Royal Sundaram Alliance Insurance Company Limited is the first private sector general insurance company in India to be licensed since 2001 Royal Sundaram general insurance offers Motor, Health, Personal Accident and other products to individual customers. Royal Sundaram also offers specially designed products to the Small and Medium enterprises and Rural customers.
From basic individual health insurance cover to specialist , Royal Sundaram Health Insurance offers a wide array of health insurance plans which also includes maternity benefits and the option to auto-recharge sum insured every policy year even if a claim has been made.
Royal Sundaram Health Insurance Highlights Updated on 01 Jun 2020
| Features | Specifications |
| Network Hospitals | 3000+ |
| Waiting Period for Pre-existing Disease | 3 years |
| Incurred Claims Ratio | 80.41% |
| Number of Policies Issued | 152029 |
| Grievances Solved | 99.74% |
| Renewability | Lifetime |
*For Year 2017-2018
Overview of Royal Sundaram Alliance Insurance:
Royal Sundaram Alliance Insurance Co. Ltd., India’s first private insurer (promoted by Sundaram Finance and RSA) began operations in the year 2001. It has grown tremendously over the years to become a leading player in the Indian insurance industry.
Their product portfolio comprises various product lines ranging from auto to home insurance on the personal front and fire to engineering to liability insurance on the corporate front.
Royal Sundaram was responsible for introducing many innovative services/offerings which, today, have become the norm for most insurance companies e.g. cashless claims processes, cash allowances for hospitalisation and value-add partnerships with top institutions to extend market reach.
Their efforts have led them to create a customer-base of over 5 million clients, who are provided superior customer service through a multi-channel distribution network of agents, institutional tie-ups, brokers etc. The company’s presence is felt in over 180 cities nationwide.
As part of its health insurance segment, the company offers the following health insurance policies:
- Royal Sundaram Family Good Health Plan
- Royal Sundaram Smart Cash Plan
- Royal Sundaram Lifeline Health Insurance
Royal Sundaram Family Good Health Plan:
A health insurance policy which serves to provide financial protection to the proposer and his family, including dependant parents, economically and adequately.
| Entry Age | 91 days to 21 yrs |
| Policy Period | 1 or 2 yrs. |
| Renewability | Lifetime |
| Medical Screening | Required for entrants over 50 yrs. Dependent parents up to 65 yrs. |
| Basis |
Floater - (family includes self, spouse, dependent children and parents) - Up to 2 adults and up to 3 children |
| Sum Assured |
Rs.2, 3 or 4 lakhs Cumulative Bonus: 5% - 50% on renewal fpr every claim-free year |
| Premium |
Based on the oldest insured member 1 yr. policy: Rs.3,341 to Rs.33,403 2 yr. policy: Rs.6,348 to Rs.63,466 |
| Coverage |
- Inpatient hospitalisation expenses: Room charges, Fees of medical professionals, cost of / charges for equipment and supplies, cost of consumables, OT charges etc. - Pre/Post-hospitalisation expenses: Up to 30/60 days respectively - Pre-existing diseases: After a 4 yr. waiting period - Daily Cash Allowance: Rs.500 per day of hospitalisation (max. 20 days per insured member, subject to an overall limit of 60 days for all members) - Convalescence Benefit - For hospitalisation beyond 21 days: Up to Rs.10,000 per insured member (overall limit Rs.20,000 for all members) - Specified day care procedures - Ambulance costs: Up to Rs.1,000 per hospitalisation - Health-check costs: Up to Rs.750 per insured member after 4 successive claim-free years |
Royal Sundaram Smart Cash Plan:
The Smart Cash Plan offered by Company takes care of your daily expenses incurred in transportation, food, patient’s attendance, guest accommodation, etc. This is daily cash benefit plan. The plan is particularly designed to cover your out of pocket expenses in treating injury or illnesses. The Smart Cash Plan comes with three variants namely - Silver, Gold and Platinum.
The Smart Cash Plan comes with a host of attractive feature and benefits such as tax benefits, hospitalization benefits, emergency flight tickets reimbursement and a grace period of 30 days to name a few. The plan provides cover for Hospitalization, Join Hospitalization, ICU charges, Critical Illnesses, Childbirth, Guest expenses, Food expenses, Travel expenses and expenses incurred in Emergency Family Member visit. This is an individual plan, but you can include children, spouse, parents, dependents and self under this plan. Also, it provides cover for childbirth and maternity related expenses.
The minimum entry age required for the Smart Cash Plan is 91 days. The maximum entry age for the same is 70 years (applicable for Gold and Platinum variant). There is no maximum entry age applicable for Silver Smart Cash policyholders. The maximum sum insured under this plan varies between Silver, Gold and Platinum. No exit age is applicable for this plan.
Roayl Sundaram Lifeline Health Insurance:
This is a health insurance policy that can be taken as an individual plan or as a family floater plan to secure health insurance benefits for the entire family. It has 3 variants that offer slightly different features to policyholders.
- Royal Sundaram Lifeline 'Classic' Health Insurance Plan
- Royal Sundaram Lifeline 'Supreme' Health Insurance Plan
- Royal Sundaram Lifeline 'Elite' Health Insurance Plan
| Classic | Supreme | Elite | |
| Basis | Individual Family Floater - Self, spouse and dependent children - Maximum 2 adults and up to 4 children | Individual Family Floater - Self, spouse and dependent children - Maximum 2 adults and up to 4 children | Individual Family Floater - Self, spouse and dependent children - Maximum 2 adults and up to 4 children |
| Entry Age | Minimum 18 Year, No Maximum. For dependent children under the family floater plan the age should be between 91 days and 25 years old. | Minimum 18 Year, No Maximum. For dependent children under the family floater plan the age should be between 91 days and 25 years old. | Minimum 18 Year, No Maximum. For dependent children under the family floater plan the age should be between 91 days and 25 years old. |
| Policy Period | 1,2 or 3 years | 1,2 or 3 years | 1,2 or 3 years |
| Sum Assured | Rs. 2 lakhs to Rs. 5 lakhs | Rs. 5 lakhs to Rs. 50 lakhs | Rs. 25 lakhs to Rs. 1 crore |
| Renewability | Lifetime | Lifetime | Lifetime |
| Number Of People Covered | Up to 6 for family floater plans | Up to 6 for family floater plans | Up to 6 for family floater plans |
| Medical Screening | None in case of no pre-existing diseases | None in case of no pre-existing diseases | None in case of no pre-existing diseases |
| Coverage |
Inpatient Care Pre and post hospitalization expenses: 30 to 60 days up to sum insured Domiciliary hospitalization All day care procedures Ambulance cover: Up to Rs. 3,000 Organ donor expenses Cover for Ayurveda, Yoga, Unani, Siddha, and Homeopathy treatment up to Rs. 20,000 Animal bite vaccination covered up to Rs. 2,500 Hosptial cash for 30 days if hospitalized for more than 2 days: Rs. 1000 per day Re-load of sum insured without having to pay premium again. Preventive healthcare |
Inpatient Care Pre and post hospitalization expenses: 60 to 90 days up to sum insured Domiciliary hospitalization All day care procedures Ambulance cover: Up to Rs. 5,000 Organ donor expenses Cover for Ayurveda, Yoga, Unani, Siddha, and Homeopathy treatment up to Rs. 30,000 Animal bite vaccination covered up to Rs. 5,000 Emergency domestic evacuation covered up to Rs. 1 lakh Hosptial cash for 30 days if hospitalized for more than 2 days: Rs. 2,000 per day Re-load of sum insured without having to pay premium again. Preventive healthcare |
Inpatient Care Pre and post hospitalization expenses: 60 to 180 days up to sum insured Domiciliary hospitalization All day care procedures Ambulance cover: Up to Rs. 10,000 Organ donor expenses Cover for Ayurveda, Yoga, Unani, Siddha, and Homeopathy treatment up to Rs. 50,000 Animal bite vaccination covered up to Rs. 7,500 Emergency domestic evacuation covered up to Rs. 3 lakhs Hosptial cash for 30 days if hospitalized for more than 2 days: Rs. 5,000 per day Re-load of sum insured without having to pay premium again. Preventive healthcare Emergency hospitalization abroad: Rs 20 lakhs. Comes with a deductable of $1,000 per hospitalisation Out patient department treatment covered up to Rs. 10,000 Maternity cover for 2 deliveries: Rs. 2 lakhs for sum insured up to Rs. 50 lakhs and Rs. 2.5 lakhs for sum insured more than Rs. 50 lakhs |
| No Claim Bonus | 10% of the sum insured subject to a max of 50% of sum insured | 20% of the sum insured subject to a maximum of 100% of sum insured | 20% of the sum insured subject to a max of 100% of sum insured |
| Treatment Outside India | Not covered | Not covered | Option to avail treatment abroad. Also covers treatment of 11 critical illnesses abroad. |
Why Royal Sundaram Health Insurance?
Royal Sundaram Health Insurance is one of the top health insurance providers in India. The company offers quality health insurance plans at affordable prices. Here are some reason why customers prefer Royal Sundaram Health Insurance:
- The insurers offers a wide range of health insurance plans with lifetime renewability and a wide sum insured range.
- The insurance company has a high Claim Settlement Ratio which is an indicator of its capability to settle a high number of claim in any given financial year.
- Excellent customer service which includes online premium calculator, 24/7 helpline number, network hospital locator, hassle-free claim process, call back option, a dedicated grievance redressal cell, and online renewal.
- To enhance your health cover, you can choose to add-on covers such as cash benefits, personal accident cover, and critical illness cover.
Royal Sundaram Health Insurance Policies Offer:
Royal Sundaram Health Insurance offers health insurance policies with a wide range of sum insured options to suit the varying needs of its customers. The health insurance policies offered by Royal Sundaram Health Insurance offers the following insurance coverage:
- Cashless hospitalisation at more than 3,000 network hospitals.
- Pre and post-hospitalisation expenses.
- 147 day-care procedures.
- Lifetime renewability option.
- Tax benefits on health insurance premiums under Section 80D of the Income Tax Act, 1961.
- Increased cover of up to additional 50% sum insured for hospitalisation as a result of an accident.
- Maternity expenses.
- Pre-existing disease cover with a 3-year waiting period.
- Get a cumulative bonus of 5-50% for every claim-free year.
- Get daily cash benefit to cover non-medical expenses during the period of hospitalisation. The insurer offers double cash benefit in the case of hospitalisation due to an accident and triple cash benefit in the case of admission to Intensive Care Unit (ICU).
Buy Health Insurance Online:
Health insurance policies offered by Royal Sundaram Health Insurance can be purchased online through the company website. You can get an instant quote on your chosen policy with a couple of minutes. A health insurance policy can be purchased online without the hassle of physical documentation process. The guide to buy health insurance online is as follows:
- Visit the Royal Sundaram Health Insurance portal. Go through the various features and benefits of the health insurance policies offered by the company.
- Choose a policy and click on 'Buy Now' tab.
- Enter details about the insured member, his or her dependents, and the sum insured.
- Choose the policy term, which is usually 1 or 2 years.
- The online premium calculator can be used to calculate the premium of your chosen health insurance policy.
- Make a note of the instant quote.
- Click on 'Proceed' to purchase the health insurance policy.
- Use net banking, credit card or debit card to pay the insurance premium online through the insurer's website.
- The policy documents will be sent to your email ID upon successful completion of the premium payment.
- The health insurance policy becomes effective once the payment is processed.
- Print the policy documents to keep a hard copy of your health insurance policy.
Royal Sundaram Health Insurance Renewal:
Renew your health insurance policy before the expiry date. If you have failed to renew it before or on the due date then renew it within the grace period to avoid policy lapse and losing out on policy benefits. Royal Sundaram Health Insurance policies can be renewed online through the insurer's website. Enter the policy number and expiry date to get your renewal notice. Pay the renewal premium online using net banking, credit card or debit card.
Royal Sundaram Health Insurance Policy Status:
Registered customers can log in to the Royal Sundaram Health Insurance website using their valid credentials to check their health insurance policy status.
Royal Sundaram Health Insurance Contact Number:
- Royal Sundaram Health Insurance Customer Service helpdesk number is 1860 425 0000
- For policy-related queries, you can mail to customer.services@royalsundaram.in.
- You can also make a service request like requesting a policy copy or policy cancellation by submitting an online form on the company website. You will receive a response in 2 working days.
- There is a ‘Call Back’ option wherein the customer can submit a call-back request on the company website and an insurance agent will call you back to resolve your query.
- Complaints can be registered on the company website.
- Claims can be intimated via phone or through insurer's website.
- A customer can engage in a live chat with an insurance agent regarding health insurance plans on the insurer's website.
Know More About: Royal Sundaram Health Insurance Customer Care Number
How to File a Health Insurance Claim with Royal Sundaram?
In the case of a planned hospitalisation, the insured member has to intimate Royal Sundaram 48 hours prior to admission or within 24 hours in the case of an emergency hospitalisation. 2 types of claims can be filed with Royal Sundaram:
- Cashless claim: Visit a network hospital the insurer and display your health card at the helpdesk. The hospital will verify your identity details and submit a pre-authorisation request to the TPA or insurer. Upon approval, the hospital will provide cashless treatment to the insured member and the insurer will settle the bill directly with the hospital. Upon rejection, the insured member can seek treatment and pay for the medical expenses out of his or her pocket, then make a reimbursement claim after discharge.
- Reimbursement claim: Submit a duly-filled reimbursement claim form along with the original medical documents to the insurer or TPA within 30 days of your discharge from the hospital. The insurer will approve or deny the claim as per the policy terms and conditions.
Incurred Claims Ratio of Royal Sundaram Health Insurance for the Year 2017-18
| Net Earned Premium (in Crore) | Net Claims Paid (in Crore) | Incurred Claims Ratio (in %) |
| Rs.251.76 crore | Rs.154.60 crore | 61.41% |
Also Read: How to File a Claim with Royal Sundaram?
Also Read: Best Health Insurance Plans
Royal Sundaram Health Insurance FAQs:
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Why should I choose a Royal Sundaram Health Insurance policy?
Some of the advantages of being insured by Royal Sundaram Health Insurance are:
- Minimal documentation and no requirement for pre-screening medical tests for customers up to 50 years of age.
- Coverage for pre-existing diseases after four years of continuous coverage under Royal Sundaram.
- More than 3000+ network hospitals to avail cashless facilities.
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What are the types of health insurance plans are provided by Royal Sundaram under health insurance?
There are 3 types of health insurance plans available for Royal Sundaram customers:
- Royal Sundaram Family Good Health Plan
- Royal Sundaram Smart Cash Plan
- Royal Sundaram Lifeline Health Insurance
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What is the difference between Cumulative Bonus and Indexation Benefit?
The major difference here is that Cumulative Bonus is applicable only in case of a claim-free year. Indexation Benefit, on the other hand, is irrespective of claims made during the year. There is no reversal of Indexation Benefit unlike Cumulative Bonus.
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What do you mean by Accident Hospitalization benefit?
The total insured sum is the maximum payable amount in case of hospitalization due to illness. However, hospitalization due to accidents are eligible for maximum cover of 150% of the insured amount.
In situations where your insured amount is exhausted due to hospitalization for treatment of illnesses, you will still have the excess 50% left for treatment emergency accidental injuries. This provides an added buffer towards unpredictable incidents.
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Are maternity benefits paid out by Royal Sundaram health insurance policies?
With the ‘Total Care Plus’ plan, policyholders can receive maternity benefit after 3 years of continuous premium payments. Maternity benefits are also available for ‘Lifeline’ customers, if both spouses are covered under this plan and have been paying premiums for 3 years. ‘Hospital Cash’ plans do not provide coverage for maternity-related expenses.
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Is it possible to get health insurance portability?
Customers can choose health insurance portability, which is the ability to change to a different insurance provider from Royal Sundaram, by applying for the same at least 45 days before next renewal date.
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What is the difference between Health Insurance and Hospital Cash?
Hospital Cash offers daily fixed benefits aimed at covering incidental expenses that normally don’t get covered by health insurance policies. As such, Hospital Cash is more of a supplementary plan to health plans.
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Can I buy Royal Sundaram Health Insurance policies online?
Yes, you can buy policies directly from the company’s website. You can also get quotes and proceed with buying at a later time at your convenience.
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When can i expect my pre-existing diseases to get covered?
Pre-existing diseases will be covered under health insurance policies from Royal Sundaram after 3 years of continuous premium payment.
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How to claim Royal Sundaram Health Insurance?
A claim intimation can be done by calling the customer service helpdesk number 1860 425 0000 or emailing to customer.services@royalsundaram.in. A claim form will be sent to you in 2 working days. Submit the duly-filled claim form along with the supporting documents. If the claim is approved, a cheque will be sent to you.
- Cashless claim procedure: Notify the insurer within 72 hours of planned hospitalisation and 24 hours of emergency hospitalisation. The network hospital has to send a pre-authorisation request form to the insurer. Third-Party Administrator (TPA) will verify the request and reply within 3 hours post receipt.
- Reimbursement claim procedure: Notify the insurer within 72 hours of planned hospitalisation and 24 hours of emergency hospitalisation. Send the duly-filled claim form and supporting documents within 30 days from the date of discharge to Royal Sundaram. The claim amount will be made to the proposer.
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How to renew Royal Sundaram Health Insurance?
For the online payment method, visit the insurer's website, enter the policy number and expiry date to get your renewal notice. Pay the renewal premium online using net banking, credit card or debit card. Upon successful payment, the policy will be renewed. For the offline method, visit the nearest bank branch to pay the renewal premium.
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How to check Royal Sundaram Health Insurance claim status?
Visit the insurer’s website, click on ‘Customer Service Request’ tab, select the product type, enter your policy number and personal details, and select ‘Claim Related’ service request to track your claim status. You can also call customer service helpdesk number 1860 425 0000 or email to customer.services@royalsundaram.in.
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How to log in to Royal Sundaram Health Insurance?
Registered customers can log in to the insurer's website by entering their email ID and password.
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How to cancel Royal Sundaram Health Insurance policy?
Visit the insurer’s website, click on ‘Customer Service Request’ tab, select the product type, enter your policy number and personal details, and select ‘policy cancellation’ service request. You can also call customer service helpdesk number 1860 425 0000 or email to customer.services@royalsundaram.in.
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What is the toll-free number for Royal Sundaram Health Insurance?
Royal Sundaram Health Insurance Customer Service helpdesk number is 1860 425 0000.
Examples of Network Hospitals in Major Cities:
| CITY | NAME OF HOSPITAL |
| DELHI | J P MEMORIAL HOSPITAL |
| MUMBAI | NATIONAL HOSPITAL & ICCU |
| KOLKATA | TATA MEDICAL CENTER |
| BANGALORE | CHAITANYA HOSPITAL |
| CHENNAI | LAXMI HOSPITAL |
