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  • Royal Sundaram Health Insurance

     4.0 / 5.0   by 93 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.

    From basic individual health insurance cover to specialist medical insurance plans, 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 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 Highlights Updated on 20 Oct 2017

    Features Specifications
    Network Hospitals 3000+
    Waiting Period for Pre-existing Disease 3 years
    Incurred Claims Ratio 58.57%
    Number of Policies Issued 181827
    Grievances Solved 99.16%
    Renewability Lifetime

    *For Year 2015-2016

    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 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.

    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 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.

    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 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.

    19. How to claim Royal Sundaram Health Insurance?
    20. 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.
    21. How to renew Royal Sundaram Health Insurance?
    22. 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.

    23. How to check Royal Sundaram Health Insurance claim status?
    24. 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.

    25. How to log in to Royal Sundaram Health Insurance?
    26. Registered customers can log in to the insurer's website by entering their email ID and password.

    27. How to cancel Royal Sundaram Health Insurance policy?
    28. 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.

    29. What is the toll-free number for Royal Sundaram Health Insurance?
    30. 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

    *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

    GST rate of 18% applicable for all financial services effective July 1, 2017.

    Disclaimer: Premiums may vary depending upon factors like age, location and prevailing taxes/GST.

    Royal Sundaram Health Insurance Reviews

  • Page 1 of 5 1 2 3 4 5
    • Royal Sundaram Health Insurance
      "Very good"
      0.5 5.0/5 "Blown Away!"
      I have chosen Royal Sundaram for my health insurance policy. They are doing good customer service and compared to other insurance companies cost is low and with the same policy coverage. I am very much happy with them so I would like to rate 5 out of 5 as overall.
      Was this review helpful? 0
      , chennai
      Reviewed on Oct 13, 2017
    • Royal Sundaram Health Insurance
      "Not happy with the service"
      0.5 2.5/5 "Just OK"
      I opened a health insurance policy in royal Sundaram in July 2017. 3 months over but till now I have not received my health policy documents. I gave complaint in customer care & they told they will send it again. I waited for one more month but I didn't receive it. I have given complaint almost 4 times. For calling customer care also they will charge Rs2 per minute.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 11, 2017
    • Royal Sundaram Health Insurance
      "Good coverage"
      0.5 5.0/5 "Blown Away!"
      I have a royal sundaram general insurance.I get a health coverage of 10-20lakhs,Best insurance to hold for future benefits. Payment can done through credit card or patym but i frequently use Patym as my payment option.I suggest to take a sundarm insurance to my near ones because i get benefited out it.customer service is satisfactory.
      Was this review helpful? 0
      , bhopal
      Reviewed on Oct 11, 2017
    • Royal Sundaram Health Insurance
      "Good Health Insurance"
      0.5 5.0/5 "Blown Away!"
      Royal Sundaram is a largest insurance company, I jointed in 2005. I have a claim experience, my wife admitted in Ramachandra hospital at the time Royal Sundaram allocated Rs.75,000 for treatment, they gave me cash less treatment its good. I paid the premium of Rs.16,700 it covers my entire family.
      Was this review helpful? 0
      , chennai
      Reviewed on Oct 06, 2017
    • Royal Sundaram Health Insurance
      "good service"
      0.5 3.5/5 "Pretty good"
      Service is very good from ROYAL SUNDARAM was very good , I have not claimed any amount till now. The documentation part was fine with their helpful and responsible representatives of ROYAL SUNDARAM . I don't have much idea about their service much still till now it was a very good service from ROYAL SUNDARAM.
      Was this review helpful? 0
      , bhubaneshwar
      Reviewed on Sep 29, 2017
    • Royal Sundaram Health Insurance
      "Better Policy to use"
      0.5 4.0/5 "Great!"
      I got the Car insurance policy with Royal Sundaram around 2 ago. I paid Rs.10,000 to renew the policy this year. The customer service is good with royal . I never had any claim experience with Royal sundaram . The cash less option is available with this policy.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Aug 23, 2017
    • Royal Sundaram Health Insurance
      "Very good health Policy"
      0.5 5.0/5 "Blown Away!"
      Having the Health insurance with Royal sundaram general insurance health insurance for more than 4 years. I pay Rs.10,000 to renew the policy every year. This policy covers 3 members which is myself ,my spouse and my son. I had claim experience with this policy. I got the claim amount in a month time. I am satisfied holding the Health insurance policy with Royal Sundaram.
      Was this review helpful? 0
      , mysore
      Reviewed on Aug 23, 2017
    • Royal Sundaram Health Insurance
      "Good policy"
      0.5 4.0/5 "Great!"
      I have received a Health Insurance policy from Royal Sundaram general insurance very recently. This policy covers myself and my spouse. This policy was made top up with the amount of Rs.18,000, Every year I need to renew this policy . The plan benefits and the coverage's are good with the policy. I never had any claim experience so far,
      Was this review helpful? 0
      , vadodara
      Reviewed on Aug 11, 2017
    • Royal Sundaram Health Insurance
      "No benefit from Royal sundaram "
      0.5 1.0/5 "Really Bad"
      I have policy of health insurance since Sept 2016 with SBI card of Rs.3lac My wife was getting Abdominal pain and I have to admitted in hospital and found Acute Gastritis problem.when we claim after discharge from hospital ,royal sundaram rejected my claim and said it is preexisting disease .According Doctor it is not chronic disease .I would like to case in consumer forum and will cancel my policy.and I will not suggested for Royal sundaram. Regards Vivek Kumar Policy no-HSAA033532 9810546957
      Was this review helpful? 0
      , gurgaon
      Reviewed on Jun 15, 2017
    • Royal Sundaram Health Insurance
      "Excellent safe policy"
      0.5 5.0/5 "Blown Away!"
      I am an account holder of SBI, they have suggested Royal Sundaram health insurance. For me they told pay the premium of Rs.2000 for Rs.3 lakhs medical cover or else premium would be Rs. 4000 to 4500 for 3 lakhs for other users. I have been their service for six years, so every year they adding some bonus in the policy.
      Was this review helpful? 0
      , vizianagaram
      Reviewed on Jun 03, 2017
    • Royal Sundaram Health Insurance
      "Okay"
      0.5 3.5/5 "Pretty good"
      I am having health insurance policy with the Royal sundaram general insurance company and the coverage value is around 3 lakh Rupees and the response is fine one with them. I have not faced any issues with them and the claims are nil with them. The coverage value will be applicable for two members.
      Was this review helpful? 1
      , ahmedabad
      Reviewed on May 24, 2017
    • 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
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