Royal Sundaram Health Insurance Benefits

Royal Sundaram Health Insurance

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5,000+ Network Hospitals

1,85,450 Policies Issued

Lifelong Renewability

77.32% Claim Settlement Ratio

In-House Claim Settlement

Coronavirus (COVID-19) Cover

Benefits of Royal Sundaram Health Insurance

Royal Sundaram General Insurance Company acquired its license in the year 2000 becoming the first private insurance company in the general insurance segment. Currently, the company is formed as a venture between Sundaram Finance, which holds 50% stake; Ageas, which holds 40% stake; and other Indian shareholders who aggregately hold 10% stake in the company.

Royal Sundaram has a range of general insurance products in its kitty, health insurance being one of them. The company has a customer base of more than 5.2 million individuals across the country and has more than 143 branches. The company boasts of being the first private insurer which tied up with banks to sell insurance. Moreover, Royal Sundaram also introduced cashless claim settlements in the health insurance sector.

A range of health insurance plans are offered by Royal Sundaram. The plans are of different types having a wide coverage and affordable premiums.​​

  • Additional Benefit of Free Health Check up

    The health insurance plans offered by Royal Sundaram offer the benefit of free health check-ups once in 1-4 policy years. Thus, insured members can avail free preventive health checks and maintain their health.
  • Additional Protection over Employer Coverage

    Employer sponsored health insurance plans are available for employed individuals. However, these plans have a limited scope of coverage and the sum insured might also be low. So, if you are already covered under an employer sponsored health plan, you can increase your coverage through any of Royal Sundaram’s health insurance plans.
  • Cashless Benefit

    Cashless hospitalisation is provided by Royal Sundaram if you take treatments at any of the 5000+ hospitals which are tied-up with the company. Through cashless claim settlements, you do not have to shoulder the burden of medical costs. Your health plan pays for the expenses directly.
  • Claim Settement Ratio

    Having established cashless claim settlements, Royal Sundaram aims to settle most of the claims which are presented upon it. That is why the company has a high claim settlement ratio of 82.18%* which measures the number of claims which the company has settled against the total claims which were made on it. *The claim settlement ratio change from time to time.
  • Coverage against Medical Expenses

    Royal Sundaram’s health plans cover most of the medical expenses which are incurred in case of hospitalisation. Whether the expenses are incurred before being hospitalised, after being hospitalised or at the time of hospitalisation, the expenses are covered under Royal Sundaram’s health plans. Moreover, you also get coverage for day care treatments, maternity expenses, restoration of sum insured, domiciliary treatments, etc. from the plans offered by the company.
  • Incurred Claim Ratio

    The Incurred Claim Ratio (ICR) of Royal Sundaram for the financial year 2087-19 was 61%*. The ratio is measured as the percentage of claims paid against the total premiums collected by the company. If the ratio is below 100%, it shows that the company made a profit. Royal Sundaram’s ICR, being below 100% shows that the company earned a profit and is financially stable. *The incurred claim ratio change from time to time.
  • Tax Benefit

    The premiums which are paid for health plans of the company qualify for tax deduction under Section 80D up to a limit of Rs. 55,000 (Rs. 25,000 for individual and Rs. 30,000 for senior citizen).

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
Arogya Sanjeevani PolicyMin: 3 Months; Max: 65 Years 1 Lakh - 5 Lakh Get Quotes Now
Corona Kavach PolicyMin: 1 Day; Max: 65 Years50,000 - 5 lakh 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

Royal Sundaram Health Insurance User Reviews

  • Got the plan at affordable price

    I bought this Arogya Sanjeevani plan of Royal Sundaram Insurance from InsuranceDekho platform at an economical price. Their executive elaborated all i...

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    Ramesh Sawant
    On: Jun 18, 2020 | Views
  • Plan with amazing benefits

    The InsuranceDekho team advised me to buy this plan for covering my family. I purchased this policy and found that it has so many amazing benefits whi...

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    Ritesh Kumar
    On: Jun 17, 2020 | Views
  • Awesome Claim Assistance

    After my hospitalisation, I wanted my claim to get settled but did not know the claim process. Then, the customer support team of the InsuranceDekho t...

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    Ankur Yadav
    On: Jun 15, 2020 | Views
  • Easy Renewal Process

    I could easily get my Arogya Sanjeevani Plan renewed at the InsuranceDekho platform. Their platform is very customer-centric and helped me get it rene...

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    Vivek Khatri
    On: Jun 12, 2020 | Views
  • Got many benefits under this policy

    I bought Royal Sundaram’s Family Plus plan because it covers me for many features. Also, it covers my entire family of 10 people. I was happy to...

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    Shubham Kathuria
    On: Jun 03, 2020 | Views
  • Customer friendly policies..

    I recently bought Royal Sundaram’s Family Plus plan because the insurer provides customer-friendly health insurance plans. I bought it from Insu...

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    Rajkumar J.
    On: Jun 01, 2020 | Views
  • Instant Renewal

    I bought Royal Sundaram Insurance plan for me and my family and got a policy within 10 mins on my mail. It's so easy to buy policy online through ...

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    Sunil Sharma
    On: May 29, 2020 | Views
  • Knowledgeable team at Insurance Dekho

    I was already covered under the health insurance plan that my company provided me.  But I wanted extra coverage for which I consulted the team at...

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    Kashish Gupta
    On: May 27, 2020 | Views
  • Superb plan for family people

    As soon as this policy came out, i purchased it. I must say that I have got decent coverage at less premium rate. Plus, I have also got coverage for C...

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    Geeta Pant
    On: Apr 07, 2020 | Views
  • True Companion!

    I bought this Health Companion Plan from InsuranceDekho company. This is a plan that kept me safeguarded for more than a year. I wanted an economical ...

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    Umang Goel
    On: Mar 02, 2020 | Views

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 or through online broker’s website like

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

    There are 5,000+ 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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