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  • Royal Sundaram Travel Insurance

    Royal Sundaram Travel Insurance

    Overview:

    The situation for globetrotters have never been questionable than it is now. Volcanic ash clouds resulting in closing down umpteen airports in Europe, political turmoil in Thailand and Jamaica, fiscal conflicts in Greece, an oil spill putting people’s vacations in the Gulf of Mexico and many more.

    Is there a direct relation of these incidents to dramatic upsurge in insurance sales among travelers? Travel is to unwind and you cannot put a price on peace of mind. Royal Sundaram Insurance Pvt Ltd is one firm reputed for providing customized travel covers for the masses.

    Please check out the information below to know anything and everything about Royal Sundaram Travel Insurance.

    Key Features & Benefits of Royal Sundaram Travel Insurance:

    • Instant online policy approval in less than 5 minutes with zero paperwork or medical tests.
    • Round-the-clock customer service helpline as well as facility for online chatting with a representative with an ISO licensed Claims Procedure System.
    • Medical Assistance includes advice over phone, doctor/ hospital referral, arranging hospital admission, settling of bills, arranging for emergency repatriation if needed and more. Your medical costs would be covered for two month

    Types of travel insurance policies offered by Royal Sundaram:

    1. Single Trip Travel Insurance

    2. Multi Trip Travel Insurance

    Royal Sundaram Single Trip Travel Insurance :

    This policy’s tenure begins from the minute you board your flight for your tour and ends on the day you come back to India, the duration for which the premium has been paid or the expiry date as specified in the policy. The maximum extent of the insurance cover is six months.

    Royal Sundaram Multi Trip Travel Insurance :

    As the name suggests, this policy is available for a duration of one year. You are allowed to traverse overseas as many times as you want in this one year, but one trip should not last for more than 45 days. Also, the total number of days you stayed out of country should not be more than 180 days.

    Royal Sundaram Travel Insurance Eligibility Criteria:

    Infants who are more than 3 months old and grown-ups no more than age 70 can purchase a Royal Sundaram Travel Insurance for their international journeys. Of course this doesn’t count travelling for education or immigration purpose.

    Royal Sundaram Travel Insurance Covers:

    1. Health & Medical Protection:
      • All medical and hospital costs of up to 1.5 lac USD incurring abroad.
      • Insures against unanticipated emergency surgical treatment, diagnostic tests (such as blood tests, X-Ray, scans etc.), and doctors’ fees.
      • Emergency and crucial dental treatments.
      • Expenses required for any kind of transportation related to medical emergency like repatriation.
    2. Covers Possible Inconvenience When Travelling:
      • Delay/ loss of luggage after checking – Refund to cover emergency buying of clothes, basic toiletries up to the specified limit as per the policy. In case of delayed baggage, it is applicable only it is late by more than 12 hours.
      • Protection against loss of important travel papers like passport, visa docs and ID proofs by reimbursing the costs incurred due to the event as specified in the plan and by assisting in procuring duplicate documents.
      • Payment for hijack distress is also granted under this insurance.
    3. Automatic postponement:
      • The tenure of insurance is automatically postponed by 1 week from the expiry day if the return trip is delayed without warning.
    4. Individual liability:
      • In the event of legal hassles abroad like becoming a legal liability to a Third Party when in another country, you will be covered up to USD 2 lacs.
    5. Personal accident:
      • If the insured is involved in any accident overseas resulting in death or incapacitation (partial or permanent), RS Travel Insurance will cover that.
    6. House Insurance:
      • You can protect your home in India for up to INR 2 lacs against burglary, fire mishaps, and other calamities while you are travelling.
    7. Sending home of remains:
      • In the event of demise of the insurance holder, costs for the transference of mortal remains back to India will be borne by the company.

    Royal Sundaram Travel Insurance Policy Exclusions:

      • Claims due to pre-existing illnesses
      • Pregnancy-related problems
      • Any medical costs occurred because the insured was intoxicated
      • Treatment that could wait until the insurance holder reaches back India
      • Any expenses due to mental health or psychiatric disorders
      • Accidents occurred due to participation in dangerous sports or activities
      • Suicide, self-harm, and self-endangerment

    Royal Sundaram Travel Insurance Covers and Allowances:

    Covers

    Multi Trip

    Single Trip

    Deductibles

    International Health Cover

    1 lac USD

    1.5 lac USD

    25,000 USD

    50,000 USD

    1 lac USD

    1.5 lac USD

    100 USD

    Emergency Dental Cure

    400 USD

    400 USD

    300 USD

    300 USD

    400 USD

    400 USD

    150 USD

    Deportation of remains

    7500 USD

    7500 USD

    7500 USD

    7500 USD

    7500 USD

    7500 USD

    Nil

    Daily Allowance for Hospital (after 3 days)

    15/day (up to 150 USD)

    15/day (up to 150 USD)

    NA

    NA

    NA

    NA

    3 days

    Accidental Demise & Disability occurred in 1 Day

    25000 USD

    25000 USD

    5000 USD

    10000 USD

    15000 USD

    15000 USD

    Nil

    Luggage Loss (after checking in)

    1000 USD

    1000 USD

    250 USD

    500 USD

    1000 USD

    1000 USD

    Nil

    Late Luggage (Post 12 hours)

    100 USD

    100 USD

    50 USD

    50 USD

    100 USD

    100 USD

    12 hours

    If Passport/ Visa Lost

    250 USD

    250 USD

    250 USD

    250 USD

    250 USD

    250 USD

    30 USD

    Postponed Trip (After 12 hours)

    10 USD/ 12 hours

    10 USD/ 12 hours

    NA

    NA

    10 USD/ 12 hours

    10 USD/ 12 hours

    12 hours

    Up to 100 USD

    Up to 100 USD

       

    Up to 100 USD

    Up to 100 USD

    Steps in buying an Royal Sundaram Travel Insurance Online:

      • Go to Royal Sundaram official website and click on the Travel Insurance Quote link.
      • It will redirect you to a safe webpage to purchase a preferred plan.
      • Enter your personal info and it will take you to another page in which you must enter the required trip details and duration.
      • This way it is easier to calculate premiums and display that quote to you.
      • Click on ‘Proceed’ to continue and note down the Quote ID, which will help you continue policy shopping later.
      • Next, it is the ‘Additional Information’ page, where you have to provide your Passport Number, health history, and information about nominee.
      • Once your address is entered and payment is done, everything regarding the policy will be dispatched to that address. A soft copy will be sent to your email instantly.
      • Get it printed, sit back and enjoy the perks of Royal Sundaram Travel Shield Policyholder!

    Royal Sundaram Travel Insurance Claim Process:

    1. Claims process for Health Cover (Cashless Benefit)
      • Get in touch with Paramount's Alarm Centre or its Assistance Co-operation Partners via Paramount Alarm Centre to notify the company about hospitalization.
      • Give your Policy No. and Passport No. for verification.
      • Submit copy of policy to the doctor or at the hospital, if asked to.
      • The company will communicate with the hospital authorities for reports and other documents to start the cashless treatment.
    2. Claims process for Health Cover (Refund)
      • Get in touch with Paramount's Alarm Centre or its Assistance Co-operation Partners via Paramount Alarm Centre to notify the company about hospitalization.
      • Give your Policy No. and Passport No. for authentication.
      • Send the duly-filled Claim Form in one month after treatment along with the original discharge sheet, bills, test reports and police reports in case of accident.
      • In the unfortunate event of death of the insured, we request you to furnish the Death Certificate, along with the Claim Form and other documents.
      • If your claim is accepted, you will be sent a cheque.
    3. Claims process for Luggage Loss or Delay
      • Get in touch with Paramount's Alarm Centre or its Assistance Co-operation Partners via Paramount Alarm Centre to notify the company about the incident.
      • Give your Policy No. and Passport No. to verify details.
      • Send the duly-filled Claim Form along with your Boarding Pass or luggage ticket, report of irregularity in handling property and list of lost belongings. If the items are costlier than 100 USD, some kind of proof is needed.
      • Documents from the specific Airlines agreeing about the incident.
    4. Claims procedure for personal accident
      • Get in touch with Paramount's Alarm Centre or its Assistance Co-operation Partners via Paramount Alarm Centre to notify the company about the incident.
      • Give your Policy No. and Passport No. to verify details.
      • Send the duly-filled Claim Form along with FIR, discharge sheet, all test reports, and news report if any within 30 days after treatment.
      • In case of accidental death, you must send Death Certificate, Autopsy Report and Legal Heir Document.
      • Once the claim is accepted, you will be mailed a cheque.

    Royal Sundaram Travel Insurance FAQs:

    1. How does Single Trip differ from Multi Trip?

      In Single Trip, you can go international travelling once, which starts from the moment you board the flight to your destination and automatically ends upon returning.

      But in Multi Trip, there is no limit on the number of journeys and is available throughout the year. One single tour cannot exceed more than 1 year and your overall days out of India should not be more than 180 days.

    2. How is the cover duration decided?

      For Multi Trip, you can pick the commencing period. But coverage per each journey is either 1 month or 45 days as per policy chosen by you.

    3. What is Personal Liability?

      Personal Liability is when you accidentally or unpredictably hurt a third party physically (accident or damage to property), you are legally accountable to compensate the other person.

    4. How do I decide on a suitable plan?

      Keep in mind the below criteria when deciding on an RS travel insurance policy.

      • Destination- Safety, connectivity and risk factors.
      • Healthcare in that city- How good is the healthcare system there and how costly it is.
      • Your age and health – Those above 60 might need a policy with higher medical and hospital cover.
      • Weather – Bad weather equals delayed flights and other inconveniences.
    5. Would having a Royal Sundaram Health Shield Policy exempt me from travel insurance requirement to go abroad?

      No, Royal Sundaram Health Shield Policy can be used only in India.

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