Royal Sundaram Health Insurance
Royal Sundaram General Insurance is a leading private sector general insurance company in India. The insurer has 2 crore+ customers across India, and ...Read More
Network hospitals
10000+
Claim settlement ratio
96.17%
Sum insured
Up to1.5 Cr
No. of Plans
8
Solvency Ratio
2.1
Pan India Presence
160+
Simran has over 3 years of experience in content marketing, insurance, and healthcare sectors. Her motto is to make health and term insurance simple for our readers has proven to make insurance lingos simple and easy to understand by our readers.
Reviewed By:
Raj Kumar has more than a decade of experience in driving product knowledge and sales in the health insurance sector. His data-focused approach towards business planning, manpower management, and strategic decision-making has elevated insurance awareness within and beyond our organisation.
Updated on Apr 08, 2025 4 min read
Royal Sundaram Health Insurance Company
Royal Sundaram General Insurance Company Limited is the first general insurance company in the private sector. They got licensed in October 2000 by IRDAI.
It was started by Sundaram Finance in a joint venture with a few Indian shareholders. As per their official website, the stakes of the company are shared between Sundaram Finance which has 50% of stakes, Ageas Insurance with 40% stakes, and the other Indian shareholders holding the remaining 10% at present.
What does Royal Sundaram Health Insurance Company do?
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 the claim has been made.
What are some of the
Features
that set them apart?
-
1
Specially designed products for small and medium enterprises
-
2
The first insurer to introduce a cashless mode for health insurance claims
-
3
Emergency domestic ambulance services
-
4
Maternity and New-born health insurance coverage
-
5
Second Opinion for Critical Illnesses
Royal Sundaram health insurance awards and accolades
- 'Celent Model Insurer Asia Awards' Award
- 'Information Week Edge Award'
- 'ET Award for Prompt Gi Compact Category'
- 'Celent Recognition for Implementing a Workflow-Enabled Policy'
- 'Celent Award for Developing an Intelligent Claims Management System'
Royal Sundaram Health Insurance Detailed Review
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Best Selling Royal Sundaram Health Insurance Plans
Let's take a look at the list of health insurance plans that offer comprehensive protection to you and your family
-
Individual and Family Health Insurance
Royal Sundaram Health Insurance Plans Eligibility Approximate Annual Premiums Lifeline Health Insurance Plan Entry Age - 18 Years to No Upper Age Limit
Sum Insured - Up to 1.5 CrRs. 4284
Royal Sundaram Lifeline Elite Plan Entry Age - 18 to 65 Years
Sum Insured - Up to 1.5 CrRs. N/A
-
Top Up and Super Top Up
Royal Sundaram Health Insurance Plans Eligibility Approximate Annual Premiums Royal Sundaram Advanced Top-Up Plan Entry Age - Child - 91 days - 25 years, Adult - 18 - 65 years
Sum Insured - Up to 95 LRs. NA
-
Individual
Royal Sundaram Health Insurance Plans Eligibility Approximate Annual Premiums Royal Sundaram Surrosafe Plan Entry Age - 23 to 35 Years
Sum Insured - Up to 5 LRs. N/A
-
Accident Health Insurance
Royal Sundaram Health Insurance Plans Eligibility Approximate Annual Premiums Royal Sundaram Health Personal Accident Policy Entry Age - 18 to 70 Years
Sum Insured - Up to 5 CrRs. N/A
Key Features Of Royal Sundaram Health Insurance
Let us take a look at some unique features of top-selling Royal Sundaram Health Insurance policies:
For Individual and Family Health Insurance
Lifeline Health Insurance Plan
Royal Sundaram Lifeline product offers 3 different variants: elite, supreme, and classic with a wide range of sum insured options available from 2 Lakhs to 1.5 Crore.
Why Do We Recommend This?
- Worldwide coverage available
- Health check-up covered
- Wellness benefit available
For Top Up and Super Top Up
Royal Sundaram Advanced Top-Up Plan
Royal Sundaram Advanced is a top-up plan that provides you with health coverage beyond the base health policy. It helps you keep your savings intact in times of distress.
Why do we recommend this?
- PEDs waiting period reduction
- Multi-year policy discounts
- Automatic restoration
For Individual
Royal Sundaram Surrosafe Plan
This one-of-a-kind plan offers coverage for surrogacy in India. It covers all healthcare-related expenses of the surrogate mother or oocyte donor including pre and post-hospitalisation, daycare, ambulance charges, etc.
Why Do We Recommend This?
- Cover for Surrogacy
- Oocyte Donor Cover
- Daycare Procedures
For Accident Health Insurance
Royal Sundaram Health Personal Accident Policy
Royal Sundaram Personal Accident Policy safeguards insured individuals against the loss of income, provides the best medical care, and ensures your children’s education.
Why Do We Recommend This?
- Accidental Death Cover
- Permanent Total Disability Cover
- Permanent Partial Disability Cover
Explore other Royal Sundaram Health Insurance
To cater to the different medical needs of an individual & their family, Royal Sundaram Health Insurance offers several Health Plans ranging from senior citizen plans to specialized plans for autistic children, to health insurance for cardiac patients, and many more. Take a look below to Royal Sundaram Health Insurance plans explore more:
Individual and Family Health Insurance
Lifeline Health Insurance by Royal Sundaram is a comprehensive health insurance plan that looks after your day-to-day healthcare needs. Along with in-...
Unique Features
- Plan benefits
- Types of plans offered
- Plan features & buying process
Lifeline Health Insurance Plan (Pros)
- Domiciliary Hospitalization
- Worldwide Emergency Hospitalization
- International Treatment Abroad
Lifeline Health Insurance Plan (Cons)
- Illegal Activities
- Adventure Sports
- Alcoholism
Lifeline Health Insurance Plan (Other Benefits)
- Preventive health care and wellness
- Reload of Sum Insured
- OPD Cover
Lifeline Health Insurance Plan (Eligibility Criteria)
- Min Entry Age 18 Years
- Max Entry Age No limit
- Initial Waiting Period 30 Days
- Sum Insured Up to 1.5 Cr
Individual and Family Health Insurance
Royal Sundaram Lifeline Elite Plan is the only health insurance that you need now! Why? Let's understand this with an example. Rahul and Aditya went o...
Unique Features
- 11 specified critical illnesses cover
- Worldwide emergency hospitalization
- Maternity & newborn covers
Royal Sundaram Lifeline Elite Plan (Pros)
- Cancer of specified severity
- Heart attack
- Kidney failure
Royal Sundaram Lifeline Elite Plan (Cons)
- Illegal activites
- Alcoholism
- Obesity
Royal Sundaram Lifeline Elite Plan (Other Benefits)
- Emergency domestic evacuation
- Worldwide cover
- Tax benefits
Royal Sundaram Lifeline Elite Plan (Eligibility Criteria)
- Min entry age: 18 Years
- Max entry age: 65 Years
- Initial Waiting Period: 30 Days
- Sum Insured: Up to 1.5 Cr
Top Up and Super Top Up
GET MUCH MORE for less! Royal Sundaram Advanced is a top-up plan that provides you with health coverage beyond the base health policy. It helps you ke...
Unique Features
- Home care treatment
- Life protect benefits
- 2nd opinion for 22 critical illnesses
Royal Sundaram Advanced Top-Up Plan (Pros)
- Life protect benefit
- PEDs waiting period reduction
- Modern treatment
- No cost SI restore
- Home care treatment
Royal Sundaram Advanced Top-Up Plan (Cons)
- Obesity control
- No change-of-gender
- Cosmetic/plastic surgery
- Hazardous/adventure sports
- Breach of law
Royal Sundaram Advanced Top-Up Plan (Other Benefits)
- AYUSH cover
- Critical illness 2nd opinion
- Daycare treatment
- Organ donor expenses
- In-patient hospitalization
Royal Sundaram Advanced Top-Up Plan (Eligibility Criteria)
- Child Entry Age - 91 days - 25 years
- Adult Entry Age- 18 - 65 years
- SI - INR 10 - 95 Lakhs
- Waiting Period - 30 days
Individual and Family Health Insurance
Give your life a new direction with the Royal Sundaram Family Plus plan if you are planning a family or want to protect your extended family. It's obv...
Unique Features
- Emergency domestic evacuation
- Maternity cover benefits
- Health & wellness benefits
Royal Sundaram Family Plus Plan (Pros)
- Ambulance Cover
- Re-load of Sum Insured
- Second Opinion for 11 specied Critical iIIness
Royal Sundaram Family Plus Plan (Cons)
- Investigation & Evaluation
- Obesity/ Weight Control
- Alcoholism
Royal Sundaram Family Plus Plan (Other Benefits)
- Maternity cover
- Health and wellness
- Nutritional allowance
Royal Sundaram Family Plus Plan (Eligibility Criteria)
- Min entry age: 18 Years
- Max entry age: No upper limit
- Sum Insured: Up to 50 L
- Initial waiting period: 30 Days
Individual
The Surrogacy (Regulation) Act, 2021 by the government of India has come into effect saying that, if any couple is in search of a surrogate mother, th...
Unique Features
- Cover for Surrogacy
- Oocyte Donor Cover
- Daycare Procedures
Royal Sundaram Surrosafe Plan (Pros)
- Covers surrogate mothers
- Covers oocyte donors
- Ambulance cover
Royal Sundaram Surrosafe Plan (Cons)
- Illegal activites
- adventure sports
- self-harm
Royal Sundaram Surrosafe Plan (Other Benefits)
- Inpatient hospitalization
- Room rent cover
- Daycare Procedures
Royal Sundaram Surrosafe Plan (Eligibility Criteria)
- Min entry age: 18 Years; Max entry age: 35 Years
- Sum Insured: Up to 5 L
Individual and Family Health Insurance
Royal Sundaram Multiplier Health Insurance is a one of its kind plan that covers up to 11 times the sum insured in case of emergency health complicati...
Unique Features
- 11X Multiplier Benefit
- 4X Multiplier Benefit
- Emergency Domestic Evacuation
Royal Sundaram Multiplier Health Plan (Pros)
- No claim bonus
- Modern Treatments
- AYUSH Treatment
Royal Sundaram Multiplier Health Plan (Cons)
- Illegal activities
- alcoholism
- obesity and weight management
Royal Sundaram Multiplier Health Plan (Other Benefits)
- Flexi Reload Benefit
- Health and Wellness Benefit
- Ambulance Cover
Royal Sundaram Multiplier Health Plan (Eligibility Criteria)
- Min Entry Age: 18 Years
- Max Entry Age: 65 Years
- Initial Waiting Period: 30 Days
- Sum Insured: Up to 25 L
Accident Health Insurance
Royal Sundaram Personal Accident Policy safeguards insured individuals against the loss of income, provides the best medical care, and ensures your ch...
Unique Features
- Global Coverage Available
- 5 Crore SI
- Education Grant
Royal Sundaram Health Personal Accident Policy (Pros)
- Higher sum insured available
- Accidental death cover
- Disability cover
Royal Sundaram Health Personal Accident Policy (Cons)
- Illegal activities
- Alcoholism
- Adventure sports
Royal Sundaram Health Personal Accident Policy (Other Benefits)
- Worldwide coverage
- Education grant
- Cumulative bonus
Royal Sundaram Health Personal Accident Policy (Eligibility Criteria)
- Min entry age: 18 Years
- Max entry age: 70 Years
- Sum Insured: Up to 1.5 Crores
Individual and Family Health Insurance
Royal Sundaram Lifeline Supreme Health Plan is a one-of-a-kind health insurance plan as it offers holistic coverage with a wide range of benefits such...
Unique Features
- Up to 1 Crore SI
- 4X Mobility Devices Cover
- Health and Wellness Cover
Royal Sundaram Lifeline Supreme (Pros)
- Re-load of sum insured
- Health check-up
- App-based cabs
Royal Sundaram Lifeline Supreme (Cons)
- Illegal activities
- Alcoholism
- Self-inflicted harm
Royal Sundaram Lifeline Supreme (Other Benefits)
- Annual Health Check-up
- Emergency Evacuation
- Second Opinion
Royal Sundaram Lifeline Supreme (Eligibility Criteria)
- Min Entry Age:18 Years
- Max Entry Age: No limit
- Intiial Waiting Period: 30 Days
- Sum Insured: 1 Crore
Recommended Videos
Royal Sundaram Health Insurance
Why Choose Royal Sundaram?
- The company covers almost 22 critical illnesses after a certain waiting period
- 24X7 customer support for easy claim settlement
- Over 10000 network hospitals all over India
- Offers comprehensive coverage at affordable premiums
- Tax benefits under Section 80D of the Income Tax Act
Factors To Consider While Buying A Health Insurance Plan
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.
-
Understand your Healthcare Needs
You must evaluate your healthcare requirements like age, existing medical conditions, frequency of doctor's visits, and what medical treatments you need. -
Understand Coverage Options
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. -
Network Coverage
Check the list of in and out coverage hospitals included in your insurance plan coverage. It is essential to choose a plan with a broad network. -
Review Cost and Affordability
You must evaluate the premiums, deductibles, and co-payments. Compare the cost of different plans, and choose the best for you. -
Examine the Benefits and Services
Check out the benefits and services offered by every plan before choosing for yourself. Access the coverage for hospitalization like whether it covers enough services for your needs in the future. Look for the additional benefits of modern and alternative treatments. -
Read the documents
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.
Why Choose Online Procedure to Buy Mediclaim Policy?
Getting a medical insurance policy online from PolicyX or directly from the company is full of benefits. Read below to know more.
-
Easy to Compare
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. -
Buying Insurance within 5 minutes
At an online platform, you can choose and buy your policy within 5 minutes, without any hustle. -
24*7 Customer Service
The experts are always at your service. No matter what the time is, you can contact them any time to clear your doubts. -
Instant Quote
With online accessibility, you can get quotations with one click. You can collect several quotes and choose the right one for you.
What is Covered?
Pre and Post Hospitalization Expenses
Royal Sundaram understands the impact of rising medical expenses, thus they have made sure that their insurance products contain pre and post-hospitalization expenses related to in-patient hospitalization.
AYUSH Treatments
AYUSH stands for, Ayurveda, Yoga, Naturopathy, Unani, Siddha, and Homeopathy. With Royal Sundaram Health Insurance, you will be covered if you plan to take the medical benefits of AYUSH Treatment.
Hospitalization Expenses
Hospital expenses like room rent, ICU charges, surgery expenses, doctor consultations, and other hospitalization expenses are covered.
Day Care Treatments
The advancement in technology has reduced the time of surgeries and treatment procedures. Therefore, keeping this in mind, their products have covered daycare treatment as well.
Domiciliary Hospitalization
Some of the medical insurance policies by Royal Sundaram cover Domiciliary Treatments that you can take home as per the advice given by the medical practitioner.
What is not Covered?
Self Inflicted Injuries
Royal Sundaram health policies will not cover injuries or hospitalization caused by self-harm.
Cosmetic Procedures
Royal Sundaram Health Insurance plans do not cover any kinds of cosmetic surgeries or treatments.
Adventure Sports
Royal Sundaram Health Insurance plans will not cover you for hospitalizations, or accidents caused due to adventure sports.
Obesity or Weight Control Treatments
Royal Sundaram Health Insurance plans mostly do not cover treatments related to obesity and weight management such as bariatric surgeries.
Involvement In Illegal Activities
Royal Sundaram health insurance company plans do not cover individuals or families for hospitalization or injuries caused due to unlawful activities.
What Are The Different Waiting Periods In Royal Sundaram Health Insurance Plans?
The various waiting periods associated with Royal Sundaram Health plans are:
Initial Waiting Period
Begins from the date of purchase and lasts for up to 30 days for most Royal Sundaram Health Insurance plans.
Pre-existing Disease Waiting Period
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.
Survival Period
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.
Royal Sundaram Health Insurance Plans Buying Process
If you are looking forward to purchasing Royal Sundaram Health insurance online follow the simple steps below:
- Step 1
Visit the PolicyX health insurance page, and enter your details such as name, age, number of members to be covered, and city.
- Step 2
Click on 'Get free quotes' and compare Royal Sundaram Health Insurance Plans as per your needs.
- Step 3
Select and pay premiums online for the purchased star health insurance plan of your choice.
- Step 4
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.
Royal Sundaram Health Insurance Renewal Process
Follow the steps for Royal Sundaram Health Insurance policy renewal
- Step 1
Visit the official website of Royal Sundaram Health Insurance Company
- Step 2
Click on the ‘Renew’ tab
- Step 3
Mention your ‘Policy Number’ and ‘Date Of Birth’
Connect with our insurance experts for Star health insurance policy renewal at 1800 - 4200 - 269
Royal Sundaram Health Insurance Plan Claim Process Steps
You can file for cashless as well as reimbursement claims for your Royal Sundaram Health Insurance Plans by following these easy steps:
- Step 1
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.
- Step 2
Now select "health claim" and require the information which is the policy number, date of birth, and other details they ask for.
- Step 3
Now select the "claim type", whether you want to opt for a cashless claim or reimbursement. Click on the authorize and you will receive the OTP on the verified number.
- Step 4
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.
- Step 5
Upload the documents asked and click on the "review" button.
- Step 6
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.
Documents Required For Royal Sundaram Health Policy Claim Settlement
Submit the following documents when filing for Royal Sundaram health claims:
- Duly completed and signed claim form, in original
- Valid photo-ID proof
- Medical practitioner's referral letter and prescription
- Original bills, receipts, and discharge cards from the hospital/medical practitioner
- Original bills from pharmacy/chemists
- Original pathological/diagnostic tests reports/radiology reports and payment receipts
- Indoor case papers
- First Information Report, final police report, if applicable
- Post-mortem report, if conducted
- Any other document as required by the company to assess the claim
Health Insurance Premium Calculator
PolicyX.com premium calculator offers premium comparison for some of the best health plans in India. You can input your details and check out some of the most suitable health insurance policies for your specific requirements. This is the easiest, most efficient, spam and gimmick-free way to buy health insurance today.
More Queries?
If you have any more queries regarding
Plans,
Renewals, or Claim Procedures, contact our insurance experts at:
1800-4200-269
now!
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Written By: Simran Saxena
Simran has over 3 years of experience in content marketing, insurance, and healthcare sectors. Her motto is to make health and term insurance simple for our readers has proven to make insurance lingos simple and easy to understand by our readers.
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