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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:
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Key Features |
Highlights |
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Network Hospitals |
3000+ |
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Incurred Claim Ratio (2018-19) |
61% |
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Renewability |
Lifelong |
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Waiting Period |
3 years |
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Policy Tenure Options |
1,2,3 years |
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Restoration of Sum Insured |
Up to the base sum insured |
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Grace Period |
30 days |
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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 |
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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:
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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 yearsSum 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
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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 yearsFeatures 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
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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
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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
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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
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Q1. How to pay a Royal sundaram Health Insurance premium? What are the modes of payment available?
Ans: The Royal Sundaram Health Insurance offers 2 modes of premium payment namely:- Cash payment at the branch
- Online Payment
- Credit Card
- Debit Card
- Net banking
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Q2. How can I check Royal Sundaram Health Insurance policy status?
Ans: If you a registered user, simply log into the Royal Sundaram website with your email id and password and check the status of your Royal Sundaram mediclaim plan. -
Q3. What is the Royal Sundaram Health Insurance policy renewal process?
Ans: 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 -
Q4. How to claim Royal Sundaram Health Insurance Policy?
Ans: 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. -
Q5.What is the cancellation process for Royal Sundaram health insurance policy
Ans: 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
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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: 12 November 2020
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Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
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