Royal Sundaram Health Insurance offers insurance policies with a number of benefits. Plans include customizable benefits, cashless treatments, access to several hospitals, special offers, and discounts.

Royal Sundaram Alliance Insurance Company Limited is the first private general insurance company in India that has been licensed since 2001. The Royal Sundaram general insurance company offers motor, health, accident, and other products.

Royal Sundaram also offers products specially designed for small and medium enterprises, as well as for rural clients.

Royal Sundaram has been responsible for the launch of many innovative services/offers that have become the norm for most insurance companies today, such as Cashless claims processes, cash allowances for hospital stays and value-add partnerships with the main institutions to expand the reach of the market.

Royal Sundaram offers a wide range of health plans, from basic to specialized. This includes maternity benefits and the ability to automatically recharge the insured amount each year of insurance, even if a claim has been made.


Royal Sundaram Health Insurance

Royal Sundaram Health Insurance Highlights

Here are the highlights of the Royal Sundaram Health Insurance:

FeaturesSpecifications
Network Hospitals3000+
Waiting Period for Pre-existing Disease3 years
Incurred Claims Ratio80.41%
Number of Policies Issued152029
Grievances Solved99.74%
RenewabilityLifetime


Features Of Royal Sundaram Health Insurance

The characteristics are listed below:

  • Number of members: The plan covers a maximum of 5 family members.
  • Lifelong Renewal: The plans offered can be extended for life to relieve the financial burden and stress caused by a medical emergency and be well prepared for any situation.
  • Room Rent: The room rental of 2% of the insured amount applies to non-intensive care units and 4% of the amount insured in intensive care units.
  • Pre & Post hospitalization cover: The plan covers medical expenses 30 days before hospitalization and 60 days after hospitalization only for the corresponding medical expenses.
  • Health Check-ups: Upon successful completion of 4 years without claims, the cost of the Health Check will be reimbursed up to a maximum of Rs 750 per insured person.
  • Pre-existing diseases: Pre-existing conditions are covered after 3 years of waiting.
  • Co-payment: The plan has no copayment guidelines.

Also Read: Top 5 Best Health Insurance Companies in India in 2019


Benefits of Royal Sundaram Health Insurance

The benefits of buying Royal Sundaram insurance are listed below:

  • Discounts: The Royal Sundaram gives you a 7.5% or 12% discount if you opt for two or three-year insurance.
  • Coverage: Provides coverage for a maximum of 5 family members.
  • Cashless facility: provides cashless facilities with an extensive network of more than 3000 hospitals across the country.
  • Flexibility: provides flexibility in the execution of premium payments through net banking, debit/credit card, etc. according to your wishes.
  • Mediclaim settlement: Provides fast and easy claims handling
  • Reload: provides a 100% free recharge.
  • Tax benefits: Section 80C and 10 (10D) of the Income Tax Law stipulate tax benefits for premiums paid regularly.
  • Claim Settlement Ratio: The claim settlement ratio incurred for F.Y. 2018-19 is 61.41%.
  • Cumulative Bonus: Provide a cumulative bonus if you don’t claim every year. This bonus varies from 5% to 50%.

Plans offered By Royal Sundaram Health Insurance

Royal Sundaram Health Insurance offers pocket-friendly health plans with a variety of benefits designed to provide you and your family members with the best possible care. The rates offered are flexible and allow you to choose the amount of your insurance according to your options.

1. Royal Lifeline Health Insurance Plans

  • Classic Lifeline Health Insurance Plan

The features of this plan are mentioned below:

BasisSelf, spouse & dependent children –
maximum of 2 adults and 4 children
Entry AgeFor an individual plan, the minimum entry age is 18 years
and no maximum limit. For Family Floater plans, the age should be
minimum of 91 days and 25 years
Assured SumRs.2 lakh to 5 lakh
Policy period1, 2 or 3 years


  • Supreme Lifeline Health Insurance

This plan is offered as both individuals as well as family floater health insurance plan. The features of this plan are mentioned below:

BasisSelf, spouse & dependent children – maximum of 2 adults and 4
children
Entry AgeFor an individual plan, the minimum entry age is 18 years and no max limit. For Family Floater plans, the age should be min 91 days and 25 years
Assured SumRs.5 lakh to 50 lakh
Policy period1, 2 or 3 years
  • Elite Lifeline Health Insurance

This plan is offered as both individuals as well as family floater health insurance plan. The features of this plan are mentioned below:

BasisSelf, spouse & dependent children – maximum of 2 adults and 4
children
Entry AgeFor an individual plan, the minimum entry age is 18 years and no
maximum limit. For Family Floater plans, the age should be
min 91 days and 25 years
Assured SumRs.25 lakh to 1 crore
Policy period1, 2 or 3 years

2. Royal Sundaram Family Good Health Insurance Plan

This plan is offered as both individuals as well as family floater health insurance plan. The features of this plan are mentioned below:

BasisSelf, spouse & dependent children – maximum of 2 adults and 3 children
Entry AgeMin 91 days and max 21 years
Assured SumRs.2 lakh, 3 lakh or 4 lakh
Policy period1 or 2 years

Also Read: Which Diseases are Covered and Not Covered Under Health Insurance?


3. Royal Sundaram Smart Cash Plan Insurance

This plan offers a regular health cover wherein a certain amount is made available for 24 hours of hospitalization.

The features of this plan are mentioned below:

BasisSelf, spouse & dependent children – maximum of 2 adults and 4 children
Entry AgeFor individual plan, the minimum entry age is 91 days and the maximum limit is 70 years.
Assured SumVaries

Documents Required for Purchasing Royal Sundaram Health Insurance

  • Id proof
  • Address proof
  • Medical reports, if asked

Royal Sundaram Health Insurance Policy Status

Registered customers can log in to the Royal Sundaram Health Insurance website with their valid access data to verify the status of their health insurance.


Royal Sundaram Health Insurance Online Renewal

To maintain and continue the benefits of Royal Sundaram Health Insurance, renewal is very important. Royal Sundaram Health Insurance grants the insured a grace period if it is not renewed on the expiration date or before the expiration date to avoid expiration of health insurance.

For the convenient and easy renewal of Royal Sundaram Health Insurance online, you can follow the steps:

  • Visit the Company.
  • Then one must click on the Renew option in order to begin the Royal Sundaram Health Insurance Renewal Online.
  • Enter all the details like name, policy number, and expiry date to get your renewal notice.
  • Pay the renewal premium online using net banking, credit card or debit card.
  • Upon successful payment, the policy will be renewed and you will get a renewal completion document on your registered email ID.


Royal Sundaram Health Insurance Claims process

There are two ways to make a claim under a Health Insurance Policy:

  1. Cashless Claim Process
  2. Reimbursement Claim Process`

Cashless Claim Process

1. For Domestic Claims

  • In case of planned hospitalization, please inform the TPA. It is important to obtain approval without cash at least 72 hours before hospitalization.
  • In an emergency, it is important to inform TPA within 24 hours of hospitalization.
  • Complete the cashless authorization within 3 hours through the TPA post office and verify your coverage. Your right to claim will also be verified. Attach your documents and return the form to TPA within 3 hours. The TPA will contact you within 4 hours after receiving the documents in case of a deficiency.
  • Immediately Transfer non-medical costs and expenses that are not incurred in the hospital before discharge.
  • You will receive a rejection letter within 2 hours if your illness or treatment is not covered under health insurance.

2. For Worldwide Emergency Hospitalization

  • Notify the service provider within 24 hours of hospitalization.
  • The service provider will verify your report according to the request and they will do a call if necessary to obtain more information or details.
  • The service provider will contact the hospital immediately if the pre-authorization request has been approved or rejected.
  • If the request for prior authorization is approved, the service will settle your bill directly with the hospital.
  • Additional costs approved by the service provider will be borne by the insured person.

Also Read: Claim Settlement Ratio and Incurred Claim Ratio in Health Insurance


Reimbursement Claim Process

  • The duly completed and signed application form must be sent to Royal Sundaram within 30 days of the date of discharge.
  • In case of discrepancies in the documents/information you send, you will receive a formal notice letter of deficiency within 7 days from the receipt of the Insurance documents.
  • If there is no deficiency in the documents received, Royal Sundaram Health Insurance will pay the amount allowed within 30 days in accordance with the terms of the contract
  • Payment is made on behalf of the applicant.
  • You must send the claim application documents to the following address: Health Claims Department, Royal Sundaram General Insurance Co Ltd, Vishranthi Melaram Towers, No.2/319, Rajiv Gandhi Salai (OMR) Karapakkam, Chennai – 600097

Important details required for the claim process

  • Health Insurance Policy number.
  • Phone no., email id, address, landmark, etc. of the insured person.
  • Name of the Insured person.
  • Relationship of the insured person with the person who is hospitalized.
  • Name of the hospital.
  • Nature of disease.
  • For accident cases, nature of accident, date, time and location of the incident.
  • The commencement date of the symptom of the disease.

Claim Procedure for International Treatment for Some Specified Critical Illnesses

  • The insured person must inform the service provider immediately after the diagnosis of a certain critical illness. The same must also be informed before travelling abroad to receive treatment. You can call the hotline number provided on the insurance certificate to request prior authorization for treatment.
  • The service provider will verify your right according to the request and will receive a call if necessary to obtain more information or details.
  • The service provider will contact the hospital immediately if the prior authorization request has been approved or rejected.
  • If the request for prior authorization is approved, the service will settle your bill directly with the hospital.
  • Additional costs approved by the service provider are borne by the insured person. In case of emergency, you must notify Royal Sundaram within 24 hours of entry. In the case of planned emergencies, the notification must be received 48 hours before hospitalization at the company. Note: If you are a Coverfox customer, you can contact us directly to clarify all your claims and questions.


Royal Sundaram Health Insurance Review

Royal Sundaram Health Insurance offers a range of affordable health insurance plans to accommodate your growing financial obligations with your family during and after hospitalization and medical treatment.

They are characterized by a very good claims settlement rate with other private insurers. Your continuous effort to provide excellent customer service is your maximum achievement. To provide their retail products, Royal Sundaram General Insurance Company was one of the first private insurance companies to partner with banks.

Their efforts have led them to create a customer base of more than 5 million customers, providing excellent customer service through a multi-channel distribution network of agents, institutional staff, brokers and more. The company’s presence is felt in more than 180 cities across the country.

Therefore, if you are looking for an insurer that offers reliability, experience, and excellent after-sales service in coordination with products that meet your needs, Royal Sundaram Health Insurance is a compelling alternative.

FAQ’s:

Q. I already have health insurance. Can I transfer my health insurance to Royal Sundaram Health Insurance?

Answer: Yes, you can transfer my health insurance to Royal Sundaram Health Insurance?

Q. Why should I choose Royal Sundaram health insurance?

Answer: Some of the benefits of Royal Sundaram health insurance are:
1. Minimal documentation and no need for medical check-ups for clients up to 50 years old.
2. Coverage for pre-existing diseases after four years of continuous coverage by Royal Sundaram.
3. More than 3000 hospitals in the network can use facilities without cash.

Q. What types of health insurance does Royal Sundaram offer under health insurance?

Answer: For Royal Sundaram clients, there are three types of health insurance available:
1. Royal Sundaram Family Good Health Plan.
2. Royal Sundaram Smart Cash Plan.
3. Royal Sundaram Lifeline Health Insurance.

Q. Will maternity benefits be paid by Royal Sundaram Health Insurance?

Answer: With the “Total Care Plus” plan, policyholders can receive maternity benefits after 3 years of continuous premium payments. The maternity benefit is also available to Lifeline clients if both spouses enter this plan and have paid premiums for 3 years. Hospital Cash programs do not cover maternity expenses.

Q. Is there any difference between Cumulative Bonus and Indexation Benefit?

Answer: The major difference here is that Cumulative Bonus is applicable only in case of a claim-free year. Indexation Benefit, on the other hand, is irrespective of claims made during the year. There is no reversal of Indexation Benefit, which is not like Cumulative Bonus.

Q. Is it possible to get health insurance portability?

Answer: Yes It is possible. You can opt for health insurance portability, that is, the possibility of switching to another Royal Sundaram health insurance fund when applying for it at least 45 days before the next extension date.

Q. What is the difference between Health Insurance and Hospital Cash?

Answer: Hospital Cash offers daily fixed benefits aimed at covering incidental expenses that normally don’t get covered by health insurance policies. As hospital Cash is a supplementary plan to health plans.

Q. Can I buy Royal Sundaram Health Insurance policies online?

Answer: Yes, you can buy policies directly from the company’s website. You can also get quotes and proceed with buying at a later time at your convenience.

Q. How to extend/Renew Royal Sundaram health insurance?

Answer: To know the online payment method, visit the insurer’s website, enter the insurance number and the expiration date to receive your renewal message. Pay the renewal bonus online with Net Banking, credit card or debit card. After successful payment, the policy will be renewed. For the offline method, visit the nearest bank branch to pay the renewal fee.

Q. How to log in to Royal Sundaram Health Insurance?

Answer: Registered customers can log in to the insurer’s website by entering their email ID and password.

Q. When can I expect my pre-existing diseases to get covered?

Answer: Pre-existing diseases will be covered under health insurance policies from Royal Sundaram after 3 years of continuous premium payment.

This Article was written by,
Mayuri Navarkhele

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