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



Claim settlement ratio



Sum insured

Up to 50 Lakh


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



Claim settlement ratio



Sum insured

Up to 50 Lakh


No. of Plans



Solvency Ratio



Pan India Presence


About Royal Sundaram Health Insurance

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.

  • The first private insurer to tie up with banks (affinity partners) for selling retail products and also to offer co-branded credit cards.
  • The first private insurer to introduce innovative health products like Hospital Cash
  • The first insurer to introduce a cashless mode of settlement for health claims
  • The first insurer to introduce in-house Motor Assessors (IMAs)

Read below to know more about the company.

Why Choose Royal Sundaram Health Insurance Policy?

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.

  • Network Hospitals:
    One of the very important advantages of having a health insurance policy is that it compensates for the expenses involved in the medical treatment of the policyholder. And if the insurer offers a cashless treatment facility, then that becomes an additional valuable benefit. In the case of Royal Sundaram Insurance, the company has tie-ups with 7000+ hospitals across India. The policyholders can avail cashless hospitalization in these hospitals.
  • Claim Support (Claims settled withing 3 months):
    One of the main concerns behind purchasing a health insurance plan is to ensure that we're able to cover the medical expenses if anything unfortunate happens in future. It is advisable to analyse the claim support ratio of the insurer as it gives a fair idea about claim settlement.
    As per IRDAI, Royal Sundaram company has a claim support ratio of 95.95
  • Annual Premium:
    To get an idea about the business reputation of any insurance company, the first factor to consider is its market share. As per the IRDAI Annual Report of 2021-22, the Annual premium of Royal Sundaram Health Insurance company is 2,866.59 Crores.
  • Solvency Ratio:
    The solvency Ratio gives an idea about the market reputation and creditworthiness of that company & helps to analyse the financial soundness. As per IRDAI, all health insurance companies in India are obliged to maintain a solvency ratio of at least 1.5. At present, in the annual IRDAI reports of 2021-22, the solvency ratio of the company is 2.07
  • PAN India Presence:
    Royal Sundaram Health Insurance company operates a PAN India presence. At present, the company has 158 branches across India and its products are distributed through various channels-agents, distribution partners, affinity partners, brokers and online. As of now, Royal Sundaram has serviced the insurance needs of more than 4.50 million customers in India.
royalsundaram Health Insurance Key Features
Royal Sundaram Health Insurance Overview
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Plans Offered by Royal Sundaram Health

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:

Family Floater Health Insurance Plans

Family Floater Plan

A comprehensive health plan that comes with 3 variants and up to 1.5 crores Sum Insured.

Unique Features

  • Preventive healthcare & wellness services
  • No capping on room rent
  • Worldwide Emergency Hospitalization

Family Floater Plan

Royal Sundaram Family Plus

A family health insurance plan that covers up to 19 relationships, & offers reload benefits useful for major illness.

Unique Features

  • Maternity Benefit
  • No Restriction on Maximum Entry Age
  • Vaccination in case of animal bite

Sample Premium Illustration

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.

How To Buy Royal Sundaram Health Insurance?

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 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

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 Can I Renew My Royal Sundaram Health Insurance Policy?

Royal Sundaram houses an easy renewal process for its policies. Let's take a look at it.

  • Visit the official website of Royal Sundaram General. On the top of the page, click on 'Insta Renew'.
  • Enter your 'Policy Number' and 'Expiry Date'.
  • View your policy details and make the premium payment.
  • You will get the renewed policy details on your registered email address.

Royal Sundaram Health Insurance Claims Process

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:

  • Cashless claim process: Under this method, the company directly pays for the treatment expenses of the customer if the treatment is done in any of the company's listed network hospitals.
  • Reimbursement Process: If the treatment is taken at a non-network hospital or the cashless treatment is denied, the insured has to pay in the first place and then file for reimbursement as per the prescribed procedures.

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

Documents Required For Filing A 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:

  • Medical bills
  • Test reports
  • Duly filled claim forms
  • Prescriptions
  • Policy document
  • ID proof
  • Others requested by the company

How To Contact Royal Sundaram General Insurance Company?

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

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.

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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