Royal Sundaram Health Insurance

Royal Sundaram Health Insurance Overview

Royal Sundaram is a leading player in the Indian insurance industry providing a solid range of insurance products on various sectors like auto, travel, home, business. The most robust and insurance plans with wide range of benefits and inexpensive insurance plans is the Health Plans. In fact, Royal Sundaram was the first insurance company to introduce concepts like cashless claims processes, cash allowances for hospitalization and value add partnerships with top institutions to have an extended market research.

Benefits and Coverage Under Royal Sundaram Health Insurance

• Cashless hospitalization over 3000 plus network hospitals.
• Coverage of 147 Day Care Expenses.
• Pre and Post Hospitalization expenses.
• Renewal for lifetime.
• ISO certified claims process.
• Maternity coverage.
• Pre-existing coverage after 3 years waiting period.
• Cumulative bonus for every claim free years from 5% upto 50%.
• Tax Benefit under section 80(D) under all health insurance plans.
• Extension in Sum Insured to additional 50% in case of accidents.

List of Royal Sundaram Health Insurance Policies:

• Lifeline Health Insurance Plans
• Family Good Health Insurance Plans
• Hospital Cash Health Insurance Plans.

Now, we will see each of the above plans in details.

Royal Sundaram Lifeline Health Insurance Plans

Lifeline Health Insurance Plans is a type of insurance plan which an individual can take for himself or for his family. Lifeline comes in three variants namely

• Lifeline Classic Health Insurance Plan
• Lifeline Supreme Health Insurance Plan
• Lifeline Elite Insurance Plan

Let’s look at the benefits and coverage of Royal Sundaram Lifeline Health Insurance Plans:

Eligibility for Royal Sundaram Health Insurance Policy:

Any individual aged between 18 years can apply for this plan. Dependent children more than 91 days old and less than 25 years of age can be included under this plan. No maximum age requirement is there for this health insurance policy. A maximum of 6 members can be covered under a single lifeline insurance plan.

Policy Tenure:

The health insurance policy tenures available under these plans are 1, 2 and 3 years respectively. A special discount can be availed to the tune of 7.5% or 12% if one opts for 2 years and 3 years tenure respectively.

Premium Payable and Zonal Pricing:

The amount of premium varies according to the sum insured, age and location of the applicant. Additionally, the premium depends on the ‘zone” where the applicant lives as payment of premium comes under the concept of “zonal pricing” as follows: Zone 1: It includes Delhi , Mumbai , Bangalore, Chennai, Pune, Kolkata, Hyderabad and Gujarat with 0% discount. Zone 2: Rest of India: 15% discount.

Claim Process of Royal Sundaram Health Insurance Policy :

• In case of planned hospitalization, Royal Sundaram should be intimated within 48 hours prior to hospitalization and in case of emergency within 24 hours.
• The following details needs to be provided:

1. Name of the insured person
2. Hospital details
3. Treating Doctors name
4. Diagnosis
5. Date of Hospitalization
6. Expected Discharge

Health and Wellness Portal:

Health and Wellness Portal is available to the customers which update the customers about the health insurance tips and articles and keep them well informed.

Royal Sundaram Family Good Health Insurance Plan

A complete health insurance plan which provides full health and financial protection to the insured person and his family.

Features & Benefits:

• In patient hospitalization when admitted to hospital for a minimum period of 24 hours.
• Pre hospitalization expenses covered for 30 days prior to the date of admission in hospital.
• Coverage of Day care expenses which requires less than 24 hours of hospitalization.
• Under this plan, pre existing disease covered after 48 months.
• Coverage of accident from day one.
• After discharge, coverage of post hospitalization expenses within a period of 60 days.
• Under this plan, no Medical test upto 50 years.
• Cumulative Bonus for every claim free years from 5% upto 50%
• Under this plan, Daily cash Allowance Rs 500/ day of hospitalization maximum 20 days per insured member subject to limit of maximum 60 days for all the members.
• Convalescence Benefit upto Rs 10000/- per insured person for hospitalization exceeding 21 days. Maximum of Rs 20000/- for all insured person during a policy year.
• Emergency Ambulance charges for Rs 1000/- per claim.

Eligibility for Royal Sundaram Family Good Health Insurance Plan

• Any individual aged between 91 days and upto 21 years of age can be included under this plan. Dependant parents can also be covered till the age of 50 years without documentation and 65 years with documentation. Lifelong renewals are applicable here.

Policy Tenure:

• The health insurance policy tenures available under these plans are 1, and 2 years respectively. Sum insured ca be chosen between 2, 3 and 4 lakhs.

Claim Process:

There are two ways by which one can claim medical insurance which are

• Cashless Claim
• Reimbursement Claim

Cashless claims can be either for planned admission or for emergency admission. In both the cases, TPA (Third Party Administrator) assist the insured person and process the claims. However, the cashless facility is available where the TPA associated with the network hospitals.

Procedure for Claim Reimbursement:

Other than the network hospitals, one can also claim through normal reimbursement process through the following ways:

• Inform Royal Sundaram Health Insurance Company via the helpline number
• Email to customer.services@royalsundaram[dot]in
• Treatment to be availed and after settling bills, the reimbursement is to be claimed.
• Relevant claim documents needs to be submitted.
• Necessary documents needs to be filled up and send to Royal Sundaram Corporate Office in Chennai.

Documents Required for Royal Sundaram Family Good Health Insurance:

The following documents needs to be submitted along with the filled up claim form and Doctor’s Certificate:

• Discharge Summary.
• Prescriptions.
• Bills
• Advance and final receipts.
• Diagnostic Test Reports, Scan, X-ray, ECG and other related reports.

Royal Sundaram Hospital Cash Benefit Plan:

This Royal Sundaram Health Insurance plan is a daily cash benefit plan which covers the followings:

• Under this plan, Cash benefit upto Rs 1000/- per day of hospitalization for maximum upto 180 days.
• In case of accidents, cash benefit upto Rs 2000/- per day of hospitalization for maximum upto 21 days is allowed in this plan.
• Daily benefit of Rs 500 to Rs 1000 per day of hospitalization exceeding 24 hours, for maximum upto 180 days.
• Under this plan, cash benefit is trebled to the tune of Rs 3000 per day of admission to ICU for upto 21 days in excess of first 24 hours.
• If hospitalization is more than 21 days, a lump sum amount upto Rs 7500/- to Rs 15000/- is paid to the family member under Convalescence Benefit Plan, once in a policy term.
• This coverage is only appropriate for 180 days during policy term in this health insurance plan.
• No documentation under this plan neither any medical test is required.
• This Royal Sundaram Health Insurance plan can be renewed anytime and anywhere through Insta Renew process.
• Create online account where the medical reports will be stored for one’s easy access anytime and anywhere.
• Online Chat facility

Eligibility for Royal Sundaram Hospital cash Benefits Plan:

• Any individual aged between 1 year and upto 65 years of age can be included under this plan. Dependant parents, spouse, children are all covered under this plan. Lifelong renewals are applicable here.

Policy Tenure:

• A special discount can be availed to the tune of 10% if one opts for insurance for 3 family members or more under the same plan.

There are basically two plans under Hospital Cash Benefit Plans namely Silver Plan and Gold Plan. The benefits and premiums are as under:

Procedure for Claim Reimbursement of Royal Sundaram Health Insurance Policy:

Other than the network hospitals, one can also claim through normal reimbursement process through the following ways:

• Inform Royal Sundaram via the helpline number
• Email to customer.services@royalsundaram[dot]in
• Claims can be notified online as well.
• Relevant claim documents needs to be submitted.
• Necessary documents needs to be filled up and send to Royal Sundaram Corporate Office in Chennai. The following documents needs to be submitted along with the filled up claim form and Doctor’s Certificate:
  • Discharge Summary.
  • F.I.R in case of accidents.
  • Doctor’s Certificate.
  • Diagnostic Test Reports.

How to Apply for Royal Sundaram Health Insurance Online?

Royal Sundaram Health Insurance Plans can be purchased online with absolute ease and without any documentation and hassle.

• There is an option” Buy Now” in the Royal Sundaram website.
• The required information needs to be filled up as given in the website.
• Depending on the Royal Sundaram Health Insurance plan, one can choose to buy the policy for one or two years.
• The system will generate “Quote Id” which one should make a note for future reference.
• Various payment options will be displayed and one can choose according to his/her convenience.
• The Royal Sundaram Health Insurance policy will be in force as soon as the payment is processed.
• The print of the health insurance policy documents can be taken.

For Royal Sundaram Health Insurance renewal, one can just SMS IRENEW Policy Number and send to 9230005727 and a call back will be arranged from the company’s end. A list of network hospitals is available online from the website where one can access the name of the hospitals and the addresses.

Royal Sundaram Health Insurance- FAQs

1. How to pay a Royal sundaram Health Insurance premium? What are the modes of payment available?

The Royal Sundaram Health Insurance offers 2 modes of premium payment namely:

• Cash payment at the branch
• Online Payment

For the online payment mode, the policyholder can pay via;

• Credit Card
• Debit Card
• Net banking

2. How can I check Royal Sundaram Health Insurance policy status?

If you a registered user, simply log into the Royal Sundaram website with your email id and password.

3. What is the Royal Sundaram Health Insurance policy renewal process?

You can renew the Royal Sundaram Health Insurance policy online by following steps.

Step1: Enter your Policy Number and Date of Expiry into e-portal
Step2: Calculate the premium
Step3: Select the payment option –Net Banking or Debit/Credit Card to pay
Step4: Upon successful payment completion print/save the premium deposit receipt

4. How to claim Royal Sundaram Health Insurance Policy?

For Royal Sundaram health insurance claim, you can intimate the company by filling a form online.
You can email: customer.services@royalsundaram[dot]in
Royal Sundaram General Insurance Co. Limited guarantees to settle the claims in 2 days, if all the documents are in order and no discrepancy is found.

5. What is the cancellation process for Royal Sundaram health insurance policy?

You can visit the nearest branch with your Royal Sundaram Health Insurance policy documents and submit at the service counter. Once the process is complete the refund will be directly debited in your bank.

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