Health Insurance comparison
Care Health vs Royal Sundaram
Care Health leads on overall score, but the better choice depends on your priorities. Here is how they compare, dimension by dimension.
IRDAI figures side by side
| Measure | Care Health | Royal Sundaram |
|---|---|---|
| Claim settlement ratio (latest year)Claims paid out of claims decided, by number. 95% or more is strong; below 90% is a flag. | 96.85% in FY 2024-25 | Not available |
| Claims counted in that yearBelow 1,000 claims, the ratio swings too much to compare. Each insurer's review names the exact IRDAI table used. | 14,86,706 reported, 14,36,282 paid | Not available |
| Three-year average claim settlement ratioShown only when all three years are available. | 93.38% | Not available |
| Incurred claims ratioClaims incurred as a share of premium earned, from IRDAI's Annual Report. | 65.10% in FY 2024-25 | 97.20% in FY 2024-25 |
| Complaints to IRDAIGrievances reported, from IRDAI's Handbook. | 10,281 in FY 2024-25, 69.2 per 10,000 claims | 1,052 in FY 2024-25, 28.4 per 10,000 claims |
| Solvency ratioIRDAI's minimum is 1.50. | 1.68 at 31 Mar 2025 | 2.20 at 31 Mar 2025 |
Sources: IRDAI Handbook on Indian Insurance Statistics 2024-25, IRDAI Annual Report 2024-25 and insurers' NL-37 public disclosures. Each insurer's review lists the exact table and link. See how we calculate these.
Side-by-side scores
| Dimension | Care Health | Royal Sundaram | Winner |
|---|---|---|---|
| Overall score | 8.1/10 | 7.7/10 | Care Health |
| Claim settlement | 8.2/10 | 7.4/10 | Care Health |
| Value | 8.3/10 | 7.8/10 | Care Health |
| Customer service | 7.4/10 | 7.5/10 | Royal Sundaram |
| Digital experience | 7.9/10 | 7.5/10 | Care Health |
| Flexibility | 8.4/10 | 8/10 | Care Health |
Care Health
8.1/10Strong product options and a 96.9% claim settlement ratio in FY 2024-25, but complaints per claim run well above our benchmark.
Pros
- Good restoration benefits
- No claim bonus up to 150%
Cons
- 69.2 complaints per 10,000 claims in FY 2024-25, above our benchmark of 40 for standalone health insurers
- Co-payment clause on senior citizen plans
Royal Sundaram
7.7/10Private insurer with strong Lifeline plans and good family-cover choices.
Pros
- Strong Lifeline lineup
- High-cover Elite option
- Good listed hospital network
Cons
- Global benefits may add cost without everyday value
- Classic variant can be too small
- Health claim settlement ratio not yet verified; FY 2024-25 health ICR was 97.2% (IRDAI Handbook Table 62)
The verdict
On our scoring, Care Health edges ahead overall. That said, the loser may still win for you on a dimension you weight heavily, so match the table above to your priorities and read both full reviews.