Royal Sundaram Health Insurance

(71 Reviews)
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*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply

*Tax benefit is subject to changes in tax laws. Standard T&C Apply

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      Royal Sundaram Health Insurance

      Royal Sundaram Health Insurance Company offers some of the best health insurance plan options in India. The health insurance plans are customized to offer comprehensive coverage to the policyholder and the insured family members. The policies can insure up to 19 family members in one plan. Moreover, the insurer’s claim ratio of 61% makes it one of the most trusted health insurance providers in India. Royal Sundaram health plans not only offer hospitalization cover in India but across different countries.

      Royal Sundaram General Insurance is a leading player in the Indian insurance sector providing a wide range of insurance products in various sectors like auto, travel, home, business. Royal Sundaram health insurance plans are one of the most robust offering wide range of benefits at an affordable premium. Royal Sundaram General Insurance was the first insurance company to introduce facilities like cashless claims processes, cash allowances for hospitalization and value add partnerships with top institutions to have extended market research.

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      Choose Royal Sundaram Health Insurance Coverage of Your Choice

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      Royal Sundaram Health Insurance

      Royal Sundaram Health Insurance Plans

      Royal Sundaram Insurance Company offers a comprehensive range of health insurance plans to the customers. The list of various health insurance plans offered by Royal Sundaram is given below:

      For individuals/ family
      Min. Age
      91 days
      Max. Age
      No age limit
      Min. Coverage
      ₹ 2 lakh
      Max. Coverage
      ₹ 1.5 lakh
      Min. Age
      91 day
      Max. Age
      No age limit
      Min. Coverage
      ₹ 2 lakh
      Max. Coverage
      ₹ 50 lakh
      Plan name
      Royal Sundaram Hospital Cash Insurance Plan
      For daily hospital cash
      Min. Age
      1 Years
      Max. Age
      70 Years
      Min. Coverage
      ₹ 500 per day
      Max. Coverage
      ₹ 3500 per day
      For critical illness
      Min. Age
      91 days
      Max. Age
      65 years
      Min. Coverage
      ₹ 25,000
      Max. Coverage
      ₹ 2.5 lakh
      *All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C apply.
      View more plans

      Why Buy Royal Sundaram Health Insurance Policy?

      Royal Sundaram health insurance plans offer comprehensive coverage to the policyholder and the insured members in case of any medical emergencies as well as planned hospitalizations. The reason to buy Royal Sundaram health insurance plans are given below:

      • Individual and Family Floater Cover- The plans are available in both individual and family floater options for joint families in India ( upto 19 different relations) to ensure a healthy and happy family. The policyholder can get the dependent children and parents covered under the same plan.
      • Higher Sum Insured Options- With the increasing cost of healthcare in India and abroad it is recommended for all to buy an adequate health insurance cover and the policy sum assured can go as high as Rs 1.5 Crore, which would help cover all the major medical expenses
      • Lifetime Renewal- The plans offer lifetime renewability option to the insured members
      • No Upper-age Limit- Adults Above the age of 18 can buy this plan without any maximum age limit criteria
      • Worldwide Emergency Hospitalization Cover- One of the best features of Royal Sundaram health plans is that it offers global emergency hospitalization cover and worldwide treatment for 11 life-threatening medical conditions
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      Let us discuss each insurance plan in detail
      Royal Sundaram Lifeline Classic Health Insurance Plan

      Royal Sundaram Lifeline Classic health is a health insurance plan that can be purchased by anyone above the age of 18 years. Even children can be covered in the same plan Checkout what the plan has to offer in detail below:

      Plan Type

      Individual/Family Floater

      Age Criteria

      Adults: 18 years and above
      Children: 91 days to 25 years

      Sum Insured

      Rs 2-4 lakh

      Policy Term

      1,2,3 years

      No-claim-bonus

      10-50%

      Features and Benefits:

      • The policy covers inpatient hospitalization expenses such as nursing and boarding charges, OT and ICU charges, vaccinations, doctor fees, medicines etc.
      • Pre-hospitalization expenses are covered for 30 days and Post-hospitalization expenses are covered for 60 days up the sum insured limit
      • Domiciliary hospitalization expenses are also included
      • AYUSH Treatment expenses cover in government hospitals
      • Annual health check-up facility after 3-years is also provided
      • All the daycare treatment expenses are reimbursed under this plan
      Read more
      Royal Sundaram Lifeline Supreme Health Insurance Plan

      Royal Sundaram Lifeline Supreme is a health insurance plan that offers sum insured coverage up to Rs 50 lakh. It can be purchased on both individual and family floater basis. The policy details are mentioned as under:

      Plan Type

      Individual/Family Floater

      Sum Insured

      Rs 5- 50 lakh

      No-claim-bonus

      20-100%

      Restoration of Sum Insured

      Up to the base sum insured

      Pre and post hospitalization expenses

      60/90 days

      Age Criteria

      Adults: 18 years & above
      Children:  91 days to 25 years

      Features and Benefits:

      • The insured can avail second medical opinion cover for 11 major critical illnesses
      • The plan also reimburses expenses incurred on emergency domestic evacuation
      • Ambulance cover can be extended to Rs. 5,000.
      • The policy also compensates for organ donor expenses up to the sum insured limit
      • 20% to 100% of No-claim bonus (NCB) benefit can be availed for not filing a claim during the policy term
      • Domiciliary hospitalization expenses are also paid for
      • AYUSH Treatment expenses cover in government hospitals
      • Annual health check-up facility is also provided
      • And the limit for Domestic evacuation cover up to Rs 1 lakh
      Read more
      Royal Sundaram Lifeline Elite Insurance Plan

       Royal Sundaram Lifeline Elite is an all-inclusive health insurance plan. It offers some of the unique and comprehensive health insurance coverage benefits ranging from worldwide emergency cover to critical illness cover. The policy coverage benefits are mentioned below:

      Plan Type

      Individual/Family Floater

      Sum Insured

      Rs 25-1 Crore

      No-claim-bonus

      20-100%

      Restoration of Sum Insured

      Up to the base sum insured

      Pre and post hospitalization expenses

      60/180 days

      Features and Benefits:

      • The policyholder has an option to include the US and Canada for Worldwide Emergency Hospitalization and International Treatment for 11 specified critical illnesses
      • The policy also covers ambulance charges
      • Coverage is provided for a maximum of 2 deliveries with newborn baby care up to 25% of SI and vaccinations for one year
      • The plan also offers worldwide emergency hospitalization cover
      • For not filing a claim during the policy term the insured can avail NCB ranging from 20% to 100%
      • It also offers 60 days pre and 180 days post-hospitalization cover
      • AYUSH Treatment expenses in government hospitals are covered as well
      Read more
      Royal Sundaram Family Plus Plan

      Royal Sundaram Family Plus is a comprehensive health insurance plan that offers coverage to large Indian families at an affordable premium cost. The policyholder can cover up to 19 members of the family under the same plan. Check out the plan features in detail below:

      Plan Type

      Individual/Family Floater 

      Sum Insured on Individual Basis

      Rs 2 lakh to Rs 15 lakh

      Sum Insured on Family Floater Basis

      Rs 3 lakh to Rs 50 lakh

      Age Criteria

      18 years and above for adults

      91 days and above for children 

      there is no upper age limit under this plan

      No Claim Bonus

      20-100%

      Policy Benefits and Features:

      • Upto 19 relationships can be covered under this plan
      • Maternity coverage up to 2 deliveries with nutritional allowance benefit is offered under this plan
      • The policy offers restoration of base sum insured
      • For 5 claim-free years, the insured can get double the base sum insured
      • The policy covers Ayush treatment expenses, domiciliary hospitalization, organ donor expenses, hospitalization expenses, ambulance charges, etc
      • Second medical opinion for 11 critical illnesses is provided
      • The insured can also avail emergency domestic evacuation cover up to Rs 1 lakh
      • Health and wellness program services can be availed by the policyholder
      Read more
      Royal Sundaram Hospital Cash Allowance

      Royal Sundaram hospital cash allowance is the health insurance policy that covers additional expenses that covers expenses in addition to the hospitalization expenses such as commuting expenses from hospital to home and back, patients’ diet, attender’s stay etc. This policy can be purchased along with your basic health plan and the coverage benefits are given below:

      Plan Type

      Individual/Family Floater 

      Renewability

      Lifelong

      Discount

      10%

      Age Criteria

      1-65 years

      Features and Benefits:

      • Royal Sundaram hospital cash allowance policy offers coverage to self, spouse, dependent children, and dependent parents
      • The policy holder can avail 10% discount on the total premium on ensuring more than 3 family members under the same plan
      • The policy recompenses for accident with double cash benefit
      • Triple cash benefit this provided in case of emergency admission to the ICU
      • Medical treatment and surgeries
      Read more
      View more plans

      Royal Sundaram Health Insurance Policy Coverage:

      The insured can avail following benefits on purchase of Royal Sundaram health insurance plans:

      • Free health-check-up is provided after 4 claim-free years
      • You can avail a No Claim Bonus of 5% to 50% for each claim-free year
      • Pre-existing illness will be covered after 3-years of continuous policy renewal
      • The insured can avail cashless hospitalization in over 3000 plus network hospitals
      • The policy covers 147 daycare procedures
      • Pre and Post Hospitalization expenses are also covered
      • Royal Sundaram health insurance offers lifelong renewability option
      • Maternity coverage is offered under the plans
      • Pre-existing coverage after 3 years of the waiting period
      • The insurer also offers a cumulative bonus for every claim-free years from 5% up to 50%
      • Tax Benefits are offered under section 80(D) on all the health insurance premiums
      • Sum Insured can be enhanced by 50% in case of accidents
      Read More

      Premium Payable and Zonal Pricing

      Royal Sundaram health insurance premium is formulated on the following basis:

      • Applicant’s sum insured and age
      • Applicant’s zone or location

      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

      The concept of “zonal pricing” is 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

      Read More

      How to  Buy Royal Sundaram Health Insurance Online?

      Policy Bazaar follows a seamless online purchase process. You can conveniently buy Royal Sundaram health insurance plans for self, parents, family and senior citizens by comparing it online on Policy Bazaar’s website. By purchasing g the policy online, you can save both time and efforts. Elucidated below are steps that you can follow to buy your Royal Sundaram health insurance plan online-

      • Visit their site and select the buy health insurance option
      • Select your health insurance plan options
      • Check the plan details and the premium amount
      • Once you are sure, you can pay online and instantaneously policy will be purchase and mailed on your email id
      • Policy documents will be sent on the registered residential address
      Read More

      Procedure for Claim Reimbursement of Royal Sundaram Health Insurance Policy

      The policyholder can file Royal Sundaram Health Insurance claims in two ways i.e. cashless and reimbursement claims

      For claim intimation the following important details are required:

      • Royal Sundaram health insurance policy number
      • Starting date of the symptoms of the illness
      • Hospital Name
      • Contact details such as phone number, email id, residential address, of the policyholder/applicant
      • Name of the patient or insured who is undergoing treatment
      • Nature of illness
      • For accidental hospitalization claims, furnish the insurer with the accident details such as date, time, and location are required
      Read More

      Royal Sundaram Reimbursement Claim Procedure

      Reimbursement claim can be filed for treatment taken in a non-network hospital and steps go as follows-

      • Fill, sign, and submit the policy claim form within a month of discharge from the hospital
      • If everything goes fine the money is recompensed within 30 days of lodging the claim
      • In case of any discrepancy or rejection, the insurer will send a rejection letter within 7 days
      • The amount is paid in the name of applicant/proposer

      All the documents would need to be submitted at Royal Sundaram’s General Insurance branch office

      Royal Sundaram Cashless Claim Procedure with in India

      • For planned hospitalizations, inform the TPA and get a cashless authorization in 72 hours before hospitalization
      • In case of an emergency, the inform the TPA within 24 hours of the hospitalization
      • Fill and submit the cashless authorization form to the Third-party Administrator
      • Submit duly filled claim form, documents required to the TPA department. In case of discrepancy, the TPA will inform within 4 hours of receiving it
      • Any additional costs need to be borne by the policyholder
      • The insurer will send a rejection letter within 2 hours for illnesses that are not covered in the plan
      Read More

      Royal Sundaram Cashless Claim Procedure for Worldwide Hospitalization

      • To file a claim for emergency hospitalization overseas, report to the insurer within the 24 hours of getting hospitalized
      • The insurer will verify the claim required
      • Once pre-authorization request gets approved, the insurance company will settle the hospital expenses directly
      • Any additional costs need to be borne by the policyholder

      Royal Sundaram International Claim Procedure

      The insurer offers international health cover for 11 specified critical illnesses and the process goes as follows:

      • The insurer to be Immediately informed upon diagnosis of the illnesses covered. In case of overseas travel, you need to inform the insurer and request for a pre-authorization Upon pre-authorization request approval, the expenses will be settled directly by the insurer
      • You just need to pay the additional charges ( if any)
      • In case of emergency hospitalization, inform the insurer within 24 hours of getting admitted. In case of planned hospitalization, inform the insurer 48 hours before hospitalization.

      Royal Sundaram Health Insurance Renewal

      The renewal of Royal Sundaram health insurance policies is important to enjoy the policy benefits in continuation. You must renew the policy before the date of expiry. However, if you fail to renew on the due date or before the due date, a grace period is given to avoid the lapse of your health policy.

      Royal Sundaram health insurance renewal online is convenient and easy. You can renew your Royal Sundaram Health Insurance policy online through the Policy Bazaar’s website.

      You have to follow the steps mentioned below in order to carry out Royal Sundaram Insurance Renewal:

      Step 1: Visit Policy Bazaar online portal and go to their health insurance renewal page

      Step 2: Hit the ‘Renewal’ option in order to begin the Royal Sundaram Health Insurance Renewal Online.

      Step 3: Subsequently, you will be redirected to another web page. Here you will be required to feed the necessary details of your policy such as name, policy number along with the date of expiry. Once you’ve entered the details, click the ‘Submit’ tab.

      Step 4: Thereafter, you would know the premium quotes. After that, make the payment digitally in order to complete the renewal process online.

      Step 5: Once you’re done with the payment, you’ll get a renewal completion document on your registered email ID.

      Read More

      Royal Sundaram General Insurance Contact Details

      C/o Customer Services, Royal Sundaram General Insurance Co. Ltd.

      Vishranthi Melaram Towers,

      No. 2/319, Rajiv Gandhi Salai, (OMR) Karapakkam,

      Chennai – 600 097

      Royal Sundaram Health Insurance - FAQs

      View more FAQ’s

      Royal Sundaram Health Insurance - Latest News

      • Royal Sundaram General Insurance is health insurance partner for health expo at Chennai

        The Hindu health, fitness and lifestyle expo 2015 has started at the Chennai trade centre, Nandampakkam. Royal Sundaram general insurance is health insurance partner for the expo. The health expo is show casing different health and fitness product and services available I the Indian market. The health expo will be start at 10:30 a.m to 8p.m on Sunday. Catch E and Tamilnadu Salt Corporation limited are co-sponsoring the health event. United India Insurance Company limited is general insurance partner for event.
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      • 50,000 claims approved in last 15 months*
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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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      Royal Sundaram Health Insurance Reviews & Ratings

      4.3 / 5 (Based on 71 Reviews)
      (Showing Newest 10 reviews)
      Hitesh
      J.n.prasad, April 08, 2021
      Cashless Claim
      I have a Family Plus policy from Royal Sundaram that I purchased from Policybazaar. My wife gave birth to my first child and we had to raise a claim for covering the hospital bills. Our hospital was covered for cashless treatment. I followed the process for cashless claim and I had to pay nothing at the hospital. It made our whole experience hassle-free.
      Prashant
      Zankhvav, April 07, 2021
      Great Services
      I had purchased Royal Sundaram health insurance policy from policybazaar.com. But last week my brother got hospitalized and I had to raise a claim. I called up customer service and they helped me to file my claim and told me about the documents to submit. The claim has been approved all thanks to the customer team. Thank you for the amazing services.
      Juhi
      Waghai, April 07, 2021
      Best Family Policy
      I was looking to get a family health policy and tried Policybazaar. I compared several plans and bought the Family Plus plan from Royal Sundaram. It can cover 19 members of my members and also offers maternity cover from my wife. I am satisfied with my purchase and it is the best family plan. Must buy for families.
      Kavya
      Odagoan, April 06, 2021
      Good for Comparison
      I wanted to buy health insurance policy but was unsure about which to buy. I came to Policybazaar and found health plans from various companies. The website helped me to compare these plans and I bought Royal Sundaram health insurance policy as it fitted my budget. You can buy it online. I recommend it to everybody.
      Navya
      R.k.nagar, April 06, 2021
      Amazing Plan
      Last month, I purchased the Royal Sundaram Lifeline plan at policybazaar.com. The website had multiple health plans but after comparison, I found this plan most suitable for myself. It covers medical expenses and also recharges sum insured on finishing for less premium. The payment process was online and I received my policy within minutes. You can also give it a try.
      Pardeep
      Fakirpur, February 25, 2021
      Customer centric team
      The policybazaar team is customer centric in nature. I really like it and customer care team is really supportive in nature. I was facing some issue related to my car claim and the customer care of policybazaar has helped me in getting the same as early as possible. Thanks team.
      Himadri
      J.n.prasad, February 25, 2021
      Great deals at one place
      I bought a Royal Sundaram health insurance policy from policy bazaar and I was amazed to see that there are so many plans available at one place only and you can buy the one that fits your needs. Thanks Policybazaar. Keep it up.
      Puneet
      Ladnun, February 25, 2021
      Precise website
      It does not happen very often that you go on a website and get what you were looking for and come out buying but that’s what happened with me when I went on policybazaar’s website to buy a health insurance policy and the content was so precise that I actually bought the policy I was looking for without facing any problem.
      Shailender
      Fakirpur, February 25, 2021
      Knowledgeable team
      The policybazaar’s team is so knowledgeable that they had all the answers to my query on the top of their head and helped me find the right plan for my family. Now I am a holder of Royal sundaram’s lifeline supreme and it totally works for me.
      Ansh
      Habra, February 23, 2021
      Easy claim process
      I am a Royal Sundaram lifeline classic policy holder and when I was hospitalized, the claiming process was hassle-free as the policybazaar executive assisted me how to get it done. Thanks team
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