Royal Sundaram Personal Accident
Royal Sundaram Personal Accident
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Royal Sundaram Personal Accident Insurance

Royal Sundaram General Insurance Co. Ltd. is the first private sector general insurance company in India that got licensed by the Insurance Regulatory and Development Authority of India (IRDAI) in October 2000. It is headquartered in Chennai, India, and offers various general insurance products across motor, health, travel, and other segments.

To assist individuals from hefty medical expenses caused by accidents, the company has come up with Personal Accident Insurance Policy that is designed to offer financial protection to self and family members.

Royal Sundaram Personal Accident Insurance Policy

Royal Sundaram Personal Accident Insurance offers financial assistance to the insured's family in case an accident leads to disability or death of the insured.

Features of Royal Sundaram Personal Accident Insurance

Mentioned below are some of the important features of Royal Sundaram Personal Accident Insurance:

  • Global cover up to Rs.75 lakhs in case of death or disability of a loved one due to an accident.
  • A discount of up to 10% on insuring 3 or more family members.
  • If the policy is renewed without any claims, you will be entitled to avail benefit under Death and Permanent Total Disablement coverage with an increase of 5% (up to 25%).
  • Policyholders can avail up to Rs.10 lakhs cover without income proof.
  • The insurance policy offers 24x7 worldwide coverage.
  • Policyholders can renew their insurance policy anytime, anywhere with the InstaRenew option.
  • The insurance policy cover is available for one year.
  • With Royal Sundaram Personal Accident, instant coverage is offered within 5 minutes.

Eligibility Criteria

The entry age for adults to avail the insurance policy is 5 years to 65 years. For dependent children, it is 5 years to 25 years (in case of family package cover).

How can I buy Royal Sundaram Personal Accident Insurance Online?

Any individual seeking to purchase Royal Sundaram Personal Accident Insurance can do it from the official website of the company. Here are the steps for the same:

Step 1: Visit the official website of Royal Sundaram General Insurance.

Step 2: Click 'Personal Accident' available on the webpage.

Step 3: Enter the details required- Name, Mobile Number, and Email ID.

Step 4: Click 'Get Quote'.

Step 5: Enter your personal details- Annual Income, Members to be Insured, and Sum Insured and click 'Get Quote'.

Step 6: Check the premium details and click 'Buy'.

Step 7: Make the payment and you will get a soft copy of the policy on your registered Email Id.

How to file a claim for Royal Sundaram Personal Accident Insurance?

Mentioned below is a step-to-step guide to file a claim for Royal Sundaram Personal Accident Insurance online:

  • Visit the official website of Royal Sundaram General Insurance and find 'Claim Services' at the bottom of the page.
  • Search for 'Notify Claims Online' and click 'Personal Accident Claims' given at the bottom of the page.
  • Click 'Notify Claims'.
  • Enter all the details required and click 'Submit'.
  • After you submit the documents, post-verification, you will receive the claim amount directly in your registered bank account.

You can also file a claim by performing the below-mentioned steps:

  • Intimate about the claim to the insurer. For this, request a claim form by calling at 18604250000 or send an email to customer.services@royalsundaram.in within 30 days after the accident. You can also download the claim form directly from the website.
  • You need to provide all the documents in English or with an English translation. The insurance company may appoint a service provider to verify the documents for the smooth claim processing.
  • You can mail the claim form and documents to -

    Royal Sundaram General Insurance Co. Limited

    Accident & Health Claims Department

    Vishranthi Melaram Towers

    No.2/319, Rajiv Gandhi Salai (OMR)

    Karapakkam, Chennai - 600097

  • If your claim is approved, you will receive the claim amount from the insurance company.

Frequently Asked Questions

You can renew your Royal Sundaram Personal Accident instantly by following the steps mentioned below:

Step 1: Visit the official website of Royal Sundaram General Insurance.

Step 2: Click 'Insta Renew'.

Step 3: Enter your Policy Number and Expiry Date.

Step 4: View your Policy Details and Premium.

Step 5: Make the payment online and get your policy renewed.

For any queries or complaints related to the insurance policy, you can call customer care number 18604250000 or email at customer.services@royalsundaram.in

The following incidents are not covered in the policy-

  • Intentional self-injury, suicide, or attempted suicide.
  • Whilst under the influence of intoxicating liquor or drugs.
  • Directly or indirectly caused by venereal disease or insanity.
  • Death or injury due to war, invasion, the act of a foreign enemy, hostilities, or civil war.

Mentioned below are the major documents required to file death or disability claims.

For Death Claims

  • Original Death Certificate
  • Post Mortem Report
  • Inquest report
  • Accident report
  • FIR/MLC copy
  • Hospital records
  • News Paper cuttings
  • Latest IT return
  • Claim Discharge summary
  • Original Hospital Bills
  • Prescriptions for medicines Diagnostic

For Disablement Claim

  • Disability Certificate issued by attending physician
  • Accident Report
  • FIR/MLC Report
  • Accident report
  • Hospital Records
  • Newspaper cuttings
  • Latest IT returns
  • Leave certificate issued by the employer
  • Salary certificate

Last updated on 09-10-2020