Royal Sundaram Health Personal Accident Policy
  • Global Coverage Available
  • 5 Crore SI
  • Education Grant
premium

Network hospitals

10000+

premium

Incurred claim ratio

83.36%

premium

Sum insured

Up to 1.5 CR

premium

No. of Plans

10

premium

Solvency Ratio

2.1

premium

Pan India Presence

158

Customized Health Insurance Plan for you.

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Select Members You Want To Insure

Age of Eldest Member

premium

Network hospitals

10000+

premium

Incurred claim ratio

83.36%

premium

Sum insured

Up to 1.5 CR

premium

No. of Plans

10

premium

Solvency Ratio

2.1

premium

Pan India Presence

158

Royal Sundaram Personal Accident Policy

Royal Sundaram Personal Accident Policy safeguards insured individuals against the loss of income, provides the best medical care, and ensures your children's education. The plan also offers 24/7 global coverage, family coverage, protection that grows every year, and a free look period for customers. Royal Sundaram Accident Policy provides coverage for:

  • Accidental Death 
  • Permanent Total Disability 
  • Permanent Partial Disability 
  • Temporary Total Disability 
  • Accidental Hospitalization, and more.

The plan offers multiple sum insured options ranging between 2.5 Lakhs to 5 Crores along with a 50% cumulative bonus and flexible premium payment options. Adults between the ages of 18 to 70 years can be covered under the plan along with dependent children between 3 Months to 25 Years of age. 

Royal Sundaram Personal Accident Policy Eligibility Criteria

Before investing in the Royal Sundaram Personal Accident Policy customers must fulfill the following eligibility criteria as mentioned below: 

Entry Age Entry Age  Minimum: 18 Years
Child: 3 Months to 25 Years 
Maximum: 70 Years
Sum Insured 2. 5 L  to 1 Crore (In multiples of 50k) 
1.5 Crores to 5 Crores (In multiples of 50 Lakhs)
Plan Type Individual/Family Floater
Initial Waiting Period None
Policy Term 1 Year 

Royal Sundaram Personal Accident Policy Benefits 

There are various in-built benefits added to the Royal Sundaram Personal Accident Policy which is availed by insured individuals as per their medical requirements. To learn more about the various benefits of the plan read the details mentioned below: 

  • Global Coverage

     Royal Sundaram Personal Accident Policy offers insured individuals 24/7 global coverage assistance for up to INR 1 Crore regardless of where you are in the world. With this particular facility, you are ensured of efficient medical care. 

  • Optional Covers Available 

     There are various optional covers available under the Royal Sundaram Personal Accident Policy like Temporary Total Disablement, 10% of sum insured for Hospitalization expenses due to accident, and 10% of the sum insured per child for education grant. 

  • Cumulative Bonus 

     Royal Sundaram Personal Accident Policy offers insured individuals a 5% no-claim bonus subject to a maximum of 50% of SI. 

  • No Waiting Period

     When you invest in the Royal Sundaram Personal Accident Policy, the insured individual can avail of coverage of the Personal Accident Policy without serving any initial waiting period. The coverage starts the moment you buy the policy. 

  • Flexible-Premium Payment 

     Royal Sundaram Personal Accident Policy offers flexible premium payment options to insured individuals with Monthly, Quarterly, Half-Yearly, and Yearly options. 

Royal Sundaram Personal Accident Policy Coverage

Individuals who opt for the personal accident policy by Royal Sundaram are assured of the following coverages:

Base Coverage

  • Accidental Death - 100% of Sum Insured. 
  • Permanent Total Disablement - 100% of Sum Insured.
  • Permanent Partial Disability - As per the defined disability conditions in the policy schedule.

Optional Coverage 

  • Temporary Total Disablement - 0.2% of SI per week up to a maximum of 100 weeks. 
  • Hospitalization Expenses due to Accident - 10% of Sum Insured.
  • Education Grant - 10% of Sum Insured per child. 

Other Benefits   

  • Cumulative Bonus - 5% of each claim-free year, subject to a maximum of 50% of SI.   

Royal Sundaram Personal Accident Policy Risk Groups 

The plan has divided insured individuals into 4 different risk groups based on their occupation which are mentioned below:

  • Risk Class 1

     Skilled white collar class with no exposure to occupational hazards such as accountants, doctors, lawyers, architects, consulting engineers, teachers, bankers, and more. 

  • Risk Class 2  

     Skilled white-collar individuals with minimal exposure to occupational hazards, like builders, contractors, and engineers engaged in superintending functions only. 

  • Risk Class 3  

     Skilled/semi-skilled class with moderate exposure to occupational hazards like delivery boys, diploma engineers, working on shop floors, etc. 

  • Risk Class 4 

     Unskilled individuals have high exposure to occupational hazards like loaders, mine workers, laborers, etc.

Royal Sundaram Personal Accident Policy Permanent Exclusions

Permanent diseases or health conditions that are not included under the Royal Sundaram Personal Accident Policy are mentioned below:

Intentional self-injury

Injuries due to intoxication or alcohol abuse.  

Hazardous sports activities. 

Sterility or infertility related treatments.

Childbirth or pregnancy related.

Wrapping It Up

Royal Sundaram Personal Accident Policy provides all-around coverage to individuals and families against accidents and consequences of accidents like temporary and partial disablement. The plan is equipped to support you and your family in case of any medical emergency. It is an apt plan as it is divided in 4 different risk classes keeping in mind customers from all walks of life and professions. 

Explore Other Royal Sundaram Health Plans

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:

Royal Sundaram's Lifeline Classic

This is a plan that covers basic hospitalization and many health and wellness benefits.

Unique Features

  • OPD Cover
  • Affordable Premium
  • Tax Benefit

Lifeline Classic (Pros)

  • Organ Donor Benefit
  • Inpatient Hospitalization
  • Pre And Post Hospitalization
  • Vaccination Cover
  • Reload of SI

Lifeline Classic(Cons)

  • No Gender Treatments
  • No Global Coverage
  • No Alcoholism Ailments Cover
  • No Cosmetic Cover
  • No Obesity/Weight Cover

Lifeline Classic(Other Benefits)

  • Domiciliary Hospitalization
  • No Room Rent Capping
  • Ambulance Cover
  • AYUSH Treatment Covered
  • 10% No Claim Bonus

Lifeline Classic (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 2 L to 4 L
  • Waiting Period - 30 Days

Royal Sundaram's Lifeline Supreme

This plan is the enhanced lifeline health insurance that offers a high sum insured of 1 crore. The plan offers hospitalization, domestic evacuation and additional benefits.

Unique Features

  • High Sum Insured
  • Affordable Premiums
  • Tax Benefit

Lifeline Supreme (Pros)

  • 5000 + Network Hospitals
  • Emergency Domestic Evacuation
  • Health Checkup
  • Can Refresh SI Once
  • Mobility Devices Cover

Lifeline Supreme(Cons)

  • No Gender Treatments
  • No New Born Baby Cover
  • No Maternity Cover
  • No Vaccination Cover
  • No Obesity/Weight Cover

Lifeline Supreme(Other Benefits)

  • Health And Wellness Benefits
  • Bariatric Surgery
  • App-Based Ambulance Cover
  • Second Opinion
  • 20% No Claim Bonus

Lifeline Supreme (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 5L to 1 Cr
  • Waiting Period - 30 Days

Royal Sundaram's Lifeline Elite

This plan is the foremost version of Lifeline health insurance, it offers a high sum insured of 1.5 cr. The plan provides worldwide coverage and Elite Plus benefits.

Unique Features

  • Worldwide Coverage
  • Affordable Premiums
  • Tax Benefit

Lifeline Elite (Pros)

  • No Room Rent Capping
  • Maternity Cover
  • Health Checkup
  • Global Coverage
  • Worldwide Emergency Evacuation

Lifeline Elite(Cons)

  • No Gender Treatments
  • No Cosmetic Surgery Cover
  • No War Injury Cover
  • No Vaccination Cover
  • No Obesity/Weight Cover

Lifeline Elite(Other Benefits)

  • Health And Wellness Benefits
  • OPD Treatment
  • Elite Plus Benefit
  • Second Opinion
  • 20% No Claim Bonus

Lifeline Elite (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 25L to 1.5 Cr
  • Waiting Period - 30 Days

Royal Sundaram Arogya Sanjeevani

Provides coverage for basic medical expenses, which include hospitalization, and pre and post-hospitalization expenses at affordable prices.

Unique Features

  • Cataract Cover
  • Hernia Cover
  • Pre Existing Disease Cover

Arogya Sanjeevani (Pros)

  • Cataract Treatment
  • Pre Hospitalization
  • Post Hospitalization
  • Modern Treatments
  • Cumulative Bonus

Arogya Sanjeevani(Cons)

  • No Gender Treatments
  • No Global Coverage
  • No Maternity Cover
  • No Cosmetic Cover
  • No Obesity/Weight Cover

Arogya Sanjeevani(Other Benefits)

  • Dental Cover
  • Day Care Treatment Cover
  • Ambulance Cover
  • Parents-in-law cover
  • 5% No Claim Bonus

Arogya Sanjeevani (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 50 Thousand to 10 Lakh
  • Waiting Period - 30 Days

Royal Sundaram Advanced Top-Up

A plan that includes inpatient treatment, Ayush treatment, and donor expenditures and has no room rent caps or sub-restrictions.

Unique Features

  • All-Day Treatment Cover
  • Life Protect Benefit
  • Inpatient Hospitalization

Royal Sundaram Advanced Top-Up (Pros)

  • Modern Treatments
  • Pre Hospitalization Cover
  • Post Hospitalization Cover
  • Inpatient Care
  • Domiciliary Hospitalisation

Royal Sundaram Advanced Top-Up(Cons)

  • No Infertility Treatments
  • No Adventure Sports Cover
  • No Dietary Supplements Cover
  • No Cosmetic Cover
  • No Obesity/Weight Cover

Royal Sundaram Advanced Top-Up(Other Benefits)

  • Dental Cover
  • Home Care Treatment Cover
  • Ambulance Cover
  • AYUSH Cover
  • Organ Donor Benefit

Royal Sundaram Advanced Top-Up (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 50 Lakh-1 Cr
  • Waiting Period - 30 Days

Multiplier Health Insurance

A plan that offers the ABCD (Asthma, BP, Cholesterol, Diabetes) benefits. It covers several chronic illnesses as well as pre-existing diseases.

Unique Features

  • Flexi Reload Benefit
  • 4X Multiplier Benefit
  • Health And Wellness Plus

Multiplier Health Insurance (Pros)

  • 22 Critical Illness Covered
  • AYUSH Cover
  • Organ Donor Expenses
  • Pre Existing Disease Coverage
  • Modern Treatment Cover

Multiplier Health Insurance(Cons)

  • No Gender Treatments
  • No Global Coverage
  • No Maternity Cover
  • No Cosmetic Cover
  • No Obesity/Weight Cover

Multiplier Health Insurance(Other Benefits)

  • In Patient Cover
  • Day Care Treatment Cover
  • Emergency Domestic Evacuation
  • Virtual Health Coach
  • Hospital Plus Benefit

Multiplier Health Insurance (Eligibility Criteria)

  • Entry Age - 5 Years
  • Max Entry Age - 65 Years
  • SI - 5L to 25L
  • Waiting Period - 30 Days

Surrosafe Health Insurance

This plan is specially designed to serve surrogate mothers by helping them financially to receive assisted reproduction treatment.

Unique Features

  • Surrogacy cover
  • Oocyte donor cover
  • Covers pregnancy complications

Surrosafe Health Insurance (Pros)

  • Pre-natal care
  • Essential medical expenses
  • IVF cover

Surrosafe Health Insurance(Cons)

  • Change of gender treatments
  • COVID-19 not covered
  • Hazardous or adventure sports
  • Beautification surgery

Surrosafe Health Insurance(Other Benefits)

  • Pre & post-hospitalization
  • Daycare procedure cover
  • Ambulance charges
  • Modern treatment cover

Surrosafe Health Insurance (Eligibility Criteria)

  • Surrogate min age - 25 years
  • Surrogate max age - 35 Years
  • Proposer min age- 23 (F)-26 (M)
  • Proposer max age- 50 (F) - 55 (M)

Royal Sundaram Family Plus

A plan that offers the ABCD (Asthma, BP, Cholesterol, Diabetes) benefits. It covers several chronic illnesses as well as pre-existing diseases.

Unique Features

  • Dialysis Cover
  • Maternity Benefit
  • AYUSH Treatment Cover

Family Plus (Pros)

  • Renewal Benefit
  • Emergency Domestic Evacuation
  • 20 % No Claim Bonus
  • Joint Replacement Cover
  • Cataract Expenses 8% Of SI

Family Plus(Cons)

  • No Alcoholism cover
  • No War Injury Cover
  • No Global Coverage
  • No Cosmetic Cover
  • No Gender Treatment Cover

Family Plus(Other Benefits)

  • Chemotherapy 10 % of SI
  • Day Care Coverage
  • Ambulance Cover
  • Room Rent up to 2% SI
  • ICU Charges up to 4% SI

Family Plus (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 15 L
  • Waiting Period - 30 Days

Royal Sundaram Divyang Plus

A plan that covers people with disabilities and affected by HIV/AIDS.

Unique Features

  • Mental illness cover
  • Affordable premiums
  • Cataract cover

Divyang Plus (Pros)

  • Pre & post hospitalization cover
  • Flexible premiums
  • Ayush treatment
  • Pre-existing disabilities cover
  • Pre existing diseases cover

Divyang Plus(Cons)

  • Not a family floater plan
  • WP on pre-existing disabilities
  • Low sum insured
  • No air ambulance

Divyang Plus(Other Benefits)

  • Ayush up to 50% of sum insured
  • 60 days post hospitalization
  • Ground ambulance cover
  • 40K per eye allotted for cataract
  • 4 premium payment options

Divyang Plus (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry age: NA
  • Sum insured: 4 - 5 lakhs
  • Waiting period: 24 & 48 months

Royal Sundaram Health Personal Accident Policy: FAQs

1. What are the eligibility criteria for the Royal Sundaram Personal Accident Policy?

The eligibility criteria for adults is 18 to 70 years whereas dependent children can be covered from 3 months to 25 years.

2. What is the policy duration for the Royal Sundaram Personal Accident Policy? 

The policy tenure is 1 year for Royal Sundaram Personal Accident Policy. 

3. What are the sum assured options available under the Royal Sundaram Personal Accident Policy?

The sum insured options available under the Royal Sundaram Personal Accident Policy range between INR 2.5 Lakhs to 5 Crores. 

4. Does the Royal Sundaram Personal Accident Policy offer tax benefits? 

Yes, the Royal Sundaram Personal Accident Policy offers tax benefits as all premiums paid towards the policy are eligible for tax benefits as per the Indian Income Tax Act. 

5. What are the various benefits available under the Personal Accident Policy by Royal Sundaram? 

The various advantages available under the Royal Sundaram Personal Accident Policy are as follows: 

  • Education Grant for Children  
  • 24/7 Global Coverage 
  • Permanent Total Disablement 
  • Permanent Partial Disablement 
  • Temporary Total Disablement  
  • Accidental Hospitalization 

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Simran Kaur Vij

Written By: Simran Kaur Vij

Simran is an insurance expert with more than 3 years of experience in the industry. She may have all the answers to your insurance queries. With a background in Banking, she proactively helps her readers to stay on par with all the latest Insurance industry developments.

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