Royal Sundaram Health Insurance
  • Reload Sum Insured at no extra cost
  • No room rent capping
  • 2x SI for 5 claim free years
Royal Sundaram Health Insurance

Network hospitals



Incurred claim ratio



Sum insured

Up to 1.5 CR


No. of Plans



Solvency Ratio



Pan India Presence


Customized Health Insurance Plan for you.

Get upto 15% Online Discount*

Select Members You Want To Insure

Age of Eldest Member


Network hospitals



Incurred claim ratio



Sum insured

Up to 1.5 CR


No. of Plans



Solvency Ratio



Pan India Presence


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.

Some Interesting Facts About Royal Sundaram Health Insurance Company

  • Royal Sundaram offers specially designed products to the small and medium enterprises of the rural customers as well.
  • They have over 2000 employees with 158 branches along with 28 million loyal customer strength.
  • Royal Sundaram is the first insurer to introduce a cashless mode for selling health insurance products and also to offer co-branded credit cards.
  • They are the first insurer to introduce a cashless mode of settlement for health insurance claims.
  • They were also the first private insurer to introduce innovative health products like hospital cash.

Recommended Videos

Royal Sundaram Health Insurance

Royal Sundaram Health Insurance

Some of the Awards and Achievements

  • Celent Model Insurer Asia Awards
  • 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.

A Quick Outlook

Cashless Claim Settlement Within 2 hours
Minimum Entry Age 91 days
Maximum Entry Age No limit
Sum Insured Up to Rs 50 Lakh
Network Hospital More than 10000 across India
Solvency Ratio (2021-22) 2.1%
Tax Benefits Up to Rs. 1 Lakh
Claim Settlement Ratio (2021-22) 95.95%
Ambulance Expenses Covered
Coverage for Accidents From Day 1
royalsundaram Health Insurance Key Features

Royal Sundaram Health Insurance Plans

Royal Sundaram offers two types of health insurance plans. Which are:

1. Royal Sundaram's Lifeline Health Insurance Plans

This type of plan is for youngsters who have just started earning. It gives comprehensive coverage at very low premiums.

2. Royal Sundaram's Family Plus Health Insurance Plan

If you are planning to start a family then this is the best type of plan for you. It gives coverage to your whole family under a single premium.

Family Floater Health Insurance Plans

This is a plan that covers basic hospitalization and many health and wellness benefits.

Unique Features

  • OPD Cover
  • Affordable Premium
  • Tax Benefit

Lifeline Classic (Pros)

  • Organ Donor Benefit
  • Inpatient Hospitalization
  • Pre And Post Hospitalization
  • Vaccination Cover
  • Reload of SI

Lifeline Classic(Cons)

  • No Gender Treatments
  • No Global Coverage
  • No Alcoholism Ailments Cover
  • No Cosmetic Cover
  • No Obesity/Weight Cover

Lifeline Classic(Other Benefits)

  • Domiciliary Hospitalization
  • No Room Rent Capping
  • Ambulance Cover
  • AYUSH Treatment Covered
  • 10% No Claim Bonus

Lifeline Classic (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 2 L to 4 L
  • Waiting Period - 30 Days

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

  • High Sum Insured
  • Affordable Premiums
  • Tax Benefit

Lifeline Supreme (Pros)

  • 5000 + Network Hospitals
  • Emergency Domestic Evacuation
  • Health Checkup
  • Can Refresh SI Once
  • Mobility Devices Cover

Lifeline Supreme(Cons)

  • No Gender Treatments
  • No New Born Baby Cover
  • No Maternity Cover
  • No Vaccination Cover
  • No Obesity/Weight Cover

Lifeline Supreme(Other Benefits)

  • Health And Wellness Benefits
  • Bariatric Surgery
  • App-Based Ambulance Cover
  • Second Opinion
  • 20% No Claim Bonus

Lifeline Supreme (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 5L to 1 Cr
  • Waiting Period - 30 Days

Royal Sundaram's Lifeline Elite

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

  • Worldwide Coverage
  • Affordable Premiums
  • Tax Benefit

Lifeline Elite (Pros)

  • No Room Rent Capping
  • Maternity Cover
  • Health Checkup
  • Global Coverage
  • Worldwide Emergency Evacuation

Lifeline Elite(Cons)

  • No Gender Treatments
  • No Cosmetic Surgery Cover
  • No War Injury Cover
  • No Vaccination Cover
  • No Obesity/Weight Cover

Lifeline Elite(Other Benefits)

  • Health And Wellness Benefits
  • OPD Treatment
  • Elite Plus Benefit
  • Second Opinion
  • 20% No Claim Bonus

Lifeline Elite (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 25L to 1.5 Cr
  • Waiting Period - 30 Days

Royal Sundaram Arogya Sanjeevani

Provides coverage for basic medical expenses, which include hospitalization, and pre and post-hospitalization expenses at affordable prices.

Unique Features

  • Cataract Cover
  • Hernia Cover
  • Pre Existing Disease Cover

Arogya Sanjeevani (Pros)

  • Cataract Treatment
  • Pre Hospitalization
  • Post Hospitalization
  • Modern Treatments
  • Cumulative Bonus

Arogya Sanjeevani(Cons)

  • No Gender Treatments
  • No Global Coverage
  • No Maternity Cover
  • No Cosmetic Cover
  • No Obesity/Weight Cover

Arogya Sanjeevani(Other Benefits)

  • Dental Cover
  • Day Care Treatment Cover
  • Ambulance Cover
  • Parents-in-law cover
  • 5% No Claim Bonus

Arogya Sanjeevani (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 50 Thousand to 10 Lakh
  • Waiting Period - 30 Days

Royal Sundaram Advanced Top-Up

A plan that includes inpatient treatment, Ayush treatment, and donor expenditures and has no room rent caps or sub-restrictions.

Unique Features

  • All-Day Treatment Cover
  • Life Protect Benefit
  • Inpatient Hospitalization

Royal Sundaram Advanced Top-Up (Pros)

  • Modern Treatments
  • Pre Hospitalization Cover
  • Post Hospitalization Cover
  • Inpatient Care
  • Domiciliary Hospitalisation

Royal Sundaram Advanced Top-Up(Cons)

  • No Infertility Treatments
  • No Adventure Sports Cover
  • No Dietary Supplements Cover
  • No Cosmetic Cover
  • No Obesity/Weight Cover

Royal Sundaram Advanced Top-Up(Other Benefits)

  • Dental Cover
  • Home Care Treatment Cover
  • Ambulance Cover
  • AYUSH Cover
  • Organ Donor Benefit

Royal Sundaram Advanced Top-Up (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 50 Lakh-1 Cr
  • Waiting Period - 30 Days

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

  • 24*7 Global Coverage
  • Family Cover
  • No Income Proof Required

Personal Accident (Pros)

  • Educational Grant
  • Recovery Benefit
  • Temporary total Benefit
  • Instant Cover
  • Carriage of Dead Body

Personal Accident(Cons)

  • No Infertility Treatments
  • No Maternity Cover
  • No Dietary Supplements Cover
  • No Cosmetic Cover
  • No Obesity/Weight Cover

Personal Accident(Other Benefits)

  • Disablement Cover
  • Loss Of Hearing Cover
  • Ambulance Cover
  • Pre- Existing Disease Cover
  • No Medical Test Required

Personal Accident (Eligibility Criteria)

  • Entry Age - 5 Years
  • Max Entry Age - 70 Years
  • SI - 2.5 Lakh - 10 Lakh
  • Waiting Period - 30 Days

A plan that offers the ABCD (Asthma, BP, Cholesterol, Diabetes) benefits. It covers several chronic illnesses as well as pre-existing diseases.

Unique Features

  • Flexi Reload Benefit
  • 4X Multiplier Benefit
  • Health And Wellness Plus

Multiplier Health Insurance (Pros)

  • 22 Critical Illness Covered
  • AYUSH Cover
  • Organ Donor Expenses
  • Pre Existing Disease Coverage
  • Modern Treatment Cover

Multiplier Health Insurance(Cons)

  • No Gender Treatments
  • No Global Coverage
  • No Maternity Cover
  • No Cosmetic Cover
  • No Obesity/Weight Cover

Multiplier Health Insurance(Other Benefits)

  • In Patient Cover
  • Day Care Treatment Cover
  • Emergency Domestic Evacuation
  • Virtual Health Coach
  • Hospital Plus Benefit

Multiplier Health Insurance (Eligibility Criteria)

  • Entry Age - 5 Years
  • Max Entry Age - 65 Years
  • SI - 5L to 25L
  • Waiting Period - 30 Days

Royal Sundaram Family Plus

A plan that offers the ABCD (Asthma, BP, Cholesterol, Diabetes) benefits. It covers several chronic illnesses as well as pre-existing diseases.

Unique Features

  • Dialysis Cover
  • Maternity Benefit
  • AYUSH Treatment Cover

Family Plus (Pros)

  • Renewal Benefit
  • Emergency Domestic Evacuation
  • 20 % No Claim Bonus
  • Joint Replacement Cover
  • Cataract Expenses 8% Of SI

Family Plus(Cons)

  • No Alcoholism cover
  • No War Injury Cover
  • No Global Coverage
  • No Cosmetic Cover
  • No Gender Treatment Cover

Family Plus(Other Benefits)

  • Chemotherapy 10 % of SI
  • Day Care Coverage
  • Ambulance Cover
  • Room Rent up to 2% SI
  • ICU Charges up to 4% SI

Family Plus (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 15 L
  • Waiting Period - 30 Days

Royal Sundaram Divyang Plus

A plan that covers people with disabilities and affected by HIV/AIDS.

Unique Features

  • Mental illness cover
  • Affordable premiums
  • Cataract cover

Divyang Plus (Pros)

  • Pre & post hospitalization cover
  • Flexible premiums
  • Ayush treatment
  • Pre-existing disabilities cover
  • Pre existing diseases cover

Divyang Plus(Cons)

  • Not a family floater plan
  • WP on pre-existing disabilities
  • Low sum insured
  • No air ambulance

Divyang Plus(Other Benefits)

  • Ayush up to 50% of sum insured
  • 60 days post hospitalization
  • Ground ambulance cover
  • 40K per eye allotted for cataract
  • 4 premium payment options

Divyang Plus (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry age: NA
  • Sum insured: 4 - 5 lakhs
  • Waiting period: 24 & 48 months

Why Choose Royal Sundaram Health Insurance Plan?

There are many reasons to buy Royal Sundaram Health Insurance Plans. You can have a look below to get a complete list of benefits that can help you make informed choices.

  • Critical Illness Cover

    The company covers almost 22 critical illnesses after a certain waiting period.
  • Medical Inflation

    The medical treatment cost today will not be the same in the future. The rates will increase somehow. This medical insurance plan will help you cope with inflation and safeguard you against any medical condition.
  • Cashless Hospitalisation

    Having the facility of cashless hospitalization, you can take advantage of medical facilities without worrying about rising medical bills.
  • Income Tax Benefits

    A health insurance plan can give you a tax rebate under section 80D.
  • Coverage for the Second Opinion

    The health insurance will allow the policyholders to go for a second opinion for any chronic diseases. With this benefit, you can have a better understanding of the medical condition, to make a well-informed decision about the situation.
  • Wellness Benefit

    Royal Sundaram focuses on the health of the customers. Thus, you will get amazing discounts on health-related services and preventive health check-ups.

Know What is Covered-Inclusions

Hospital Expenses

Hospital expenses like room rent, ICU charges, surgery expenses, doctor consultations, and other hospitalization expenses are covered.

Pre and Post Hospitalisation

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.

Day Care Treatment

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 Hospitalisation

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.

Organ Donor Expenses

Many of the medical insurance plans by Royal Sundaram cover Organ Donor Expenses as well. If there is a need for organ transplants by the policyholder, it will also be covered.

Road Traffic Accidents

The most unpredictable incidents in life are accidents. Mediclaim plans cover in-patient hospitalisations which are required due to accidents. Now you do not need to worry about the financial burden occuring due to accidents.


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.

General Health Check Up

Not only hospitalization, but Royal Sundaram also provides other benefits as well. The mediclaim policies also cover the expenses incurred due to general Health Check-ups.

What is not Covered?- Exclusions

Self-Inflicted Injuries

If the injury happens due to self-harm, then it will not be covered.

Obesity or Weight Control

Medical insurance policies do not cover the expenses due to the measures or treatments taken in controlling obesity.

Cosmetic Measures or Plastic Surgery

If you are planning for tummy tucker therapy to look smarter, then we are disappointed to tell you that the policy does not cover any kind of cosmetic or plastic surgery.

Hazardous or Adventure Sports

The mediclaim policies will not cover the expenses that might happen because of any complication while indulging in hazardous or adventure sports activities.

Dental Treatment

Most medical insurance plans do not cover dental treatment costs unless it happens due to accidental reasons.

Other Medical Aids

The insurance policies by Royal Sundaram Health will not cover the cost of several medical aids like spectacles, hearing aids, wheelchairs, Walkers, crutches, and other similar aids.

What is the Waiting Period in Royal Sundaram Health Insurance?

The waiting period for Royal Sundaram Health Insurance is a certain time period where you need to wait before claiming a health insurance policy. In simple terms, the company incurred some kind of period, maybe it is 30 days or 1 year, in between you have to pay the premiums but you cannot go for the claim process. However, it depends totally on the policy you choose or if is there any pre-existing disease. There are several types of waiting periods, such as:

  • First 30-day waiting period

    This is the initial waiting period or cooling period that applies to most health insurance.
  • Pre-existing diseases (PEDs) Waiting Period

    If you are suffering from any pre-existing diseases, then it becomes necessary to complete a specific waiting period which will be decided at the time of decision-making.
  • Disease-specific Waiting Period

    Some of the diseases like Cataract, ENT, Hernia, and much more have a specific waiting period to offer.
  • Waiting Period for Maternity Expenses

    Many insurance policies put a waiting period before you can claim for maternity expenses under the Health Insurance Plans.

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.

Benefits of Purchasing at an Early Age

Although, there are no specific age criteria for buying health insurance plans. But buying insurance at an early age is highly beneficial. Read below to get to know why buying health insurance at an early age is beneficial.

Benefits of Purchasing at an Early Age

Your premiums will be less at an early age.

Benefits of Purchasing at an Early Age

At an early age, a continuous cover with renewals will help you to go out with the waiting period.

Benefits of Purchasing at an Early Age

No medical test is required if you purchase health insurance at an early age.

How to Buy Royal Sundaram Health Insurance Policy?

You can buy the plan either from the company itself or from their trusted seller Policyx. Here are the steps you need to follow while buying Royal Sundaram Health Insurance Policy.

Steps to buy from Royal Sundaram's Website

  • Visit the company's website and click on the 'Health Insurance' tab.
  • Out of both the plans, select the one that suits your requirement, and click on 'Get Quote'.
  • Fill up the mandatory details and click on 'Get Quote'.
  • Once done, the premium details will be displayed in front of you.
  • Make the online payment and the policy document will be shared on your registered email address.

Steps to buy from

  • Go to the top of this page and fill out the form 'Get Royal Sundaram Health Plan Quotes Online.
  • Fill in your income and city details.
  • The quotes page of different insurers with all the details will be displayed in front of you. Choose 'Royal Sundaram Health Plan' and click on 'Buy this plan'.
  • Proceed to do the payment.
  • On successful completion, a confirmation receipt will be received in your registered email id.

If for some reason you fail to buy from Royal Sundaram, contact (1800-4200-269) the experts of They will help you out for sure.

How to Renew Health Insurance Policy?

  • Step 1

    Visit the official website of Royal Sundaram General.

  • Step 2

    On the top of the Landing Page, you need to click 'Insta Renew'.

  • Step 3

    Check out the policy details and click on the payment section. It will redirect you to the payment page.

  • Step 4

    You can use any payment method and after completing payment, you will receive the renewed policy details on your registered mobile number as well as your email address

How to Claim?

To file a claim you need to follow the below steps. Royal Sundaram Insurance Company offers the easiest way to file a claim.

Cashless Claims

  • In the case of planned hospitalization, the insured has to intimate the Third Party Associate (TPA) 72 hours prior and in case of emergency hospitalization, intimation should be done within 24 hours.
  • Submit the cashless claim form along with the relevant documents. The company or TPA will examine the whole case and check the required documents.
  • TPA will share the cashless authorization letter with the hospital.
  • In case it gets approved, the company will directly deal with bills.
  • In case of the rejection of the application, the concerned person would receive a rejection letter within 2 hours in case your ailment or treatment is not covered under the health insurance plan.

Reimbursement Claim Procedure

  • The insured has to submit the reimbursement claim form (duly filled and signed) to Royal Sundaram General Insurance within 30 days from the date of discharge.
  • In case of any discrepancy in the documents or the information submitted by the insured, (s)he will receive a deficiency letter within 7 days from the date of receipt of the documents from Royal Sundaram.
  • If there is no deficiency in the received documents, then the Royal Sundaram would make the payment within 30 days (as per the terms and conditions of the health insurance plan).
  • The payment will be made in the name of the proposer.
  • Claim documents should be sent to the address given below:
    Health Claims Department
    Royal Sundaram General Insurance Co Ltd
    Vishranthi Melaram Towers,
    No.2/319, Rajiv Gandhi Salai (OMR)
    Karapakkam, Chennai - 600097

Claim Process

Once you submit the claim intimation, the company will start their work of verification. They might assign a field doctor if required for this process. After completing the verification process, you will get the claim immediately.

Documents required while filing the claim

While filing the claim you need to keep these documents handy. Read below to know more:

  • Duly filled claim form.
  • Original bills, receipts, and discharge papers from the medical institutions.
  • Bills and prescriptions from the chemists.
  • Receipts and investigation test reports from the pathologists, medical practitioners, and surgeons as per the service taken.
  • Nature of operation performed and surgeon's bill and receipts.
  • Self-declaration/MLC/FIR in case of accident.
  • Payment details, and the mode of payment you have opted in case of reimbursement.

How to Calculate Premiums?

You can calculate your health insurance premiums online at Policyx. This Royal Sundaram Premium Calculator is a tool that is designed to enable some potential buyers to estimate the premiums that they need to pay.

Royal Sundaram Lifeline

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.

Royal Sundaram Family Plus

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 Top-Up Plans

One of the very specific features of Royal Sundaram Insurance Company is known as Top-up plans. Currently, the company is offering two plan options:

  • Lifeline Classic Top-Up Plan
  • Lifeline Supreme Top-Up plan

These plans have their benefits and features, which you can avail of by paying regular premiums. You can calculate your premiums at Royal Sundaram Premium Calculator or you can contact Policyx experts to know more.

Choose Policyx for all your Health Insurance Related queries. We are:

  • IRDAI Approved:

    The Insurance Regulatory Development Authority of India (IRDAI) is a regulatory body created to protect the policyholder's interest. follows all the guidelines and protocols approved by the IRDAI.
  • Free Comparison Service:

    With, you can easily compare the best Health Plans in India without paying the extra amount.
  • Compare 15 Companies in 30 Seconds:

    With us, you can compare up to 15 companies in just a few seconds.
  • Buy Insurance withing 5 mins:

    With, you can buy your policy online without any hassles. We offer an easy 4-step online buying process that allows you to buy your policy without any troubles.
  • 24*7 Customer Service:

    The experts of are always available to resolve any of your insurance-related queries.
  • Free Future Claim Assistance:

    Our team will assist you at every step of your claim process. Be it claim intimation, documentation, or any other process, we are always there to help.
Why Should You Buy the Star Health Insurance Plan from

End Note-Contact Details

Royal Sundaram is a dedicated insurance company that works 24*7 for customer case support. They make sure to resolve all the customer queries, no matter what time. For a branch-wise contact detail, you can read more about Royal Sundaram Health Insurance Customer Care.

Royal Sundaram General Insurance Co. Limited, No.21, Patullos Road, Chennai - 600 002

1860 425 0000

Royal Sundaram Health Insurance: FAQs

1. I already have health insurance. Can I port my health insurance to the Royal Sundaram Health Insurance?

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.

2. Can I cancel my Royal Sundaram Health Insurance policy & get my premium back?

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.

3. How can I increase my sum insured in my existing health insurance policy?

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.

4. Does my Royal Sundaram health insurance policy offer coverage for Pan India?

Yes. The Royal Sundaram Health insurance is valid in all parts of India.

5. Are Hospitalization expenses incurred due to COVID-19 covered under the Health Insurance Policy?

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.

6. What are the expenses covered under Hospitalization Expenses?

The company provides medical coverage against the below-listed treatment expenses:

  • Room Rent, boarding expenses
  • Intensive Care Unit charges
  • Diagnostics Procedures charges
  • Medicines, drugs and consumables
  • Nursing Charges
  • Intravenous fluids, blood transfusion, injection administration charges
  • Anaesthesia, Blood, Oxygen, Operation theatre charges, surgical appliances
  • The cost of prosthetics and other devices or equipment if implanted internally during a Surgical Procedure.

7. Can I check Royal Sundaram Health Insurance claim status?

Follow the below-mentioned steps to check the Royal Sundaram health policy claim status:

  • Visit the official website of the Royal Sundaram Health Insurance.
  • Select the product type and enter your policy number.
  • Select the 'Claim Related' tab to track your claim status.
  • You can also contact the customer care of the company on 1860 425 0000 or email at

8. Can I port my Royal Sundaram health policy?

Yes, you can port from Royal Sundaram to any other insurance provider, at least 45 days before their next renewal date.

9. What is the process for paying the premium of the Royal Sundaram mediclaim policy? What payment options are available?

The Royal Sundaram Health Insurance has two payment options:

  • Online payment
  • Cash at the branch
  • The policyholder can use the following methods to make an online payment:
  • Credit Card
  • Debit Card
  • Net banking

10. Is pre-medical checkup mandatory for buying Royal Sundaram mediclaim policy?

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.

11. I forgot to pay my Royal Sundaram Health Insurance premium. What am I supposed to do now?

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.

12. What is not covered under the Royal Sundaram Health Insurance policy?

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.

  • Pre-existing medical conditions as declared by the policyholder during the purchase of policy up to the waiting period (Plan Particular)
  • Addictive conditions & disorders
  • Adventurous or Hazardous sports

It is advisable to go through the plan brochure before buying a health plan.

13. How many times can I make claims under the Royal Sundaram Health Insurance policy?

There is no restriction on the number of claims until your sum insured is not exhausted.

14. Do Health Insurance plans from Royal Sundaram offer any benefits to women?

Yes, the plans offered by Royal Sundaram offer the following benefits for women:

  • Maternity cover.
  • Newborn baby cover.
  • Vaccinations for the newborn in the first year.
  • Reload the sum insured.
  • No limit on room rent.

Other Health Insurance Companies

Royal Sundaram Health Insurance Reviews

Read what our customers have to say about Royal Sundaram health insurance company and Royal Sundaram health mediclaim policy.

Customer Review Image

Akhilesh Yadav


October 20, 2021

One of the best health care companies with the best team. They help you as their own brother and sister.

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October 19, 2021

good decsion approaching this company...they are very knowlegeable with their suggestions! I am thnkful!

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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!

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Raj Choudhary


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

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Lalit Koul


October 5, 2021

Thank you team for fast claim settlement and continuous support. Keep up this customer centric approach.

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Reyansh Chakravarty


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

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Yogita Mehta


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

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Kartik Sharma


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.

View All Royal Sundaram Health Insurance Reviews

Simran Saxena

Written By: Simran Saxena

An explorer and a curious person, Simran has worked in the field of insurance for more than 3 years. Traveling and writing is her only passion and hobby. Her main agenda is to transform insurance information into a piece that is easy to understand and solves the reader’s query seamlessly.