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Royal Sundaram Smart Cash Health Insurance User Reviews

179 reviews Rate This
Royal Sundaram
Claim Settlement Ratio92%
Pre-existing Disease Waiting Period3 years
Starting Premium of Rs. 5 lakhs SIRs. 382/month
Network Hospitals10,000+
Special BenefitsModern Treatments Such as Bariatric Covered

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Rating of Smart Cash
Based on
18 User reviews
  • Comfortable plan!

    As per the name, this is a smart plan in real sense. I have been using this policy for more than 1 years and claimed once. I was surprised to witness the swiftness in the claim settlement process of the plan. Very few plans and insurers have this much dedication after the purchase. 

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    Farooq Sidhiqui
    On: Feb 18, 2020
  • An ideal choice.

    This policy is furnished with various sorts of benefits. This Smart Cash Policy is a perfect sort of purchase as per your medical requirements. It also includes the optional benefit which increases the value of this health plan. In short, for me this is an ideal choice for my family.

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    Nimisha Khanduri
    On: Feb 18, 2020
  • Smart scheme.

    When it comes to hospitalisation, everybody’s savings start to squander. Mine case was no different when I got admitted for my liver infection last year. This stimulated me to buy a new plan like Smart Cash. Though I have not made any claim under this policy but its features gives me a peace of mind.

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    Barkha Singh
    On: Feb 05, 2020
  • Attractive one!

    This policy has been a great bunch of benefits and features for me. I found this scheme as a good deal to enter in and suggest every one to get this as it suits almost every sort of hospitalisation needs. It comes with the option benefit with it which attracted me a lot. 

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    Lalit Sinha
    On: Feb 05, 2020
  • Wonderful policy.

    This is a plan that is furnished with a lot of features and benefits. The Smart Cash Policy is certainly a great buy and can be bought as per my medical requirements. I love the inclusion of optional benefit a lot as it enhances the value of this plan and concludes it as an ideal choice for every household.

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    Varsha Srivastava
    On: Jan 22, 2020
  • Must BuyMust Buy

    Why to Buy Health Insurance Policy Online from InsuranceDekho

    • Tax benefit upto 75,000*
    • Claim support everyday 10AM-7PM
    • 50 Lacs+ happy customers
  • Big thankyou.

    I bought this through Insurance Dekho firm. This policy provided me with a cushion against the financial burden arisen due to the hospitalisation over the years.. I got daily benefits related to miscellaneous events and hospitalisation due to a mishap or disease. I offer a big thanks to this plan. 

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    Manik Rawat
    On: Jan 21, 2020
  • A great insurance policy.

    Smart Cash Plan has provided me with a cushion against the financial burden which arise due to me and my family member’s hospitalisation. It covered my medical expenses when I got hospitalised due to a mishap or disease by offering daily cash benefit. I got the option to opt for daily cash from Rs. 500 to Rs 10,000 per day by including myself and my dependent family members. 

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    Gurdeep Singh
    On: Dec 30, 2019
  • Very helpful scheme!

    I have used this plan for more than 2 years and still using this. It has given me enough strength and support to constantly combat medical emergencies and safeguard myself and my entire family. Neither this policy let me face any financial crunches nor it gone unaffordable for me ever. It is indeed a helpful scheme. 

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    Fahim Saifi
    On: Dec 29, 2019
  • Good scheme

    Committed to deliver the best and widest possible coverage to customers. The policy is great in offering a good amount of daily cash to ease the hospitalisation of policyholder. I am very obliged with this plan.

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    Dinesh Pradhan
    On: Dec 06, 2019
  • Smart policy.

    The constant cash providing approach can solve a lot of problem related to hospitalisation. The smart cash does that very smartly. I am very much impressed with this plan. 

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    Deepa Katiyar
    On: Dec 05, 2019

2696 Royal Sundaram Cashless Network Hospitals in India

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 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.

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.

Royal Sundaram Health Insurance Contact Details

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Insurance Products by Royal Sundaram General Insurance