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Features And Benefits of Royal Sundaram Health Insurance Plans

Published On Jun 14, 2021, Updated On Jul 15, 2021

Royal Sundaram General Insurance is one of the leading health insurance companies in India which provides insurance covers for different sectors like health, motor, travel, etc. the company is known to provide the best insurance plans at an affordable premium. It was the first company to introduce facilities like cashless claim process, cash allowance for hospitalization, and value-added partnership with prominent institutions to extend market research.  

Royal Sundaram Health Insurance offers the best health insurance policies which are designed, keeping in mind the requirements of the people and their earnings. It is necessary that you buy a health insurance policy from a well-known company. Royal Sundaram Health Insurance has become one of the trusted firms in the market with a claim settlement ratio of 81.50% in FY20. It is widely known for its unique policies and facilities like adding up to 19 members in a family floater plan. 

Features And Benefits of Royal Sundaram Health Insurance Plans

About Royal Sundaram Health Insurance

Being a trusted brand in the health insurance market, Royal Sundaram Health Insurance stands out for its unique features and provides comprehensive coverage to its policyholders. Let us look at some of the standard features of Royal Sundaram Health Insurance company: 

  • It has a wide network of 5,000+ hospitals for providing cashless treatment. 
  • The company provides lifelong renewability to its customers 
  • It has a waiting period of 3 years
  • The firm grants 30 days of grace period 
  • It offers up to 200 daycare procedures 
  • The company provides vaccination charges in case of an animal bite 
  • The policy tenure varies as 1,2,3 years. 

Some of the famous and efficient plans of Royal Sundaram Health Insurance are: 

  1. Royal Sundaram Lifeline Health Insurance Plans - includes variants like Lifeline Classic, Supreme, and Elite 
  2. Royal Sundaram Family Plus Health Insurance Plans 
  3. Royal Sundaram Hospital Cash Allowance Plan

Benefits of Royal Sundaram Health Insurance Policies 

After having considered the effective features of the Royal Sundaram Health Insurance company, let us now have a glance at the benefits that are incurred by the policyholders: 

  • After 4 claim-free years’ free health care checkup is made available
  • No Claim Bonus ranges from 5% to 50% for every claim-free year
  • Pre and post-hospitalization expenses are included in the plans 
  • The insured can avail cashless treatment facilities in around 5,000+ linked hospitals 
  • It offers a lifelong renewability option to its policyholders 
  • Maternity covers are also provided 
  • Pre-existing coverage has a waiting period of 3 years 
  • Tax benefits are offered under section 80D on the premiums 
  • Sum insured can be increased by 50% in case of an accident 
  • A cumulative bonus of 5% to 50% is available on every claim-free year 

Why Buy A Health Insurance Policy From Royal Sundaram Health Insurance?

Given the benefits and features of the Royal Sundaram Health Insurance covers, you can consider the company while buying a health insurance plan, due to the following reasons: 

  • No Upper-Age Limit 

To buy a policy from Royal Sundaram Health Insurance, the minimum age requirement is 18 years. There is no upper age limit to buy a health insurance policy.

  • Lifetime Renewability Available 

For all its policyholders, Royal Sundaram Health Insurance has made a provision of lifetime renewability of the policies. 

  • Individual And Family Floater Plans 

Out of numerous plans that are available, you can either choose a plan for an individual or go for a family floater plan which can include up to 19 relations in your family.

  • Sum Insured Is High  

The sum assured for the claim is high and goes up to 1.5 Crore. The sum assured can be claimed in India or abroad, and depends on the medical emergency or expenses that are incurred during the treatment.

  • Global Hospitalization Coverage 

You can avail the medical facilities of your Royal Sundaram Health Insurance policies worldwide. It covers around 11 life-threatening medical conditions.


Royal Sundaram Health Insurance company is a fair and decent choice to make when buying your health insurance policy. It has an online portal that facilitates hassle-free services like buying a renewal of health insurance policies. You must read and go through the exclusion and inclusion in your policy cover carefully.

Also Read: Tips to Choose the Right Health Insurance in Times of COVID-19

Missed the Renewal Date of Health Insurance Plan? Here Are the Solutions!

Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.

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