Banner

Royal Sundaram Health Insurance Benefits

37 reviews Rate This
Highlights
Claim Settlement Ratio81.50%
COVID-19 CoverYes
In-House Claim SettlementAvailable
Network Hospitals5,000+
Policies Sold1,85,450
RenewabilityLifelong
Banner

Benefits of Royal Sundaram Health Insurance

Royal Sundaram has a range of general insurance products in its kitty, health insurance being one of them. It offers a range of health insurance plans that cater to different requirements of the customers. The plans are of different types and offer wide coverage at affordable premiums.​​ The company has a customer base of more than 5.2 million individuals across the country and has more than 143 branches. It 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.

  • 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 Settlement 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 good Claim Settlement Ratio of 81.50%* which measures the number of claims which the company has settled against the total claims which were made on it. *The claim settlement ratio changes 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 2018-19 is 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 paid for Royal Sundaram health insurance plans 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
Corona Kavach PolicyMin: 1 Day; Max: 65 Years50,000 - 5 lakh Get Quotes Now
Arogya Sanjeevani PolicyMin: 3 Months; Max: 65 Years 1 Lakh - 5 Lakh Get Quotes Now
Hospital Cash Insurance (Discontinued)Min: 1 Year; Max: 70 Years500/day Get Quotes Now
Surgical Shield (Discontinued)Min: 90 Days; Max: 65 Years3 Lakh Get Quotes Now
Hospital Benefit Plus (Discontinued)Min: 1 Year; Max: 70 Years5 Lakh Get Quotes Now
Critical Illness Lumpsum (Discontinued)Min: 91 Days; Max: 65 Years25 Thousand Get Quotes Now
Smart Cash (Discontinued)Min: 91 Days; Max: No Limit500/day Get Quotes Now
Secure All (Discontinued)Min: 91 Days; Max: 65 Days1.5 Lakh Get Quotes Now
Total Health Advantage (Discontinued)Min: 91 Days; Max: 65 Years2 Lakh Get Quotes Now
Amsure Master Health (Discontinued)Min: 91 Days; Max: 65 Years5 Lakh Get Quotes Now
Health Forever (Discontinued)Min: 91 Days; Max: 75 Years1 Lakh Get Quotes Now
Total Health Plus (Discontinued)Min: 91 Days; Max: 65 Years3 Lakh Get Quotes Now
Ace Health Advantage (Discontinued)Min: 91 Days; Max: 65 Years2 Lakh Get Quotes Now
Family PlusMin: 91 Days; Max: No Limit2 Lakh Get Quotes Now
LifelineMin: 91 Days; Max: No Limit2 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 Plan (Discontinued)Min: 91 Days; Max: 65 Years2 Lakh Get Quotes Now

Health Insurance Calculator

Whom do you want the insurance for ?

You
Couple
Family
Father
Mother

    Select the age of all members

  • You

Where do you live ?

Choose required Coverage for yourself?

Disclaimer : Actual Premium might vary basis your location, age and number of members

Royal Sundaram Health Insurance User Reviews

Write your review
What users are saying
  • All
Must BuyMust Buy

Why to Buy Health Insurance Policy Online from InsuranceDekho

  • Tax benefit upto 75,000*
  • Claim support everyday 10AM-7PM
  • 14 Lakh+ happy customers

Health Insurance News

  • Latest
  • Popular

Royal Sundaram Health Insurance Contact Details

Reach us for help anytime

Claim Process at Royal Sundaram Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 48 hours and for planned hospitalisation intimate at least 48 hours prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 48 hours and for planned hospitalisation intimate within 72 hours prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

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

1550 Royal Sundaram Cashless Network Hospitals in India

Insurance Products by Royal Sundaram General Insurance

FAQ About Royal Sundaram Health Insurance

  • 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 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 online payment mode, the policyholder can pay via credit card, debit card, or 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.

Latest Health Insurance Articles

  • Latest
  • Popular

Network Hospital in Popular Cities

CityNo of Hospital
Chennai225
Mumbai225
Ahmedabad225
Patna47
Bengaluru225
Kolkata225
Jaipur166
View All

*Standard T&C Apply. All savings/offers are provided by the Insurers, which are subject to modification .For more details on risk factors, terms and conditions, please read the sales brochure of respective insurers carefully before concluding a sale. Tax benefits are subject to changes in applicable tax laws. Girnar Insurance Brokers Private Limited, (CIN: U66010RJ2016PTC054811, Regd .Off: Girnar 21, Govind Marg, Moti Doongari Road, Dharam Singh Circle, Jaipur, Rajasthan- 302004; Corp. Off: 11th Floor, Tower B, Emaar Digital Greens, Golf Course Extension Road, Sector-61, Gurugram-122102, Haryana. IRDAI License no 588. Direct Broker (Life & General) valid till 19th March 2023. Email - support@insurancedekho.com ; Helpline number: 7551196989.
You authorise Girnar Insurance Brokers Pvt Ltd (insurancedekho) to contact you through call, SMS, email, WhatsApp or any other mode in future. You hereby override your NDNC registration.