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Niva Bupa Aspire (Titanium+) with Disease Management Rider vs Royal Sundaram Multiplier
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Niva Bupa Aspire (Titanium+) with Disease Management Rider vs Royal Sundaram Multiplier
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Compare Niva Bupa Aspire (Titanium+) with Disease Management Rider and Royal Sundaram Multiplier
Claims Track Record:
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:
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:
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.