Royal Sundaram Health Insurance

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  • 152029 policies issued
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  • 7000+ network hospitals
  • Lifelong renewability
  • Tax benefit under section 80D
  • 80% claim settlement ratio
  • 19 family members covered

About Royal Sundaram

Royal Sundaram General Insurance Co. Limited, a subsidiary of Sundaram Finance, is a renowned name in the health insurance space. Formerly known as Royal Sundaram Alliance Insurance Company Limited, it is the first private sector general insurance company in India to be licensed in October 2000 by the Insurance Regulatory and Development Authority of India. Royal Sundaram was initially promoted as a joint venture between Sundaram Finance, one of the most respected non-banking financial institutions (NBFCs) in India and Royal & Sun Alliance Insurance plc, UK, one of the oldest general insurers in the UK.

In July 2015, Sundaram Finance acquired the 26% equity holding from Royal & Sun Alliance Insurance plc. Consequently, the entire 100% equity holding is now held by Sundaram Finance (75.90%) and other Indian Shareholders (24.10%). Apart from health insurance, Royal Sundaram also offers other specially designed products to small and medium enterprises and rural customers.

Key Highlights

  • First private insurer to introduce innovative health products like Hospital Cash.
  • Royal Sundaram’s Accident and Health Claims received the ISO 9001-2008 certification for the best and efficient customer service.
  • Has 5.2 million customers and 2,000+ employees across India.
  • Offers 100% reload of the sum insured at no extra cost.
  • Doubles your sum insured in 5 claim-free years with no claim bonus.
  • A single policy to cover a large family, which can include 19 different relations.
  • A unique combination of an Individual+Floater Sum Insured in the same policy.

The company has been providing innovative general insurance solutions, viz., Motor, Health, Personal Accident, Home and Travel insurance to individuals, families, and businesses directly as well as through its intermediaries and affinity partners. It offers specialized insurance products in Fire, Marine, Engineering, Liability, and Business Interruption risks to commercial customers.

Royal Sundaram Health Insurance Plan List

Name of PlanSum Insured
LifelineChild: 91 days-25 yrs, Adult: 18 yr; Max: No Limit2 Lakh Get Quotes Now

Claim Process at Royal Sundaram Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Intimation

    Emergency hospitalization needs intimation within 24 hours and for planned hospitalization intimate within 48 hours prior to admission.
  • 2

    Claim Processing

    Fill in the pre-authorization form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 3

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 4

    Claim Assistance

    For any assistance call Insurancedekho at 1800-120-5698 or call toll free number of Royal Sundaram Health Insurance at 1860-425-0000.
  • 1

    Claim Intimation

    Emergency hospitalization needs intimation within 24 hours and for planned hospitalization intimate within 48 hours prior to admission.
  • 2

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 3

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.
  • 4

    Claim Assistance

    For any assistance call insurancedekho at 1800-120-5698 or call toll free number of Royal Sundaram Health Insurance 1860-425-0000.

Royal Sundaram Health Insurance User Reviews

  • claim process is easy and clear

    I purchased a health insurance policy of Royal Sundaram with the help of Their claiming part is easy and clear. Also, I have to pay low premiums and the returns are high. I have almost all the necessary features covered under my policy. Thanks to the company.

    Shalini Ahuja
    On: May 10, 2019 | Views
  • satisfied

    My company has got me covered under the group policy but I wanted a separate cover for myself and my family to reduce the risk. So when my friend suggested my Royal Sundaram’s family floater health insurance plan, then I got in touch with and the customer care executives explained to me everything over a call in a short time. I am now covered for 3 years and have availed cashless treatment once. I am very much satisfied. 

    Prashant Sabharwal
    On: May 08, 2019 | Views
  • Good company to go with

    I have purchased Royal Sundaram Lifeline health insurance. The policy coverage is high at approx. Clams process is even easy. Thousands of hospitals across the country for cashless treatment and availability at any time has impressed me very much. Good company to go with!

    Manish Mehta
    On: May 06, 2019 | Views
  • lesser paper work

    Ryal Sundaram is a renowned name in the health insurance sector and don’t regret my decision of buying an individual health insurance plan from them. They have lesser paper work and the claim was hassle free. But they do not provide coverage for cosmetic surgeries. 

    Aditya Narang
    On: May 03, 2019 | Views
  • Awesome Customer Service

    If I am asked to name the best health insurance company, I would recommend Royal Sundaram without thinking twice. Had a great experience with them. Amicable behavior, supportive, and respect their customers. Royal Sundaram is really a good name to choose health insurance. 

    Sudhir Babu
    On: May 02, 2019 | Views
  • Better company better plan

    Many praises would fall short if I tell the truth about Royal Sundaram. My experience with the company has been incredible. I got health insurance at low premiums, but maximum coverage. Instant claim approval and cashless treatment across the country are some of the features of Royal Sundaram. 

    Ranjeet Dhuriya
    On: May 01, 2019 | Views

Latest Royal Sundaram Health Insurance News

Royal Sundaram Health Insurance Contact Details

Reach us for help anytime
  • Royal Sundaram Health Insurance FAQs

  • How to buy and apply for Royal Sundaram health insurance policy?

    You can buy and apply for any Royal Sundaram Health Insurance Policy online from the official website of Royal Sundaram Health Insurance at or through online broker’s website like

    How many hospitals provide cashless claim settlement in health insurance offered by Royal Sundaram?

    There are 3,000+ hospitals that provide cashless claim settlement in health insurance by Royal Sundaram.

    How to pay Royal Sundaram health insurance premium? What are the modes of payment available?

    "Royal Sundaram offers two modes of payment for the health insurance premium, viz., 1. Cash payment at the branch 2. Online payment For the online payment mode, the policyholder can pay via: 1. Credit Card 2. Debit Card 3. Net banking

    What is the renewal process for Royal Sundaram health Insurance?

    You can renew the Royal Sundaram health insurance policy by following these steps online-  Enter your Policy Number and Date of Expiry into e-portal.  Calculate the premium  Select the payment option-Net Banking or Debit/Credit Card to pay.  Upon successful payment completion, print/save the premium deposit receipt.

    How can I check the policy status of my Royal Sundaram health insurance?

    If you are a registered user, you can simply log into the official website of Royal Sundaram with your e-mail id and password and check the status of your Royal Sundaram mediclaim plan.

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