Royal Sundaram Group Health Policy

Royal Sundaram has launched this Health Premium Platinum plan which is a group health/employee health insurance plan. It is a comprehensive package plan that an employer can buy for its employees and their family members. The plan covers hospitalization cost and medical expenses arising out of an illness or injury. Family members include spouse and two dependent children.

The various other benefits of Health Premium Platinum plan are listed below:

Features of Royal Sundaram Group Health Plan

  • With the Health Card, employees are permissible to avail cashless facility in the network hospitals.
  • There are more than 2200 network hospitals across 16 cities where insured employees can avail cashless treatment for his/her ailments without having to pay the hospital bills. If the insured employee fails to take admission in a networke hospital, then the amount will be reimbursed within 15 days of document submission
  • Coverage is provided for outpatient expenses in certain cases
  • The insured employees can have access to 24-hour helplines and free ambulance services
  • The insurer offers access to patients’ medical history and their family members including all the details related to medical history, illness, hospitals, and medicines

Inclusions of Royal Sundaram Group Health Plan

  • Hospitalization Expenses: The insured employees are offered compensation for in-patient hospitalization expenses in the event of an accident or illness up to the sum insured amount. It is applicable on hospitalization for more than 48 hours or 2 days.
  • Pre and Post Hospitalization Expenses: It covers all the medical expenses (as covered under the plan) that were incurred 30 before the hospitalization and also the cost of treatment after 60 days of hospitalization.
  • Out-patient care Expenses: It also covers out-patient treatment costs such as kidney stone removal; eye surgery; tonsillectomy, and D & C.
  • Hospital Cash Allowance: This plan also offers a fixed compensation for each day of hospitalization.
  • Convalescence Benefit:  A fixed amount is compensated if the hospitalization exceeds 21 days.

Additional Benefits of Royal Sundaram Group Health Plan

The coverage can be further enhanced on payment of additional premium. However, this will depend on claim track record and the Company’s profile :

  • Coverage for Maternity
  • Waiver of 30 day waiting period
  • Waiver of first-year exclusions

Exclusions of Royal Sundaram Group Health Plan

This plan does not cover the following expenses:

  • Any illness that was contracted in the initial 30 days of purchasing the policy
  • Any pre-existing diseases/illnesses/injury that was diagnosed before purchasing the policy
  • Pregnancy-related claims
  • Dental surgery or treatment unless it requires hospitalization 
  • Cost of spectacles/contact lenses and hearing aids
  • Certain diseases like cataract, hernia, piles, sinusitis, etc. are not covered in the first of the policy
  • Expenses incurred on Naturopathy, Ayurveda, Homoeopathy, or any other form of local treatment
  • Alcoholism, and drug abuse
  • HIV and AIDS

For details please refer to the policy terms and conditions

Royal Sundaram Health Insurance Claim Procedure

Royal Sundaram follows a simple claim process to make it convenient for their customers. The claim procedure that the insured employees need to follow is listed below:

  • Claim Intimation: The insurer needs to be informed at least 48 before the hospitalization (in case of planned hospitalization), and within 48 hours if it is an emergency hospitalization.
  • Claim Submission: The insured needs to submit the duly signed and filled claim form along with the supporting claim documents. Moreover, the policyholder also needs to furnish the name of the patient, details of the hospital including name, location, contact number, and also the date of hospitalization, and expected discharge, as a part of the claim intimation procedure.

Once all the claim documents are submitted, Royal Sundaram will make the payment for the permissible amount as per the policy terms and conditions.

To check more details, please refer to the Royal Sundaram Group health insurance policy wordings.

Written By: PolicyBazaar - Updated: 09 January 2020
Average Rating
(Based on 33 Reviews)
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Royal Sundaram Group Health Policy Reviews & Ratings
4.2 / 5 (Based on 33 Reviews)
(Showing Newest 15 reviews)
Manoj
Pune, July 25, 2016
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.
Himanshu
Ghatal, July 08, 2016
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.
Tanisha
Bhopal, June 24, 2016
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 treatment which are safe and secure.
P
Chennai, March 12, 2016
LifeLine
Really It Was Good Royal Sundaram Giving Good service while taking the policy and for claim service also
Lokesh
Delhi, March 10, 2016
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 work.
Devesh
Gurgaon, March 10, 2016
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.
Anuj
Raj_nagar, March 10, 2016
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.
Anubhav
Noida, March 10, 2016
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.
Hemant
Rameswaram, March 10, 2016
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.
Chirag
Shajapur, March 10, 2016
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.
Malay
Meerut, March 10, 2016
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.
Astha
Greater_noida, March 10, 2016
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.
Gunjan
Gangapur, March 10, 2016
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.
Manish
Uttamnagar, March 10, 2016
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.
Rahul
Kheda, March 10, 2016
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.
Vikas
Bikaner, March 10, 2016
Great plan!
My health insurance policy plan is the best because i buy it from royal sundaram general insurance. Many benefits are there like ambulance is providing service from door steps to hospital and then return home. Policy coverage and claims are high but the premiums are medium. Nice policy plan.
Vishal
Bhubaneshwar, March 10, 2016
Good Policy Coverage.
My policy plan is health insurance with royal sundaram general insurance. Service you provided is great and very fast too. Claims are high and premiums are low. Policy coverage is around 98% the best thing in this policy. Happy with the plan.
Tarun
Kanpur, March 10, 2016
Claiming Issue
I have health insurance with royal sundaram general insurance. The policy is covering 60% of the health issues. Service is also nice with fast and taking care the situations. Claims are not that good and the claiming procedure is not good. Long time it will take to sanctioned. Ambulance take charges for giving service.
Gaurav
Hyderabad, March 09, 2016
Less coverage.
My health insurance policy plan has almost all stuff just the policy coverage is very less ~30% but rather than this all are fine like claims are approx. Rs.3 L. Ambulance is also facilitate for free of any charges. Service very quick so the claims are easily sanctioned. Great work.
Manav
Mysore, March 09, 2016
Fair plan.
My health insurance policy plan is with royal sundaram general insurance. Policy coverage is 60% and the claims are ~rs.1.9 L. The claiming process is very easy and no paper work. Ambulance take charges. Just increase your range of hospitals.
Jitender
Faridabad, March 09, 2016
Perfect Policy Plan.
I got health insurance policy plan by taking advice of my friend. Thanks,royal sundaram general insurance for such a nice policy plan with great benefits. Ambulance don't take any charges, Claims and policy coverage are high and the premiums are low.
Omesh
Delhi, March 09, 2016
Fantastic plan.
I own health insurance policy plan from royal sundaram general insurance. Claims are Rs.2.1 lakhs and the policy coverage is areound 80% but service of your web page is slow please improve it. Executives are behave well and all issues are solved with nice care.
Gaganpreet
Amritsar, March 09, 2016
Good Plan.
I found really good health insurance policy plan from royal sundaram general insurance. Claims and policy coverage is high and the premiums are low. Around 2.1 lakhs are claimed and easily sanctioned because of fast services.
Joginder
Ahmedpur, March 09, 2016
Nice Health Policy.
I buy health insurance policy plan from royal sundaram general insurance. Policy coverage is fantastic ~80% and the claims are easily sanctioned due to fast services provided by executives. Ambulance is also facilitate for free. Great work.
Yogesh
Pune, March 01, 2016
Perfect Policy.
Royal sundaram health insurance policy plan i purchase last month by taking advice of piolicybazaar agent. Really good policy having high policy coverage and claims, even the premium is very low. I like it.
Plan Name: Lifeline Supreme
Agent Code: BPW01951

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