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  • Royal Sundaram Health Insurance

    Royal Sundaram Health Insurance
     4.0 / 5.0   by 82 users
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    Cashless Treatment

    Customer Service

    Medical Coverage

    Claim Experience

    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.


    Royal Sundaram Health Insurance at a Glance

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    Coverage for your most loved ones

    Total members covered

    Coverage for a maximum of 5 family members

    You get a choice of coverage tenure

    Pre and Post Hospitalization cover

    Medical expenses covered for 30 days before your hospitalization and 60 days for post hospitalization for related medical expenses

    The next best thing to having a doc in the family

    Health Check-ups

    Reimbursement of expenses, subject to a maximum of Rs.750/- per Insured Person, towards Master Health Check up for the Insured Person, after each 4 consecutive claim free years of the policy

    * For a family health cover product.

    Critical Factors of the Plan

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    Not a paisa goes from your own pocket!

    Co-Pay

    No Co-pay

    You?re covered for any future medical expenses

    Life long renewable

    Plans are lifelong renewable and covers you for your entire lifetime.

    Get essential cover for existing ailments

    Pre-existing Diseases

    Any pre-existing condition will be covered after a waiting period of 3 year

    Hospital room rent determines your treatment bill

    Room Rent

    Non ICU- 2% of Sum Insured, ICU- 4% of Sum Insured

    *These Features may be included as part of different products and are subject to the insurer's terms & conditions.

    Additional Features of Royal Sundaram Health Insurance

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    Good health offers multiple rewards

    Get Cumulative bonus for every claim free years from 5% up to 50 %

    The world is your healthcare oyster

    Cashless hospitalization at over 3000+ network hospitals

    *These add-ons may be included as part of different products and are subject to the insurer's terms & conditions.

    Royal Sundaram Health Insurance Plans

    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 policies:

    1. Family Good Health
    2. Smart Cash Plan
    3. Lifeline Health Insurance

    Family Good Health

    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 Royal Sundaram General Insurance 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.

    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.


    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.

    Royal Sundaram Health Insurance FAQs

    1. Why should I choose a Royal Sundaram Health Insurance policy?
    2. 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.
    3. What are the types of health insurance plans are provided by Royal Sundaram under health insurance?
    4. There are 3 types of health insurance plans available for Royal Sundaram customers:

      • Lifeline Insurance Plan
      • Smart Cash Insurance
      • Family Good Health Policy
    5. What is the difference between Cumulative Bonus and Indexation Benefit?
    6. 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.

    7. What do you mean by Accident Hospitalization benefit?
    8. 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.

    9. Are maternity benefits paid out by Royal Sundaram health insurance policies?
    10. 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.

    11. Is it possible to get health insurance portability?
    12. 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.

    13. What is the difference between Health Insurance and Hospital Cash?
    14. 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.

    15. Can I buy Royal Sundaram Health Insurance policies online?
    16. 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.


    17. When can i expect my pre-existing diseases to get covered?
    18. Pre-existing diseases will be covered under health insurance policies from Royal Sundaram after 3 years of continuous premium payment.

    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

    *Disclaimer - This is not an exhaustive list but an indicative representation of hospitals that form a part of the company's wider network.


    News About Royal Sundaram Health Insurance

    • Royal Sundaram General looking to increase business by 25%

      Royal Sundaram General has made a 5-year growth plan to increase their income that comes from home, accident, and health insurance by 25%. The company is also looking to increase the income that’s coming in from their commercial line of business like engineering, property, and marine segments to 20% from 12%. The private company had earned Rs.200 crore last year and is projected to rake in Rs.220 crore at the end of this financial year. Motor insurance has been a major contributor to this income by raking in close to 75%. Royal Sundaram General has close to 20 products to offer and are now planning on bringing this number down to 10. This move is being made to make the products offered to make them more comprehensive.

      18th January, 2017

    • StanChart customers get new health insurance product from Royal Sundaram

      Standard Chartered Bank customers get a Royal Sundaram flagship health insurance product through bancassurance channel. Royal Sundaram is leveraging its partnership by offering a highly customisable lifeline suit health insurance product set with global benchmark and an exhaustive product knowledge to the corporate and retail customers of Standard Chartered bank. The cover has three sub plans that are Classic, Elite and Supreme with various benefits and premiums. The product will also cover the cost of taking second opinions of 11 critical illnesses.

      13th January, 2016

    • RSA Offloads Stake in Royal Sundaram Insurance

      At a time when most foreign insurance players are either trying to enter or enhance stakes in the Indian insurance market, RSA Group of UK has decided to sell its share in Royal Sundaram Alliance Insurance Co. Post RSA’s exit, Sundaram Finance will become the whole owner of the general insurance venture. RSA Group will receive Rs.450 crores for the sale of its entire holding i.e. 26% on completion of the transaction.


      With the ordinance to raise FDI limits in the Indian insurance industry from 26% to 49% set to be ratified by the Parliament, more foreign participation was expected. Industry observers report many foreign players already having initiated discussions with the IRDAI (Insurance Regulatory and Development Authority of India) to invest in Indian insurance companies as a result of the ordinance. RSA Group’s exit is contrary to this trend. However, the company has explained its exit as part of its overall corporate strategy to strengthen focus on its core markets by divesting its position in non-core markets like India.


      RSA Group and Sundaram Finance have been partners in Royal Sundaram Alliance Insurance Co. for 15 years. The insurance joint venture pioneered private insurance in India when it began operations in the year 2000 and has since established itself as a leader with an extensive reach in over 180 cities in India.


      23rd February 2015

    Royal Sundaram Health Insurance Reviews

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    • Royal Sundaram Health Insurance
      "Good customer service. "
      0.5 5.0/5 "Blown Away!"
      Recently enrolled in Royal sundrams plan and received good customer service and also good deal and the representative was knowledgeble and informed all the details and also explained all the details. Hope there is no issue in future and things go smooth.
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 23, 2017
    • Royal Sundaram Health Insurance
      "Claim Related query"
      0.5 2.0/5 "Expected more"
      I have royal sundram policy. I admitted for AGE illness. My claim is rejected by Royal sundram. given reason this case does not require hospitalization. After reject my claim by royalsunderam i apply my secound insurance company Bharti axa The bharti axa settel my claim 100%.
      Was this review helpful? 1
      , mumbai
      Reviewed on Jan 12, 2017
    • Royal Sundaram Health Insurance
      "Very bad... Not covering acute diseases.... Disaster"
      0.5 0.5/5 "Unacceptable"
      Royal sundaram group.. This side Dr Amrish cardiac surgeon paras gurgaon Myself has acute chest pain wct angio revealed single vessel disease which neeeds angio with +_ ptca.. My policy number HCE0027323 I was told that this is emergency... Its not congenital.... It means i have to wait till 2 yrs with chest pain as said by tpa team As myself cardiac surgeon its very disapointed from royal sundaram that they denied.. As i was previously starhealth from 3 yrs but u guys agreed me to take ur insurance.. But from today onwards i will not going to renew it and not going to refer to any of my patients as im in this field 12 yrs Dr Amrish kumar Cosultant Ctvs surgeon Paras gurgaon
      Was this review helpful? 1
      , new delhi
      Reviewed on Dec 05, 2016
    • Royal Sundaram Health Insurance
      "Good coverage "
      0.5 5.0/5 "Blown Away!"
      Its fantastic service offered from royal sundaram related to the health Insurance category.They are punctual in service offered.I get 4lakhs as the medical coverage.I may recommend the service to future customer about Royal sundaram service.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jul 05, 2016
    • Royal Sundaram Health Insurance
      "Claim process needs to be quicker"
      0.5 1.0/5 "Really Bad"
      I do have a Mediclaim or Health insurance with Royal Sundaram for which I pay a premium of Rs.25k on a yearly basis. I make my payments online due to its convenience. It covers hospitalisation and bed charges if hospitalised for min 24 hours and provides cashless benefits with their network hospitals. The cover is Rs.3 Lakh and I had the experience of making a claim once and it was a tedious process of getting it reimbursed and almost took 3 months. They need to improvise on their manpower as well as processing.
      Was this review helpful? 1
      , gurgaon
      Reviewed on Jun 03, 2016
    • Royal Sundaram Health Insurance
      "Outstanding!!!"
      0.5 5.0/5 "Blown Away!"
      I have health insurance from royal sundram. Medical coverage offered is for 5 lakhs. Cashless treatment is available. Pre and post hospitalization is covered. No claim bonus is also given. Maternity is also been covered. Pre existing is covered after two years. Most of the top hospitals are been covered..
      Was this review helpful? 4
      , chennai
      Reviewed on Apr 15, 2016
    • Royal Sundaram Health Insurance
      "Good experience"
      0.5 5.0/5 "Blown Away!"
      I have a Medical Insurance with Royal Sundaram. Its a medical Insurance policy that covers critical illness and the usual benefits of a medical policy like hospitalisation etc. I took it 2 years back and I pay the premiums on a yearly basis through online payments.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 28, 2016
    • Royal Sundaram Health Insurance
      "Completely ethical..."
      0.5 5.0/5 "Blown Away!"
      So far I have not gone for reimbursement but they send me the reminders and that is important for health insurance. Easy payment as I pay via debit card and later the Royal Sundaram mail the kit to my mailing address. Much impressed as they stick on to their principles and they are very strict. I get all answers if I call them.
      Was this review helpful? 1
      , coimbatore
      Reviewed on Mar 07, 2016
    • Royal Sundaram Health Insurance
      "Satisfied..."
      0.5 3.0/5 "Satisfactory"
      Made two claims one is for cataract for my father and another is for kidney stone. As this health insurance is from my company side so all the things are covered. Parents are covered by default if the policy holder is unmarried. For ICU they are paying only 1800 per day as atleast they have to give 5 to 6k. Second thing even for implants and some products Royal Sundaram recommending for sub standard quality.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Mar 02, 2016
    • Royal Sundaram Health Insurance
      "Policy is good..."
      0.5 3.0/5 "Satisfactory"
      Hospital coverage is provided by the Royal Sundaram general insurance. Before taking the plan they asked whether I have any existing diseases and they are not cover that pre existing disease. I taken the plan but have not interacted with them. Everything is going smooth so far.
      Was this review helpful? 0
      , chennai
      Reviewed on Feb 27, 2016
    • Royal Sundaram Health Insurance
      "It is good...."
      0.5 3.0/5 "Satisfactory"
      Royal Sundaram has provided a medical card with worth of two lakhs where I can use that card in most of the hospitals. If I could not use the card I can claim for reimbursement. Customer executives explained everything clearly. In case of any medical emergency I can claim via my company as this is a corporate health insurance.
      Was this review helpful? 0
      , mumbai
      Reviewed on Feb 17, 2016
    • Royal Sundaram Health Insurance
      "Good coverage "
      0.5 5.0/5 "Blown Away!"
      I have taken medical coverage for whole family from Royal Sundaram. The TPA is bad with the hospital because they do not make the settlement on time by which customers are not getting the cashless treatment facility it was my personal experience. They should improve the TPA services. But the medical coverage is very good because in other companies which coverage is not given in the second year is covered in royal sundaram.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Feb 02, 2016
    • Royal Sundaram Health Insurance
      "The best package..."
      0.5 4.0/5 "Great!"
      Not really too much of things but the things that available at that time was the best in regards to health insurance. Overall the full package of the health insurance with Royal Sundaram is the best option for me. Premium is moderate. Both health insurance and accidental insurance can be clubbed together and this is my suggestion.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jan 16, 2016
    • Royal Sundaram Health Insurance
      "Better"
      0.5 4.0/5 "Great!"
      I do have the health insurance policy with the Royal sundaram general insurance company and am having it from the last eight years of time. The services are quite good and I am paying around 12000 Rupees as the premium for four person. The coverage value is around 2.5 lakh Rupees for each person.
      Was this review helpful? 1
      , lucknow
      Reviewed on Jan 11, 2016
    • Royal Sundaram Health Insurance
      "Good"
      0.5 3.0/5 "Satisfactory"
      I am having the health insurance policy with the Royal sundaram general insurance and am having it from the last three years of time. The services are good with them and the advantages like they are having tie ups with the hospital . As of now I have not experienced any claims with them and it will cover only me.
      Was this review helpful? 0
      , pune
      Reviewed on Dec 28, 2015
    • Royal Sundaram Health Insurance
      "Good coverage "
      0.5 4.0/5 "Great!"
      I have taken a health insurance with royal sundaram for my parents.I have to pay a premium around 17500Rs for the Insurance which can be made two years once.They have provided a coverage around 3lakhs for my father and 2lakhs for my mother.They have many hospitals covered in the Insurance.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 23, 2015
    • Royal Sundaram Health Insurance
      "Good plan "
      0.5 4.5/5 "Excellent!"
      Royal sundaram is giving medical coverage to the family members in one premium. They have cashless treatment facility only on the selected hospitals. But pre existing is not been covered. Premium charged is affordable for all.
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 22, 2015
    • Royal Sundaram Health Insurance
      "Easy to go ahead"
      0.5 5.0/5 "Blown Away!"
      I have taken the Royal sundaram health insurance policy because I got the SBI card which has been tie up with them. The premium is around 5200 Rupees per year of time and the total medical coverage is around 2 lakh Rupees for my immediate family. I dint have any claims with them and the successful claim ratio might be around 90%. The first premium can be done through credit card itself.
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 21, 2015
    • Royal Sundaram Health Insurance
      "Excellent Services"
      0.5 4.0/5 "Great!"
      I have taken my health insurance from royal sundaram. The coverage is good from them. The coverage is for three lakhs. The services are very good. They inform me details when there is a query. They also send me reminders and contact me continuously.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Dec 12, 2015
    • Royal Sundaram Health Insurance
      "Good coverage "
      0.5 4.0/5 "Great!"
      I have to renew the Insurance every year with Royal Sundaram based on the health Insurance.The service provided was really good.They have provided coverage around 3Lakhs in this Insurance. They also have cashless treatment available in the Insurance
      Was this review helpful? 0
      , mumbai
      Reviewed on Dec 08, 2015
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