus | 33 percent to 100 percent | 20 percent to 100 percent |
Budget-friendly families: Reliance Health Gain is a little less expensive across most sum insured groups.
Global citizens or NRIs Royal Sundaram Next Gen Elite provides extended international hospitalization.
Joint families or extended parents: The floater policy of Royal Sundaram favours more members.
New wellness customers: Royal Sundaram Next Gen is a dominant in wellness, digital health, fitness and rewards.
Pure hospitalization insurance: The two plans are counter-parted, sum insured and restoration benefits are put to a comparison.
People also ask:
Am I allowed to renew my health insurance cover annually?
Yes, a majority of the policies that contain them can now be upgraded to a higher sum insured on renewal. You may need to take a new health examination or waiting before some preexisting diseases.
Expert opinion: The best online insurance marketplaces of 2025 provide useful services to compare not just cover and network, but also the value of wellness benefits, premium discounts, and claim settlement trends across companies in a single screen.
They both have cashless, complete hospitalization and new age treatment.
Global cover, increased sum insured and digital wellness are the distinguishing features of Royal Sundaram Next Gen.
Reliance Health Gain is cheaper to average income insurance purchasers.
Compare based on premium, family and hospital network needs.
Need tailored quotes?
Get the most up to date discounts, eligibility requirements, and comprehensive coverage alongside two plans or more with a reliable internet-based resource to compare before you purchase.
Q1: Reliance Health Gain Plan or Royal Sundaram Next Gen Plan- which is better as far as seniors are concerned?
Both are senior coverage plans, however, the premium and co-payment policy might vary. Quotes per-case and facility networks. Royal Sundaram favors additional age.
Q2: Is Royal Sundaram Next Gen Plan cashless in all parts of India?
Yes, there are over 11,000 network hospitals through which cashless claims are handled in India.
Q3: Do the two plans include maternity and newborns?
Yes, but in most cases as an add-on, and with waiting periods. Royal Sundaram regularly pays infertility procedures under bigger plans.
Q4: Could it be possible to change my present policy to any of these plans?
As stipulated by the IRDAI, portability is permitted. You need to apply at least 45 days prior to the due date; the insurer could accept it or not and conduct the health checks.
Q5: Which developed diseases are in the two policies?
Waiting period is 2 to 4 years, depending on the variant of policy.
Q6: Which is a superior plan on high-value sums of more than Rs. 50 lakhs?
Royal Sundaram Next Gen has a greater premium over 50 lakh with global or wellness cover.
Q7: What can I do to compare quotes and details of both plans together?
Use reputable online markets - they offer up-to-date rates, hospital networks, perks and ratings of all major insurers in a single window so that you can easily pick the policy of your choice.
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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