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Care Insurance Care vs Royal Sundaram Multiplier
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Care Insurance Care with similar Health Insurances
Royal Sundaram Multiplier with similar Health Insurances
Compare Care Insurance Care and Royal Sundaram Multiplier
Claims Track Record:
Care Insurance Care
Care Health Insurance Company has a claim settlement ratio of 85.64% and a claims incurred ratio of 56.19%. It has settled 99.99% of claims within 30 days. Furthermore, it has a high complaint rate related to claims, as compared to other insurers.
Royal Sundaram Multiplier
Royal Sundaram General Insurance Company Limited has a claim settlement ratio of 64.53% and claims incurred ratio of 92.30%. It has settled 99.87% of claims in less than 30 days. The company has received fewer complaints related to claims as compared to other insurers.
Service Experience:
Care Insurance Care
Care Health Insurance Company provides customer support through its toll-free helpline and Twitter channel. While the toll-free response time is quick, their Twitter response time is comparatively slower. Therefore, if you need an immediate response, using the toll-free number might be the preferable choice.
Royal Sundaram Multiplier
Royal Sundaram General Insurance Company Limited offers customer service via its toll-free number and Twitter account. Based on our research, the Twitter response rate is slow, and the toll-free response rate is slow as well. You may encounter difficulties when trying to seek help from the team.
Product Benefits:
Care Insurance Care
The Care Insurance Care Plan offers comprehensive coverage, encompassing hospitalisation expenses, pre-hospitalisation, and post-hospitalisation costs. Pre-hospitalisation expenses are covered for up to 30 days before hospitalisation, while post-hospitalisation expenses are covered for up to 60 days after discharge, all up to the sum insured. Furthermore, the policy covers 541 day care treatments along with modern treatments, both up to the sum insured. Domiciliary treatments (except 12 illnesses) are covered up to 10% of the sum insured and organ donor expenses related to harvesting the organ are covered up to Rs 1 lakh. Consumables are also covered up to the sum insured. With the Care Insurance Care Plan, you can choose only up to a single private AC room during your hospital stay. There is no ICU rent limit or deductible limit. However, there is a 20% copayment for individuals aged 61 years and above. The policy does not impose any restrictions on common treatments or surgeries, such as cataract treatment, joint replacement surgery, etc. Under this plan, the waiting period for pre-existing diseases is 24 months if you choose an add-on, and specific diseases also have a 24-month waiting period.
Royal Sundaram Multiplier
As part of the Royal Sundaram Multiplier Plan, hospitalisation expenses as well as pre and post-hospitalisation expenses are covered. Pre-hospitalisation expenses are covered for 60 days before hospitalisation and post-hospitalisation expenses are covered for 90 days after discharge, both up to the sum insured. Additionally, the plan covers all day care treatments, domiciliary treatments, inpatient organ donor expenses, and modern treatments up to the sum insured. Furthermore, consumables are covered up to Rs 50,000 if you opt for an add-on. The Royal Sundaram Multiplier Plan comes with no room rent and ICU rent limits. Common treatments/surgeries like cataract treatments, joint replacement surgeries, etc., don’t come with sub-limits and there’s no imposed deductible. However, the plan levies a copay of 5%, 10%, 15%, or 20% as an option. The Royal Sundaram Multiplier Plan has a waiting period of 36 months for pre-existing diseases and a waiting period of 24 months for specific diseases.