Network hospitals
9000+
Claim settlement ratio
95.95%
Sum insured
Up to 50 Lakh
No. of Plans
8
Solvency Ratio
2.07
Pan India Presence
158
Network hospitals
9000+
Claim settlement ratio
95.95%
Sum insured
Up to 50 Lakh
No. of Plans
8
Solvency Ratio
2.07
Pan India Presence
158
Royal Sundaram General Insurance Company, was initially promoted as a joint venture between Sundaram Finance and other Indian Shareholders. At present, the stakes of the company are shared between Sundaram Finance holding 50% stakes, Ageas Insurance with 40% stakes, and the other Indian shareholders holding the remaining 10%.
Royal Sundaram Health Insurance offers a comprehensive range of health insurance policies which includes maternity benefits and the ability to auto-recharge the sum insured every policy year, even if a claim has been made.
Royal Sundaram Insurance delivers through a multi-channel distribution network of Royal Sundaram agents, institutional tie-ups, and brokers. The company provides general insurance solutions including motor, health, personal accident, home, and travel insurance to cater to the multiple needs of the policyholders.
Achievements Of Royal Sundaram Insurance Company
Given below is a list of some of its achievements. Let's check it out.
Royal Sundaram Health Insurance
Royal Sundaram Health Insurance offers a wide range of benefits to take care of you and your family members. Royal Sundaram health policies are flexible and offered different sum insured options to its customers that can fulfill every healthcare need of individuals. For your convenience, we've listed down the key features of the Royal Sundaram company.
There are two types of plan options available within the health insurance plan category offered by the Royal Sundaram Health Insurance company. These two options are:
This is a plan that covers basic hospitalization and many health and wellness benefits.
Unique Features
This plan is the enhanced lifeline health insurance that offers a high sum insured of 1 crore. The plan offers hospitalization, domestic evacuation and additional benefits.
Unique Features
This plan is the foremost version of Lifeline health insurance, it offers a high sum insured of 1.5 cr. The plan provides worldwide coverage and Elite Plus benefits.
Unique Features
Provides coverage for basic medical expenses, which include hospitalization, and pre and post-hospitalization expenses at affordable prices.
Unique Features
A plan that includes inpatient treatment, Ayush treatment, and donor expenditures and has no room rent caps or sub-restrictions.
Unique Features
A plan that protects against accidental death or disability, and includes a 50% No-Claim Bonus. The plan has flexible premium payment terms.
Unique Features
A plan that offers the ABCD (Asthma, BP, Cholesterol, Diabetes) benefits. It covers several chronic illnesses as well as pre-existing diseases.
Unique Features
A plan that offers the ABCD (Asthma, BP, Cholesterol, Diabetes) benefits. It covers several chronic illnesses as well as pre-existing diseases.
Unique Features
A plan that covers people with disabilities and affected by HIV/AIDS.
Unique Features
Plan Variant | Classic (SI: 4 Lakhs) | Supreme (SI: 10 Lakhs) | Elite (SI: 25 Lakhs) |
Premium Payable (in Rs.) | 6,320 | 8,577 | 40,695 |
**Premiums calculated for the different plan variants for an individual of 30 years with different sum insured options.
Family Size | 2 Adults | 2 Adults+2 Kids | 4 Adults +2 kids |
Premium Payable (in Rs.) | 16,843 | 29,963 | 45,149 |
**Premiums calculated for the sum insured of 5 Lakhs with different family sizes, and with the age of eldest member being 30 years.
Royal Sundaram health insurance plans have a long list of inclusion, here are a few common inclusions:
Royal Sundaram Health Insurance plan has some of the permanently excluded medical treatments under their plans, the list is as follows:
There are two ways to buy a health insurance plan from Royal Sundaram health insurance i.e. the official website of Royal Sundaram or a trusted web insurance aggregator like PolicyX.com. For your convenience, we've described below the process of buying a health insurance policy from both ways.
For your convenience, we've described below the process of buying a health insurance policy from both methods- through the company's official website and PolicyX.com.
If for some reason you fail to buy from Royal Sundaram, contact (1800-4200-269) the experts of PolicyX.com. They will help you out for sure.
Royal Sundaram houses an easy renewal process for its policies. Let's take a look at it.
Royal Sundaram has a service provider called Europ Assistance India Pvt. Ltd which settles claims on behalf of the company. The policyholder has two ways of filing claims with Royal Sundaram Health Insurance: cashless or reimbursement claim:
Given below is a list of documents that customers are required to submit while filing a claim. Let's have a look at these documents:
Here is how you can reach out to Royal Sundaram Health Insurance:
Royal Sundaram General Insurance Co. Limited, No.21, Patullos Road, Chennai - 600 002
1860 425 0000
customer.services@royalsundaram.in
Yes, you can port your existing insurance policy to the Royal Sundaram Health Insurance Policy. Just submit an application with the required documents for the same.
Yes. You can cancel your policy and the premium will be refunded. However, the amount will be based on your policy's terms and conditions.
You need to get in touch with the customer care of the company and share a request in writing to initiate the process. The request will be considered only after the necessary medical underwriting process.
Yes. The Royal Sundaram Health insurance is valid in all parts of India.
Yes, the hospitalization expenses incurred due to COVID-19 are covered under all the Health Insurance Policies of Royal Sundaram General Insurance Co. Ltd, as per the terms and conditions of the policy.
The company provides medical coverage against the below-listed treatment expenses:
Follow the below-mentioned steps to check the Royal Sundaram health policy claim status:
Yes, you can port from Royal Sundaram to any other insurance provider, at least 45 days before their next renewal date.
The Royal Sundaram Health Insurance has two payment options:
No, medical tests are typically required only at the age of 45 or 50, depending on the product/plan selected by the consumer. It may also be required for members under this age if they have any specific disease.
No worries. The company offers a 30-day grace period in case you forgot to renew your health insurance. However, during the grace period, one won't be able to avail coverage.
Like every other insurance plan, Royal Sundaram health insurance plans also come with exclusions. This means that no coverage is provided to the insured on the occurrence of any event listed in the exclusion list.
It is advisable to go through the plan brochure before buying a health plan.
There is no restriction on the number of claims until your sum insured is not exhausted.
Yes, the plans offered by Royal Sundaram offer the following benefits for women:
See More Health Insurance Articles
See More Health Insurance Articles
Read what our customers have to say about Royal Sundaram health insurance company and Royal Sundaram health mediclaim policy.
Akhilesh Yadav
Ahmedabad
October 20, 2021
One of the best health care companies with the best team. They help you as their own brother and sister.
Tania
Hyderabad
October 19, 2021
good decsion approaching this company...they are very knowlegeable with their suggestions! I am thnkful!
Pushpak
Delhi
October 12, 2021
Got a plan from the policyx aggregator ...must say i m impressed with the professional manner with which my queries are addressed! good Job policyx!
Raj Choudhary
Dehradun
October 8, 2021
I had a detailed discussion with the Royal Sundaram Health team. They made sure that all my queries are resolved. I personally thank them for the insurance I bought from them
Lalit Koul
Surat
October 5, 2021
Thank you team for fast claim settlement and continuous support. Keep up this customer centric approach.
Reyansh Chakravarty
Chandigarh
August 30, 2021
good service at policyx. My friend recommended me to buy from here and im definitly happy with all the help and guidance
Yogita Mehta
Mumbai
August 10, 2021
It has been an absolute pleasure associtaing with policyx ove health insurance. The customer service is at par and truly makes an effort to make the whole process very easy
Kartik Sharma
Bengaluru
April 30, 2021
Big thumbs up to royalsundaram for offering good customer service and helping me in time of need. I recommend all my friends and family to buy insurance from Royalsunadram company.
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