Royal Sundaram Travel Insurance
Royal Sundaram Travel Insurance
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Royal Sundaram Travel Insurance

Royal Sundaram Co. Ltd. (previously called Royal Sundaram Alliance insurance agency constrained), a subsidiary of Sundaram Finance, is the first private insurance company in India to be licensed in October 2000 by the Insurance Regulatory and Development Authority of India.

The enterprise became initially promoted as a joint project among Sundaram Finance, one of the maximum reputable non-banking financial institutions (NBFCs) in India and Royal & SunAlliance PLC, UK, one of the old standard insurers in the UK. In July 2015, Sundaram Finance received the 26% equity keeping from Royal & SunAlliance. Consequently, the complete 100% equity conRoyal Sundaram General Insurance Co. Limited (formerly called Royal Sundaram Alliance Insurance Company Limited) is one of the first private general insurance companies in India that got its license by IRDAI in October 2000. It is highly indulged in offering various general insurance products including motor, health, travel, personal accident, and so on. The insurance company has over 2000 employees with 156 branches across India.

One of its superb offerings, the Royal Sundaram Travel Insurance, offers protection against unforeseen incidents (medical or non-medical emergencies) while you are traveling abroad. This is a comprehensive plan that offers a holistic approach to provide solutions to the policyholders.

Features of Royal Sundaram Travel Insurance

Royal Sundaram Travel Insurance offers coverage under the following options:

  • Worldwide including America (North, Central, South America, and Canada. Option to include Schengen countries)
  • Worldwide apart from America (Option to include Schengen countries)
  • Asia (excluding Japan and Korea).

Note: Coverage to Japan and Korea is available under Worldwide including/excluding America category

What are the types of Royal Sundaram Travel Insurance Plans?

The insurance company offers five types of travel insurance plans to its customers.

  • Leisure Trip Travel Insurance
  • Multi Trip Travel Insurance
  • Student Travel Insurance
  • Asia Travel Insurance
  • Senior Citizen Travel Insurance

Let's know more about them.

Leisure Trip Travel Insurance

This comprehensive travel insurance offers coverage against issues like medical expenses, personal accidents, trip delays, etc. while traveling for your holiday abroad. The insurer offers a sum insured ranging from $50,000 to $10,00,000.


  • In case of loss of passport and visa of the insured, the insurance company will reimburse the expenses as stated under the policy.
  • A lump sum amount will be paid in case the common carrier (flight) is delayed for more than 6 hours due to any covered occurrence (earthquake, lightning, avalanche, tsunami, etc.).
  • If the insured hurts/damages the third-party individual/property, the insurer will compensate the insured up to the specified amount.

Multi Trip Travel Insurance

It is customized annual travel insurance, which can be availed by travelers who take frequent abroad business trips in a year. Individuals can purchase this plan if the number of trips done during the year has not exceeded 180 days.


  • It offers a daily cash allowance in case of hospitalization beyond two days.
  • The insurance company will offer compensation in case of delay of checked-in baggage (more than 6 hours) from the scheduled arrival time at the destination for delivery of baggage. This benefit can only be availed on the outward journey from India and not on a return journey to India.
  • In case the insured requires emergency cash due to theft/burglary of luggage/others, the insurance company will compensate for the same.

Student Travel Insurance

This insurance can be availed by all students who want to go abroad to pursue higher studies (course duration from 1-7 years). You don't have to submit medical reports to buy this insurance.


  • The insurance company offers assistance services (overview of the country, currency exchange rates, weather, vaccinations, etc.).
  • In case a physician advises to terminate the pregnancy due to medical reasons, the insurance company will offer coverage towards inpatient medical expenses.
  • If your child (7-90 days old) is hospitalized for more than 2 days, you can avail of child care benefits.

Asia Travel Insurance

It is an exclusive plan that is designed for policyholders who want to travel to any Asian country (except Japan & Korea) from India.


  • pany will pay for the expenses.
  • Policyholders can avail of coverage (50% of the sum insured can be reimbursed per bag and 10% of the sum insured for maximum value per article contained in a bag) against loss of checked-in baggage during the insured period.
  • While traveling abroad, if you are held captive for more than 12 continuous hours, the insurer will compensate you for it as per the specified limits.

Senior Citizen Travel Insurance

This plan can be availed by citizens who are aged 71 years and above. It offers coverage against any unforeseen incidents caused while traveling abroad. The medical reports are needed for a sum insured of $1,00,000.


  • Get coverage against expenses incurred resulting from sickness to sound natural teeth during an abroad trip.
  • The insurer will compensate in case of trip delays due to earthquakes, terrorism, avalanche, etc.
  • In case the insured dies or suffers disability during the trip, the company will pay for it as per the specified limits.

Eligibility Criteria

Leisure, Multi trip and AsiaMinimum entry age -18 years
Maximum entry age -70 years
Minimum entry age- 91 days
Senior CitizenMinimum entry age -71 years
Maximum entry age- Nil
StudentMaximum entry age- 40 yearsMinimum entry age- 12 years

How can I buy a Royal Sundaram Travel Insurance Online?

Royal Sundaram offers an easy and simple process to purchase travel insurance online. Let's check it out.

  • Visit the official website of Royal Sundaram and click 'Travel'.
  • Select the travel insurance plan of your choice.
  • Enter the details required and click 'Get Quote'.
  • Check all the details and click 'Continue'.
  • Enter traveler details and then click 'Continue'.
  • Select your plan and make the payment.
  • You will receive your travel insurance policy on your registered email id.

How can I file a claim for Royal Sundaram Travel Insurance?

To file a claim for Royal Sundaram Travel Insurance, you need to call 18604250000. The customer representative will guide you further regarding the claim procedure and the documents required.

Royal Sundaram Travel Insurance : FAQ's

1. What is the free look period available under Royal Sundaram Travel Insurance?

Insured is allowed a free look period of 15 days (30 days for telesales, online, and web aggregators) from the date of receipt of the policy to review the terms and conditions of the insurance policy. If the insured is not satisfied, (s)he can cancel within that period.

2. How is premium determined under Royal Sundaram Travel Insurance?

The premium under travel insurance is based on your age, country of visit, and the number of days of travel in a given country.

3. Can I renew my Royal Sundaram Travel Insurance policy?

Just follow the below-listed steps-

  • Visit the official website of Royal Sundaram and click on 'Insta Renew'.
  • Enter the 'Policy Number' and 'Expiry Date' and click on 'Submit'.
  • View the policy details and make the premium payment.
  • Renewed details of the policy will be mailed to you.

Last updated on 19-11-2020