Accidental & sickness medical expenses
Baggage Delay/ Loss
Trip Delay / Cancellation
Passport Loss
Emergency Medical Evacuation
Missed flights
Medical expenses
Passport Loss
Study interruption
Bail Bond , Personal Liability
Trip Delay / Cancellation
Compassionate visit
No medical tests
Instant policy

Royal Sundaram Travel Secure Asia Plan

Royal Sundaram Travel Secure Asia Plan is an affordable travel insurance plan designed by Royal Sundaram General Insurance exclusively for people travelling within Asia. This travel insurance plan offers comprehensive coverage for both medical and trip-related contingencies in any Asian country while travelling from India. Whether you are travelling to Singapore, Malaysia, Thailand, Indonesia, and various other Asian destinations, the plan will cover you from every possible travel-related peril. However, the coverage is not providing in Japan and Korea.

Features of Royal Sundaram Travel Secure Asia Plan

Royal Sundaram Travel Secure Asia Plan is one of the best travel insurance plans for individual coverage benefits due to the following reasons:

  • Comprehensive coverage benefits for both medical and non-medical emergencies across Asia ( except Japan and Korea)
  • No pre-medical examination required
  • Easy travel insurance policy extension facility
  • Easy travel insurance policy cancellation
  • Free-look period in annual multi-trip plans

Eligibility Criteria to Buy Royal Sundaram Travel Secure Asia Plan

Anyone who is travelling within Asia can buy this overseas travel insurance plan provided the following eligibility criteria are met:

Age Criteria

Minimum Age  of the Proposer

 18 years

Minimum entry age

91 days

Maximum entry age

70 years

Health  Criteria

Medical Reports

Not Required ( provided you are in a good health condition)


Royal Sundaram Travel Secure Asia Plan Coverage

Royal Sundaram travel insurance plan for Asia compensates for a number of unforeseen circumstances that can otherwise ruin your trip. Some of the key inclusions under this plan are listed below:

Medical Expenses such as OPD, cost of hospitalization, doctor’s fees, local emergency medical transportation (including Medical Evacuation)

Dental treatment in case of an accidental injury ( provided the teeth were in a good condition before travelling)

Direct expenses incurred on documentation required to obtain for new/duplicate passport, in case the original one is lost

Accidental bodily injuries abroad resulting in death or total disability while travelling in a common carrier such as  aircraft, bus, rail, or tram

Expenses incurred due to complete loss of checked-in baggage

Delay of Checked-in Baggage cover while travelling abroad from India

Personal liabilities arising due to third-party damage/injury/loss

Expenses incurred on repatriation of mortal remains to the home country

Trip cancellation charges such as  pre-paid lodging cost, ticket cancellation charges

Compassionate Visit by a family member in case the insured is hospitalized for more than 5 days and the doctor recommends for someone to take care

A delayed inbound or outbound trip due to any of the natural calamities ( as specified in the policy documents)

Emergency cash assistance in case of theft/burglary/baggage loss during the trip

Hijacking benefit ( in a common carrier if held captive for more than 12 hours)

Assistance services like an overview of country, currency exchange rate, weather conditions, vaccinations

Royal Sundaram Travel Secure Asia Plan Coverage Table

The sum insured limit and deductibles applicable for specific coverage is listed in the below table:


Sum Insured


Medical Expenses (including medical evacuation)

USD 50000


Hospital room & Board & Hospital Miscellaneous

USD1500/day up to 30 days

Hospital room & board & hospital miscellaneous

Intensive Care Unit

USD2500/day up to 7 days

Intensive Care Unit

Surgical Treatment

Max USD10,000

Surgical treatment

Anesthetist Services

Max up to 25% of Surgical Treatment

Anesthetist services

Physician's Visit

Max USD75/day up to 10 visits

Physician's visit

Diagnostic & Pre-admission testing

Max up to USD500

Diagnostic & pre-admission testing

Ambulance Services

Max up to USD400

Ambulance services

Sickness Dental Relief

USD 500

USD 100

Loss of Checked-in Baggage (maximum 50 % per baggage and per item 10 %)



Accidental Death and Dismemberment Benefit (24 hrs.)



Loss of Passport



Accidental Death and Dismemberment Benefit (Common Carrier)



Delay of Checked-in Baggage



Emergency Cash Advance (Cash Advance Would include delivery charges)



Compassionate Visit



Trip Cancellation Cover



Repatriation of Mortal Remains



Hijacking Benefit

USD100/day for max 6 days

After 12 hrs.


Coverage Table for Accidental Death and Disability Cover

In case of accidental death or disability arising out of (within 12 months) an accident or injury during the trip, within the specified under this section as per table given below:


Coverage Offered



Permanent Total Disablement


Total and irrevocable loss of


Both feet or hands


One entire foot and hand


Both eyes sight


Hearing impairment in both ears


Sight of one eye or loss of one hand or foot


The sight of  one eye


Either foot or hand


Hearing in both ears






Index finger and thumb








Note: the maximum liability in case of an international travel insurance claim shall not exceed 100% of the sum insured offered under the above section.

Exclusions of Royal Sundaram Travel Secure Asia Plan

Royal Sundaram General Insurance is not liable to compensate you for claims arising due to the following reasons:

Any claim arising due to any incidence occurring before the policy commencement or post completion of the policy term

Any health emergency resulting due to pre-existing medical conditions (except for life-threatening conditions up to a max of USD2000)

Any emergency arising due to intentional or willful act/crime/intoxication

Accidents directly or indirectly or indirectly related to riding on a motorcycle without a valid international driving license, a safety crash helmet and traffic rules applicable to the country

Medical emergencies arising due to war and warlike conditions, rebellion,  acts of foreign enemies, civil war, and hostilities

If the loss or damage resulted due to involvement in hazardous activities

Any claim arising out of injuries resulting from adventure or sports activities

Royal Sundaram Travel Secure Asia Plan

Q1. What are the benefits of buying the Royal Sundaram Asia Travel Insurance policy?

The key highlights of this plan are as follows:

  • Compensation for health and medical emergencies that require hospitalization in a foreign land
  • If your checked-in baggage is lost you can claim for a compensation
  • If your passport is lost you can seek help and get financial assistance
  • If you are mugged in a foreign land, help is given at your doorstep
  • Trip cancellation and trip delays are also covered under this travel insurance plan

Q2. What are natural calamities are covered under the trip delay cover?

A delay in your trip is covered if it results due to the following natural disasters:

  • Landslide and rockslide
  • Earthquake
  • Lighting, Tempest, Storm,  Typhoon, Inundation, Hurricane, Subsidence
  • Volcano Eruption
  • Avalanche
  • Floods resulting from unseasonal rains, storm or cyclone
  • Tsunami
  • Terrorism

Q3. What is the type of cover available under the Royal Sundaram Travel Secure Asia Plan?

This Asia travel insurance plan offers coverage on an individual basis and not on a Family Floater basis.

Q4. Do I need to undergo any pre-medical screening?

No, a medical test is not required to get travel insurance.

Q5. What is the premium cost for Royal Sundaram Travel Secure Asia Plan?

The premium is decided on the basis of your age, destination, and duration of the trip. The premium has to be paid only once. Please refer to the policy wordings for the complete premium grid.  

Q6. What are deductibles in travel insurance?

It is the portion of your travel insurance claim amount that you need to pay from your own pocket at the time of claim. Please check for deductibles/excess at the time of policy purchase.

Written By: PolicyBazaar - Updated: 13 November 2019


Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
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