Royal Sundaram Health Insurance

Royal Sundaram Health Insurance

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.

Royal Sundaram Health Insurance at a Glance:

Key Features

Highlights

Network Hospitals

3000+

Incurred Claim Ratio

61.41

Renewability

Lifelong

Waiting Period

3 years

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 health insurance 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 Insurance Plans
  • Hospital Cash Health Insurance 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 Insurance Plan
  • Lifeline Supreme Health Insurance Plan
  • Lifeline Elite Insurance Plan

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

 

Royal Sundaram Lifeline Classic Health Plan

Royal Sundaram Lifeline Supreme Health Plan

Royal Sundaram 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 for Royal Sundaram Health Insurance Policy

Any individual aged between 18 years can apply for this Royal Sundaram mediclaim 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 health insurance policy. A maximum of 6 members can be covered under a single lifeline insurance plan.

Policy Tenure

Royal Sundaram mediclaim policy comes in the duration of 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 premium amount for Royal Sundaram mediclaim is formulated on the following basis:

  1. Applicant’s sum insured and age
  2. 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 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 of Royal Sundaram Health Insurance Policy

  • 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:
  • Name of the insured person
  • Hospital details
  • Treating Doctors name
  • Diagnosis
  • Date of Hospitalization
  • Expected Discharge

Health and Wellness Portal

Health and Wellness Portal is available to the customers which update the customers about the health insurance tips and articles and keep them well informed.

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 health insurance 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 Renewal

You must not ignore Royal Sundaram Insurance Renewal as it aids to keep the coverage of the policy in continuation. Royal Sundaram health insurance renewal online is convenient and easy.

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. You can renew your Royal Sundaram Health Insurance policy online through the official website of the insurance provider.

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

Step 1: Log into the official website of Royal Sundaram General Insurance Company.

Step 2: Hit the ‘Insta Renew’ 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’’’ 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.

You can also make the payment via cheque by mailing the cheque to:

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

Vishranthi Melaram Towers,

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

Chennai – 600 097

For further assistance on the renewal process, SMS MRENEW < Policy Number> and send it to 567675.

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: 21 November 2019
Average Rating
/ 5
(Based on Reviews)
Newsletter
Sign up for newsletter
Sign up our newsletter and get email about health plans.

Royal Sundaram Health Insurance Reviews & Rating

/ 5 (Based on Reviews)(Showing Newest 15 Reviews)
icon

Manoj

Pune, July 25, 2016
star filledstar filledstar filledstar filledstar filled
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.
icon

Himanshu

Ghatal, July 08, 2016
star filledstar filledstar filledstar outlinestar outline
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.
icon

Tanisha

Bhopal, June 24, 2016
star filledstar filledstar filledstar outlinestar outline
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 ...
icon

P

Chennai, March 12, 2016
star filledstar filledstar filledstar filledstar filled
LifeLine
Really It Was Good Royal Sundaram Giving Good service while taking the policy and for claim service also
icon

Lokesh

Delhi, March 10, 2016
star filledstar filledstar filledstar outlinestar outline
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 wor...
icon

Devesh

Gurgaon, March 10, 2016
star filledstar filledstar filledstar filledstar outline
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.
icon

Anuj

Raj_nagar, March 10, 2016
star filledstar filledstar filledstar outlinestar outline
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.
icon

Anubhav

Noida, March 10, 2016
star filledstar filledstar filledstar outlinestar outline
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.
icon

Hemant

Rameswaram, March 10, 2016
star filledstar filledstar filledstar filledstar outline
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.
icon

Chirag

Shajapur, March 10, 2016
star filledstar filledstar filledstar outlinestar outline
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.
icon

Malay

Meerut, March 10, 2016
star filledstar filledstar outlinestar outlinestar outline
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.
icon

Astha

Greater_noida, March 10, 2016
star filledstar filledstar filledstar filledstar outline
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.
icon

Gunjan

Gangapur, March 10, 2016
star filledstar filledstar filledstar filledstar outline
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.
icon

Manish

Uttamnagar, March 10, 2016
star filledstar filledstar filledstar outlinestar outline
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.
icon

Rahul

Kheda, March 10, 2016
star filledstar filledstar filledstar filledstar filled
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.

Health Insurance Articles

Top 10 Best Health Insurance Plans

Top 10 Best Health Insurance Plans

Health insurance is one of the most complicated insurance products. It comes with numerous riders and benefits which gives rise to several types of health insurance plans. With the ever-soaring healthcare costs in India, it is imperative to buy the r...
Top 10 Health Insurance Companies in India

Top 10 Health Insurance Companies in India

Every year, Insurance Regulatory and Development Authority of India (IRDA) announces a list of health insurance companies. There are few important features that help it to rate the insurance companies, such as their performances, Incurred Claim Ratio...
Top 5 Maternity Insurance Plans

Top 5 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 hosp...
List of Health Insurance Companies in India

List of Health Insurance Companies in India

A quiet revolution has swept through India’s health care sector in the past five years- best evidenced in the fact that now nearly 27% of the nation’s population is insured. The Indian healthcare sector is projected to continue its rapid expansio...
Top 8 Family Health Insurance Policies for 2019

Top 8 Family Health Insurance Policies for 2019

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. And...