Royal Sundaram Health Insurance
Royal Sundaram General Insurance, India's first private sector general insurer, was licensed by IRDAI in October 2000. ...Read More
The headline features and policy mechanics, at a glance.
Coverage scales from entry-level individual plans to high-end family-floater protection.
Direct billing at network hospitals across 160 presence — no out-of-pocket payment at admission.
Industry-leading approval rate on eligible claims received in the most recent fiscal year.
Well above IRDAI's 1.5× floor — strong indicator of long-term claim-paying ability.
Choose from individual, family floater and senior-citizen variants to match your household.
A quick overview of the insurer — parent group, brand history, and where they sit in the Indian health-insurance market.
Royal Sundaram General Insurance Company Limited is one of India's first private sector general insurers, licensed by IRDAI in October 2000. Promoted by Sundaram Finance Limited in partnership with Ageas, the company offers a wide range of insurance products, including health, motor, and travel insurance. With strong financial backing and years of experience, it is known for reliable services, digital processes, and customer-focused insurance solutions.
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 in every policy year, even if a claim has been made.
Key Advantages:
What are some of the Features that set them apart?
Royal Sundaram Company is working every day to design plans that will make sure that your health-related expenses are covered. But there are a few things that you need to make sure while purchasing the health insurance plan.
You must evaluate your healthcare requirements like age, existing medical conditions, frequency of doctor's visits, and what medical treatments you need.
Ask questions to familiarize yourself with the different plans like family plans, employer-sponsored plans, critical illness plans, senior citizens plans, and much more. Every plan offers different coverage limits and benefits.
Check the list of in-network and out-of-network hospitals included in your insurance plan coverage. It is essential to choose a plan with a broad network.
You must evaluate the premiums, deductibles, and co-payments. Compare the cost of different plans, and choose the best for you.
Check out the benefits and services offered by every plan before choosing for yourself. Assess the coverage for hospitalization, including whether it covers enough services for your future needs. Look for additional benefits like modern and alternative treatments.
Go through the documents before purchasing the one for you. Pay keen attention to every small detail - on inclusions and exclusions and other things. Understand the process of claim settlement and the process of filing complaints.
Getting a medical insurance policy online from PolicyX or directly from the company is full of benefits. Read below to know more.
Online platforms give access to compare different Royal Sundaram Health plans at the same place. You can pick the right one for you while comparing the premiums.
At an online platform, you can choose and buy your policy within 5 minutes, without any hassle.
The experts are always at your service. No matter what the time is, you can contact them any time to clear your doubts.
With online accessibility, you can get quotations with one click. You can collect several quotes and choose the right one for you.
Select a sum insured option below to compare health plans matching your coverage need.
Walkthroughs from the PolicyX team — pros, cons, real claim experiences, and a recommendation on who should buy.
🛡️ Royal Sundaram Health Insurance Plan – Full Breakdown! In this video, we take a deep dive into the Royal Sundaram Health Insurance Plan, one of the leading options in the Indian health insurance market.
Every plan currently being sold by Royal Sundaram Health Insurance, shown side-by-side so you can shortlist quickly.
Lifeline Health Insurance by Royal Sundaram is a comprehensive health insurance plan that looks after your day-to-day healthcare needs. Alo…
The Royal Sundaram Lifeline Elite Plan offers comprehensive health coverage, particularly beneficial for individuals who travel internation…
Royal Sundaram Advanced is a top-up plan that provides health coverage beyond your base health policy. It helps you keep your savings intac…
The Royal Sundaram Family Plus plan is designed for individuals and families looking for comprehensive health coverage, especially those pl…
The Surrogacy (Regulation) Act, 2021, by the Government of India, mandates that any couple seeking a surrogate mother must purchase a three…
Royal Sundaram Multiplier Health Insurance is a one-of-a-kind plan that covers up to 11 times the sum insured in case of emergency health c…
Royal Sundaram Personal Accident Policy safeguards insured individuals against loss of income, provides the best medical care, and ensures …
Royal Sundaram Lifeline Supreme Health Plan is a one-of-a-kind health insurance plan that offers holistic coverage with a wide range of ben…
Side-by-side across the 3 most-bought Royal Sundaram Health Insurance plans on PolicyX.
| Feature | Lifeline Health Insurance Plan | Royal Sundaram Lifeline Elite Plan | Royal Sundaram Advanced Top-Up Plan |
|---|---|---|---|
| Plan type | Individual and Family Health Insurance | Individual and Family Health Insurance | Top Up and Super Top Up |
| Sum insured | 2 Lakh, 3 Lakh, 4 Lakh, 5 Lakh,… | 25 L, 30 L, 50 L, 1 Cr, 1.5 Cr | 10 L, 20 L, 30 L, 40 L, 50 L, 6… |
| Entry age | 18 Years to No Upper Age Limit | 18 to 65 Years | Child - 91 days - 25 years, Adult - 18 … |
| Top benefits | Domiciliary Hospitalization · Worldwide Emergency Hospitalization | Cancer of specified severity · Heart attack | Life protect benefit · PEDs waiting period reduction |
The standard inclusions and exclusions across Royal Sundaram Health Insurance plans. Specific plans may add benefits — always check the policy wording before purchase.
For policy purchase and claim submission. Have these ready before you start.
When specific benefits become claimable after policy start.
Begins from the date of purchase and lasts for up to 30 days for most Royal Sundaram Health Insurance plans.
Royal Sundaram Health Insurance plans require you to serve specific waiting periods in case you are diagnosed with PEDs such as hypertension, diabetes, or any other.
Like waiting periods, Royal Sundaram health insurance plans with critical illness coverage have a survival period. During this period, policyholders diagnosed with any listed critical illness must outlive the survival period to enjoy coverage benefits.
Find a Royal Sundaram Health Insurance network hospital near you. Direct billing — no out-of-pocket payment at admission.
Step-by-step guides for the four moments that matter most in your policy lifecycle. Click a tab to switch.
If you are looking forward to purchasing Royal Sundaram Health insurance online, follow the simple steps below:
Visit the PolicyX health insurance page, and enter your details such as name, age, number of members to be covered, and city.
Click on 'Get free quotes' and compare Royal Sundaram Health Insurance Plans as per your needs.
Select and pay premiums online for the purchased Royal Sundaram Health Insurance plan of your choice.
Our team of insurance experts at PolicyX will provide you with all the assistance required regarding claims and other queries post-purchase of your Royal Sundaram Health Insurance plan.
You can file for cashless as well as reimbursement claims for your Royal Sundaram Health Insurance Plans by following these easy steps:
Visit the official website of Royal Sundaram Health Insurance, and select the "Claim" option. Then click on "File a new claim" to check out the form.
Now select "health claim" and provide the required information which is the policy number, date of birth, and other details they ask for.
Now select the "claim type", whether you want to opt for a cashless claim or reimbursement. Click on "authorize" and you will receive an OTP on the verified number.
Get verified with the OTP and fill in the required hospital admission information, select the hospital, and fill in the hospital details in case of a non-network hospital.
Upload the asked documents and click on the "review" button.
After clicking on the review button, you need to submit the intimation for the company to review. You will receive a claim intimation number which you need to note down for future purposes.
Follow these steps for Royal Sundaram Health Insurance policy renewal:
Visit the official website of Royal Sundaram Health Insurance Company.
Click on the ‘Renew’ tab.
Mention your ‘Policy Number’ and ‘Date Of Birth’.
Connect with our insurance experts for Royal Sundaram Health Insurance policy renewal at 1800 - 4200 - 269.
The 14 most-asked questions about Royal Sundaram Health Insurance, answered.
Pick any two insurers to see a detailed side-by-side comparison.
Compare Royal Sundaram Health Insurance mediclaim policies with other top insurers in India.
Aggregate ratings from 2,715 verified PolicyX customers who bought a Royal Sundaram Health Insurance plan.
PolicyX.com premium calculator offers premium comparison for some of the best health plans in India. Input your details and find the most suitable health insurance policies for your requirements.
PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.
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