How Can I Check My Royal Sundaram Health Insurance Claim Status Online?

Among the best health insurance companies in India, Royal Sundaram Health Insurance is one of the most prominent insurance providers, offering numerous health plans to satisfy the unique requirements of individuals. In addition to providing the best health insurance plan, the company offers excellent customer support to its policyholders. The company has made the best use of technology and simplified the claim settlement process for the customers. Therefore, the insured can easily know their Royal Sundaram Health Insurance claim status online. Read on to know the process in detail, along with the causes of claim rejections.  

Process To Know Royal Sundaram Health Insurance Claim Status

The policyholders must keep regular track of their health insurance claim status to ensure that they stay updated about the progress of their application. Generally, insurance companies settle the claim within a specific duration mentioned in the policy document. However, in case of any delay in the claim settlement process, you can follow the below-mentioned steps to know the status of your claim. 

• Browse the official website of Royal Sundaram Health Insurance. 
• Click on “track claim status”. 
• Enter required details such as policy number, date of birth, and others. 
• Click on “submit”. 
• The status of your health insurance claim will be displayed on your screen. 

Key Reasons Why Health Insurance Claim Gets Rejected

Royal Sundaram Health Insurance may settle your claim within 2 working days. However, in case of any delays, you must know about the status of your claim to ensure that your health insurance claim is not rejected. There are numerous reasons why health insurance companies may deny your claim request. Some of them are outlined below.

• Policy Lapse: 

The insurance company may reject the claim if the policyholder falls ill after the policy has lapsed due to non-renewal and non-payment of a premium. Therefore, it is necessary to renew the insurance policy before the deadline. 

• Excessive Sum Insured: 

You must have heard about the term “sum insured." Whether you purchase an individual health insurance policy or a family floater plan, the insurance company promises a certain amount as coverage for all the insured members on a yearly basis. As a result, if the hospital and medical bills exceed the total sum insured, the insurance company may reject your claim application. 

• Misinformation Provided: 

Any error, whether it is done purposefully or by mistake, can lead to the claim being rejected. Therefore, while filling out a claim application form, make sure that you fill out the form thoroughly without any discrepancies and share the correct information with an insurance provider. 

• Little or No Knowledge About Exclusions: 

There are certain exclusions, like pre-existing diseases, that are not covered under a health insurance policy. Policyholders often forget to read about exclusions mentioned in the policy document carefully before filing the claims to avoid rejections. 

Conclusion 

Royal Sundaram Health Insurance is a prominent insurance provider. In addition, to know the health insurance claim status online, the company allows customers to file claim applications online. If you’re not sure how to proceed online, you can also contact customer support by calling 1860 358 0000 or emailing customer.services@royalsundaram.in. 

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