Royal Sundaram Health Insurance

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About Royal Sundaram General Insurance

Royal Sundaram General Insurance (formerly known as Royal Sundaram Alliance Insurance Company Limited) is one of the leading general insurance companies in India. It is one of the first private sector general insurance companies to get a license by IRDAI in 2000. It is a customer-centric insurance company, which provides superior customer service through a multi-channel distribution network of Royal Sundaram agents, institutional tie-ups, brokers, etc.

The company offers a wide range of health insurance products to cater to the multiple needs of the policyholders.

Highlights of Royal Sundaram General Insurance

Customers across India4.5 million
Claim Settlement Ratio (2018-19)61%

**Last Updated on 29-01-2021

Royal Sundaram General Insurance Highlight

Types of Royal Sundaram Health Insurance Plans

  1. 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.


    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. Thanks to its list of multiple benefits, the plan is known to offer the greatest comfort to its owners.

    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.


    Entry AgeAdults: 18 Years, Children: 91 days
    Maximum Entry AgeAdults: No Limit, Children: 25 years
    Sum InsuredRs. 5 Lakhs, Rs. 7.5 Lakhs, Rs. 10 Lakhs, Rs. 15 Lakhs, Rs. 20 Lakhs, Rs. 25 Lakhs, Rs. 50 Lakhs and Rs.100 Lakhs

    **Last Updated on 29-01-2021


    Royal Sundaram Lifeline Elite Health Insurance

    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, among others.

    Key Features:

    • The plan offers coverage (up to Rs.7500) for the vaccination in case of an animal bite.
    • All daycare procedures are covered by the plan.
    • One can also avail of maternity benefits for up to 2 deliveries.
    • Domiciliary hospitalisation and organ donor expenses are covered up to the sum insured limit.


    Entry AgeAdults: 18 Years, Children: 91 days
    Maximum Entry AgeAdults: No Limit, Children: 25 years
    Sum InsuredRs.25 Lakhs, Rs.30 Lakhs, Rs.50 Lakhs, Rs.100 Lakhs, and Rs.150 Lakhs

    **Last Updated on 29-01-2021


    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 at an affordable price. It takes care of all the medical needs with flying colors.

    Key Features:

    • The plan offers coverage for domiciliary hospitalization that involves treatment exceeding 3 days.
    • The plan covers expenses for the person who undergoes organ transplant treatment for the insured.
    • The policyholder is eligible to get coverage (up to Rs.20,000) for AYUSH treatments.
    • Ambulance cover (up to Rs.3000) is also provided by the plan.


    Minimum Entry AgeAdults: 18 Years, Children: 91 days
    Maximum Entry AgeAdults: No Limit, Children: 25 years
    Sum InsuredRs.2 Lakhs, Rs. 3 Lakhs, and Rs. 4 Lakhs

    **Last Updated on 29-01-2021

  2. Royal Sundaram Family Plus

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

    Key Features

    • The 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 new born in the first year, provided that the 2 adults are covered under the same family floater policy.


    Minimum Entry AgeAdults: 18 Years, Children: 91 days
    Maximum Entry AgeNo Limit
    Individual Base Sum InsuredRs.2 Lakhs, Rs.3 Lakhs, Rs.5 Lakhs, Rs.10 Lakhs & Rs.15 Lakhs
    Family Floater Sum InsuredRs.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 29-01-2021

  3. COVID Secure

    Royal Sundaram COVID Secure is designed for those individuals who have succumbed to the wrath of COVID-19 and lost income due to it. In other words, the plan offers a lump-sum benefit to the insured who is quarantined or hospitalized in India on a positive diagnosis of COVID-19.

    Key Features

    • The policy has a waiting period of 30 days from the date of inception. Post this, the insured can avail of the policy's benefits.
    • The plan can only be purchased on an individual basis.
    • The insured has an option to cancel the policy within 15 days of providing the written notice.


    Minimum Entry AgeAdults: 21 years
    Maximum Entry AgeAdults: 65 years
    Sum InsuredRs.25,000 & 50,000
    Policy Term1 year

    **Last Updated on 29-01-2021

  4. Arogya Sanjeevani Policy

    Royal Sundaram Arogya Sanjeevani Policy is offered to cover every Indian at very affordable premiums. For example, a 30-year old individual can buy coverage of Rs.1 lakh at Rs.7/day.

    Key Features

    • Expenses incurred before and after hospitalization are covered for 30 & 60 days respectively.
    • If the insured doesn't claim in a year, his/her coverage will increase by 5%.
    • The plan also covers expenses incurred against modern treatments.


    Minimum Entry AgeAdults: 18 years, Children: 3 months
    Maximum Entry AgeAdults: 65 years, Children: 25 years
    Sum InsuredRs.1-5 Lakhs

    **Last Updated on 29-01-2021

Why Should You Invest In Royal Sundaram Health Insurance?

Royal Sundaram is a trusted name in the insurance industry. Its health plans are one of the best in the market. Along with the benefits offered under its health insurance, people like to trust the company due to the following reasons:

Network Hospitals

Network Hospitals

With an army of 5000+ network hospitals, the insured can approach the nearest network hospital and avail of cashless hospitalization whenever necessary.

ISO Certified Claim Process

ISO Certified Claim Process

Thanks to the quick and exceptional management, the company's claim process has managed to grab ISO certification.

Around 20 Years of Experience

Around 20 Years of Experience

Since its inception, Royal Sundaram has functioned like a champ and provided minimal reasons to its customers for complaints.

What's Not Covered Under Royal Sundaram Health Insurance?

Generally, there are three things, which are not covered under the Royal Sundaram Health Insurance. Let's learn about them.

Pre-existing diseases up to the waiting period.Addictive disorders.Adventurous/hazardous sports.

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

How To Buy Royal Sundaram Health Insurance?

Royal Sundaram Health Insurance can be bought from the official website of the company. Let's check its process.

  • Visit the website of Royal Sundaram General Insurance. COVID Secure and Arogya Sanjeevani are listed on the home page. If you want to buy another plan, click on the 'Health' 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.

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

Claims for the following 4 benefits will be serviced through Europ Assistance India Pvt. Ltd (Royal Sundaram's Service Provider)-

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

Royal Sundaram General Insurance allows the insured to file claims (for health plans) in two different ways, which are mentioned below.

  • Cashless claim process - The treatment must be done only at the network hospital associated with Royal Sundaram General Insurance. Under the same, the insured can easily get the required treatment without paying anything from his/her pocket. The company will directly pay for the treatment to the hospital.
  • 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. It is important for the insured to keep all documents, bills, and prescriptions ready as the insurance company will ask for the same.
  1. Claim Process - Cashless Service for Domestic Claims

    • In the case of planned hospitalization, the insured has to intimate the Third Party Associate (TPA) 72 hours prior (in case of a planned hospitalization) and within 24 hours (in case of emergency hospitalization).
    • 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.

    **One can also apply for a reimbursement claim in case of rejection of the cashless claim.

  2. Claim Procedure for Cashless facility for the 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.
  3. Claim Procedure 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.
  4. Claim Procedure for Reimbursement

    • 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.

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

  5. Documents Required

    Medical billsTest reportsDuly filled claim formPrescriptionsPolicy documentID proofOthers 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.

Contact Details

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 and get my premium back?

Yes. You can cancel your policy and the premium will be refunded. However, the amount will be based as per 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 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. What is the benefit of the request for 'Do Not Call' under Royal Sundaram General Insurance Company?

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

6. How does Royal Sundaram calculate the premium of its health policies?

Some of the notable factors that contribute to the premium calculation are stated below-

  • Age of the individual
  • Sum insured
  • Lifestyle
  • The profession of the individual
  • Body Mass Index

Page updated on 29-01-2021