*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 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 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:
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:
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 |
Sum Insured |
Rs 2-4 lakh |
Policy Term |
1,2,3 years |
No-claim-bonus |
10-50% |
Features and Benefits:
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 |
Features and Benefits:
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:
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:
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:
The insured can avail following benefits on purchase of Royal Sundaram health insurance plans:
Royal Sundaram health insurance premium is formulated on the following basis:
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
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-
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:
Reimbursement claim can be filed for treatment taken in a non-network hospital and steps go as follows-
All the documents would need to be submitted at Royal Sundaram’s General Insurance branch office
The insurer offers international health cover for 11 specified critical illnesses and the process goes as follows:
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.
C/o Customer Services, Royal Sundaram General Insurance Co. Ltd.
Vishranthi Melaram Towers,
No. 2/319, Rajiv Gandhi Salai, (OMR) Karapakkam,
Chennai – 600 097