Medical emergencies can catch you off guard, striking
without warning. No matter how cautious you are about your health, the unexpected can happen. These
situations not only bring physical challenges but often lead to mental and financial stress. Health
insurance, also known as medical insurance, acts as your financial safety net in case of health
issues, diseases, injuries, or accidents. It's like having a dependable friend by your side when
you're unwell or facing tough times. Our plans include pre and post-hospitalization expenses, annual
health check-ups, mental health support, critical illness coverage,
maternity care, and more—all tailored to your unique needs.
Cashless hospital coverage
Enjoy hassle-free healthcare with our cashless hospital services. We take
care of the paperwork and work directly with your hospital. Focus on your
recovery,
not the bills.
Tax savings up to
Rs. 1 lakh U/S 80D
A health insurance plan is not only beneficial to cover your expenses in a
medical emergency, it can also give you a tax rebate when you file your income tax
returns.
Free periodic health
checkups annually
Stay proactive with comprehensive health insurance. Prioritize preventive
care and routine checkups. Choose the right policy for a healthier future.
Cover pre & post
hospital expenses
Health insurance covers inpatient costs and extended expenses, including
pre and post-hospitalization periods.
Royal Pro-Tip 1 : Rising Medical Costs
In a world where a Band-Aid can cost as much as a coffee, health insurance isn't just a choice, it's
a shield against skyrocketing medical expenses.
Why choose Royal Sundaram’s Health Insurance ?
Trustworthy
Insurance Partner for Over Two Decades
Exhaustive health cover
Our medical insurance plans are designed to suit everyone's needs. Our different
plans offer comprehensive and exhaustive health cover for individuals and
families for all kinds of medical expenses.
Affordable premiums
While it is important to have a robust health insurance policy, many people turn
down opportunities to buy health insurance because of sky high premiums. Such is
not the case with Royal Sundaram’s Health
Insurance Plans.
Wide network of hospitals
Royal Sundaram has one of the largest networks of affiliated hospitals - so you
can avail medical care just about anywhere in the country.
Claim settlement ratio
A claim settlement ratio refers to the percentage of claims that a health
insurance provider settles among the total number of claims. We have a claim
settlement ratio of 95%*. This means you can truly focus on recovery while we
take care of your financial burden
Coverage for in-patient hospitalization expenses, including room charges, doctor's
fees, nursing charges, surgery charges, etc.
Pre and Post Hospitalization Expenses
Medical expenses incurred before and after hospitalization for a specified period.
Daycare Procedures
Coverage for certain medical treatments and surgeries that don't require 24-hour
hospitalization, such as cataract surgery or dialysis.
Ambulance Services
Reimbursement for ambulance services
during emergencies.
Domiciliary Treatment
Coverage for treatments received at home that would typically require
hospitalization.
Organ Transplant
Coverage for organ transplant surgeries and related expenses, as per policy terms
and conditions .
Maternity Coverage
:Coverage for maternity-related expenses, including pre and postnatal care,
childbirth, and newborn care.
No Room rent Capping
Experience freedom in your healthcare choices with no room rent capping. Our policy
covers your room expenses up to your Sum Insured, ensuring you get the care you
deserve without limitations.
Specific Treatments
Some treatments or procedures will be excluded from coverage, such as cosmetic
surgeries or alternative therapies etc.
Non-Medical Expenses
Expenses not directly related to medical treatment, like administrative charges or
phone bills.
Pre-Existing conditions
Pre-existing conditions are excluded from the coverage during the waiting period.
Self-Inflicted Injuries
Treatment for, or arising from, an injury that is intentionally self-inflicted is
excluded.
30 Days Waiting period
No coverage for illnesses within the first 30 days of the policy, except for
accidents,
promoting responsible healthcare planning.
Injury due to participation in Hazardous Activities
Injuries sustained while participating in hazardous activities like extreme sports
will not be covered.
Cosmetic or plastic surgery / Procedures
Procedures performed for cosmetic purpose or plastic surgery excluded
War or Acts of Terrorism
Treatment for any illness or injury caused due to war, acts of terrorism, or nuclear
events are excluded.
A Step-by-Step Guide to file a health
insurance claim
Cashless hospitalization
Hassle-free treatment at network hospitals without upfront payments,
with insurance company settling medical bills directly.
1
Initiate the claim process
Insured files claim with TPA in the Hospital within 24 hours of emergency
hospitalization and 72 hours prior to elective hospitalization.
2
Hospital will intimate us
In case of cashless hospitalization, the hospital will let us know and we
will process the claim.
3
Bill settlement
When you are discharged, we will directly settle the bill with the hospital.
You get to choose any hospital room you want for your treatment, even the ICU if you need it. Just
make sure that the cost doesn't go over your total coverage amount.
Things you should keep in mind while buying
health Insurance
When
availing health
insurance, assess your needs and opt for the coverage that aligns with your specific
requirements.
Adequacy of Sum Insured
Please ensure the opted Sum Insured is adequate for any possible large claim in the
future.It is recommended that you opt for any Sum Insured starting from Rs 5 lakhs
and above.
Right coverage
Choose a suitable plan considering age, lifestyle, and health conditions. Prioritize
a plan that accommodates future healthcare expenses without burden.
Network hospitals
Always check for network of hospitals that offer cashless hospitalisation. This means
your insurance provider will settle the hospital bills directly and you don’t have
to worry about payments.
Maternity benefits
Want to start a family? Prenatal health care can be expensive. Look for a plan that
offers maternity cover as well as infant cover.
Pre & post hospitalization
Make sure your health insurance policy that you select covers both pre and post
hospitalization expenses, offering comprehensive support for your healthcare needs
Preventive health care
Look for a health insurance policy that offers to cover the cost of regular medical
checkups and offers cover for disease management.
Don’t wait! Find best policy in just 3 steps
Trustworthy Insurance
Partner for Over Two Decades
Sum Insured
Member details
City
1
Sum Insured
2
Member details
3
City
What Sum Insured do you prefer ?
Most popular
Sum Insured
Member details
City
1
Sum Insured
2
Member details
3
City
Sum Insured
Member details
City
1
Sum Insured
2
Member details
3
City
How much
deduction you can avail
under section 80D
Take a look at the tax benefit you can get
by investing in health insurance.
Policy for?
Deduction for self & family
Deduction for parents
Preventive health
check-up
Maximum deduction
Self & Family
(below 60 years)
₹25,000
-
₹5,000
₹25,000
Self & Family + Parents
(all of them below 60 years)
₹25,000
₹50,000
₹5,000
₹50,000
Self & Family (below 60 years)
+ Parents (above 60 years)
₹25,000
₹50,000
₹5,000
₹75,000
Self & Family + Parents
(above 60 years)
₹50,000
₹50,000
₹5,000
₹1,00,000
Cashless hospitalisation by Royal
Sundaram's
health insurance
Check out our popular
affiliated cashless hospitals with state of the art
healthcare facilities and trained medical professionals.
Sum Insured is the maximum amount an insurance
policy will pay for a covered loss.
2/3/4 Lacs
5/7.5/10/15/20/25/50/100 lacs
25/30/50/100/150 Lacs
Ind (2,3,5,10,15) + Floater(3,4,5,10,15,25,30,50)
5/7.5/10/15/20/25 Lacs
1L to 10L(Multiplies of 50K)
Regular screenings to detect issues early,
promoting overall well-being
Once in 2 years
Annual
Annual
Not Covered
Annual
Not Available
Limit on daily expenses for hospital room in
health insurance.
No Room Rent Capping
No Room Rent Capping
No Room Rent Capping
No Room Rent Capping
No Room Rent Capping
2% of SI up to a maximum of Rs. 5K/in ICU 5% of SI up to maximum
of 10K
insurance provision for ambulance services during
emergencies.
Up to Rs.3,000
Up to Rs.5,000
Up to Rs.10,000
Up to Rs.4,000
Up to Rs.5,000
Up to Rs.2,000
Coverage in health insurance for expenses related
to organ transplantation, including medical
procedures and donor costs.
Covered upto SI
Covered upto SI
Covered upto SI
Covered upto SI
Covered upto SI
Covered upto SI
Medical treatment received while admitted to a
hospital
Covered up to SI
Covered up to SI
Covered up to SI
Covered up to SI
Covered up to SI
Covered up to SI
Caps on coverage for certain illnesses or
conditions in health insurance.
No Disease specific Sublimits
No Disease specific Sublimits
No Disease specific Sublimits
No Disease specific Sublimits
No Disease specific Sublimits
25% of SI or Rs. 40K whichever is lower per eye
Health insurance coverage for alternative and
traditional forms of medicine, such as Ayurveda,
Government Hospitals - Covered upto SI; Other Hospitals - Covered
upto Rs.20,000
Government Hospitals - Covered upto SI; Other Hospitals - Covered
upto Rs.30,000
Government Hospitals - Covered upto SI; Other Hospitals - Covered
upto Rs.50,000
Government Hospitals - Covered upto SI; Other Hospitals - Covered
upto Rs.30,000
Covered upto SI
Covered upto SI
Health insurance coverage for necessary
vaccinations and medical treatment following an
animal bite to prevent infections and
complications.
Upto Rs.2,500
Upto Rs.5,000
Upto Rs.7,500
Upto Rs.5,000
Upto Rs.5,000
Not Available
Health insurance provision for transporting a
patient from one medical facility to another as
recommended by their doctor,
Not Covered
Covered upto Rs.1lakh
Covered upto Rs.3 lakh
Not Covered
Covered upto Rs.1lakh
Not Available
Health insurance coverage for emergency
hospitalization and medical treatment while
traveling abroad, excluding the United States
and Canada
Not Covered
Not Covered
50% of Base SI, upto Max 20 Lakhs.
Not Covered
Not Covered
Not Available
Health insurance coverage that allows for medical
treatment outside of your home country for 11
specified critical illnesses
Not Covered
Not Covered
Covered upto SI, Airfare upto Rs.3 Lakhs
Not Covered
Not Covered
Not Available
Health insurance provision for covering
outpatient dental expenses
Not Available
Not Available
Covered once in 2 years with limit of 30% of OPD SI
Not Available
Not Available
Not Available
Covert your base plan as top up plan
Available with Deductible of Rs.1, 2, 3, 4, 5 and 10 lakhs
Available with Deductible of Rs.1, 2, 3, 4, 5 and 10 lakhs
Not Available
Not Available
Not Available
Not Available
This cover helps with out-of-pocket expenses like
travel and food for attenders during the
hospital stay.
Rs.1,000/day
Rs.2,000/day
Rs.5,000/day
Rs.2,000/day
Not Available
Not Available
Enjoy benefits like APP based cab coverage (Ola,
Uber, etc.)
Not Available
Covered as a part of Ambulance Cover
Covered as a part of Ambulance Cover
Not Available
Available
Not Available
If a 5% Co-payment is chosen, the insurer will
pay 95% of the eligible claim amount, and the
customer will receive a 5% premium discount
Available
Available
Available
Available
Available
upto 5% as inbuilt
An additional feature in health insurance that
covers the cost of consumable medical items used
during hospitalization, such as gloves,
Upto 50K/Hospitalization
Upto 50K/Hospitalization
Upto 50K/Hospitalization
Not Available
Upto 50K/Hospitalization
Not Available
This cover provide personalized guidance on diet,
nutrition, and exercise, along with free video
consultations with doctors.
Available for 2A
Available for 2A
Available for 2A
Available for 2A
Available for 2A
Not Available
Coverage in health insurance that includes
medical expenses incurred both before and after
a hospital stay.
30/60 days, Covered upto SI
60/90 days, Covered upto SI
60/180 days, Covered upto SI
60/90 days, Covered upto SI
60/180 days, Covered upto SI
30/60 days, Covered upto SI
The age at which an individual is eligible to
purchase or enroll in an insurance policy,
91days to No Limit
91days to No Limit
91days to No Limit
91days to No Limit
91days to 65
91days to 65
A reward or discount offered by insurance
providers to policyholders who do not file any
claims during a specified policy period.
10% of Base SI upto a max of 50% of SI. NCB Does Not decrease in
case of claim
20% of Base SI upto a max of 100% of SI. NCB Does Not decrease in
case of claim
20% of Base SI upto a max of 100% of SI. NCB Does Not decrease in
case of claim
20% of Base SI upto a max of 100% of SI. NCB Does Not decrease in
case of claim
20% of Base SI upto a max of 100% of SI. NCB Does Not decrease in
case of claim
5% in respect of each claim free year subject to a maximum of 50%
of SI, in the event of claim Cumulative Bonus shall be reduced
at the same rate.
A feature that allows for the replenishment or
restoration of the Sum Insured amount after it
has been fully exhausted during the policy year.
Upto Base SI.
Upto Base SI.
Upto Base SI.
Upto Individual Base SI.
Available upto 100% of Base Sum Insured even for same
Not Available
Not Covered
Not Covered
Not Covered
Not Covered
Multiplier benefit will increase the Sum Insured including NCB up
to 4 times
Not Covered
Health insurance programs and benefits designed
to promote and maintain overall health and
well-being
Available
Available
Available
Not Available
Not Available
Not Available
An insurance feature that provides policyholders
with the option to seek a second medical opinion
from a qualified specialist when diagnosed with
one of the specified critical illnesses covered
by the policy.
Not Covered
Available once during the policy period
Available once during the policy period
Not Covered
Total 22 CI covered
Not Covered
Provides coverage for the medical expenses
related to childbirth for a maximum of two
pregnancies.
Not Covered
Not Covered
Covered, as per limits in the plan
Covered, as per Limits upto 50K
Not Covered
Not Covered
A component of health insurance that provides
coverage for medical expenses incurred by a
newborn baby during the first 90 days of life.
Not Covered
Not Covered
Covered, as per limits in the plan
Covered with mother's Individual SI
Not Covered
Not Covered
Vaccination for newborns in the first year is
crucial for disease prevention.
Not Covered
Not Covered
Covered upto Rs.10000
Covered upto Rs.10,000
Not Covered
Not Covered
A health insurance feature that reinstates the
original coverage amount once it's fully
utilized in a policy year,
Not Available
Once in a lifetime, for the same illness.
Once in a lifetime, for the same illness.
Not Available
Available as in-built
Not Available
Health insurance provision offering coverage for
hospitalization and medical treatment facing
life-threatening medical conditions.
Not Available
Up to Rs 1,00,000
Up to Rs 2,00,000
Not Available
Available from 2 year upto 50% of claim amount max 2L
Not Available
A medical procedure performed to assist with
weight loss in individuals with severe obesity.
Not Available
Up to Rs 50,000, with a 6 year waiting period.
Up to Rs.2 Lakhs with a 6 year waiting period.
Not Available
Available
Not Available
Not Available
Up to 5% of SI or Rs 50,000 (whichever is lower)
Upto Rs 50,000
Not Available
Covered
Not Available
Not Available
Available
Available
Not Available
Inbuilt cover
Not Available
Health insurance coverage that extends
international medical treatment options for
three more specified critical illnesses,
Not Available
Not Available
Available
Not Available
Not Available
Not Available
Not Available
Not Available
Covered upto Rs.2.5 Lakhs
Not Available
Not Available
Not Available
Not Available
No Zone based Co-pay
No Zone based Co-pay
Not Available
Not Available
Not Available
A specific period after the start date of an
insurance policy during which certain benefits,
such as coverage for pre-existing conditions or
specific treatments, may not be available.
30 Days
Available
30 Days
30 Days
30 Days
30 Days
A predefined waiting period within an insurance
policy during which coverage is not provided for
certain specific conditions, treatments, or
services.
24 Months
24 Months
24 Months
24 Months
24 Months
24 Months
A waiting period in health insurance policies
that specifically applies to pre-existing
diseases (PED). During this waiting period,
coverage for treatment related to pre-existing
conditions is not available.
48 Months
36 Months
24 Months
36 Months
36 Months
48 Months
What factors influence insurance premiums and how are they calculated ?
The premium in insurance refers to the amount of money paid by the policyholder to
the insurance company in exchange for coverage and its influenced by insured members
age, city, lifestyle, BMI, Occupation type, etc
Have more questions about your travel insurance? Learn more
about how student travel insurance works.
How is it calculated
Insurance plan
Insurance plan determines premium and coverage. Higher and number of
insured individuals affect premium.
Pre-existing medical conditions
Pre-existing medical conditions may increase premium and have a waiting period
for claims.
Lifestyle
Lifestyle impacts health insurance premium - higher for smokers due to increased
health risks.
Age
Age impacts health insurance premium - lower for youth, higher with age. Purchase
early for better coverage and potential bonuses.
Location
Location affects premium cost - discounts available in select cities.
Take care of your health with Royal Sundaram’s
BMI calculator
BMI is vital for health insurance as it assesses weight
and risk. It influences coverage and premiums. Maintaining a healthy
BMI leads to better coverage and lower premiums. It highlights the
importance of a healthy weight for favorable insurance.
Underweight : 18.6
Overweight : 39.9
Normal : 24.9
Obese: > 40
Great shape
Maintaining a health BMI for lower insurance premiums.
Explore our
plans now!
We Prioritize service and satisfaction and always try to give our best
for all
our customers.
VM SUNDARAM
I wanted to take a moment to say thank you for your excellent and
quick service. I really appreciate the help you
provided, and I'm happy with the work you did for me. It was a tough task for me, but your staff's support
made it
easier. I've been a member of your insurance company for four years, and I'm glad I chose ROYAL SUNDARAM
insurance. Even
on the weekend, the claim process went smoothly, and I'm grateful for how your employees communicated with
me and
approved my request within just one day. Your company's commitment is truly remarkable, and I want to
thank you again
for your support.
I wanted to take a moment to say thank you for your excellent and quick
service. I really appreciate the help you
provided, and I'm happy with the work you did for me. It was a tough task for me, but your staff's support
made it
easier. I've been a member of your insurance company for four years, and I'm glad I chose ROYAL SUNDARAM
insurance. Even
on the weekend, the claim process went smoothly, and I'm grateful for how your employees communicated with me
and
approved my request within just one day. Your company's commitment is truly remarkable, and I want to thank
you again
for your support.
SWAMINATHAN R S
I want to mention how impressed I am with the quick response from
your office. The survey was promptly scheduled and
conducted, and the approval was given in a timely manner. I am truly delighted with how you handled my
claim. Your
explanation and settlement of the claim amount left me satisfied. I never expected such a smooth and
efficient process
from an insurance company. I am very thankful to you and the management for the support you provided. Your
response and
handling of the situation were excellent. I am looking forward to renewing my policy with your company and
will also
recommend others to consider your services. Keep up the good work!
I want to mention how impressed I am with the quick response from your
office. The survey was promptly scheduled and
conducted, and the approval was given in a timely manner. I am truly delighted with how you handled my claim.
Your
explanation and settlement of the claim amount left me satisfied. I never expected such a smooth and efficient
process
from an insurance company. I am very thankful to you and the management for the support you provided. Your
response and
handling of the situation were excellent. I am looking forward to renewing my policy with your company and
will also
recommend others to consider your services. Keep up the good work!
V SARAVANAKUMAR
In April of last year, I reached out to your company to file an
insurance claim
for my vehicle, Vitara Breeza. I am delighted to share that Mr. Kalimuthu from your company, Valuor,
provided me with
full support throughout the process until I received my vehicle. I want to express my heartfelt gratitude
to your
company for this excellent service. Thank you very much!
In April of last year, I reached out to your company to file an insurance
claim
for my vehicle, Vitara Breeza. I am delighted to share that Mr. Kalimuthu from your company, Valuor, provided
me with
full support throughout the process until I received my vehicle. I want to express my heartfelt gratitude to
your
company for this excellent service. Thank you very much!
Sathya M
I want to extend my gratitude for helping me with the windshield
replacement for my car. Your service was incredibly fast and hassle-free. I truly appreciate the timely
assistance, and I'd like to give special thanks to Mr. Kiran for organizing the team. Thank you once
again!
I want to extend my gratitude for helping me with the windshield
replacement for my car. Your service was incredibly fast and hassle-free. I truly appreciate the timely
assistance, and I'd like to give special thanks to Mr. Kiran for organizing the team. Thank you once again!
Rabindra Nath Singh
I had a very pleasant and trouble-free experience during the
settlement of my claims after a mishap and narrow escape. The surveyor and office executives played a
crucial role in making the process smooth, and I highly appreciate their help. Thank you for the excellent
service.
I had a very pleasant and trouble-free experience during the settlement
of my claims after a mishap and narrow escape. The surveyor and office executives played a crucial role in
making the process smooth, and I highly appreciate their help. Thank you for the excellent service.
Dr.A.Arul Prakash
I want to express my gratitude for the swift action taken on my car
claim. You inspected the vehicle on the very same day I made the request and provided prompt confirmation
and assurance for the claim approval. I am delighted to be associated with Royal Sundaram for their
spontaneous help, which has strengthened my trust in being a loyal customer for future insurance needs as
well. Thank you for your excellent service!
I want to express my gratitude for the swift action taken on my car
claim. You inspected the vehicle on the very same day I made the request and provided prompt confirmation and
assurance for the claim approval. I am delighted to be associated with Royal Sundaram for their spontaneous
help, which has strengthened my trust in being a loyal customer for future insurance needs as well. Thank you
for your excellent service!
Raj Kumar
I am extremely satisfied with my experience with Royal Sundaram
Insurance and workshop Yash Motors. Both companies have maintained a high level of service quality, which
I greatly appreciate. The fast approval process from Royal Sundaram and the on-time delivery of my car by
Yash Motors have been highly commendable. Overall, it has been an excellent experience, and I am very
happy with the services provided.
I am extremely satisfied with my experience with Royal Sundaram Insurance
and workshop Yash Motors. Both companies have maintained a high level of service quality, which I greatly
appreciate. The fast approval process from Royal Sundaram and the on-time delivery of my car by Yash Motors
have been highly commendable. Overall, it has been an excellent experience, and I am very happy with the
services provided.
Muskan Samnani
We are grateful to Royal Sundaram for the prompt settlement of my car
claim. The quick service and the polite and patient communication with Mr. Vishal were exactly what I
needed as a customer. My vehicle claim was settled hassle-free, and this experience convinced me to
continue with Royal Sundaram insurance. I would happily recommend it to my friends as well. Thank you for
the excellent service!
We are grateful to Royal Sundaram for the prompt settlement of my car
claim. The quick service and the polite and patient communication with Mr. Vishal were exactly what I needed
as a customer. My vehicle claim was settled hassle-free, and this experience convinced me to continue with
Royal Sundaram insurance. I would happily recommend it to my friends as well. Thank you for the excellent
service!
Divyanshu Girdhar
I am thankful for Mr. Tushar Mishra's outstanding service in helping
me successfully get a cashless claim for my Hyundai Grandi10. His efficiency, gracious customer service,
and quick resolution are truly appreciated. Thank you for the excellent service!
I am thankful for Mr. Tushar Mishra's outstanding service in helping me
successfully get a cashless claim for my Hyundai Grandi10. His efficiency, gracious customer service, and
quick resolution are truly appreciated. Thank you for the excellent service!
Dr Chacko Kalliath
I'm delighted with the service from Royal Sundaram. The experience
was friendly, hassle-free, and Mr. Mohankumar was incredibly helpful. I'm glad the claims process was fast
and stress-free. Thank you so much! Wishing you a happy and prosperous New Year.
I'm delighted with the service from Royal Sundaram. The experience was
friendly, hassle-free, and Mr. Mohankumar was incredibly helpful. I'm glad the claims process was fast and
stress-free. Thank you so much! Wishing you a happy and prosperous New Year.
Anuradha Ananth
I appreciate Mr. Anand's quick response and kind assistance in
reviving the policy. Thanks to Mr. Anand and the team.
I appreciate Mr. Anand's quick response and kind assistance in reviving
the policy. Thanks to Mr. Anand and the team.
Dr. Ramani Mabel
Mr. Dinesh has been very sincere and supportive throughout our
interaction these 4 days. Amazing support from Royal Sundaram.
Mr. Dinesh has been very sincere and supportive throughout our
interaction these 4 days. Amazing support from Royal Sundaram.
Joseph Augustine
Thank you, for sending me the amended Policy with the change in the
salutation. I appreciate your speedy and professional support and the way you kept me informed at each
stage of the progress. Keep up the good work.
Thank you, for sending me the amended Policy with the change in the
salutation. I appreciate your speedy and professional support and the way you kept me informed at each stage
of the progress. Keep up the good work.
Praful Roogi
I appreciate your concern and care towards helping me. Based on this
positive support, I have renewed my Policy without considering any other brand. Thank you again for your
support.
I appreciate your concern and care towards helping me. Based on this
positive support, I have renewed my Policy without considering any other brand. Thank you again for your
support.
Rajesh V
Keshav, please accept my appreciation for the excellent job in
renewing my policy.
Keshav, please accept my appreciation for the excellent job in
renewing my policy.
Bijoy Manarkattu
Thank you for taking keen interest in solving my problem. Employees
like you are the backbone of M/s Royal Sundaram general insurance company. I appreciate your dedication.
Thank you for taking keen interest in solving my problem. Employees like
you are the backbone of M/s Royal Sundaram general insurance company. I appreciate your dedication.
Rajeev Juneja
Thanks to the entire Royal Sundaram Team. You people have actually
gone out of the way and helped complete this renewal. My father is a happy man. Special thanks to Mr.
Dinesh Kumar and Anitha ma'am who spent considerable time with me today to complete the process. Best
regards to all.
Thanks to the entire Royal Sundaram Team. You people have actually gone
out of the way and helped complete this renewal. My father is a happy man. Special thanks to Mr. Dinesh Kumar
and Anitha ma'am who spent considerable time with me today to complete the process. Best regards to all.
Harsh Vardhan
The complete renewal process was quite smooth compared to previous
years. I appreciate all the follow-ups done by you and the complete health retention team. I'll give 5
stars for your service and follow-ups. I hope this will remain the same going forward.
The complete renewal process was quite smooth compared to previous years.
I appreciate all the follow-ups done by you and the complete health retention team. I'll give 5 stars for your
service and follow-ups. I hope this will remain the same going forward.
Vinishya Ravichandran
Happy customer with family health cover. Queries resolved immediately
by customer support team, especially Rajesh, trained well by Mr. Sanjeevi.
Happy customer with family health cover. Queries resolved immediately by
customer support team, especially Rajesh, trained well by Mr. Sanjeevi.
Gitesh Kumar Patle
Thanks to Rajesh and team for the smooth policy endorsement with
correct vehicle details. Timely response and excellent help. Keep up the good work.
Thanks to Rajesh and team for the smooth policy endorsement with correct
vehicle details. Timely response and excellent help. Keep up the good work.
Rahul Nimase
Thank you, Mary, for your support throughout the process. You went
above and beyond to help me.
Thank you, Mary, for your support throughout the process. You went above
and beyond to help me.
Pawan Kumar Sharma
Thank you for the information and excellent service. My father's
cataract problem was resolved. Thanks again.
Thank you for the information and excellent service. My father's cataract
problem was resolved. Thanks again.
Surya Pratap Singh Rathore
Thank you for the amazing customer service. You were polite and
confident. Great experience.
Thank you for the amazing customer service. You were polite and
confident. Great experience.
Jayesh C Patel
Thank you, Mr. Dinesh Kumar, for sorting out my policy renewal issue
and providing solutions promptly.
Thank you, Mr. Dinesh Kumar, for sorting out my policy renewal issue and
providing solutions promptly.
Amrit Nath
Thank you, Ms. Shembau, for your quick and customer service-oriented
approach in renewing my policy.
Thank you, Ms. Shembau, for your quick and customer service-oriented
approach in renewing my policy.
Joginder Pal
Thank you for the caring words and regular updates. Royal Sundaram's
experience has been terrific.
Thank you for the caring words and regular updates. Royal Sundaram's
experience has been terrific.
Health insurance Blogs
The latest industry news, interviews, technologies and
resources
When you have a health insurance policy, there are essential steps to
comprehend for managing emergency medical expenses:
Annual Premiums: You pay yearly premiums as per your chosen health plan,
maintaining your coverage.
Medical Treatment: If you or other policyholders need medical treatment,
contact either Royal Sundaram or the TPA office at the hospital.
Any Indian resident aged 18 and above is eligible. Age limits for coverage
vary; generally, it's 18 to 65 years. Coverage for newborns can be added to
family plans after 90 days. Senior citizen plans typically start at 60
years.
Yes, you can purchase multiple Health Insurances based on your medical needs.
Different plans suit different individuals:
Individual Health Insurance
Family Floater Health Insurance
Senior Citizen Health Insurance
Critical Illness Insurance
Maternity Health Insurance
Along with annual payments, Royal Sundaram allow monthly, quarterly, or
semi-annual payments.
Buying early brings benefits like lower premiums, higher covers, and bonus
advantages. Also, it helps manage personal and medical loans.
Yes, under Section 80D of the Income Tax Act, you can claim tax benefits up
to the specified amount as per IT act.
Certainly, including lower premiums, better cover, wellness benefits, and tax
advantages.
Opt for comprehensive plans that suit your needs, including services, medical
care network, access to insurers, settlements, and additional services.
Not a direct discount, but a no-claim or cumulative bonus can offer reduced
premiums or increased coverage after claim-free years.
In cases of organ transplant, donor expenses cover hospitalization costs for
the donor except the organ cost.
Ensure it covers hospitalization, ambulance, PPE kits, medicines,
consultations, and ICU expenses.
It's a medical condition already affecting the person applying for insurance,
such as diabetes or high blood pressure.
Yes, but terms may include waiting periods or higher premiums.
Individual plans' waiting periods can be reduced for an extra premium. Group
plans and senior citizen plans might have different provisions.
If diagnosed with a condition like diabetes during the waiting period, it's
not considered pre-existing, and you can claim expenses.
Health insurance providers typically extend coverage to various family
members under family floater plans, including:
Self
Spouse
Children (above 3 months and below 18 years)
Dependent parents
Parents-in-law
Siblings
Yes, Royal Sundaram insurance have an extensive network of affiliated
hospitals where you can make health insurance claims. However, it's
advisable to check your insurance policy for any clauses that mention
geographical limitations.
You can consider increasing the Sum Insured or adding value-added benefits to
your existing health insurance plan during policy renewal each year.
No, there is usually a cooling-off period of 15-30 days after purchasing a
health insurance policy before it becomes active. Some policies, especially
those with an accident cover, might offer coverage from the next day.
Additionally, if you have pre-existing medical conditions, there's a waiting
period that can range from 1 to 4 years.
Maternity coverage is typically not included in standard health insurance
policies unless specified. If maternity costs are covered, there's usually a
waiting period of 2 to 4 years before you can claim these expenses. However,
policies that include maternity coverage often come with higher premiums.
Health insurance renewal premiums can increase over time due to various
reasons. Let's explore these factors briefly:
Age Bracket Change
Health insurance premiums are often structured based on age brackets. Moving
to a different bracket due to age results in a premium increase.
COVID-19 Impact
While natural disasters impact specific regions, the unprecedented scope of
the COVID-19 pandemic has led to increased claims nationwide, prompting
insurance premium adjustments.
Inflation Effect
Inflation significantly influences health insurance premium rates. Rising
medical costs necessitate higher premiums as treatments become costlier over
time.
Unused coverage doesn't result in a refund. Instead, policyholders may
receive a no claim bonus, provided by the insurer.
Policyholders not making claims during their coverage period often receive a
cumulative bonus during renewal. This bonus increases the Sum Insured each
claim-free year, with a specified limit. It applies to indemnity-based plans
upon continuous renewal.
Yes, you can cancel your health insurance within 15 days of receiving policy
documents or before the policy becomes active, adhering to terms in the
insurance contract.
Royal Sundaram offer grace period for premium payment, of 60 days after the
renewal date. Failure to pay may lead to policy cancellation, denial of
coverage, or renewal.
Yes, policyholders can transfer their existing health insurance to another
provider per guidelines issued by the Insurance Regulatory and Development
Authority (IRDA). This ensures you can shift insurers without sacrificing
benefits.
During certain medical emergencies, such as accidents, taking the
policyholder to an affiliated network hospital might not be feasible. In
such cases, health insurance claims are still possible, though cashless
hospitalization might not be available. The policyholder would need to cover
the medical expenses and later submit the bills to the health insurance
provider for reimbursement.
When making a health insurance claim, the policyholder typically needs the
following documents:
Proof of identity
Proof of insurance
Health card
Hospital bills
A no claim bonus can result in either a premium discount or a cumulative
benefit, translating to increased Sum Insured without additional payment.
Most providers offer a 5% cumulative bonus on the Sum Insured for each
claim-free year.
For instance, if the Sum Insured is ₹5 lakhs, after the first year of no
claims, the policyholder gains an extra coverage of ₹25,000. This accrues
for consecutive years without claims, potentially doubling the Sum Insured
within a few years.
When purchasing health insurance, a free look period (typically 15 days) is
provided for policy evaluation. Only after this period does the health
insurance policy become active.
Acquiring health insurance, whether online or offline, is straightforward.
The necessary documents include:
Proof of identity and age: Aadhar, PAN, Passport, Voter ID card, Driving
license
Proof of residence: Aadhaar, Passport, Voter ID card
Medical check-up documents
Your health insurance policy generally covers medical treatment up to a
predetermined amount. As long as this limit is not surpassed, you can make
multiple claims within a year.
Advanced Top Up Health Insurance Plan Terms and Conditions:
Advanced Top Up Health Insurance Plan is underwritten and issued by Royal Sundaram General Insurance
Co. Limited. Claims will be settled by Royal Sundaram General Insurance Co. Limited as per the terms
and conditions of the policy. This brochure is not a contract of insurance. Please refer policy
document for exact terms and conditions and specific details applicable to this Insurance. Your
participation in this insurance product is purely on a voluntary basis. We advise you to take your
own professional advice before you participate. The Advanced Top Up Health Insurance Plan of Royal
Sundaram is approved by
IRDAI vide UIN - RSAHLIP23029V012223
I/We, the proposer(s) or policyholder(s), hereby declare that the
statements
and particulars given in this Proposal form are complete, true, and accurate. I/We agree that Royal
Sundaram
Insurance Company will not be liable under the insurance contract if it is found that any of my/our
statements
or particulars or declarations in this proposal form or other documents are incorrect, misleading,
or
fraudulent in any respect, on any matter related to the grant of a cover or submission of a claim in
the
future.
2. Premium Payment:
I declare that the premium paid under this transaction to Royal
Sundaram
Insurance Company Limited is being paid by me as the proposer/policyholder through a bank account or
a
Credit/Debit Card or a Prepaid Payment Instrument or a UPI wallet (Wallet), held by me in my name as
a primary
holder (referred to as “source account”). I confirm that it is not a third-party payment made by any
other
person on my behalf. I understand that in the event of policy cancellation, the refund of premium as
per
policy terms and conditions may be credited back to such source account, and such electronic
transfer will
constitute full and final discharge of the Company’s obligation.
3. No Claims Bonus (NCB) Declaration:
I/We declare that the rate of NCB claimed by me/us is correct and
that no
claim has arisen in the expiring policy period (copy of the policy enclosed). I/We further undertake
that if
this declaration is found incorrect, all benefits under the policy in respect of Section I of the
Policy will
stand forfeited.
4. Pollution Under Control (PUC) Certificate:
I hereby affirmatively warrant that the Assured named herein/owner of
the
vehicle insured holds a valid Pollution Under Control (PUC) Certificate on the date of commencement
of the
Policy, and the same has been shown to the agent/authorized person of the intermediary. I further
undertake to
renew and maintain a valid and effective PUC Certificate during the duration of the Policy period.
If the PUC
certificate is not found valid on the date of loss, I understand that the Company reserves the right
to cancel
the policy.
5. Break in Insurance and Vehicle Inspection:
I/We agree that in case of a Break in Insurance, the policy would be
issued
subject to acceptance of risk after evaluation of the Vehicle Inspection report. Own Damage cover
(Section –
I) would not commence unless the satisfactory Vehicle Inspection report has been received by us. If
the
Company does not receive the Vehicle Inspection report or the report is adverse, the Company, at its
discretion, will cancel the Policy as per the Motor Tariff.
6. Notification of Changes:
I/We further declare that I/we will notify in writing any change in
the
details so furnished hereinabove occurring after the proposal has been submitted but before
communication of
the risk acceptance by the Company. This includes changes in occupation or general health of the
insured
individuals.
7. Authorization and Sharing of Information:
I/We authorize the Company to share information pertaining to my
proposal,
including medical records, for the sole purpose of proposal underwriting and/or claims settlement
and with any
Governmental and/or Regulatory authority.
8. Consent for Communication:
By submitting my contact number and email ID, I authorize Royal
Sundaram
Insurance Company Limited to call, send SMS, messages over internet-based messaging applications
like
WhatsApp, and email to offer me information and services for the product(s) I have opted for as well
as other
products/services offered by Royal Sundaram Insurance Company Limited. Please note that such
authorization
will be over and above any registration of the contact number on TRAI’s NDNC registry.
9. Income Declaration:
This policy has been issued based on my declaration of Gross Annual
Income,
and the Base Sum Insured chosen is not more than 10 times of such Gross Annual Income. In the event
the
declaration is found to be incorrect/wrong and/or non-submission of income proof to justify this
declaration,
it may result in the inadmissibility of a claim and/or cancellation of the policy. I confirm that
the Gross
Annual Income of the family in this proposal is true and correct and undertake to submit relevant
income
proof(s) in the event of a claim in this regard.
10. Occupational Exclusions:
I confirm that the insured member(s) under this Policy do not work in
Nuclear
power plants, underground mines, explosives, hazardous material (e.g., fertilizers, asbestos fiber,
toxic
gases, toxic chemicals, pesticides, etc.). Furthermore, the insured member(s) do not work in
underground
mines, explosive magazines, or electrical installations with high tension supply, or are jockeys,
circus
personnel, engaged in racing on wheels or horseback, big game hunting, mountaineering, winter
sports, skiing,
ice hockey, river rafting, polo, or similar activities or occupations.
11. Declaration as Authorized Proposer:
I declare that all the information I have provided is true and
accurate to
the best of my knowledge, and I am authorized to propose on behalf of my family.
12. Underwriting Policy and Premium Payment:
I declare that the premium paid under this transaction to Royal
Sundaram
Insurance Company Limited is being paid by me as the proposer/policyholder through a bank account or
a
Credit/Debit Card or a Prepaid Payment Instrument or a UPI wallet (Wallet), held by me in my name as
a primary
holder (referred to as “source account”). I confirm that it is not a third-party payment made by any
other
person on my behalf. I understand that in the event of policy cancellation, the refund of premium as
per
policy terms and conditions may be credited back to such source account, and such electronic
transfer will
constitute full and final discharge of the Company’s obligation.
13. Authorization for Medical Information:
I declare that I consent to the company seeking medical information
from any
doctor or hospital who/which at any time has attended on the person to be insured/proposer or from
any past or
present employer concerning anything that affects the physical or mental health of the person to be
insured/proposer. I also authorize the company to seek information from any insurer to whom an
application for
insurance on the person to be insured/proposer has been made for the purpose of underwriting the
proposal
and/or claim settlement.
14. Information Sharing:
I hereby permit/authorize Royal Sundaram Insurance Company Limited to
collect, store, communicate, and process information relating to the policy(ies) and all
transactions related
therewith, including the sharing and disclosing the public authorities of any confidential
information as
required by law. I also authorize Royal Sundaram Insurance Company Limited to send me information in
relation
to the Policy and Royal Sundaram Insurance products & services, irrespective of whether I am
registered with
the National Customer Preference Register (NCPR) (formerly the National Do Not Call Registry) or
not.
15. Consent for Electronic Communication:
To protect the environment and save paper, I consent to Royal
Sundaram
contacting me by email or phone instead of in physical form and to share all documents, updates, and
alerts
electronically.
16. Liability Commencement:
The Company's liability does not begin until the full premium has
been
collected by the Company, and the acceptance of the proposal has been formally intimated to the
insured.
17. General Exclusions:
The Company shall not be liable under this Policy in respect of any
accidental loss or damage and/or liability caused, sustained, or incurred outside the geographical
area; any
claim arising out of any contractual liability; any accidental loss, damage, and/or liability
caused,
sustained, or incurred whilst the vehicle insured herein is being used otherwise than in accordance
with the
Limitations as to Use or being driven by or is for the purpose of being driven by him/her in the
charge of any
person other than a Driver as stated in the Driver’s Clause; any accidental loss or damage to any
property
whatsoever or any loss or expense whatsoever resulting or arising therefrom or any consequential
loss; any
liability of whatsoever nature directly or indirectly caused by or contributed to by or arising from
ionizing
radiations or contamination by radioactivity from any nuclear fuel or from any nuclear waste from
the
combustion of nuclear fuel. For the purposes of this exception, combustion shall include any
self-sustaining
process of nuclear fission; any accidental loss damage or liability directly or indirectly caused by
or
contributed to by or arising from nuclear weapons material; any accidental loss or damage and/or
liability
directly or indirectly or proximately or remotely occasioned by or contributed to by or traceable to
or
arising out of or in connection with war, invasion, the act of foreign enemies, hostilities or
warlike
operations (whether before or after the declaration of war), civil war, mutiny rebellion, military
or usurped
power, or by any direct or indirect consequences of any of the said occurrences, and in the event of
any claim
hereunder, the Insured shall prove that the accidental loss, damage, and/or liability arose
independently of
and was in no way connected with or occasioned by or contributed to by or traceable to any of the
said
occurrences or any consequences thereof, and in default of such proof, the Company shall not be
liable to make
any payment in respect of such a claim.
18. Authorization as Proposer and Information Accuracy:
I/We hereby declare, on my behalf and on behalf of all persons proposed to be
insured, that the above statements, answers, and/or particulars given by me are true, complete, and
accurate
to the best of my knowledge. I/We am/are authorized to propose on behalf of these other persons. I
understand
that the information provided by me will form the basis of the insurance policy and is subject to
the
Board-approved underwriting policy of the insurance company. The policy will come into force only
after full
receipt of the premium chargeable.
I/We undertake that the applicable loadings have been informed and understood by me. I
further
declare that I/We will notify in writing any change occurring in the occupation or general health of
the life
to be insured/proposer after the proposal has been submitted but before communication of the risk
acceptance
by the company.
I/We declare and consent to the company seeking medical information from any
doctor or
hospital who at any time has attended on the life to be insured/proposer or from any past or present
employer
concerning anything that affects the physical or mental health of the life to be assured/proposer. I
also
authorize the company to seek information from any insurance company to which an application for
insurance on
the life to be assured/proposer has been made for the purpose of underwriting the proposal and/or
claim
settlement.
Additionally, I/We authorize the company to share information pertaining to my
proposal,
including medical records, for the sole purpose of proposal underwriting and/or claims settlement,
with any
Governmental and/or Regulatory authority.
Please refer to the policy documents for complete details of exclusions,
inclusions, and terms and conditions.
For any further information or clarification, please feel free to contact Royal
Sundaram
Insurance at the following contact details:
Earn 20% of Base Sum Insured, every claim free year up to a maximum of 100%
Pre and post hospitalization
We've got your back even before and after your hospital stay! . 60/90 days,
up to the Sum Insured.
ABCD benefit
Customers with conditions like Asthma, Blood Pressure, Cholesterol, and
Diabetes (ABCD) get special coverage,
starting from the 31st day upon underwriting acceptance for timely support
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