Royal Sundaram Medical Insurance is one of India’s leading health insurance providers, founded in 2000. With comprehensive coverage for critical illnesses and hospital cash, their comprehensive plans ensure that you remain financially secure during otherwise uncertain and medically compromised times. This continues placing them at the forefront of India’s booming insurance industry.

Royal Sundaram Health maintains a 77.23% claim settlement ratio across 5000+ network hospitals. They cater to 4.5 million customers all over India with their 2000 employees and 150 branches. Over the years, the Royal Sundaram Health Insurance plans have gained a lot of recognition for being increasingly innovative in the insurance industry.

The Range of Royal Sundaram Health Insurance plans are:

• Royal Sundaram Ace Health Advantage Insurance
• Royal Sundaram Critical Illness Lumpsum Health Insurance
• Royal Sundaram Family Plus Health Insurance
• Royal Sundaram Health Forever Insurance
• Royal Sundaram Lifeline Health Insurance
• Royal Sundaram Smart Cash Health Insurance

Let’s take a closer look at the various Royal Sundaram policy details.

Royal Sundaram Family Plus Health Insurance

• Entry Age: 91 days onwards (policyholder needs to be 18+ years old; no maximum age)
• Reinstating Sum Insured: Once in a policy term.
• Sum Insured: Rs.3-50 lakhs (maximum: Rs.15 lakhs for individual basis)
• Pre and Post-Hospitalisation: 60 and 90 days, respectively

Other benefits:

• Coverage for AYUSH treatments up to Rs. 30,000
• Maternity and newborn expenses covered up to Rs. 50,000 and the base SI of the mother, respectively.
• Ambulance Coverage: Up to Rs. 4000 per hospitalisation for every family member

Royal Sundaram Lifeline Health Insurance

• Entry Age: Minimum 18; no maximum.
• Policy Term: 1-3 years
• Sum Insured: Rs.2-4 lakhs (Classic); Rs.5-50 lakhs (Supreme); Rs.25 lakhs – 1.5crore (Elite)
• Pre and Post-Hospitalisation: 30 and 60 days (Classic); 60 and 90 days (Supreme); 60 and 180 days (Elite)

Other benefits:

• Ambulance Coverage: Rs.3000 (Classic); Rs.5000 (Supreme); Rs.10,000 (Elite)
• Hospital Cash: Rs. 1000 (Classic); Rs.2000 (Supreme); Rs.5000 (Elite)
• Animal Bite Vaccination Coverage: Rs.2500 (Classic); Rs.5000 (Supreme); Rs.7500 (Elite)
• Maternity Expenses: Rs.2-2.5 lakhs (depending on Sum Insured; only available for Elite)

Royal Sundaram Smart Cash Health Insurance

• Entry Age: 91 days minimum
• Policy Term: 1-3 years
• Sum Insured: Rs.500-10,000
• Coverage Period: 180 days of hospitalisation.

Other benefits:

• Accidental hospitalisation benefit
• Convalescence benefit
• Critical illness benefit

The Advantages of Choosing a Royal Sundaram Mediclaim Policy

Every Royal Sundaram policy continues getting a lot of attention and excellent reviews. Seeing the multitude of benefits RoyalSundaram Insurance has makes this attention understandable. Their innovation and complete coverage ensure that they stand out as health insurance providers in India.

• The number of Royal Sundaram Health Insurance network hospitals treat a large number of the population through cashless transactions.
• Royal Sundaram Health Insurance policies give you a free health checkup after 4 claim-free years.
• Every health plan offers individual and family floater options with an exhaustive coverage of critical illnesses, daycare treatments, hospital cash and other such benefits. This ensures that you and your family stay well-protected under their healthcare plans.
• You can also get maternity coverage and newborn cover (including vaccinations) under these plans.
• Cumulative bonuses up to 50% of the Sum Insured and reinstatement of the Sum Insured continue being major draw-ins for prospective buyers as benefits you can avail from Royal Sundaram.
• All premiums you pay while renewing your Royal Sundaram Mediclaim Policy are deductible under Section 80(D) of the Income Tax Act.

How to Buy Royal Sundaram Health Insurance Plans

Like most health insurance plans, you can either buy your Royal Sundaram Health Insurance online or offline.

Online Process:

• Visit cover360.in and go to the “Health Insurance” tab.
• Enter the cover amount and the necessary details. Then click on Continue.
• You will receive a quote and a list of plans.
• Choose a Royal Sundaram plan of your choice from the list and buy it.

Offline Process:

• Visit the nearest Royal Sundaram general insurance branch.
• Fill out an application form for the plan you want with the necessary details.
• The insurer will keep you apprised as your application processes.
• Once confirmed, you will receive your policy document.

Having all the necessary documents to purchase your insurance policy matters. Also discerning which policy would more benefit you is crucial. Cover360 helps on both these fronts, ensuring that you are buying a plan with genuinely comprehensive coverage, so you get maximum benefits through your policy.

Royal Sundaram Mediclaim Policy Claim Process

With a claim settlement ratio of 77.32%, Royal Sundaram shows their diligence in processing claims from their in-house claim teams. The international availability of their plans also gives their coverage another dimension. Therefore, when filing a claim, it may be cashless, reimbursement, or cashless international-based. Choose the right option so that you get the financial coverage you deserve.

Cashless Claims:

• Intimate the insurer within 24 hours of unplanned hospitalisation and 72 hours before hospitalisation when planned.
• Submit the cashless claim form with the necessary documents to the Royal Sundaram claim team. They will analyse and approve your claim accordingly.
• Upon approval, you do not need to worry about any medical bills. Royal Sundaram deals directly with the network hospital while you just have to cover any exclusions.
• In case of rejection, you can apply for a reimbursement claim.

Reimbursement Claims:

• Submit the reimbursement claim form within 30 days from discharge.
• Ensure you have all the necessary documents to submit your claim form.
• If there is document deficiency, Royal Sundaram will reject your claim.
• If approved, you will receive the reimbursement within 30 days.

Cashless International Claims

• Inform Royal Sundaram within 24 hours of hospitalisation.
• A service provider will verify your eligibility for making a claim through a phone call.
• After the pre-authorisation form is submitted, Royal Sundaram will contact the hospital to inform them of approval or denial.
• If approved, they will deal directly with the hospital and settle all your expenses.

You can avail Cover360’s 24/7 customer service if you have any questions regarding the claim procedure and documents required.

Royal Sundaram Health Insurance Renewal Process

• Visit cover360.in and go to our renewal page
• Enter the details asked
• You will be taken to the Royal Sundaram website to complete the renewal process
• Alternatively, go directly to the Royal Sundaram website and renew your policy online.
• Click on “Insta Renew" and submit the necessary details required.
• Check your policy number, dates and premium.
• Make the premium payment through any preferred method.
• You will receive your renewed policy document on your registered email ID.

Contact Cover360 and let us help you choose the perfect health insurance plan for your needs! We take your budget, medical history, work environment etc. into account and match you with policies that offer comprehensive coverage against the illnesses you are most susceptible to. So reach out to us today and let us guide you towards having a safer, more secure life!