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Royal Sundaram Health Insurance Benefits

Royal Sundaram offers a wide range of general insurance products, including health insurance. It provides a variety of health insurance policies to meet the needs of diverse customers. The plans come in a variety of shapes and sizes, yet they all provide comprehensive coverage at reasonable prices. The organisation has more than 5.2 million users and more than 143 locations across the country.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

Employed people can enrol in health insurance plans sponsored by their employers. These plans, however, have a limited scope of coverage and may have a minimal sum insured. If you already have coverage through an employer-sponsored health plan, you can supplement it with any of Royal Sundaram's health insurance policies.

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. The expenses are covered under Royal Sundaram's health insurance whether they are incurred prior to being hospitalised, after being hospitalised, or during the time of hospitalisation. Furthermore, the company's plans provide coverage for day care treatments, maternity fees, restoration of the sum insured, and domiciliary therapies, among other things.

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 citizens).

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Royal Sundaram Health Insurance Plan List

  • Individual (5)
  • Family (5)
  • Woman (5)
  • Blood Pressure (5)
  • Kids (4)
  • Thyroid (5)
  • Diabetes (5)
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Disclaimer : Actual Coverage might vary basis your location, age and number of members

Key Features of Royal Sundaram Critical Illness Insurance Policy

Royal Sundaram critical illness insurance comes with certain features. Key features of the plan are as follows:​

  • P​ortability option
  • Cashless treatment
  • Lifelong renewability
  • Hassle-free claim process
  • Speedy resolution of claims​

With the critical illness coverage benefits, the Lifeline insurance policy of Royal Sundaram is a good choice if you want to buy critical illness health insurance.

Tax Save
Save Tax upto ₹75000*
Under Section 80D

*Tax benefits are subject to changes in Income Tax Act.

Royal Sundaram Health Insurance Top Up List

  • Critical Illness (1)
  • Family (1)
  • Individual (2)
  • Senior Citizen (1)
  • Top-up (1)
Name of PlanSum Insured
LifelineMin: 91 Days; Max: No Limit2 Lakh Check Premium

Health Insurance News


  • 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 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.

User Reviews

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What users are saying
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  • Flexibility and Customization

    When I switched to the Royal Sundaram Health Insurance Plan, I was impressed by InsuranceDekho's flexibility options for health insurance services. They allowed me to tailor the health insurance plan to my family's specific healthcare needs.

    Royal Sundaram
    By Rohit Dhama
    On: Mar 14, 2024
  • The plan was worth buying

    The Royal Sundaram Health Insurance that I bought from the InsuranceDekho website is a very great and affordable plan. The Royal Sundaram Health Insurance plan covers several benefits and features that one can expect from a good health insurance plan. I must say this is an amazing health insurance plan.

    Royal Sundaram
    By Bharti Mehra
    On: Mar 04, 2024
  • Provide Flexibility

     At Insurancedekho companies, you can Compare insurance plans whenever you are free and contact the customer support team at any time. I am very thankful to the customer team of InsuranceDekho. I bought my Royal Sundaram Health Insurance Plan conveniently through your anytime assistance feature.

    Royal Sundaram
    By Jasmin Kaur
    On: Feb 13, 2024
  • Dedicated Team Support

    Thanks to the InsuranceDekho team who were extremely helpful when I was buying the Royal Sundaram Health Insurance Plan with them. The team helped me understand the Royal Sundaram Health Insurance and even explained the process of buying this plan.

    Royal Sundaram
    By Deepti Arora
    On: Dec 13, 2023
  • Wide Network of Hospital

    What I love about InsuranceDekho is their extensive network of hospitals and healthcare providers that I came to know about as I bought the Royal Sundaram Health Insurance Policy. I can choose from a wide range of hospitals for my medical needs.

    Royal Sundaram
    By Aisha Pinto
    On: Sep 12, 2023

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