Royal Sundaram Travel Insurance

Why Royal Sundaram Travel Insurance?

Holidays or business trips may take many people away from the security of their home. In today’s busy life, going abroad is a common phenomenon and requires much more planning the itinerary. Thus, it becomes very important for a person to protect themselves along with their family towards any unfortunate incidents or risks that they may face while travelling.

The promoters of the company include Sundaram Finance- India’s biggest NBFC (Non-Banking Financial Company) and Royal Sundaram General Insurance Co. Limited, the second largest general insurance company in the UK. The company provides innovative products, high class service and an easy claim settlement process. In fact, Royal Sundaram was the first insurance company to introduce concepts like cashless claims processes, and value add partnerships with institutions to have an extended market research.

Travel insurance plans provide protection throughout the trip and ease your mind. With a range of reimbursements and assistance services, if there is an emergency you can expect monetary help as per your travel insurance policy and stay well-sheltered.

Features of Royal Sundaram Travel Insurance

Travelling abroad is a great leisure but at times its’ not only expensive but uncertain too, especially in case of unforeseen incidents. One might require several things starting from medical care to legal assistance etc. With Royal Sundaram international travel insurance plans, you can freely plan a trip and expect a range of benefits. Some of their features are given below:

• Cashless Treatment: Plans offering cashless treatment during medical emergencies up to USD 150000 if you need urgent medical treatment while traveling abroad
• No-checkup Required: Buy your travel insurance policy online without documentation or medical tests. Not applicable on some senior citizen travel insurance plans
• Coverage as per the Countries: Insured people can buy a plan for obtaining a valid visa. These are broadly classified into worldwide ( including Americas + optional Schengen countries), worldwide excluding Americas, and Asia (excluding Japan and Korea)
• Emergency Services: Dedicated 24x7 helpline number
• Secure Claim Process: ISO certified claims process
• Plans for Everyone: Flexible covers with attractive premium rates for individuals, families, corporate, senior citizens and students
• Third-party Liability Benefits: Many Royal Sundaram travel insurance plans have benefits offering legal liability up to USD 200000
• Travel-related Benefits: Plan benefits provide covers for loss of passport/visa, loss/delay of checked in baggage,trip delay reimbursement and more

Things to know about Royal Sundaram Travel Insurance

Royal Sundaram Travel Insurance Plans

With changing needs and time, one plan suits all is rarely applicable on all the policyholders.  Royal Sundaram travel insurance plans are offered in five types tailored for everyone's needs:

All these plans have been briefly discussed below along with their special features and available types:

Inclusions under the Royal Sundaram Travel Insurance Plan

Based on the geographical area of your travel, Royal Sundaram travel insurance plan has different coverage given below:

• Worldwide including Americas (Schengen can be included)
• Worldwide excluding Americas (Schengen can be included)
• Asia excluding Japan and Korea

Here are the common coverage benefits offered by all the Royal Sundaram Travel Insurance plans:

• Medical Expenses: The insurer will cover any medical emergency-related expenses including OPD, medical practitioner’s costs, hospitalization expenses, and more as stated in your policy.
• Accidental Death and Dismemberment: In case of any circumstance leading to your death or disability within 12 months of that injury while traveling, the insurer will pay the specified sum.
• Delay in Checked-in Baggage: In situations like loss of baggage during transit or theft, the insurer will provide reimbursements for reasonable necessary expenses like clothes, toiletries, medicines, and others.
• Personal Liability: In situations where the insured becomes legally liable to a third party (death, injury, damages) the insurer will compensate the third party as per the specifics of the policy.
• Trip Delay: In case of the insured person's death of common carrier commencement by over 6 hours, the insurer will reimburse as per the limits specified in the policy.
• Automatic Extension of Policy: Your period of insurance will be extended automatically up to a period of 7 days in case of a sudden emergency or delay in common carrier.
• Compassionate Visit: In case of a medical emergency, if the insured is hospitalized or in a situation where an immediate family member needs to assist them, the insurer will provide the reimbursement cost of an economy class flight ticket for that family member along with their accommodation expenses not exceeding USD 200 per day.
• Emergency Hotel Extension: In case the departure of the insured is delayed at the port due to some reason, the insurer will provide for the additional expenses incurred in lodging and other necessary expenses.
• Loss of Baggage: In case you lose your checked-in luggage or hand baggage, the insurer will pay for the insured as per the limits specified in the policy.

Exclusions under the Royal Sundaram Travel Insurance Plans

The company will not be able to provide the benefits under the plan for the below-mentioned circumstances:

• Pre Existing illnesses unless there is a life-threatening disease in which case a maximum of USD 2000 will be reimbursed
• Personal Liability does not cover the consumption of drugs and alcohols, unlawful acts, Employer’s Liability, Disputes between family members, traveling companions, or friends.
• Treatment for mental disorders
• Baggage delay if on arrival in India will not be covered
• If the time gap between the scheduled flight and the previous flight is less than 3 hours, then it will not be covered.
• If treatment was the only purpose of traveling abroad
• Traveling against the advice of the doctor.
• Personal Accident does not cover diseases, pregnancy, and related complications,
• Damage caused due to radiation contamination, disability caused due to stroke, fits or convulsions, etc.
• Intentional self-injury caused due to dangerous activities like gliding, rafting, ballooning, etc.
• Trip Inconvenience does not cover baggage containing perishable things, delay due to customs officials, or if travel documents are confiscated by customs officials.

How to Enroll in Royal Sundaram Travel Insurance Plans ?

There are many ways to enroll in the Royal Sundaram travel insurance policy. You can do so by visiting the official website of Policybazaar Insurance Brokers Private Limited. Alternatively, you can also do so by visiting the official website of the insurer. For more details, you can write to us at care@policybazaar.com or speak to our experts at 1800-708-8787. Take a look at these steps for more clarity:

Online

• Visit  our official website and go to the section on Travel Insurance.  Click on the link.
• Enter important details like name, number of travelers, age, destination, contact details, etc.
• Details of the trip and the travelers need to be filled in. Post this; the premium has to be calculated.
• On the basis of the information provided, the premium will be calculated.
• The additional information page will ask for the passport number, to furnish any pre-existing disease, details of nominees, etc.
• The summary page will be displayed and the same needs to be checked. After verifying the details, one can go ahead and buy the policy.

Offline

• You can use the branch locator to find the nearest office of Royal Sundaram General Insurance Co. Limited and visit them.
• Fill up the proposal form provided in order to purchase that policy.
• You can also call them on their toll-free number and request details to proceed further.
• Alternatively, an insurance agent can also help with the proposal form and buying the policy.

You can read more about these travel insurance plans and compare them online at Policybazaar.com