Royal Sundaram Health Insurance
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Overview of Royal Sundaram Health Insurance
Royal Sundaram Health Insurance is offered by Royal Sundaram General Insurance Co. Limited. The company started by Sundaram Finance in a joint venture with a few Indian shareholders in October 2000. Moreover, it is the first private sector general insurance provider in India and provides several health insurance plans to customers with different needs.
The Royal Sundaram General Insurance Co. offers a simple and convenient claim process with a focus on settling the claims promptly. Moreover, the insurance company has earned an incurred claim ratio of 90.22% in the year 2021-22.
Choose Royal Sundaram Health Insurance Coverage of Your Choice
Royal Sundaram Health Insurance Plans
Royal Sundaram health insurance plans provide medical coverage for a wide range of medical expenses resulting from an accident or illness. Take a look at the list of health insurance plans offered by the Royal Sundaram General Insurance Co. below:
For individuals/ family
For family
Plan name
Royal Sundaram Hospital Cash Insurance Plan
For daily hospital cash
For critical illness
*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C apply.
View more plansRoyal Sundaram Health Insurance Plans in Detail:
Royal Sundaram Lifeline Insurance Plan
Royal Sundaram Lifeline Insurance is a comprehensive health insurance plan designed to cover the unforeseen medical expenses of the insured. The plan offers a sum insured ranging from Rs 2 lakh to Rs 1.5 crore and is available in three types – Classic, Supreme and Elite.
Features & Benefits:
- In-patient hospitalization, OPD treatment and domiciliary hospitalization are covered
- International treatment and the second opinion for 11 listed critical diseases are available
- Emergency domestic evacuation and worldwide emergency hospitalization are covered
- Maternity benefit with newborn baby cover and animal bite vaccination cover are available
- Free health check-up facilities are available
- No claim bonus for every claim-free year and 100% reload of the sum insured are available
- Hospital cash, IVF treatment, bariatric surgery and mobility devices cover are available as add-ons
Royal Sundaram Family Plus Plan
Royal Sundaram Family Plus is a family health insurance plan that covers the medical expenses of up to 19 family members under a single policy. It comes with a sum insured ranging from Rs 2 lakh to Rs 50 lakh.
Features & Benefits:
- Coverage for in-patient care, pre-hospitalization and post-hospitalization are available
- Emergency domestic evacuation and second opinion for 11 critical illnesses are covered
- Maternity benefit and nutritional allowance for mothers post-delivery discharge are available
- Free health check-up facility is available at each renewal
- 20% no claim bonus for up to 100% is available for every claim-free year
- 100% reload of the sum insured is available
- Hospital cash benefit is available as an add-on cover
Royal Sundaram Health XS and Super Health XS Plan
Royal Sundaram Health XS and Super XS plan is a top-up insurance plan designed to provide financial support to the insured in case the sum insured limit of the base policy has been exhausted. It comes with a mandatory deductible ranging from Rs 1 lakh to Rs 5 lakh for a sum insured ranging from Rs 2 lakh to Rs 15 lakh.
Features & Benefits:
- Coverage for hospitalization expenses, including pre & post-hospitalization, are available
- Modern treatments and day care treatments are covered
- Hospital cash benefit is also available
- Medical examination costs and ambulance charges are covered
- Accidental death benefit is available as a rider
- No medical examination is required for up to 35 years
Royal Sundaram Critical Illness Lumpsum Plan
The Royal Sundaram Critical Illness Lumpsum plan provides coverage for 9 critical illnesses that can create a financial burden on the policyholder. The sum insured ranges from Rs 25,000 to Rs 25 lakh under this plan.
Features & Benefits:
- Lump sum payment is made on the diagnosis of the disease
- No pre-policy medical examination is required for up to 30 years
- A 30 survival period of 30 days is also applicable
Royal Sundaram Multiplier Health Insurance Plan
The Royal Sundaram Multiplier Health Insurance plan provides comprehensive medical coverage to the insured for emergency and planned medical conditions. It comes with a sum insured ranging from Rs 5 lakh to Rs 25 lakh
Features & Benefits:
- In-patient care, AYUSH treatment and domiciliary hospitalization are covered
- Emergency domestic evacuation and animal bite vaccination cover are available
- Second opinion for 22 critical illnesses as well as ambulance charges, including app-based cabs, are covered
- 100% flexi-reload benefit and annual health check-up facilities are available
- 4X multiplier benefit and PED coverage from 2nd year are available
- 20% no claim bonus for up to 100% is available for every claim-free renewal
- ABCD benefit, hospital plus and voluntary co-payment are available as optional covers
Royal Sundaram Hospital Benefit Plus Insurance Plan
The Royal Sundaram Multiplier Health Insurance plan provides comprehensive medical coverage to the insured for emergency and planned medical conditions. It comes with a sum insured ranging from Rs 5 lakh to Rs 25 lakh
Features & Benefits:
- Hospital confinement benefit is paid for each day of accidental & sickness hospitalization
- Trice the daily allowance amount is paid for ICU hospitalization
- Convalescence benefit is paid for hospitalization of more than 21 days
- Coverage for accidental death and permanent total disablement are available
- No medical examination is required to buy this policy
- 5% no claim bonus for up to 25% is granted if no claims are raised
Royal Sundaram COVID Secure Plan
The Royal Sundaram COVID Secure plan provides financial coverage to people diagnosed positive for the COVID-19 disease. It is available for a sum insured of Rs 25,000 and Rs 50,000.
Features & Benefits:
- Lump sum payment is made upon getting diagnosed with COVID-19
- Both in-patient hospitalization and home/institutional quarantine are covered
- A waiting period of 30 days is applicable
Royal Sundaram Surgical Shield Insurance Plan
Royal Sundaram Surgical Shield Insurance is a customized plan designed to provide coverage for surgical medical treatments. It offers a maximum sum insured of Rs 3 lakh.
Features & Benefits:
- Coverage for 100 surgical treatments are available
- Emergency ambulance charges and the cost of diagnostic tests are covered
- Hospital cash for each day of hospitalization is available
- Waiting period of 90 days to 2 years is applicable depending on the surgery
Royal Sundaram Income Protector Plus Plan
The Royal Sundaram Income Protector Plus plan provides financial support to the insured in case he/she meets with an accident anywhere across the world. The sum insured ranges from Rs 2 lakh to Rs 32 lakh under this plan.
Features & Benefits:
- Accidental death and permanent total/partial disablement are covered
- Monthly income benefit and recovery benefit are available
- Accidental hospitalization and transportation of mortal remains expenses are covered
- Educational grant is also provided
- 5% cumulative bonus for up to 25% is payable on every claim-free renewal
Royal Sundaram Multiplier Health Insurance Plan
The Royal Sundaram Secure All plan provides medical coverage to the insured in case of a health emergency. The sum insured ranges from Rs 1.5 lakh to Rs 5 lakh under this plan.
Features & Benefits:
- Hospitalization expenses and modern treatments are covered
- Recovery benefit and hospital cash benefit are available
- Worldwide personal accident cover is also available
- 5% cumulative bonus for up to 50% is granted on every claim-free renewal
Royal Sundaram Advanced Top Up Health Insurance Plan
The Royal Sundaram Advanced Top Up Health Insurance plan provides extensive medical coverage to the insured with an in-built deductible. While the sum insured ranges from Rs 10 lakh to Rs 95 lakh, the deductible varies from Rs 5 lakh to Rs 25 lakh.
Features & Benefits:
- In-patient care, modern treatments and day care treatments are covered
- Home care treatment, domiciliary hospitalization and AYUSH cover are available
- Cost of ambulance services, including app-based cabs, is covered
- Life protect benefit and the second opinion for critical illnesses are available
Royal Sundaram Smart Cash Plan
The Royal Sundaram Smart Cash plan provides a daily allowance to the insured to cover incidental expenses incurred during hospitalization. The sum insured of this plan varies from Rs 500 per day to Rs 10,000 per day. Besides, the plan is divided into three types – Silver, Gold and Platinum.
Features & Benefits:
- Domestic and international hospital confinement benefit is paid
- Twice the benefit is paid in case of accidental hospitalization
- Joint accidental hospitalization and convalescence benefit are paid
- Childbirth benefit, PED benefit and health check-up benefit are available
- Intensive care benefit, parental accommodation benefit and emergency family member visit benefit are also available
- Personal accident benefit is available as an optional cover
Royal Sundaram Personal Accident Care Platinum Insurance Plan
The Royal Sundaram Personal Accident Care Platinum Insurance plan provides worldwide coverage to the insured in case of an accident. It comes with a sum insured of Rs 10 lakh and Rs 25 lakh.
Features & Benefits:
- Accidental death and permanent total disability are covered
- Monthly income benefit and educational grant are available
- Accidental hospitalization expenses and the cost of transporting the mortal remains are covered
- 5% cumulative bonus for up to 25% is paid in case of no claims
Royal Sundaram Personal Accident Care Gold Insurance Plan
The Royal Sundaram Personal Accident Care Gold Insurance plan covers the insured against accidental injuries that may lead to a major financial burden. It offers a sum insured of Rs 10 lakh and Rs 20 lakh.
Features & Benefits:
- Coverage for death resulting from an accident are available
- Permanent total disability due to accidents is also covered
- 5% cumulative bonus for up to 25% is available for every claim-free renewal
Royal Sundaram Surgicare Insurance Plan
The Royal Sundaram Surgicare Insurance plan protects the insured against the financial implications of undergoing surgeries. The sum insured of this plan ranges from Rs 1.5 lakh to Rs 3 lakh.
Features & Benefits:
- Fixed cash amount is paid on undergoing 140 surgical procedures
- Daily allowance is also paid for each day of hospitalization
- Cost of a medical second opinion is also covered
- No medical examination is required for people below 50 years
Royal Sundaram Rural Accident Insurance Plan
The Royal Sundaram Rural Accident Insurance plan has been customized to provide personal accident cover to people living in rural areas, such as farmers, corporate labourers, agricultural workers, etc. It offers a minimum sum insured of Rs 25,000 for up to a maximum of 60 times the monthly income.
Features & Benefits:
- Coverage for accidental death is available
- Cost of accidental hospitalization is covered
- Permanent total disability and permanent partial disability are available
Royal Sundaram Hospital Cash Insurance Plan
The Royal Sundaram Hospital Cash Insurance plan takes care of any incidental expenses incurred by the insured during hospitalization. The sum insured ranges from Rs 500 per day to Rs 3500 per day under this plan.
Features & Benefits:
- Daily cash amount is payable for each day of hospitalization
- Coverage is available for a maximum of 180 days
Royal Sundaram Accident Shield Plan
The Royal Sundaram Accident Shield plan covers the insured against the financial hardships faced after an accident. It offers a sum insured ranging from Rs 5 lakh to Rs 20 lakh.
Features & Benefits:
- Coverage for accidental death and permanent total disablement are available
- Monthly recovery benefit is also available
- 5% cumulative bonus for up to 25% is granted for every claim-free renewal
Royal Sundaram Accident Shield Classic Plan
The Royal Sundaram Accident Shield Classic plan provides coverage for various financial implications of meeting with an accident. The plan offers a sum insured ranging from Rs 2.5 lakh to Rs 10 lakh and is available in three types – Silver, Gold and Platinum.
Features & Benefits:
- Accidental death benefit and accidental disability are available
- Accidental hospitalization expenses are covered
- Monthly income benefit on permanent total disability is available
- Cost of transporting the mortal remains is covered
- Free education grant for one child is also available
- 5% cumulative bonus is applicable for up to 25% on every claim-free renewal
Royal Sundaram Hospital Plus Plan
The Royal Sundaram Hospital Plus plan covers the insured against ancillary expenses incurred during the stay in the hospital. It offers a sum insured of Rs 1200 per day and Rs 2100 per day.
Features & Benefits:
- Hospital cash benefit is paid for each day of hospitalization
- Twice the daily cash amount is paid for accidental hospitalization
- Coverage is available for a maximum of 180 days
- Accidental death coverage are also available
- 5% no claim bonus is paid for a maximum of 25% for not raising any claims
- No medical examination is required to buy this plan
Royal Sundaram Individual Personal Accident Plan
Royal Sundaram Individual Personal Accident plan supports the insured in managing the financial burden resulting from an accident.
Features & Benefits:
- Accidental death cover is available
- Permanent total/partial disability and temporary total disability are covered
- Educational grant and recovery benefit are available
- Accidental hospitalization expenses and the cost of carrying the dead body are covered
- Worldwide personal accident cover is available
- 5% cumulative bonus for up to 25% is available on every claim-free year
Royal Sundaram Rural Hospital Cash Plan
The Royal Sundaram Rural Hospital Cash plan offers a daily fixed amount to the insured to pay for out-of-pocket expenditures incurred during the stay in the hospital. It offers a sum insured ranging from Rs 500 per day to Rs 2000 per day.
Features & Benefits:
- Lump sum payment is made after 24 hours of hospitalization
- Coverage for a maximum of 14 days per hospitalization are available
- Convalescence benefit is paid in case of hospitalization of more than 21 days
Why Should You Buy Royal Sundaram Health Insurance Plans?
Check out the top reasons to buy a Royal Sundaram health insurance plan:
- Free Health Check-up Services – Several Royal Sundaram health insurance plans offer free health check-up facilities to the insured at the time of renewal.
- Preventive Healthcare & Wellness Benefit – Customers can avail preventive healthcare & wellness-related services under these plans, including access to health maintenance networks, health-related articles, etc.
- Simple Claim Process – The insurance company comes with a simple claim process that makes it convenient for them to raise a claim.
- Tax Benefits – Policyholders can avail tax benefits on the premium amount paid to buy a Royal Sundaram health insurance policy under the Income Tax Act, Sec 80D.
How to File a Claim with a Royal Sundaram Health Insurance Plan?
Take a look at the procedure to raise a cashless claim with Royal Sundaram health insurance:
1
Intimate the TPA
Inform the third party administrator (TPA) of the Royal Sundaram General Insurance Co. about your planned hospitalization at least 72 hours in advance and your emergency hospitalization within 24 hours.
2
Send the Required Documents
Submit the required medical documents, including the filled-in cashless authorization letter, to the TPA.
3
Review and Approval
The TPA will check the eligibility for the coverage as per your policy terms & conditions and approve the cashless treatment request within 3 hours of receiving the documents.
4
Claim Settlement
Once you are discharged from the hospital, the TPA will settle the medical bills by making the payment directly to the network hospital.
In case of reimbursement claims, make sure to pay all the medical bills at the time of hospital discharge and collect all the documents. Send all the necessary documents to the insurer within 30 days of getting discharged from the hospital. The insurance company will verify the documents and pay the claim amount within 30 days of receiving the documents.
Documents Required for Royal Sundaram Health Insurance Claim
Here is the list of documents required to file a Royal Sundaram health insurance claim:
- Royal Sundaram health insurance claim form
- Hospital final bill with advance and final payment receipts
- Hospital discharge summary
- First consultation papers
- Doctor’s prescription advising hospitalization
- Investigative test reports, MRIs, X-rays, etc.
- Doctor’s prescription for medicines with bills
- Death summary, if applicable
- FIR/MLC (in case of accidents)
Royal Sundaram Health Insurance Network Hospitals
Royal Sundaram General Insurance Co. enables its policyholders to avail cashless hospitalization facilities at all its network hospitals spread across India. Check out the list of Royal Sundaram health insurance network hospitals available in different Indian cities below:
How to Buy Royal Sundaram Health Insurance Plans?
Given below are the steps to buy a Royal Sundaram health insurance plan:
Step 1: Log on to the website of Policybazaar Insurance Broker Private Limited
Step 2: Select the ‘health insurance’ icon on the page
Step 3: Choose the people to be insured and enter the age of the eldest adult & child
Step 4: Provide the requested details, including your city of residence, name, phone number, etc.
Step 5: Choose if you have any existing medical illnesses
Step 6: Pick the preferred Royal Sundaram health insurance plan and pay its premium amount online
Step 7: The insurance company will send your policy document to your registered email id
How to Renew Royal Sundaram Health Insurance Plans?
Here is a step-by-step guide for Royal Sundaram health insurance renewal:
Step 1: Visit Policybazaar.com and go to the ‘Renew Your Policy’ tab at the top of the page
Step 2: Choose the ‘Health Renewal’ option from the dropdown menu
Step 3: Enter the registered mobile number in the space provided along with the OTP received
Step 4: First-time users of Policybazaar can select the ‘Health Insurance’ icon on the homepage and provide the required details
Step 5: Choose your desired Royal Sundaram health insurance renewal plan
Step 6: Pay the renewal premium amount online
Step 7: The Royal Sundaram General Insurance Co. will renew the policy and send the confirmation to your registered email id.
How to Calculate Royal Sundaram Health Insurance Premium?
Customers can calculate the premium of a Royal Sundaram health insurance plan using a health insurance premium calculator by providing details like their city of residence, desired sum insured, etc. Use the Royal Sundaram health insurance premium calculator below to estimate the premium payable for a health plan.
Contact Details of Royal Sundaram Health Insurance
Given below are the contact details of Royal Sundaram General Insurance Co.:
| Categories | Contact Details |
| Toll-free No | 1860-258-0000 1860-425-0000 |
| Phone No | 022 6260 4805 |
| Email Id | customer.services@royalsundaram.in |
Royal Sundaram Health Insurance FAQs
-
Q1. What is the claim settlement ratio of Royal Sundaram health insurance?
Ans: IFFCO Tokio health insurance has earned a claim settlement ratio of 95.82% in FY 2020-21.
-
Q2. Who is the TPA of Royal Sundaram health insurance?
Ans: The TPA of Royal Sundaram health insurance within India is Medi Assist Insurance TPA Private Limited and for overseas coverage is Europ Assistance India Pvt. Ltd.
-
Q3. Where can I get the Royal Sundaram health insurance hospital list?
Ans: You can find the list of Royal Sundaram health insurance network hospitals with your health insurance policy document issued by the insurance company. Alternatively, you can also go to Policybazaar.com and check the city-wise list of network hospitals available in various cities.
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Q4. How to check the Royal Sundaram health insurance policy status?
Ans: You can contact the Royal Sundaram health insurance customer care team to check the status of your policy status. In case you bought your policy from Policybazaar.com, you can get in touch with their customer support team to know the current status of your policy.
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Q5. What is the process for the Royal Sundaram health insurance policy download?
Ans: You can download your Royal Sundaram health insurance policy by logging on to the website of the insurance company. If you purchased it from Policybazaar.com, you can log in to the website to download your Royal Sundaram policy copy.
Policybazaar exclusive benefits
- 30 minutes claim support*(In 120+ cities)
- Relationship manager For every customer
- 24*7 claims assistance In 30 mins. guaranteed*
- Instant policy issuance No medical tests*
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Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in
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*We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30- minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881.
*Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. Policybazaar does not provide any medical or surgical advice or diagnosis and is not responsible for your interactions / treatment by a medical practitioner/hospital. Please consult a registered medical practitioner for any medical or surgical advice. The Information that you obtain or receive from Policybazaar, and its employees, or otherwise on the Website is for informational purposes only. As per the Insurance guidelines, you are allowed to cancel the policy with-in 30 days from the date of Issuance of policy.This option is available incase of policies with a term of one year or more.
*All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.
**All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.
*₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.
*₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases
*₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases
*₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases
*₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases
*₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.
*₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.
*No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.
*The values taken for effective cost calculation are indicative values and may change as per the selected plan.
*Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.
*Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.
*The scope of coverage may vary from plan to plan.
~Source: Google Review Rating available on:- http://bit.ly/3J20bXZ
##On ground claim assistance is available in 114 cities
Tax Benefits are subject to changes in tax laws. GST Exemption depends on fulfilment of qualification criteria and submission of relevant documents as required by the insurers. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.
STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.
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