Royal Sundaram Health Insurance

Royal Sundaram Health Insurance Company

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.

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 a claim has been made.

Key Advantages

• 10000+ Network Hospitals
• 2 Crore+ Customers served
• 160+ Branches across India
• Up to 1.5 Cr Sum Insured
• 24X7 Customer Support

Features That Set Royal Sundaram Apart

• Specially designed products for small and medium enterprises
• The first insurer to introduce a cashless mode for health insurance claims
• Emergency domestic ambulance services
• Maternity and newborn health insurance coverage
• Second opinion for critical illnesses

Royal Sundaram Health Insurance Awards and Accolades

1. 'Celent Model Insurer Asia Awards' Award
2. 'Information Week Edge Award'
3. 'ET Award for Prompt GI Compact Category'
4. 'Celent Recognition for Implementing a Workflow-Enabled Policy'
5. 'Celent Award for Developing an Intelligent Claims Management System'

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 ensure your health-related expenses are covered. But there are a few things you need to consider while purchasing a 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-network and out-of-network 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. Assess the coverage for hospitalization, including whether it covers enough services for your future needs. Look for additional benefits like 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 in the same place. You can pick the right one for you while comparing the premiums.

• Buying Insurance Within 5 Minutes

  On an online platform, you can choose and buy your policy within 5 minutes, without any hassle.

• 24/7 Customer Service

  The experts are always at your service. No matter what the time is, you can contact them anytime 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 By Royal Sundaram Health Insurance Company?

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 at home as per the advice given by the medical practitioner.

What Is Not Covered By Royal Sundaram Health Insurance Company?

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.

How to Buy Royal Sundaram Health Insurance Plans?

If you are looking forward to purchasing Royal Sundaram Health insurance online, follow the simple steps below:

1. Step 1

   Visit the PolicyX health insurance page, and enter your details such as name, age, number of members to be covered, and city.

2. Step 2

   Click on 'Get free quotes' and compare Royal Sundaram Health Insurance Plans as per your needs.

3. Step 3

   Select and pay premiums online for the purchased Royal Sundaram Health Insurance plan of your choice.

4. 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.

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

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:

1. 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.

2. Step 2

   Now select "health claim" and provide the required information which is the policy number, date of birth, and other details they ask for.

3. Step 3

   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.

4. 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.

5. Step 5

   Upload the asked documents and click on the "review" button.

6. 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.

Royal Sundaram Health Insurance Renewal Process

Follow these steps for Royal Sundaram Health Insurance policy renewal:

1. Step 1

   Visit the official website of Royal Sundaram Health Insurance Company.

2. Step 2

   Click on the ‘Renew’ tab.

3. Step 3

   Mention your ‘Policy Number’ and ‘Date Of Birth’.

Connect with our insurance experts for Royal Sundaram Health Insurance policy renewal at 1800 - 4200 - 269.