Royal Sundaram Health Insurance

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.

• 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

• 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

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

• 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

• 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

• 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

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.