A to Z about Royal Sundaram Health Insurance | Buy Now

Royal Sundaram General Insurance Co. Ltd., the first private sector general insurance firm in India. Individual consumers can purchase Health, Personal Accident, Motor, Home, and Travel Insurance, while commercial customers can purchase specialty insurance packages for Fire, Marine, Engineering, Liability, and Business Interruption risks.

Why choose Royal Sundaram Health Insurance?

  • Complete Medical coverage: It covers all hospitalization expenditures, pre-and post-hospitalization costs, daycare treatments, laboratory tests, prescription drugs, and ambulance charges.
  • Protect your money: You don’t have to pull your bank account or dispose of family assets to pay for medical operations. Your health insurance policy will ensure that you get the best care available without breaking your wallet.
  • No cash required: You won’t have to worry about organizing particular sums of money for treatment till the last minute if you have health insurance. Cashless treatment is available at nearly 7000 network hospitals for both planned and emergency treatments.
  • Tax Benefit: The amount spent for your health insurance coverage is deductible under Section 80D of the Income Tax Act of 1961.
  • Lifetime renewable: you can renew your health insurance policy as long as you need for your whole lifetime.
  • Cumulative bonus: Get a cumulative bonus of up to 100% of the basic sum insured for each year without a health insurance claim
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Types of Health Insurance Plan

  1. Lifeline Plan: Lifeline is a Royal Sundaram comprehensive indemnity plan that covers your and your family’s health insurance needs.
    1. At no additional cost, you can reload your Sum Insured 100 percent.
    2. With a No Claim Bonus, you may double your Sum Insured in just 5 claim-free years.
    3. This health insurance plan is available for you, your spouse, and your children as an individual and family floater plan.
    4. Includes AYUSH treatment, no room rent cap, and a five-year claim-free period that doubles your money assured.
    5. This health insurance policy offers amount assured alternatives of Rs. 2 lakhs, Rs. 3 lakhs, Rs. 4 lakhs, and Rs. 1.5 crores.
  2. Family Plus Plan: Family Plus is a one-of-a-kind health insurance plan designed for a young couple looking to start a family.
    1. Up to two pregnancies are covered by the built-in maternity benefit.
    2. A one-of-a-kind health insurance policy that includes both an individual and a floater sum insured.
    3. This health insurance policy is tailored to fit the needs of large families. It covers 19 various types of relationships.
    4. Individual + family sum assured, maternity benefit, reload benefit, no claim bonus, and no entry age restriction are all included.
    5. Sum assured alternatives for individual health plans are Rs. 2lakhs, 3lakhs, 5lakhs, 10lakhs, and 15lakhs, while sum assured options for family floater policies are Rs. 3lakhs, 4lakhs, 5lakhs, 15lakhs, 20lakhs, and 25lakhs.
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What covers under Royal Sundaram Health Insurance?

  • In-patient Hospitalization
  • Pre and post hospitalization expenses
  • Daycare procedures
  • Domiciliary hospitalization charges
  • Preventive healthcare as well as wellness
  • Ambulance charges
  • Health check-up
  • AYUSH Treatment
  • Vaccination in case of animal bite

What does not cover under Royal Sundaram Health Insurance?

  • Pre-existing medical conditions stated by the policyholder at the time of purchase of the health insurance policy until the waiting period expires (Plan Particular)
  • Addictive conditions & disorders
  • Adventurous or Hazardous sports

How to calculate Royal Sundaram Health Insurance Premium?

  1. Visit the Royal Sundaram Health Insurance  website 
  2. Choose the health insurance option you want.
  3. Enter your contact detail
  4. Select the members to be insured.
  5. Click on get a quote.

How to Claim your Health Insurance Plan?

  • Cashless Claims( only if you select their network hospital among 7000+ you can avail cashless claims)
    • Select hospital and fill the pre-authorization form.
    • Submit your form and wait for our reply.
    • If the request is accepted, the company will settle expenses directly with the hospital.
  • Reimbursement Claims(if you don’t choose a hospital from our list)
    • Admit the person to the hospital and inform the company within 48 hours
    •  Pay all the expenses that arise and collect all the bills and documents required. 
    • And submit the documents to the company to claim insurance money.
    • Wait for approval, your documents will verify.
    • Your expenses will be paid after approval.
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Contact Details

Call –  1860 258 0000, 1860 425 0000

E-mail – customer.services@royalsundaram.in

Official Website – Royal Sundaram Health Insurance


1). What affects health insurance premium money?

The premium is determined using the insured person’s age, the plan type chosen, the tenure chosen, and the proposer’s location.

2). What are the Health Insurance Products offered by Royal Sundaram?

Royal Sundaram offers two separate goods, each with its own set of features and advantages. LifeLine and Family Plus provide excellent coverage at very low premiums.

3). What is CSR( claim settlement ratio)?

It is the ratio of the number of claims paid to the total number of claims filed over a specific period. A greater claims settlement ratio indicates that the insurer’s claims settlement capabilities are strong.

4). Are COVID-19-related hospitalization costs covered by the health insurance policy?

Yes, according to the terms and conditions of the policy, hospitalization expenses incurred due to COVID-19 are covered under all Royal Sundaram General Insurance Co. Ltd Health Insurance Policies.

5). How many Claims I can make over a year?

Yes, according to the terms and conditions of the policy, hospitalization expenses incurred due to COVID-19 are covered under all Royal Sundaram General Insurance Co. Ltd Health Insurance Policies.

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