Royal Sundaram Health Insurance Claim Settlement

If your claim request for cashless hospitalisation is not approved, or if you avail treatment at a non-network hospital, then need not worry. You can later claim for reimbursement for the expenses incurred. Follow these guides:

• Inform the health insurance company within 72 hours of planned hospitalisation. However, the insurer must be notified within 24 hours of hospitalisation in case of emergency hospitalisation. 
• Submit the duly filled claim form and relevant documents to Royal Sundaram within 30 days from the discharge date. 
• The insurer will verify your request and decide to accept or deny it as per the terms and conditions mentioned in the policy.
• The proposer will be reimbursed with the expenses incurred during hospitalisation through a cheque.

The documents mentioned below must be sent at the health insurance claim office of Royal Sundaram Health Insurance.  

• Original investigation reports
• Final hospital discharge summary
• FIR or post-mortem report if happened
• Pharmacy bills along with the prescription
• Original bills, receipts, and discharge report
• Indoor case papers and duly-filled claim form
• Canceled cheque or NEFT details for payment
• Original hospital bills and a valid photo ID proof
• Treating doctor's report, and original consultation notes
• Nature of operation performed and surgeon's bill and receipt
• Test reports along with attending doctor’s or surgeon’s report

ICR or Incurred Claim Ratio is the net claims paid by an insurer as against the net premium earned. The ratio basically informs about an organisation’s performance, thereby helping the customers to make an informed choice. The Incurred Claims Ratio (ICR) of Royal Sundaram for FY 2018-19 is 61%.