Sehwag PX
Royal Sundaram Health Insurance
  • Maternity Cover
  • Tax Benefit U/S 80D
  • 100% Reload of Sum Insured
  • Claim Settlement Ratio 61.41%*
  • Comprehensive Health Insurance
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Royal Sundaram Health Insurance

Royal Sundaram Health Insurance offers various insurance such as Motor insurance, Health insurance, Personal Accident insurance and other products to individual customers' safety and convenience. Among all of these Royal Sundaram Alliance Insurance Company Limited is one of the first private sector general insurance companies (promoted by Sundaram Finance and RSA) that got the license in India since the year 2001.

Royal Sundaram General Insurance has made a 5-year growth plan to increase their income that comes from the home, accident, and health insurance by 25%. Royal Sundaram Health Insurance bloomed like a beautiful flower on the branch of Royal Sundaram Alliance Insurance Company Limited. Royal Sundaram General Insurance Accident and Health claim process received ISO 9001 - 2015 for the customer service and have won the 'Celent Model Insurer Asia Award' for the intelligent claims management system.

Royal Sundaram Health Insurance offers different benefits under different plans for all sections of society. Royal Sundaram Health Insurance offers individual and family floater benefit to the insured to cover to a specialized field. Royal Sundaram Health Insurance offers a wide range cover benefits including benefits like maternity benefits and the option to the auto-recharge sum insured every policy year even if a claim has been made.

It is a customer based insurance company with over 5 million clients all over the world, who are being provided with superior customer service through a multi-channel distribution network of Royal Sundaram Health Insurance agents, institutional tie-ups, brokers, etc. The company's presence is felt in over 180 cities nationwide.

Highlights of Royal Sundaram Health Insurance

Network Hospitals 3000+
Renewability Lifetime
Claims Ratio 80.41%
Waiting Period 3 years
Grievances Solved 80.41%

Types of Royal Sundaram Health Insurance

Everyone looks up for a different Health Insurance Plan as per different requirement and safe future perspective. Following are the various types of Royal Sundaram Health Insurance to insure all-rounder cover -

  1. Royal Sundaram Lifeline Classic Health Insurance
  2. Royal Sundaram Lifeline Supreme Health Insurance
  3. Royal Sundaram Lifeline Elite Health Insurance
  4. Royal Sundaram Family Good Health Insurance Plan
  5. Royal Sundaram Smart Cash Insurance Plan

Royal Sundaram Lifeline Classic Health Insurance

Royal Sundaram Lifeline Classic Health Insurance is the perfect plan that takes care of your health and of your budget as well. Royal Sundaram Lifeline Classic Health Insurance is a Comprehensive Health Insurance Plan for the insured and his/ her family at an affordable price. It offers benefits along with significant health cover for various certain illnesses, medical conditions, and critical health situations.

Features and Benefits of the Royal Sundaram Lifeline Classic Health Insurance

  • Royal Sundaram Lifeline Classic Health Insurance caters to the health insurance needs of customers who are looking for an affordable health insurance plan. This health insurance plan comes with sum insured options of Rs. 2 lacs, Rs. 3 lacs, and Rs. 4 Lacs.
  • Royal Sundaram Lifeline Classic Health Insurance offers 100% reloads of the sum insured to the policyholder at absolutely free of cost for the treatment of various illness resulting in the event of complete exhaustion of the sum assured and even in the case of No Claim Bonus.
  • The procedures that policyholder undergoes before getting hospitalized ( pre-hospitalisation) finally lead insured to a hospital, such as investigative tests and routine medication, can be quite financially draining. Royal Sundaram Lifeline Classic Health Insurance covers the medical expenses incurred by you up to 30 days before your hospitalization.
  • Royal Sundaram Lifeline Classic Health Insurance reimburses expenses after hospitalization such as doctor consultations, Diagnostic tests, medications, etc that the insured bear up to 60 days post his/ her hospitalization.
  • Royal Sundaram Lifeline Classic Health Insurance offers free health checkup to the policyholder at every 3rd policyholder.
  • If the insured require any ambulance service in case of an emergency to commute from the home/ location to hospital then he/ she gets an ambulance cover for up to Rs. 3, 000/-
  • Royal Sundaram Lifeline Classic offers the No claim bonus (NCB) to the insured which starts from 10% of the sum insured and extends up to 50%. No reduction in NCB, even when a claim is filed by the insured during a particular year
  • Any expenses that were incurred from the alternative treatment, medical treatment and alternative therapies such as AYUSH treatment for up to Rs. 20, 000/- from any registered hospital with a Government authority under an appropriate Act is also covered under the Royal Sundaram Lifeline Classic Health Insurance.
  • If the insured get any animal bite then he/ she will get up to Rs. 2, 500 for the vaccination of the same is offered under the Royal Sundaram Lifeline Classic Health Insurance.
  • Royal Sundaram Lifeline Classic Health Insurance offers the domiciliary¬†hospitalization where the insured is considered to be hospitalized, even when he/she is still at home. The condition of the insured patient does not allow him/her to be shifted to a hospital or nursing home or The patient had to undergo the treatment at home because of the unavailability of accommodation at the hospital(s) is covered up to the sum insured.
  • Royal Sundaram Lifeline Classic Health Insurance offers the optional benefit of Hospital Cash of Rs. 1,000 per day for 30 days to the insured in case of hospitalization beyond 2 days.
  • Royal Sundaram Lifeline Classic Health Insurance cover Expenses for Treatment of Organ Donor covered up to the sum insured to the policyholder.
  • Royal Sundaram Lifeline Classic Health Insurance offers free complete health check up to the policyholder at every 3rd year to the policyholder.

Eligibility of the Royal Sundaram Lifeline Classic Health Insurance

The Minimum eligibility age of Royal Sundaram Lifeline Classic Health Insurance is 18 Year, while there is No Maximum age as such. For the dependent children under the family floater plan the minimum eligibility age is between 91 days and the maximum eligibility age is 25 years old if any of the parents are insured under the Royal Sundaram Lifeline Classic Health Insurance plan.

Ambulance Cover up to Rs.3,000
Sum Assured 2 lacs, Rs. 3 lacs, and Rs. 4 Lacs.
No claim bonus 10-50%
Reload of sum insured 100 %

Exclusions of the Royal Sundaram Lifeline Classic Health Insurance

  • Diseases contracted by the insured person within the first 30 days after the commencement of policy are excluded from claims are not covered under the Royal Sundaram Lifeline Classic Health Insurance.
  • Any type of expenses that occurs due to the Artificial Life Maintenance, Charges for Medical Papers, Circumcision, Conflict, and Disaster, etc are excluded under the Royal Sundaram Lifeline Classic Health Insurance
  • Any Pre-existing medical conditions as mentioned in the policy and declared by the insured at the time of purchasing the policy will be covered only after 48 months of uninterrupted policy coverage. Claims are void if there is any gap in policy renewal of the Royal Sundaram Lifeline Classic Health Insurance.

Royal Sundaram Lifeline Supreme Health Insurance

Royal Sundaram Lifeline Supreme Health Insurance is a basic health insurance plan that covers the individual and you can go for family floater as well.. Royal Sundaram Lifeline Supreme Health Insurance is a comprehensive health insurance plan that is designed in a way that suits every sector client. It covers maximum adults and up to 4 children of the family and offers various benefits including Health & Wellness benefits, Annual Health Check-up, Second Opinion for Critical Illness and much more!

Benefits and Features of the Royal Sundaram Lifeline Supreme Health Insurance

  • Royal Sundaram Lifeline Supreme Health Insurance offers the sum insured options of Rs. 5 Lacs, 10 Lacs, 15 Lacs, 20 Lacs, and 50 Lacs.
  • Royal Sundaram Lifeline Supreme Health Insurance offers 100% reloads of the sum insured if the policyholder at absolutely free of cost for the treatment of various illness resulting in the event of complete exhaustion of the sum assured and even in the case of No Claims Bonus.
  • If the policyholder suffers from 11 critical illnesses then Royal Sundaram Lifeline Supreme Health Insurance provides a chance of the second opinion to the insured.
  • The procedures that policyholder undergoes before getting hospitalized ( pre-hospitalisation) finally lead insured to a hospital, such as investigative tests and routine medication, can be quite financially draining. Royal Sundaram Lifeline Supreme Health Insurance covers the medical expenses incurred by you up to 60 days before your hospitalization.
  • Royal Sundaram Lifeline Supreme Health Insurance reimburses expenses after hospitalization such as doctor consultations, Diagnostic tests, medications, etc that the insured bear up to 90 days post his/ her hospitalization.
  • Royal Sundaram Lifeline Supreme Health Insurance offers free health checkup to the policyholder at every 3rd policyholder.
  • If the insured require any ambulance service in case of an emergency to commute from the home/ location to hospital then he/ she gets an ambulance cover for up to Rs. 5, 000/-
  • Royal Sundaram Lifeline Supreme Health Insurance offers the No claim bonus (NCB) to the insured which starts from 20% of the sum insured and extends up to 100%. No reduction in NCB, even when a claim is filed by the insured during a particular year.
  • Royal Sundaram Lifeline Supreme Health Insurance offers the Emergency domestic evacuation to the insured cover of up to Rs. 1 lac.
  • Royal Sundaram Lifeline Supreme Health Insurance offers the optional benefit of Hospital Cash of Rs. 2,000 per day for 30 days to the insured in case of hospitalization beyond 2 days.
  • Any expenses that were incurred from the alternative treatment, medical treatment and alternative therapies such as AYUSH treatment for up to Rs. 30, 000/- from any registered hospital with a Government authority under an appropriate Act is also covered under the Royal Sundaram Lifeline Supreme Health Insurance.
  • If the insured get any animal bite then he/ she will get up to Rs. 5, 000 for the vaccination.
  • Royal Sundaram Lifeline Supreme Health Insurance offers the domiciliary hospitalization where the insured is considered to be hospitalized, even when he/she is still at home. The condition of the insured patient does not allow him/her to be shifted to a hospital or nursing home or the patient had to undergo the treatment at home because of the unavailability of accommodation at the hospital(s) is covered up to the sum insured.

Eligibility of the Royal Sundaram Lifeline Supreme Health Insurance

The Minimum eligibility age of Royal Sundaram Lifeline Supreme Health Insurance is 18 Year, while there is No Maximum age as such. For the dependent children under the family floater plan, the minimum eligibility age ie between 91 days and the maximum eligibility age is 25 years old if any of the parents are insured under the Royal Sundaram Lifeline Supreme Health Insurance plan.

Ambulance Cover up to Rs.5,000
Sum Assured 5 Lacs, 10 Lacs, 15 Lacs, 20 Lacs, and 50 Lacs.
No claim bonus 10-50%
Second opinion For 11 critical illnesses
Reload of sum insured 100 %

Exclusions of the Royal Sundaram Lifeline Supreme Health Insurance

  • Royal Sundaram Lifeline Supreme Health Insurance does not include the benefit to the insured to avail the benefits of worldwide emergency hospitalization hence no assistance is offered to the insured overseas.
  • Pre-existing medical conditions described in the policy and declared by the insured at the time of purchase will avail cover only after 36 months of continuous policy coverage. No claims will be settled if there is any gap in the renewal of policy under the Royal Sundaram Lifeline Supreme Health Insurance.
  • Any sexually transmitted diseases such as HIV and AIDS or any other is not covered under the Royal Sundaram Lifeline Supreme Health Insurance.

Royal Sundaram Lifeline Elite Health Insurance

Now a day along with staying in the country, one has to travel around the globe for various other purposes. If you are a globe trotter and looking for a Health Insurance Plan which provides the best coverage in India as well as Abroad, then Lifeline Elite is the plan for you. 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, and maternity expenses

Benefit and Features of the Royal Sundaram Lifeline Elite Health Insurance

  • Royal Sundaram Lifeline Elite Health Insurance offers the sum insured options of Rs.25 lacs, Rs.30 lacs, Rs.50 lacs, Rs.1 crore and Rs.1.5 crores.
  • Royal Sundaram Lifeline Elite Health Insurance offers 100% reloads of the sum insured to the policyholder at absolutely free of cost for the treatment of various illness resulting in the event of complete exhaustion of the sum assured and even in the case of No Claim Bonus.
  • If the policyholder suffers from 11 critical illnesses then Royal Sundaram Lifeline Elite Health Insurance provides a chance of the second opinion to the insured.
  • Royal Sundaram Lifeline Elite Health Insurance offer Worldwide Emergency Hospitalization-Excluding US and Canada up to 50% of Base SI up to a max of Rs.20lacs; Deductible of $1,000 per hospitalization
  • The procedures that policyholder undergoes before getting hospitalized ( pre-hospitalization) finally lead insured to a hospital, such as investigative tests and routine medication, can be quite financially draining. Royal Sundaram Lifeline Elite Health Insurance covers the medical expenses incurred by you up to 60 days before your hospitalization.
  • Royal Sundaram Lifeline Elite Health Insurance reimburses expenses after hospitalization such as doctor consultations, Diagnostic tests, medications, etc that the insured bear up to 180 days posts his/ her hospitalization.
  • Royal Sundaram Lifeline Elite Health Insurance offers free health checkup to the policyholder at every 3rd policyholder.
  • If the insured require any ambulance service in case of an emergency to commute from the home/ location to hospital then he/ she gets an ambulance cover for up to Rs. 10, 000/-
  • Royal Sundaram Lifeline Elite Health Insurance offers the No claim bonus (NCB) to the insured which starts from 20% of the sum insured and extends up to 100%. No reduction in NCB, even when a claim is filed by the insured during a particular year.
  • Royal Sundaram Lifeline Elite Health Insurance offers OPD treatment benefit up to Rs. 10. 000 to the insured.
  • Royal Sundaram Lifeline Elite Health Insurance offers the Emergency domestic evacuation to the insured cover of up to Rs. 1 lac.
  • Maternity cover for up to Rs 2 lac for sum Insured up to Rs. 50 Lakh and Rs. 2.5 lakh for sum insured more than Rs. 50 lacs is offered by the Royal Sundaram Lifeline Elite Health Insurance offer. It also offers newborn baby benefit for 25% of the sum insured and vaccination are also covered up to Rs. - 10, 000.
  • Any expense incurred from the alternative treatment, medical treatment and alternative therapies such as AYUSH treatment for up to Rs. 50, 000/- from any registered hospital with a Government authority under an appropriate Act is also covered under the Royal Sundaram Lifeline Elite Health Insurance.
  • If the insured get any animal bite then he/ she will get up to Rs. 5, 000 for the vaccination.
  • Royal Sundaram Lifeline Elite Health Insurance offers the domiciliary¬†hospitalization where the insured is considered to be hospitalized, even when he/she is still at home. The condition of the insured patient does not allow him/her to be shifted to a hospital or nursing home or the patient had to undergo the treatment at home because of the unavailability of accommodation at the hospital(s) is covered up to the sum insured.
  • Royal Sundaram Lifeline EliteInsurance offers the optional benefit of Hosptial Cash of Rs. 5,000 per days for 30 days to the insured in case of hospitalization beyond 2 days.
  • Royal Sundaram Lifeline Elite Health Insurance offers emergency Domestic Evacuation ( the Bed to Bed on the advice of the treating doctor) up to Rs. 3 lakh.

Eligibility of the Royal Sundaram Lifeline Elite Health Insurance

The Minimum eligibility age of Royal Sundaram Lifeline Elite Health Insurance is 18 Year, while there is No Maximum age as such. For the dependent children under the family floater plan, the minimum eligibility age ie between 91 days and the maximum eligibility age is 25 years old if any of the parents are insured under the Royal Sundaram Lifeline Elite Health Insurance plan.

Ambulance Cover up to Rs.10,000
Sum Assured Rs.25 lacs, Rs.30 lacs, Rs.50 lacs, Rs.1 crore and Rs.1.5 crores.
No claim bonus 20-100%
OPD Treatment Cover up to Rs.10000
Emergency domestic evacuation cover up to Rs.3 Lacs

Exclusions of the Royal Sundaram Lifeline Elite Health Insurance

  • Critical Illness that is contracted by the insured person within the first 90 days after the commencement of policy will not be considered for claims under the Royal Sundaram Lifeline Elite Health Insurance
  • Royal Sundaram Lifeline Elite Health Insurance has Permanent exclusions for any expense that occur due to Addictive Conditions and Disorders such as alcohol, drugs, etc of the insured.
  • Royal Sundaram Lifeline Elite Health Insurance will not be covered during the first two years of insurance. diseases such as cataracts, Benign Prostatic Hypertrophy, Knee/Hip Replacement, Chronic Renal Failure/ End Stage Renal Failure, etc.,

Royal Sundaram Family Good Health Insurance Plan

Family is the utmost priority no matter what we plan to do in order to secure a better future and secured life. Royal Sundaram Family Good Health Insurance Plan offers both individuals as well as family floater health insurance plan. It offers insurance cover to the individual, spouse, and children - a maximum of 2 adults and 3 children.

Benefits and Features of the Royal Sundaram Family Good Health Insurance Plan

  • Royal Sundaram Family Good Health Insurance Plan Caters up to the health insurance needs of customers who are looking for an affordable health insurance plan. This health insurance plan comes with sum insured options of Rs. 2 lacs, Rs. 3 lacs, and Rs. 4 Lacs.
  • The procedures that policyholder undergoes before getting hospitalized ( pre-hospitalisation) finally lead insured to a hospital, such as investigative tests and routine medication, can be quite financially draining. Royal Sundaram Family Good Health Insurance Plan covers the medical expenses incurred by you up to 30 days before your hospitalization.
  • Royal Sundaram Family Good Health Insurance Plan reimburses expenses after hospitalization such as doctor consultations, Diagnostic tests, medications, etc that the insured bear up to 60 days post his/ her hospitalization.
  • Royal Sundaram Family Good Health Insurance Plan Offers cash allowance of Rs.10,000 per day post 21 days of hospitalization
  • If the insured require any ambulance service in case of an emergency to commute from the home/ location to hospital then he/ she gets an ambulance cover for up to Rs. 1, 000/- under Royal Sundaram Family Good Health Insurance Plan
  • Royal Sundaram Family Good Health Insurance Plan offers a health check up to the policyholder at every 4th policyholder up to Rs. 750.

Eligibility of the Royal Sundaram Family Good Health Insurance Plan

The Minimum eligibility age of Royal Sundaram Family Good Health Insurance Plan is 91 days, while the Maximum age is 21 years. For the dependent children under the family floater plan, the minimum eligibility age ie between 91 days and the maximum eligibility age is 25 years old if any of the parents are insured under the Royal Sundaram Family Good Health Insurance Plan.

Policy Period 1 to 2 years
Sum Assured Rs.2, 3 or 4 lakhs
No claim bonus 5-50%
Medical Screening Required for entrants over 50 yrs

Exclusions of the Royal Sundaram Family Good Health Insurance Plan

  • Any type of hereditary disease/ illness expense of the insured is not covered under the Royal Sundaram Family Good Health Insurance Plan.
  • If the insured is involved in any hazardous or adventure sport such as paragliding, rock climbing, etc, then expenses occurring out of such conditions are not covered under the Royal Sundaram Family Good Health Insurance Plan.

Royal Sundaram Smart Cash Insurance Plan

Royal Sundaram Smart Cash Plan Insurance is a regular health insurance cover wherein a certain amount is made available for 24 hours of hospitalization to the insured. The same amount could be utilized for travel expenses, accommodation of the attendant and other hospitalization related expenses.

Features and Benefits of the Royal Sundaram Smart Cash Insurance Plan

  • Royal Sundaram Smart Cash Plan Insurance offers a chance to avail the Smart Cash Plan through different plans including daily benefits that range between Rs.500 to Rs.10, 000/- each day of hospitalization of, beyond a period of 24 hours.
  • Royal Sundaram Smart Cash Plan Insurance offers a lump sum amount of Rs.10, 000 to the insured in case the hospitalization goes above consecutive 15 days.
  • Royal Sundaram Smart Cash Plan Insurance also Offers parental accommodation if in case the insured hospitalized is less than 12 years old and hospitalized. This benefit is offered in addition to the hospitalization benefit as per the selected plan by the insured.
  • Royal Sundaram Smart Cash Plan Insurance Offers coverage for a period of 180 days including any treatment to be taken abroad while on an official visit on a holiday.
  • Royal Sundaram Smart Cash Plan Insurance also offers optional benefits that can be availed at an extra premium at an affordable rate. The optional plans can be like the personal accident benefit to the inured for odd times.

Eligibility of the Royal Sundaram Smart Cash Insurance Plan

The Minimum eligibility age of the Royal Sundaram Smart Cash Insurance Plan is 91 days, while the Maximum age is 70 years. For the dependent children under the family floater plan, the minimum eligibility age ie between 91 days and the maximum eligibility age is 25 years old if any of the parents are insured under Royal Sundaram Smart Cash Insurance Plan.

Policy Period 180 days
Maternity cover Available
Daily benefits Rs.500 to Rs.10, 000/- each day
Health Checkup Available

Exclusions of the Royal Sundaram Smart Cash Insurance Plan

  • Any type of treatment related to vision or eyesight of the insured is not covered under the Royal Sundaram Smart Cash Insurance Plan.
  • If the insured is suffering from any sexually transmitted diseases such as AIDS, HIV then no expense coverage is offered to him/ her under the Royal Sundaram Smart Cash Insurance Plan.

Key Features of Royal Sundaram Health Insurance

Royal Sundaram Health Insurance offers affordable health plans with a wide range of benefits to take care of you and your family. Royal Sundaram Health Insurance plans are flexible and affordable with different Sum Insured options that suit you according to your different and specify need. One can also choose from basic health coverage to specialist medical insurance plans that offer maternity benefits. Key Features of the Royal Sundaram Health Insurance -

  • Pre and post hospitalization expenses
  • 200 Day Care procedures Covered
  • Lifetime renewal
  • Tax benefit under section 80 (D)
  • ISO certified claims process
  • Maternity cover
  • Cashless hospitalization at over 3000+ network hospitals
  • Get Cumulative bonus for every claim free years up to 100% of the base sum insured.
  • 100% Reload of Sum Insured at no extra cost.
  • Pre-existing cover after a 3-year waiting period.

Royal Sundaram Health Insurance Online Renewal

In order to maintain and continue the benefits of the Royal Sundaram Health Insurance renewal is very important. Royal Sundaram Health Insurance gives a grace period to the insured if he/she fails to renew on the due date or before the due date, to avoid the lapse of the health policy. For the convenient and easy online Renewal of the Royal Sundaram Health Insurance, one can follow the following steps:-

  • You must visit the Company.
  • Then one must click on the Insta Renew' option in order to begin the Royal Sundaram Health Insurance Renewal Online.
  • Enter the details like name, policy number, and expiry date to get your renewal notice.
  • Pay the renewal premium online using net banking, credit card or debit card.
  • Upon successful payment, the policy will be renewed and you'll get a renewal completion document on your registered email ID.

Royal Sundaram Health Insurance Claims Process

The claim is a very important part of any insurance policy. If you cannot get the benefit of your insurance policy in the time of requirement, what is the use of such policy? All claims for the following 4 benefits will be serviced through Europe Assistance India Pvt. Ltd -

  • Second Opinion for 11 Critical Illness
  • Emergency Domestic Evacuation /
  • Worldwide Emergency Hospitalization
  • International Treatment for 11 Specified Critical Illnesses

While all claims for benefits other than these 4 benefits will be serviced through Paramount Health Services & Insurance TPA Pvt.Ltd

Royal Sundaram Health Insurance offers to claim in two ways -

  • Claim process - For the Claim process the treatment must be done only at the network hospital of the Royal Sundaram Health insurance company servicing your policy.
  • Reimbursement Process - In the case of the Reimbursement process, the insurance company has to be informed as per their prescribed procedures.

Claim Process - Cashless Service for Domestic Claims

  • In the case of planned hospitalization, then the insured have to intimate the Third Party Associative (TPA). It is important and crucial to seek for the cashless authorization at least 72 hours prior to the hospitalization of the insured.
  • In case if the insured have to be admitted in event of any emergency hospitalization it is very important to inform the TPA within 24 hours of the hospitalization.
  • Then one has to fill in the cashless authorization form within 3 hours given by the TPA post checking the coverage. After this, the eligibility of insured for the claim too would be verified by the authorities. Then the documents of the insured are needed to be Attach and then send the form within 3 hours back to the TPA. The TPA would get in touch with the concerned person, within 4 hours of the submitting receipt of the documents in case of a deficiency
  • You have to immediately make the payment of the non-medical charges and for the expenses which are not covered to the hospital prior to the discharge of the insured.
  • 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. One can apply for reimbursement claim in case of rejection of the cashless claim.

Claim Procedure for Cashless facility for the Worldwide Emergency Hospitalization

  • You have to inform the Royal Sundaram Health Insurance within 24 hours of hospitalization.
  • Your eligibility as per the request made would be verified by the Service Provider and you will receive a call for more information or details if required.
  • The Royal Sundaram Health Insurance Provider will get in touch with the same hospital immediately 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. Royal Sundaram Health Insurance can also decline the request after rechecking everything.
  • Any other additional charges approved by the service provider would be paid by the insured.

Claim Procedure for Reimbursement

One has to submit the reimbursement claim form, duly filled and signed which is needed to be sent to the Royal Sundaram Health Insurance within 30 days from the date of discharge of the insured.

  • In case of any discrepancy in the documents or the information submitted by the insured, he/ she will receive a deficiency letter within the 7 days from the date of receipt of the documents from Royal Sundaram Health Insurance
  • If there is no deficiency of the received documents then the Royal Sundaram Health Insurance would make the payment of the admissible amount within 30 days as per the policy terms and conditions of the health insurance plan.
  • The payment will be made in the name of the proposer.
  • Insured need to send across the Reimbursement Claim documents properly to:

Royal Sundaram Health Insurance Review

Royal Sundaram Health Insurance offers a transparent and well-organized insurance policy. Royal Sundaram Health Insurance plans are curated in a specific way in a specific way to shield the insured against his/ her huge financial responsibilities towards the family during and after hospitalization including whole medical treatment, hospitalization, tests and etc. Claim settlement ratio of the Royal Sundaram Health Insurance works as a cherry on the cake in terms of enhancing the importance of this plan. Royal Sundaram Health Insurance has a very good reputation in terms of a good claim settlement ratio among other health insurance companies. Also, the Royal Sundaram General Insurance Company was one of the first private insurance companies to tie up with banks to sell their retail products. Hence, in terms of enjoying the benefit of a dependable, compatible to needs, transparency to the customers and 24 * 7 customer care service, one should opt for the Royal Sundaram Health Insurance Policy.

FAQ

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.

2. Why should I prefer a Royal Sundaram Health Insurance policy over any other health insurance policy?

Royal Sundaram Health Insurance policy offers various insured specific benefits to the insured. Some of the advantages are as follows:

  • Royal Sundaram Health Insurance policy requires Minimal documentation and no requirement for the pre-screening medical tests for customers up to 50 years of age.
  • Royal Sundaram Health Insurance policy offer Coverage for pre-existing diseases to the insured after four years of continuous coverage under the Royal Sundaram.
  • Royal Sundaram Health Insurance has More than 3000+ network hospitals under which the insured avail cashless facilities.

3. What is the meaning of the Royal Sundaram Accident Hospitalization benefit?

Under the Royal Sundaram, Accident Hospitalization benefits the total insured sum is the maximum payable amount in case of hospitalization due to illness. However, hospitalization due to accidents is eligible for the maximum cover of 150% of the insured amount under the Royal Sundaram Accident Hospitalization benefit. In situations where the insured amount of the policyholder is exhausted due to hospitalization for treatment of illnesses, that will still have the excess 50% left for treatment emergency accidental injuries. This provides an added buffer towards unpredictable incidents.

4. How can I check my Royal Sundaram Health Insurance claim status?

You can check your Royal Sundaram Health Insurance claim status following the easily by

  • You have to Visit the insurer's website
  • Click on the 'Customer Service Request' tab and select the product type.
  • Enter your policy number and personal details
  • Select the 'Claim Related' service request to track your claim status.

Note- You can also call customer service helpdesk number 1860 425 0000 or email to customer.services@royalsundaram.in.

5. If I get admitted to a Suit in a Hospital will Royal Sundaram health Insurance pay me fully?

Yes you will get full payment by Royal Sundaram health Insurance. There is no capping on room rent category and customer can choose from any of the room available in the hospital.

6. How can I pay my Royal Sundaram Health Insurance premium? What are the different modes of payment available?

You can pay The Royal Sundaram Health Insurance offers 2 modes of premium payment namely:

  • Cash payment at the branch
  • Online Payment

If you want to use the online payment mode, then you can pay via;

  • Credit Card
  • Debit Card
  • Net banking

7. What is the benefit of the request for Do Not Call?

If anyone does not wish to be informed about any insurance benefits through telephone calls, he/ she may register with the Royal Sundaram Health Insurance in the 'Do Not Call' service to exclude his/ her name from the company's telemarketing services.

8. What are the important details which are required during the Royal Sundaram claim intimation?

Details which are required during the Royal Sundaram claim intimation are as following -

  • Health Insurance Policy number
  • Phone no., email id, address, landmark, etc. of the insured/claimant
  • Name of an Insured/claimant who is admitted in the hospital
  • Relationship of insured with the person who is hospitalized.
  • Name of the hospital
  • Nature of ailment (For health claims)
  • Nature of accident, date, time and location of the incident (For accident cases)
  • The commencement date of the symptom of the ailment

9. What is Doctor on Chat in Royal Sundaram Health Insurance?

Royal Sundaram Health Insurance not only takes care of the medical expenses of the insured but it also provides benefits which help the insured in proactively manage the good health. One can also obtain an opinion from a doctor using the Royal Sundaram Health & Wellness Program by which the insured can email his/ her query and will get a response within 24 working hours.

10. How can I cancel my Royal Sundaram Health Insurance policy?

You have to visit the Royal Sundaram website, and then follow the following simple steps-

  • Click on the 'Customer Service Request' tab.
  • Select the product type.
  • Enter your policy number and personal details.
  • Then select 'policy cancellation' service request.

Note - You can also call customer service helpdesk number 1860 425 0000 or email to customer.services@royalsundaram.in.

Contact Address

Royal Sundaram Alliance Insurance Company Limited
Vishranthi Melaram Towers, No.2/319, Rajiv Gandhi Salai (OMR) Karapakkam, Chennai - 600097
Tel : 91-44-7117 7117, Fax : 91-44-7113 7114
Email: customer(dot)services(at)royalsundaram(dot)in

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