Get insured from the comfort of your home No medicals required

Tell us about you

Royal Sundaram Health Insurance

*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

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.

 

Royal Sundaram Health Insurance at a Glance:

Key Features

Highlights

Network Hospitals

3000+

Incurred Claim Ratio (2018-19)

61%

Renewability

Lifelong

Waiting Period

3 years

Policy Tenure Options

1,2,3 years

Restoration of Sum Insured

Up to the base sum insured

Grace Period

30 days

No-claim-Bonus

In some plans the No-claim-bonus is 10% to 50% and in some plans, it ranges from 10% to 100%

Daycare procedures

Up to 200

Vaccination Charges

In case of animal bite


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

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

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:

  • 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
  • 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
  • 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
  • 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
  • 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

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

Royal Sundaram Health Insurance- FAQs

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.
Written By: PolicyBazaar - Updated: 02 July 2020
673,165 Confirmed Cases in India*
11,812,443 Confirmed Cases worldwide*
528,465 Confirmed deaths worldwide*
Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
Average Rating
(Based on 33 Reviews)
Newsletter
Sign up for newsletter
Sign up our newsletter and get email about health plans.
Royal Sundaram Health Insurance Reviews & Ratings
4.2 / 5 (Based on 33 Reviews)
(Showing Newest 15 reviews)
Manoj
Pune, July 25, 2016
Sundaram Health Policy
The health insurance policy I have is from royal sundaram general insurance. The policy is great and more benefits in less premiums. Easy renewals on online portal service and the updates also can be seen too regarding insurance policy.
Himanshu
Ghatal, July 08, 2016
Health Care
I have health insurance plan like every one does, but my insurance policy premium is less. Policy coverage is high and claims are even better. The large number of hospitals are there which facilitate fast services to the customers.
Tanisha
Bhopal, June 24, 2016
Best Health Plan
My health insurance plan is the best which provide me best returns. Policy coverage is high which provide's ambulance service for both sides i.e., pick and drop at any locations. Claims are easy to sanctioned due to fast service from the company side. Good number of hospitals make faster and easier treatment which are safe and secure.
P
Chennai, March 12, 2016
LifeLine
Really It Was Good Royal Sundaram Giving Good service while taking the policy and for claim service also
Lokesh
Delhi, March 10, 2016
Good.
I have good health insurance policy plan with royal sundaram general insurance. Policy coverage is 50% and the claims are high. Premiums are low. Number of hospitals are there for providing services. Claiming procedure is easy and ambulance is facilitate for free of any charges. Good policy good work.
Devesh
Gurgaon, March 10, 2016
Fair plan for health.
I recently buy the health insurance from royal sundaram general insurance. Policy coverage and claims are high and the investments are low. Returning amount is approx. Rs.2.4 L. Ambulance is free but not available for anytime. Good Service from executives and staff.
Anuj
Raj_nagar, March 10, 2016
Not bad
An average health insurance policy plan i have got from royal sundaram general insurance. Policy coverage is 60% and the claims are ~Rs.2.7 L. Claiming process is easy due to fast services. Ambulance is also there for free. Keep up team.
Anubhav
Noida, March 10, 2016
Bad service.
Policy coverage is 80% and claims are around Rs.3 L, even ambulance is take some percent charges of the bill and the premiums are low but the service is slow. Please improve you service royal sundaram general insurance. Rest all thing are good in your health insurance plan.
Hemant
Rameswaram, March 10, 2016
above average
I own health insurance policy plan with royal sundaram general insurance. It has 80% policy coverage and the claims are easily sanctioned because of fast services you provided. Ambulance is facilitate for free of cost and huge number of the hospitals are there for service.
Chirag
Shajapur, March 10, 2016
Okay Policy Plan.
My health insurance is with royal sundaram general insurance. Basically it is an average policy plan which has low premiums as well as returns. Policy coverage and claims are okay. Ambulance is free of any charges but the service is slow. Improve your services.
Malay
Meerut, March 10, 2016
Not Satisfactory.
My policy plan is not good at all. I don't like it. Royal sundaram general insurance provides me health insurance policy plan. Policy coverage and claims are not good and even the premiums are high. Ambulance is not for free it take charges to provide services.
Astha
Greater_noida, March 10, 2016
Nice Health Policy.
I have my health insurance policy plan like every one else. Policy is with royal sundaram general insurance. Policy coverage and claims are also nice with less investments. Ambulance is on service for free and services are really very fast and on the.
Gunjan
Gangapur, March 10, 2016
Very nice.
My Health policy plan is very nice because it has great benefits with low premiums. Policy coverage and claims are high and return amount is approx. rs.3.7 L. Service is always on time with full taking care of it. Large number of hospitals are present and working with you guys.
Manish
Uttamnagar, March 10, 2016
Fine Plan.
The service provided by the royal sundaram general insurance is the very good and fast. I bought health insurance policy plan from them and really happy to buy it. The policy coverage and claims are high and the premiums are low. Nice work.
Rahul
Kheda, March 10, 2016
Best Plan Ever.
Royal sundaram general insurance provides me health insurance policy plan. This plan had all staff, policy coverage is 98%, Claims are approx. Rs.3.5 L, Service is fast like paradox and even the ambulance is facilitate for free of any charges. I like this policy plan.
Vikas
Bikaner, March 10, 2016
Great plan!
My health insurance policy plan is the best because i buy it from royal sundaram general insurance. Many benefits are there like ambulance is providing service from door steps to hospital and then return home. Policy coverage and claims are high but the premiums are medium. Nice policy plan.
Vishal
Bhubaneshwar, March 10, 2016
Good Policy Coverage.
My policy plan is health insurance with royal sundaram general insurance. Service you provided is great and very fast too. Claims are high and premiums are low. Policy coverage is around 98% the best thing in this policy. Happy with the plan.
Tarun
Kanpur, March 10, 2016
Claiming Issue
I have health insurance with royal sundaram general insurance. The policy is covering 60% of the health issues. Service is also nice with fast and taking care the situations. Claims are not that good and the claiming procedure is not good. Long time it will take to sanctioned. Ambulance take charges for giving service.
Gaurav
Hyderabad, March 09, 2016
Less coverage.
My health insurance policy plan has almost all stuff just the policy coverage is very less ~30% but rather than this all are fine like claims are approx. Rs.3 L. Ambulance is also facilitate for free of any charges. Service very quick so the claims are easily sanctioned. Great work.
Manav
Mysore, March 09, 2016
Fair plan.
My health insurance policy plan is with royal sundaram general insurance. Policy coverage is 60% and the claims are ~rs.1.9 L. The claiming process is very easy and no paper work. Ambulance take charges. Just increase your range of hospitals.
Jitender
Faridabad, March 09, 2016
Perfect Policy Plan.
I got health insurance policy plan by taking advice of my friend. Thanks,royal sundaram general insurance for such a nice policy plan with great benefits. Ambulance don't take any charges, Claims and policy coverage are high and the premiums are low.
Omesh
Delhi, March 09, 2016
Fantastic plan.
I own health insurance policy plan from royal sundaram general insurance. Claims are Rs.2.1 lakhs and the policy coverage is areound 80% but service of your web page is slow please improve it. Executives are behave well and all issues are solved with nice care.
Gaganpreet
Amritsar, March 09, 2016
Good Plan.
I found really good health insurance policy plan from royal sundaram general insurance. Claims and policy coverage is high and the premiums are low. Around 2.1 lakhs are claimed and easily sanctioned because of fast services.
Joginder
Ahmedpur, March 09, 2016
Nice Health Policy.
I buy health insurance policy plan from royal sundaram general insurance. Policy coverage is fantastic ~80% and the claims are easily sanctioned due to fast services provided by executives. Ambulance is also facilitate for free. Great work.
Yogesh
Pune, March 01, 2016
Perfect Policy.
Royal sundaram health insurance policy plan i purchase last month by taking advice of piolicybazaar agent. Really good policy having high policy coverage and claims, even the premium is very low. I like it.
Plan Name: Lifeline Supreme
Agent Code: BPW01951

Top Articles

Best Health Insurance Plans in India 2020

Best Health Insurance Plans in India 2020

Health insurance is amongst the most intricate insurance products, as it comes with numerous riders and benefits, and hence, there are so many variants to it. The insurance marketplace nationwide is quite competitive. You must consider comparing th...
Best Health Insurance Companies in India

Best Health Insurance Companies in India

Every year, a list of top health insurance companies in India is declared which helps in taking the right insurance decision. There are few important features that help it to rate the insurance companies, such as their performances, Incurred Claim ...
Top Maternity Insurance Plans

Top Maternity Insurance Plans

Maternity or pregnancy is an important phase of life, and one needs to prepare in advance to embrace parenthood. Though rearing a child is an expensive affair and may require good financial backup to meet the requirements of a growing baby. From ho...
Health Insurance Companies in India

Health Insurance Companies in India

There are lots of options as far as health insurance companies are concerned as both public as well as private health insurance providers are offering health insurance coverage in India. Every health insurance company offers different health insura...
Top Family Health Insurance Policies in India 2020

Top Family Health Insurance Policies in India 2020

From the air we breathe to the food we eat; everything is intentionally or unintentionally subjected to adulteration. Due to this, the disease rate in India is rising drastically. Naturally, more and more people are visiting hospitals frequently. A...