Royal Sundaram Health Insurance for NRIs

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      Overview of Royal Sundaram Health Insurance for NRI

      Royal Sundaram Health Insurance for NRI covers the medical expenditures incurred by NRIs or Non-Resident Indians within India and abroad. It covers the cost of emergency and planned hospitalization during their visit or stay in India. Besides, it offers many lucrative benefits, including worldwide emergency hospitalization, reload of the sum insured, health check-up benefit, etc.

       
      Royal Sundaram Health Insurance for NRI in Detail
      Royal Sundaram Lifeline Supreme Plan

      The Royal Sundaram Lifeline plan has a sum insured of Rs 2 lakh to Rs 1.5 crore. It is available in three variants – Classic, Supreme and Elite.

      Coverage Benefits:

      • Hospitalization expenses, OPD treatment and domiciliary hospitalization are covered
      • Maternity benefit, emergency domestic evacuation and ambulance cover are available
      • Worldwide emergency hospitalization and second opinion & international treatment for specified critical illnesses are covered
      • Animal bite vaccination cover, AYUSH treatment and day care treatment are available
      • Hospital cash benefit, top-up plan and IVF treatment are available as optional covers
      Read more

      Benefits of Royal Sundaram Health Insurance for NRI

      Here are some of the benefits that NRIs can enjoy by buying a Royal Sundaram Health Insurance plan:

      • Reload of Sum Insured – With this benefit, the policy sum insured will be recharged by 100% once a year in case the base coverage amount has been exhausted partially or fully due to a claim.
      • Health Check-ups - NRIs are eligible to undergo preventive health check-ups at regular intervals with this benefit at an empanelled service provider of the insurance company in India.
      • No Claim Bonus – Policyholders can enhance their sum insured with a No Claim Bonus (NCB) granted by the insurer every time they do not raise a claim in the previous policy year.
      • Preventive Healthcare & Wellness and Disease Management – This NRI health insurance policy provides multiple preventive healthcare & wellness activities and offers disease management services for diabetes, heart, cancer, high BP, kidney, etc.
      • Tax Benefits – NRIs can enjoy tax deductions on Royal Sundaram health insurance for NRI price under Sec 80D of the Income Tax Act.

      How to Buy Royal Sundaram Health Insurance for NRI?

      Check out the steps for NRIs to buy a Royal Sundaram health insurance policy online:

      Step 1: Visit the official website of Policybazaar Insurance Broker Pvt. Ltd.

      Step 2: Click on ‘Health Insurance’ and choose the family members to be insured

      Step 3: Enter their current age and city of residence in India

      Step 4: Provide your full name, gender and mobile number with the suitable country code

      Step 5: Choose if the people to be insured have a medical history

      Step 6: Pick the Royal Sundaram health insurance plan that the NRI wants to buy

      Step 7: Review the details and pay the Royal Sundaram health insurance price

      The insurance company will issue the mediclaim policy to the NRI

      Note: NRI customers can get a GST refund if the policy was purchased from an NRE account and for a 1-year tenure. All they need to do is to submit a declaration, TRC and a 6 months bank statement of the NRE account used to pay the premium.

      How to Renew Royal Sundaram Health Insurance for NRI?

      NRIs can follow the procedure given below for Royal Sundaram health insurance policy renewal:

      Step 1: Log in to the website of Policybazaar Insurance Broker Pvt. Ltd.

      Step 2: Pick ‘Health Renewal’ from the ‘Renew Your Policy’ tab

      Step 3: Choose your country code and provide your mobile number & the OTP received on it

      Step 4: First-time Policybazaar users can navigate to the ‘Health Insurance’ icon on the homepage

      Step 5: Fill in the required details and select the Royal Sundaram health insurance renewal plan

      Step 6: Verify all the details and pay the renewal premium amount online

      The Royal Sundaram General Insurance Company will send the renewed policy to the NRI.

      Note: NRI customers can get a GST refund if the policy was purchased from an NRE account and for a 1-year tenure. All they need to do is to submit a declaration, TRC and a 6 months bank statement of the NRE account used to pay the premium.

      How to File a Claim with Royal Sundaram Health Insurance for NRI?

      Take a look at the process that NRIs can follow to file a claim with Royal Sundaram Health Insurance:

      1

      Inform the Insurer

      The NRI must inform Royal Sundaram General Insurance Company about emergency hospitalization within 24 hours and planned hospitalization at least 72 hours in advance.

      2

      Seek Cashless Authorization

      Submit a cashless authorization request to the TPA of the insurance company along with the required medical documents.

      3

      Get Cashless Authorization Letter

      The TPA will verify the documents as per the policy coverage and issue a cashless authorization letter to the network hospital within 3 hours of receiving all the documents.

      4

      Pay Non-Medical Charges

      At the time of discharge, pay all non-medical expenses incurred during hospitalization.

      5

      Claim Settlement

      The TPA will pay the claim amount to the network hospital after the discharge.

      If the NRI is filing a reimbursement claim, pay all the medical bills at the time of getting discharged from the hospital and collect all the documents. Submit the required documents, including the duly filled claim form, to the TPA within 30 days of discharge. The TPAs will verify all the documents and pay the admissible claim amount with the settlement letter to the NRI within 30 days.

      Policybazaar exclusive benefits
      • On ground claims 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.

      Policybazaar is a registered Composite Broker |Registration No. 742, Valid till 09/06/2024, License category- Composite Broker| Visitors are hereby informed that their information submitted on the website may be shared with insurers.

      Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana - 122001 Contact Us | Legal and Admin Policies

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