Royal Sundaram Health Insurance

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Royal Sundaram Health Insurance

Royal Sundaram General Insurance Company, formerly known as Royal Sundaram Alliance Insurance Company Limited, got its license by IRDAI in 2000. The 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 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)

Types of Royal Sundaram Health Insurance Plans

There are two types of plan options available within the health insurance plan category offered by Royal Sundaram Health Insurance company. These two options are:

  • Royal Sundaram Lifeline Health Insurance Plan
  • Royal Sundaram Family Plus Plan

Watch Video For Detailed Review

Royal Sundaram Health Insurance Overview

We've described below both these plans along with their variants, if available. Read along to get a more detailed understanding of these plans.

Royal Sundaram Lifeline Health Insurance Plan

Royal Sundaram Lifeline Health Insurance Plan is a comprehensive health insurance cover that comes out in three variants- Elite, Supreme, and Classic. With the help of these variants, people can easily choose the required coverage and sum insured as per their convenience. Let's discuss them in detail.

  1. Royal Sundaram Lifeline Supreme Health Insurance

    Royal Sundaram Lifeline Supreme Health Insurance is a comprehensive health insurance plan that is designed to work with the different needs of the insured.

    Key Features:

    • If the policyholder suffers from any of the 11 listed critical illnesses, Royal Sundaram Lifeline Supreme Health Insurance provides a chance to seek a free second medical opinion to the insured.
    • The plan offers coverage against pre and post-hospitalization expenses up to 60 and 90 days respectively.
    • The plan offers a free annual health check-up to the policyholder.
    • Ambulance expenses (up to Rs.5,000) are compensated by the plan.

    Eligibility Criteria:

    Criteria Adults Children
    Entry age 18 years 91 days
    Maximum Entry Age No limit 25 years
    Sum Insured amount Rs. 5 Lakhs, Rs. 7.5 Lakhs, Rs. 10 Lakhs, Rs. 15 Lakhs, Rs. 20 Lakhs, Rs. 25 Lakhs, Rs. 50 Lakhs and Rs.100 Lakh

    **Last Updated on September, 2021

  2. Royal Sundaram Lifeline Elite Health Insurance

    Along with the high sum insured options, the Royal Sundaram Lifeline Elite Health Insurance comes with a wide range of medical benefits covering critical illnesses, international treatment, among others.

    Key Features:

    • The plan offers medical expense coverage on emergency hospitalization of the policyholder while travelling abroad.
    • This plan provides coverage if the policyholders pursue international treatment of any of the listed 11 critical illnesses.
    • The maternity benefit option is available within the plan that provides coverage against maternity expenses for up to 2 deliveries.
    • Expenses against mobility devices such as walkers, manual wheelchairs, etc are covered by the plan.

    Eligibility Criteria:

    Criteria Adults Children
    Entry age 18 years 91 days
    Maximum Entry Age No limit 25 years
    Sum Insured amount Rs.25 Lakhs, Rs.30 Lakhs, Rs.50 Lakhs, Rs.100 Lakhs, and Rs.150 Lakhs

    **Last Updated on September, 2021

  3. Royal Sundaram Lifeline Classic Health Insurance

    Royal Sundaram Lifeline Classic Health Insurance is a comprehensive health insurance plan for the insured and his/her family.

    Key Features:

    • The plan offers coverage (up to Rs.7500) for the vaccination in case of an animal bite.
    • The plan also provides coverage against the expenses incurred on ambulance service offered by the hospital.
    • The policyholder is eligible to get a free health check-up once every two years.
    • This plan offers coverage for the medical expenses incurred on AYUSH treatments.

    Eligibility Criteria:

    Criteria Adults Children
    Entry age 18 years 91 days
    Maximum Entry Age No limit 25 years
    Sum Insured amount Rs. 2 Lakhs, Rs. 3 Lakhs, and Rs. 4 Lakhs.

    **Last Updated on September, 2021

Royal Sundaram Family Plus

Royal Sundaram Family Plus is a comprehensive health insurance plan that covers large families. Under the same, the insured can cover up to 19 relationships. It offer an individual sum insured to each family member (apart from a floater sum insured). The plan also offers to reload benefits that can be used by any family member in case of a major illness.

Key Features:

  • The plan comes with a combination of Individual + Floater Sum Insured in the same policy.
  • This plan offers coverage against inpatient hospitalization up to the sum insured limit.
  • The plan does offer coverage against pre-hospitalization (60 days before getting hospitalized) and post-hospitalization expenses (90 days after getting discharged from the hospital).
  • The plan offers preventive healthcare & wellness related services that will help the insured to assess his/her health status and improve overall well being.
  • The plan also covers maternity expenses and offers coverage up to 2 deliveries including New Born Baby Cover and vaccination for a newborn in the first year, provided that the 2 adults are covered under the same family floater policy.

Eligibility Criteria:

Criteria Adults Children
Entry age 18 years 91 days
Maximum Entry Age No limit
Individual sum Insured amount Rs.2 Lakhs, Rs.3 Lakhs, Rs.5 Lakhs, Rs.10 Lakhs &; Rs.15 Lakhs
Family Floater Sum Insured amount Rs.3 Lakhs, Rs.4 Lakhs, Rs.5 Lakhs, Rs.10 Lakhs, Rs.15 Lakhs, Rs.20 Lakhs, Rs.25 Lakhs & Rs.50 Lakhs

**Last Updated on September, 2021

Why Buy Health Insurance Plan from Royal Sundaram Company?

Given the wide range of health insurance providers available in the market, it is quite obvious to get confused. For your convenience, we've listed down the key features of Royal Sundaram company.

Annual premium (2019-20) Rs. 394.6 crores
Renewability Lifetime
Claim settled within three months (2019-20) 97.75%
Solvency ratio 1.83
No. of cashless hospitals 5000+
No. of offices 156

**Last Updated on September, 2021

Given below is a brief explanation of these features. Let's understand them in detail.

  1. 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 more than 5000 hospitals across India. The policyholders can avail cashless hospitalization in these hospitals.

  2. Annual Premium

    To get an idea about the business reputation of any insurance company, the first factor to consider is its market share. The graph given below highlights the increase in the annual premium of Royal Sundaram Insurance Company over the past four years.

    Annual Premium Of Royal Sundaram General Insurance from 2016 to 2020

    Annual Premium Of Royal Sundaram General Insurance from 2016 to 2020
  3. Claim Support

    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 97.75.

    The graph given below illustrates the claim support ratio of Royal Sundaram company from the past four years.

    Claim Support Ratio of Royal Sundaram Company from 2016-17 to 2019-20

    Claim Support Ratio of Royal Sundaram Company from 2016-17 to 2019-20
  4. Solvency Ratio

    Solvency Ratio gives an idea about the market reputation and creditworthiness of that company & helps to analyse if 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, the solvency ratio of the company is 1.83.

    To help you understand better, we've created here a chart that illustrates the solvency ratio of Royal Sundaram company from the past four years.

    Solvency Ratio of Royal Sundaram Company from 2016-17 to 2019-20

    Solvency Ratio of Royal Sundaram Company from 2016-17 to 2019-20
  5. Operating network:

    Royal Sundaram Health Insurance company operates a PAN India presence. At present, the company has over 2000 employees with 156 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.

Exclusions of Royal Sundaram Health Plan

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.

Given here is a list of exclusions of the Royal Sundaram health plans. Let's check them out.

  • 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

For more details, please get in touch with the customer service of Royal Sundaram.

How To Buy Royal Sundaram Health Insurance?

As a customer, you have two options for buying a health insurance plan from Royal Sundaram. This means that you can either buy the plan online from the official website of the company or from a trusted web insurance aggregator like

For your convenience, we've described below the process of buying a health insurance policy from both the 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 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.

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. Claims for the below mentioned 4 benefits will be serviced through their service provider.

  • Second opinion for 11 Critical Illness.
  • Emergency domestic evacuation.
  • Worldwide emergency hospitalization.
  • International treatment for 11 specified critical illnesses.

The company utilizes two different methods for settling the health insurance claims of the customers. These methods are:

  • 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 Claim Process for Domestic 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.

Cashless Claim Process for Worldwide Emergency Hospitalization

  • You have to inform the company's service provider within 24 hours of hospitalization.
  • Your eligibility would be verified by the service provider and you will receive a call for more information or details (if required).
  • The service provider will get in touch with the hospital in case the pre-authorization request has been approved or denied.
  • In case of approval of the pre-authorization request, your bill will be settled directly with the hospital by the service provider.

Cashless Claim Process for International Treatment for 11 specified Critical Illness

  • In the event of the diagnosis of any of the listed critical illnesses, the insured should inform the company's service provider.
  • The service provider will evaluate the request and the eligibility of the insured person.
  • The service provider will communicate directly with the hospital and the insured about approval or rejection of the pre-authorization request.
  • On approval, the service provider will directly settle the claim with the hospital.

Reimbursement Claim Procedure

  • The insured has to submit the reimbursement claim form (duly filled and signed) to the 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 of 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 on 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

*The above is the claim process of Lifeline policy. For other policies, please contact the customer service team of Royal Sundaram.

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 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.

How to Contact Royal Sundaram General Insurance Company?

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

Contact number: 1860 425 0000

E-mail Address: customer[dotf]services[at]royalsundaram[dot]in.


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.

Find Out What Customers Are Saying

(Showing latest 5 reviews only)

- 4.7/5 (33 Total Rating)

October 20, 2021

Akhilesh Yadav


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

October 19, 2021



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

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!

October 8, 2021

Raj Choudhary


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

October 5, 2021

Lalit Koul


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

Last updated on September, 2021

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