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:

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:

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