Royal Sundaram offers two types of claim settlements – cashless and reimbursement. Follow the steps to raise a claim:
- Find the nearest network hospital of Royal Sundaram
- Get admitted to the hospital
- Notify the insurance company about the hospitalization
- In case of pre-planned hospitalization, intimate the insurer before hospital admission.
- Fill up the pre-authorization form and submit it to the hospital staff
- The pre-authorization form will be sent to Royal Sundaram for approval.
- Once approved, obtain medical treatment.
- At the time of discharge, sign all the medical documents.
- Pay for the items/services not covered under the Royal Sundaram policy
- The network hospital will send the hospital bill to Royal Sundaram.
- After review, the insurance company will pay the bill amount directly to the network hospital.
- Intimate Royal Sundaram about the hospitalization
- In case of planned hospitalization, inform the insurance provider before hospital admission.
- Obtain medical treatment
- During discharge, pay the hospital bill in full.
- Collect all the medical documents, hospital bills and receipts
Our Claim specialists in below cities will reach your hospital or home in 30 minutes to support your health insurance claim
About 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.
Royal Sundaram Lifeline Insurance is a comprehensive health insurance plan designed to cover the unforeseen medical expenses of the insured. The plan is available in three types – Classic, Supreme and Elite.
Features and 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 is a family health insurance plan that covers the medical expenses of up to 19 family members under a single policy.
Features and 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 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.
Features and 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
The Royal Sundaram Critical Illness Lumpsum plan provides coverage for 9 critical illnesses that can create a financial burden on the policyholder.
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
The Royal Sundaram Multiplier Health Insurance plan provides comprehensive medical coverage to the insured for emergency and planned medical conditions.
Features and 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
The Royal Sundaram Multiplier Health Insurance plan provides comprehensive medical coverage to the insured for emergency and planned medical conditions.
Features and 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
The Royal Sundaram COVID Secure plan provides financial coverage to people diagnosed positive for the COVID-19 disease.
Features and 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 is a customized plan designed to provide coverage for surgical medical treatments.
Features and 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
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.
Features and 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
The Royal Sundaram Secure All plan provides medical coverage to the insured in case of a health emergency.
Features and 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
The Royal Sundaram Advanced Top Up Health Insurance plan provides extensive medical coverage to the insured with an in-built deductible.
Features and 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
The Royal Sundaram Smart Cash plan provides a daily allowance to the insured to cover incidental expenses incurred during hospitalization. Besides, the plan is divided into three types – Silver, Gold and Platinum.
Features and 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
The Royal Sundaram Personal Accident Care Platinum Insurance plan provides worldwide coverage to the insured in case of an accident.
Features and 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
The Royal Sundaram Personal Accident Care Gold Insurance plan covers the insured against accidental injuries that may lead to a major financial burden.
Features and 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
The Royal Sundaram Surgicare Insurance plan protects the insured against the financial implications of undergoing surgeries.
Features and 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
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.
Features and Benefits:
- Coverage for accidental death is available
- Cost of accidental hospitalization is covered
- Permanent total disability and permanent partial disability are available
The Royal Sundaram Hospital Cash Insurance plan takes care of any incidental expenses incurred by the insured during hospitalization.
Features and Benefits:
- Daily cash amount is payable for each day of hospitalization
- Coverage is available for a maximum of 180 days
The Royal Sundaram Accident Shield plan covers the insured against the financial hardships faced after an accident.
Features and 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
The Royal Sundaram Accident Shield Classic plan provides coverage for various financial implications of meeting with an accident. The planmis available in three types – Silver, Gold and Platinum.
Features and 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
The Royal Sundaram Hospital Plus plan covers the insured against ancillary expenses incurred during the stay in the hospital.
Features and 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 supports the insured in managing the financial burden resulting from an accident.
Features and 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
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.
Features and 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
Key Benefits of Royal Sundaram Health Insurance
or select from popular citiess In case of emergency we are just a call away. Take care of your family, we will do the rest. Our claim specialists will reach your location & complete the formalties from filing the claim to documentation to coordinating with insurer, TPA & hospital. Available in New Delhi and 114+ cities View cities list ›Search Royal Sundaram Cashless Network Hospital list
Policybazaar Claim Process
Here is the list of documents required to file a Royal Sundaram health insurance claim:
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Claim FormDuly filled and signed Royal Sundaram health insurance claim form
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Health Card/Policy CopyHealth card or a copy of Royal Sundaram health insurance policy
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Medical DocumentsHospital discharge card, doctor’s prescriptions, test reports, etc.
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Medical Bills & Payment ReceiptsMedical test and investigation reports with payment receipts, Surgeon's bills and payment receipts
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KYC DocumentsNEFT and KYC details
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Legal DocumentsFIR/Self-declaration/ Medico Legal Certificate (MLC) in case of an accidental hospitalization
Note: The exact list of claim documents varies from case to case. Contact the customer support team for the complete list.
The process to buy a Royal Sundaram Health Insurance plan is given below:
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Visit the Health Insurance SectionGo to the ‘Health insurance’ section on Policybazaar.com
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Fill in Personal DetailsProvide necessary details like age, mobile number, city, medical history, gender, etc.
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Pay the Premium OnlineChoose your preferred Royal Sundaram health insurance policy and pay the premium online
The process to renew a Royal Sundaram Health Insurance plan is given below:
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Go to the Renewal SectionNavigate to the ‘Renew Your Policy’ tab on Policybazaar.com and select ‘Health Renewal’
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Verify Your IdentityEnter your registered mobile number and the OTP sent to your device
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Pay the Renewal Premium OnlineSelect the Royal Sundaram health insurance policy you want to renew and pay the premium online
Take a look at the Royal Sundaram Health Insurance contact number below:
| Categories | Contact Details |
|---|---|
| Toll-free No | 1860-258-0000 1860-425-0000 |
| Phone No. | 022 3383 4185 |
| WhatsApp No. | 74004 22200 |
| Email Id | customer.services@royalsundaram.in |
Royal Sundaram Health Insurance: FAQs
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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.
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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.
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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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Q. What is the advantage of selecting a policy with a duration of more than 1 year?
Ans: If one buys Aditya Birla Health Insurance for more than a year, one can save 7.5 % and 10% on the 2 and 3 years premium, respectively.
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Q. How is an Individual cover different from a Floater cover?
Ans: In an Individual cover, coverage is offered to each individual in the family separately. In a Family Floater health insurance plan, each family member is covered based on a floater sum insured.
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Q. How is an Individual cover different from a Floater cover?
Ans: In an Individual cover, coverage is offered to each individual in the family separately. In a Family Floater health insurance plan, each family member is covered based on a floater sum insured.
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Q. What is a waiver of a mandatory co-pay cover?
Ans: This benefit is covered on payment of an additional premium. Therefore, any mandatory co-payment that is applicable under the Aditya Birla Activ Health Essential Plan will be waived off.
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