Royal Sundaram Group Health Insurance

Royal Sundaram has launched this Health Premium Platinum plan which is a group health/ employee health insurance plan. It is a comprehensive package plan that an employer can buy for its employees and their family members. The plan covers hospitalization cost and medical expenses arising out of an illness or injury. Family members include spouse and two dependent children.

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₹1 Lakh cover starting at
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Whom do you want to insure?

  • Employee, spouse & kids

  • Employee only

The various other benefits of Health Premium Platinum plan are listed below:

Features of Royal Sundaram Group Health Plan

  • With the Health Card, employees are permissible to avail cashless facility in the network hospitals.
  • There are more than 2200 network hospitals across 16 cities where insured employees can avail cashless treatment for his/her ailments without having to pay the hospital bills. If the insured employee fails to take admission in a networke hospital, then the amount will be reimbursed within 15 days of document submission
  • Coverage is provided for outpatient expenses in certain cases
  • The insured employees can have access to 24-hour helplines and free ambulance services
  • The insurer offers access to patients’ medical history and their family members including all the details related to medical history, illness, hospitals, and medicines
Group health insurance

Inclusions of Royal Sundaram Group Health Plan

  • Hospitalization Expenses: The insured employees are offered compensation for in-patient hospitalization expenses in the event of an accident or illness up to the sum insured amount. It is applicable on hospitalization for more than 48 hours or 2 days.
  • Pre and Post Hospitalization Expenses: It covers all the medical expenses (as covered under the plan) that were incurred 30 before the hospitalization and also the cost of treatment after 60 days of hospitalization.
  • Out-patient care Expenses: It also covers out-patient treatment costs such as kidney stone removal; eye surgery; tonsillectomy, and D & C.
  • Hospital Cash Allowance: This plan also offers a fixed compensation for each day of hospitalization.
  • Convalescence Benefit:  A fixed amount is compensated if the hospitalization exceeds 21 days.

Additional Benefits of Royal Sundaram Group Health Plan

The coverage can be further enhanced on payment of additional premium. However, this will depend on claim track record and the Company’s profile :

  • Coverage for Maternity
  • Waiver of 30 day waiting period
  • Waiver of first-year exclusions

Exclusions of Royal Sundaram Group Health Plan

This plan does not cover the following expenses:

  • Any illness that was contracted in the initial 30 days of purchasing the policy
  • Any pre-existing diseases/illnesses/injury that was diagnosed before purchasing the policy
  • Pregnancy-related claims
  • Dental surgery or treatment unless it requires hospitalization 
  • Cost of spectacles/contact lenses and hearing aids
  • Certain diseases like cataract, hernia, piles, sinusitis, etc. are not covered in the first of the policy
  • Expenses incurred on Naturopathy, Ayurveda, Homoeopathy, or any other form of local treatment
  • Alcoholism, and drug abuse
  • HIV and AIDS

For details please refer to the policy terms and conditions

Royal Sundaram Health Insurance Claim Procedure

Royal Sundaram follows a simple claim process to make it convenient for their customers. The claim procedure that the insured employees need to follow is listed below:

  • Claim Intimation: The insurer needs to be informed at least 48 before the hospitalization (in case of planned hospitalization), and within 48 hours if it is an emergency hospitalization.
  • Claim Submission: The insured needs to submit the duly signed and filled claim form along with the supporting claim documents. Moreover, the policyholder also needs to furnish the name of the patient, details of the hospital including name, location, contact number, and also the date of hospitalization, and expected discharge, as a part of the claim intimation procedure.

Once all the claim documents are submitted, Royal Sundaram will make the payment for the permissible amount as per the policy terms and conditions.

Employee health insurance

To check more details, please refer to the Royal Sundaram Group health insurance policy wordings.

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Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
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3.8 April 09, 2023
Mansi
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It was easy to buy insurance from PolicyBazaar website and customer support was also amazing to clear all the doubts.Thankyou. Highly worth it.
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4.3 April 01, 2023
Mahesh
Necessary Investment
It is a good and necessary investment. Thanks PB.
Lucknow
4.3 March 24, 2023
Surya
Provides Satisfactory Results
I purchased Group health insurance at policybazaar recently and i am so much satisfied with the plan. The application process was smooth and efficient, making the typically tedious task of getting insurance surprisingly hassle-free.Thanks PB.
Bareilly
3.8 March 16, 2023
Naveen
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When it came to selcting the right Group Health Insurance, Policybazaar offered an impressive range of options from reputable insurers. I appreciated the comprehensive details avalable for each policy which helped me to take the better decisions. Thankyou.
Delhi
4.3 March 15, 2023
Rajesh
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I recently had the pleasure of securing a Group Health Insurance policy throug PolicyBazaar and I must say the Entire process exceeded my expectations! From start to finish, their service werw great. Thankyou.
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Ravi
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4.3 February 17, 2023
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It was a excellent purchase at PolicyBazaaar. Thankyou team.
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4.3 February 04, 2023
Satya
Prompt Services
Policybazaar's efficient claims process was impressive. In case of any medical emergencies, my employees were able to get their claims settled swiftly, allowing them to focus on their health and recovery without worrying about financial aspects.Thankyou
Chennai
4.3 January 22, 2023
Abhishek
Budget Friendly Purchase
Thankyou PolicyBazaar for providing such a great plan at affordable premium rates. It was a budget-freindly purchase.
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I purchased Group health Insurance which offered me plans with affordable rates Thankyou PB.
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  • Disclaimers+

    *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.

    ^ The pre-existing diseases are only covered as per insurer T&Cs.

    #Tax Benefits are subject to changes in tax laws.The benefits mentioned are as per insurer T&Cs and are available with or without extra cost depending on the plan and insurer chosen .Therefore, to learn more about the benefits in detail, contact the HR department of your company or check the insurance policy documents.. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. 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 registered as a Composite Broker | Registration No. 742, Registration Code No. IRDA/ DB 797/ 19, Valid till 09/06/2024, License category- Composite Broker.
    *Savings of 65% are based on the comparison between the highest and lowest premiums provided by different insurance companies for Rs 5 lakh cover for 50 employees falling in the age group ranging between 19-55 years with room rent limits of 1% and 2% of sum insured for normal and ICU rooms respectively and does not include PED and maternity coverage. Premium starting from
    +₹110/Employee/Month for ₹1 Lac Sum Insured covering Health & Wellness Needs (excluding GST), Premium may vary on the basis of coverage type & add-ons, All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
    By clicking on "View Plans Instantly" you agree to our Privacy Policy and Terms Of Use and also provide us a formal mandate to represent you to the insurer and communicate to you the grant of a cover.
    The details of insurance coverage, inclusions and exclusions are subject to change as per solutions offered by insurance providers. The content has been curated based on the general practices in the industry. Policybazaar is not responsible for the factual correctness of these details.

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