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Royal Sundaram Surgical Shield 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 Surgical Shield
Based on
19 User reviews
  • Complete digitised documentation

    The Surgical Shield health insurance plan of Royal Sundaram for my father has turned out to be the best investment I have ever done. On InsuranceDekho website, the whole process was digitalised. I didn’t have to go through any paperwork and got the policy document via mail. It is easy to carry during emergencies. 

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    Deborshi Nag
    On: Nov 03, 2020
  • Thumbs up!

    I am very thankful to this health plan. This has given me an affordable treatment. I invested a good amount of money and time in this policy for which I have got a great return for sure. Insurance Dekho is an ideal way to go for the surgery with. Thumbs up to this policy. 

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    Neerav Yadav
    On: Feb 20, 2020
  • Easy to go plan.

    My efforts got paid when I found this plan on the advises of There are many benefits and features in this plan. When I purchased this scheme I was very much concerned in terms of health and financial risk involved in the surgical procedures. I was very chill while using this plan.

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    Ahaan Kapoor
    On: Feb 20, 2020
  • Helpful health plan!

    I never got any problem with this plan in any manner. They gave me the promised benefits, they gave me the promised sum insured and they helped me swiftly in getting the claim. In short, it is a great policy which never whistled me down the wind during the surgical situations and other medical emergencies. 

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    Prateek Barara
    On: Feb 05, 2020
  • Not that good!

    I don’t find this plan good enough to appreaciate. Though it helped me in getting the coverage for my cardiovascular surgery but I had to fight a lot to gain that. During a critical period where I needed rest my family had to be in a constant touch to attain the claim.. This is an average plan not a good one. 

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    Deepti Sharma
    On: Feb 05, 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
  • Thumbs up to this plan.

    The Surgical Shield Policy is an excellent plan by Royal Sundaram. This plan has helped me in getting the best surgical procedure for my Cardiovascular System. Though, I got that cover after spending its waiting period, but still I find its coverage very easy and affordable for me.. 

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    Neelam Kapoor
    On: Jan 23, 2020
  • Perfect policy.

    I find it a perfect policy for me and my family. I bought this plan 2 years back and have enjoyed claim once. It is a simple plan with great benefits. Now I am no more afraid of undergoing any medical surgery due to this plan which I believe will take care of my expenses.

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    Yogesh Patidar
    On: Jan 22, 2020
  • Superb health plan!

    I have bought this exceptionally beneficial plan from Insurance Dekho Company. The customer care staff of that company helped me in understanding this plan complete by answering all my questions. Now I am very confident to use this plan. Though I never have used this policy yet but am sure that it will let me go through any surgery without financial hassle.

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    Manish Kumar Jha
    On: Dec 30, 2019
  • Exceptionally well plan.

    The Surgical Shield Plan is framed to assist people during the surgical procedures and cease any financial crisis arising due to it. I bought it for my mother who was constantly falling sick due to stomach issues and needed to go through the surgery as per the doctor. With this she got operated in the best hospital.

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    Suraj Awasthi
    On: Dec 29, 2019
  • Perfection is here!!

    I have never seen a health insurance plan better than this one. I will be recommending this one to everyone. 

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    Jyoti Maliwal
    On: Dec 07, 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