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Bajaj Allianz Health Guard (Platinum) vs Royal Sundaram Multiplier
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Bajaj Allianz Health Guard (Platinum) vs Royal Sundaram Multiplier
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Bajaj Allianz Health Guard (Platinum) with similar Health Insurances
Royal Sundaram Multiplier with similar Health Insurances
Compare Bajaj Allianz Health Guard (Platinum) and Royal Sundaram Multiplier
Claims Track Record:
Bajaj Allianz Health Guard (Platinum)
Bajaj Allianz General Insurance Company Limited boasts an impressive claims track record. It has a claim settlement ratio of 92.06% and a claims incurred ratio of 84.96%. Even more noteworthy is its ability to resolve 99.44% of claims within just 30 days. Compared to other insurers, Bajaj Allianz has received fewer complaints related to claims.
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:
Bajaj Allianz Health Guard (Platinum)
In terms of customer service, Bajaj Allianz General Insurance Company Limited offers support via a toll-free helpline and its Twitter handle. However, their response time on these platforms tends to be average.
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:
Bajaj Allianz Health Guard (Platinum)
The Bajaj Allianz Health Guard (Platinum) Plan provides comprehensive coverage. This plan covers a wide range of hospitalisation costs. Pre-hospitalisation expenses are taken care of for up to 60 days before you're admitted, while post-hospitalisation costs are covered for up to 90 days after discharge, all up to the sum insured. In addition, the policy includes coverage for all day care treatments, with a range of up to 399 treatments. It also covers organ donation procedures and modern treatments, all up to the sum insured. It does not cover any non-medical expenses and domiciliary treatment.
With the Bajaj Allianz Health Guard (Platinum) Plan, you can opt for any room without worrying about room rent limits, and there's also no cap on ICU rent or a deductible to consider. However, if you prefer, you can choose an optional copayment of either 10% or 20%, giving you control over your contribution. The plan doesnāt have any restrictions on common medical treatments or surgeries, including joint replacements, which are covered up to the sum insured. Cataract treatments are covered up to 20% of the sum insured per eye, capped at Rs. 1 lakh.
Itās important to be aware of the waiting periods: pre-existing diseases have a waiting period of 36 months, while specific diseases are subject to a waiting period of 24 months, with some conditions extending to 36 months.
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., donāt come with sub-limits and thereās 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.