Royal Sundaram Health Insurance

4.2 / 5 based on 33 User Reviews
*Please note that the quotes shown will be from our partners

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 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 Plans
  • Hospital Cash 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 Plan
  • Lifeline Supreme Health Plan
  • Lifeline Elite Plan

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

 

Lifeline Classic Health Plan

Lifeline Supreme Health Plan

Lifeline Elite Health Plan

Sum Insured

2- 4 lakhs

5, 10, 15, 20, 50 lakhs

25,30, 50, 100, 150 lakhs

Base Cover Benefits

     

Impatient Care

Covered Upto Sum Insured

Covered Upto Sum Insured

Covered Upto Sum Insured

All Day Care Expenses

Covered Upto Sum Insured

Covered Upto Sum Insured

Covered Upto Sum Insured

Pre and Post Hospitalization Expenses

30/60 days, covered upto sum insured

60/90 days, covered upto sum insured

60/180 days, covered upto sum insured

Organ Donor Expenses

Covered Upto Sum Insured

Covered Upto Sum Insured

Covered Upto Sum Insured

Ambulance Coverage

Upto Rs 3000

Upto Rs 5000

Upto Rs 10000

Other Benefits

     

No Claim Bonus

10% of Base sum insured upto a max of 50% of sum insured

20% of Base sum insured upto a max of 100% of sum insured

20% of Base sum insured upto a max of 100% of sum insured

Domiciliary Hospitalization

Covered Upto Sum Insured

Covered Upto Sum Insured

Covered Upto Sum Insured

Re-load od Sum Insured

Upto base Sum Insured

Upto base Sum Insured

Upto base Sum Insured

Ayush Treatment

Government Hospital: Coverage upto sum insured. Other Hospitals: coverage upto Rs 20000

Government Hospital: Coverage upto sum insured. Other Hospitals: coverage upto Rs 30000

Government Hospital: Coverage upto sum insured. Other Hospitals: coverage upto Rs 50000

Emergency Domestic Evacuation

Not Covered

Coverage upto Rs 1 lakh

Covered upto Rs 3 lakhs

Vaccination in case of Animal Bite

Upto Rs 2500

Upto Rs 5000

Upto Rs 7500

Worldwide Emergency Hospitalization

Not Covered

Not Covered

50% of Base sum insured upto a max of Rs 20 lakhs. Deductible of $1000 per hospitalization

International Treatment abroad for specific 11 critical illnesses

Not Covered

Not Covered

Covered upto sum insured , return airfare covered upro Rs 3 lakhs.

Health and Wellness Benefit

     

Health Check up

Once in 2 years

Annual

Annual

Second opinion for 11 critical illnesses

Not Covered

Once during policy year

Once during policy year

Preventive Healthcare and wellness

Available

Available

Available

OPD Treatment

Not Covered

Not Covered

Upto Rs 10000

Maternity Benefits

     

Maternity coverage upto 2 deliveries

Not Covered

Not Covered

For Sum Insured upto 50 Lakhs: Rs 2 lakhs.

For Sum Insured > 50 Lakhs: Rs 2.5 lakhs

New Born Baby

Not Covered

Not Covered

25% of Sum Insured

Vaccinations for new born baby the first year

Not Covered

Not Covered

Upto Rs 10000

Optional Benefits

     

Hospital cash

Rs 1000/day

Rs 2000/day

Rs 5000/day

Top up plan on annual aggregate basis

Deductible of Rs 1,2,3,4,5 and 10 lakhs

Deductible of Rs 1,2,3,4,5 and 10 lakhs

Not available

Option to include US and Canada for Worldwide Emergency Hospitalization and International Treatment for 11 specified critical illnesses.

Not Available

Not Available

Available

 

Eligibility:

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 policy. A maximum of 6 members can be covered under a single lifeline insurance plan.

Policy Tenure:

The 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:

  • 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 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

  • 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 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.

Requisite Documents:

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 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:

  • 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:

Benefits

Silver Plan

Gold Plan

ICU Benefit

Rs 1500/ day

Rs 3000/ day

Convalescence Benefit

Rs 7500 ( Lumpsum)

Rs 15000 ( Lumpsum)

Accident Hospital Confinement

Rs 1000/ day

Rs 2000/ day

Illness Hospital Confinement

RS 500/ day

Rs 1000/day

Age of Insured ( Years)

   

1-45

Rs 812

Rs 1522

46-60

Rs 1218

Rs 2334

61-65

Rs 1623

Rs 3145

66 years & above ( only for renewals)

Rs 1623

Rs 3145

 

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 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.

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.

Royal Sundaram Health Insurance Reviews

TOTAL REVIEWS (33)
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