Royal Sundaram Health Insurance

Royal Sundaram Health Insurance Overview

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.

Royal Sundaram Health Insurance at a Glance:

Royal Sundaram Health Insurance Benefits

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

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

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C apply.

List of Royal Sundaram Health Insurance Plans

Royal Sundaram offers some of the best health insurance plans in India. Check them out in detail below:

• Royal Sundaram Lifeline Health Insurance Plans- Lifeline Classic, Supreme, and Elite
• Royal Sundaram Family Plus Health Insurance Plan
• Royal Sundaram Hospital Cash Allowance Plan

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

Royal Sundaram Lifeline Health Insurance Plans

Royal Sundaram Lifeline Health Insurance Plans is a type of insurance plan that an individual can take for himself or his family. Royal Sundaram health insurance plans can be purchased by an individual above 18 years of age. Dependent children more than 91 days old and less than 25 years of age can be included by the insured parents under the same plan.

Royal Sundaram health insurance policy can cover a maximum of 6 members under a single lifeline insurance plan. Royal Sundaram Mediclaim policy comes in the duration of 1, 2 and 3 years respectively. And the applicants can avail special discount on the policy premium ranging from 7.5% to 12% if one opts for 2 years and 3 years of tenure respectively.

Lifeline health insurance plan comes in three variants i.e. Classic, Supreme, and Elite and the details are given below:

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

Royal Sundaram Health and Wellness Portal

Royal Sundaram Health and Wellness Portal is available to the policyholder that provides them updates like health insurance tips and articles and keeps them well informed.

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

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C apply.

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

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

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.

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

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