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Royal Sundaram Health Insurance

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Highlights
  • 3,000+ Network Hospitals
    Check in your City
  • 1,52,029 Policies Issued
  • 61.41% Incurred Claim Ratio
  • Lifelong Renewability
  • 82.18% Claim Settlement Ratio
  • In-House Claim Settlement
Find the right insurance for you

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

  • Easy access to TPA service
  • 143+ offices across the country
  • An array of sum insured options
  • 3,000+ leading network hospitals
  • Pre-policy medical health check-ups
  • Cashless facilities in network hospitals
  • 100% Reload of Sum Insured at no extra cost

The vision of Royal Sundaram is to become the 'First Choice' general insurer for India. To achieve this, the insurer is committed to providing customers with peace of mind by introducing innovative insurance solutions, products, and super quality service. With the help of its bunch of enthusiastic individuals, the company is determined to define the service standards of the industry.

Royal Sundaram 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
LifelineMin: 91 Days; Max: No Limit2 Lakh Get Quotes Now
Family PlusMin: 91 Days; Max: No Limit2 Lakh Get Quotes Now
Ace Health AdvantageMin: 91 Days; Max: 65 Years2 Lakh Get Quotes Now
Total Health PlusMin: 91 Days; Max: 65 Years3 Lakh Get Quotes Now
Health ForeverMin: 91 Days; Max: 75 Years1 Lakh Get Quotes Now
Amsure Master HealthMin: 91 Days; Max: 65 Years5 Lakh Get Quotes Now
Total Health AdvantageMin: 91 Days; Max: 65 Years2 Lakh Get Quotes Now
Secure AllMin: 91 Days; Max: 65 Days1.5 Lakh Get Quotes Now
Smart Cash Min: 91 Days; Max: No Limit500/day Get Quotes Now
Critical Illness LumpsumMin: 91 Days; Max: 65 Years25 Thousand Get Quotes Now
Hospital Benefit PlusMin: 1 Year; Max: 70 Years5 Lakh Get Quotes Now
Surgical ShieldMin: 90 Days; Max: 65 Years3 Lakh Get Quotes Now
Hospital Cash InsuranceMin: 1 Year; Max: 70 Years500/day Get Quotes Now

Royal Sundaram Health Insurance Top Up List

Name of PlanSum Insured
LifelineMin: 91 Days; Max: No Limit2 Lakh Get Quotes Now
Health XS and Super Health XS PlanMin: 91 Days; Max: 65 Years2 Lakh Get Quotes Now

Claim Process at Royal Sundaram Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Intimation

    Emergency hospitalisation needs intimation within 48 hours and for planned hospitalisation intimate at least 48 hours prior to admission.
  • 2

    Claim Processing

    Fill in the pre-authorisation 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 hospitalisation needs intimation within 48 hours and for planned hospitalisation intimate within 72 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

  • Committed to fulfill the expectations!

    Royal Sundaram is a brand that has never failed to fulfil my expectations. I am in its association for more than 2 years and hardly faced any trouble in understanding any clause, affording the plan, claim settlement procedure and so on, due to their experienced and dedicated customer executives and staff.

    V
    On: Oct 10, 2019 | Views

  • Happy to be with them!

    The Royal Sundaram has always been striving to provide its customer with the peace of mind by constantly introducing innovative insurance solutions, products, and super quality service. With the help of its bunch of enthusiastic individuals, the company is determined to define the service standards of the industry. Happy to be associated with them!

    S
    On: Oct 10, 2019 | Views

  • Terrific Service!

    Royal Sundaram is one the best health insurance company. I got associated with it 8 months back on the suggestion of InsuranceDekho team. Have got my first claim settled for my accidental treatment.

    S
    On: Oct 03, 2019 | Views

  • My favourite insurer!

    My friends and I use health insurance plans of different insurers. But I am the happiest of all of them as my insurer is Royal Sundaram and it put me on the priority. Whenever I have any query or problem they solve and never leave me dissatisfied. 

    S
    On: Oct 03, 2019 | Views

  • My Favourite Insurer

    I am using 2 policies of Royal Sundaram for the last 4 years and found myself very satisfied with its services. It has an active customer care team, prompt claim settlement procedure, plans for families and so on. This is the best of all the insurers I have associated with til today. 

    A
    On: Sep 25, 2019 | Views

  • Royal and Reliable!

    The insurer is highly reliable and provides one of the largest coverage among all the insurers in the health insurance market. I found it highly committed and trusted brand and advise all my friends and relatives to go for it without any worry.

    H
    On: Sep 25, 2019 | Views

  • Recommended

    Whenever purchasing a health insurance policy of Royal Sundaram. Look for InsuranceDekho. I would like to recommend this site to everyone, easy to use and understand.

    M
    On: Sep 16, 2019 | Views

  • Amazing

    Amazing service offered by the insurance agents at InsuranceDekho. Right from explanation to purchase everything was transparent.

    P
    On: Aug 30, 2019 | Views

  • Kudos!

    Kudos to the team! You get me what I needed! The plan that covers my whole family and provides me with lots of benefits. 

    M
    On: Aug 09, 2019 | Views

  • Claim process is easy and clear

    I purchased a health insurance policy of Royal Sundaram with the help of Insurancedekho.com. 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.

    S
    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 Insurancedekho.com 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. 

    P
    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!

    M
    On: May 06, 2019 | Views

  • Lesser paperwork

    Royal 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. 

    A
    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. 

    S
    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. 

    R
    On: May 01, 2019 | Views
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Latest Royal Sundaram Health Insurance News

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Royal Sundaram Health Insurance Contact Details

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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 www.royalsundaram.in or through online broker’s website like Insurancedekho.com.

  • 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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