Royal Sundaram Health Insurance FAQs

You must inform Royal Sundaram at least 48 hours before hospitalisation in case of planned hospitalisation whereas within 24 hours at the time of emergency hospitalisation.

You are required to provide the following documents at the time of intimation:

• Name of the insured person
• Name, Address, and Contact Number of the hospital
• Diagnosis
• Name and Contact Number of the treating doctor
• Expected date of discharge
• Date of Hospitalisation

Claims for the second opinion for Critical Illnesses are serviced through “Europ Assistance India Pvt. Ltd.”

You should inform Royal Sundaram by contacting them on the toll-free number-18604250000 or drop an e-mail to them.

There are 5,000+ hospitals that provide cashless claim settlement in health insurance by Royal Sundaram.

Royal Sundaram covers the following critical illnesses under its Family Plus Plan:

Yes. Royal Sundaram provides cover for emergency domestic evacuation in its critical illness plan.

Yes. Royal Sundaram provides domiciliary hospitalisation cover up to the sum insured under its critical illness plan, i.e. Family Plus.

Royal Sundaram family floater health insurance plan boasts of providing you with the widest range of coverage in a single policy which covers 5 generations of a family.

Yes, an option of the second opinion reacted to procedures, diagnosis, and treatments of 11 specified critical illnesses are covered under the plan.

The road ambulance cover is offered up to Rs. 4,000, for the per event of hospitalisation for every insured member.

Royal Sundaram family health insurance offers the insured several benefits Some of these include tax benefits on the premium paid, under Section 80D of the Income Tax Act, 1961, lifetime renewability benefits, free look period, grace period, coverage for up to 19 relationships, a wide range of sum insured benefits, and cashless treatment in more than 5,000 network hospitals.

Royal Sundaram family health insurance covers you for the following healthcare expenses: ambulance cover, AYUSH treatment, daycare procedures, vaccination in case of an animal bite, in-patient hospitalisation expenses, pre and post hospitalisation expenses, expenses related to domiciliary hospitalisation, second opinion for the diagnosis of 11 critical illnesses, etc.

Yes. Royal Sundaram family health insurance policy offers you tax deductions under Section 80D of the Income Tax Act, 1961.

A family floater health insurance policy offered by Royal Sundaram is ideal for anyone who is married and has children. He/she can cover a self, legally wedded spouse, and dependent children under a single sum insured under this policy.

Yes. You can change the sum insured of your Royal Sundaram family health insurance during policy term, at the time of renewal. Kindly note that you must remember the date of expiry and renew the policy before its expiry so that it does not get lapsed.

The registered office address of Royal Sundaram is- Royal Sundaram General Insurance Co. Limited No.21, Patullos Road, Chennai - 600 002 The corporate office address of Royal Sundaram is- Royal Sundaram General Insurance Co. Limited Vishranthi Melaram Towers No.2/319, Rajiv Gandhi Salai (OMR) Karapakkam, Chennai - 600097

The toll free customer service number for Royal Sundaram is- 1860 425 0000.

You can visit the nearest branch with your Royal Sundaram health insurance policy documents and submit at the service counter. After completing the process, the refund will be directly debited to your bank account.

Royal Sundaram offers two modes of payment for the health insurance premium, viz.,

1. Cash payment at the branch

2. Online payment: For online payment mode, the policyholder can pay via credit card, debit card, or net banking.

You can renew the Royal Sundaram health insurance policy by following these steps online-

• Enter your Policy Number and Date of Expiry into e-portal.
• Calculate the premium
• Select the payment option-Net Banking or Debit/Credit Card to pay.
• Upon successful payment completion, print/save the premium deposit receipt.

For the year 2019-2020, the Claim Settlement Ratio for Royal Sundaram was 81.50%.

The waiting period of pre-existing illnesses and diseases under Royal Sundaram individual plans ranges from 2 to 4 years, depending on the variant you choose.

Yes, a reload benefit is available under the plan, where 100% sum insured amount is reloaded only after the SI is exhausted. If the sum insured is not exhausted completely, the reloading feature won’t apply.

Yes, the individual health insurance plan covers the AYUSH procedures and treatments with the expenses of vaccination for animal bites.

No-claim bonus (NCB) starts from 20% of the base sum insured and extends up to 100%. No reduction in NCB, even when a claim is filed during a particular year.

Royal Sundaram offers a wide range of sum insured coverage from Rs. 2 lakh to Rs. 1.5 crore. This broad coverage makes it a favorite option for every economic group.

Royal Sundaram individual health insurance plan is an ideal choice for anyone who is aged between 18 years and 65 years and does not own a health insurance cover.

Yes. You can enhance your sum insured for the Royal Sundaram individual health insurance plan at the time of policy renewal. Note that to be able to renew the policy there should not be any lapse.

Royal Sundaram individual health insurance plan offers several benefits to the insured such as a wide range of sum insured options, cashless cover in network hospitals, cover for family members including spouse, and up to 4 dependent children, and tax benefits on the premium paid, under Section 80D of the Income Tax Act, 1961.

Yes. You can avail of tax deductions on the premium paid for individual health insurance policy offered by Royal Sundaram Health Insurance, under Section 80D of the Income Tax Act, 1961. Kindly note that the tax benefits will be applicable if the premium is paid in any mode other than cash.

Royal Sundaram individual health insurance plan offers cover to family and individuals for daycare procedures, organ donor expenses, in-patient hospitalisation expenses, pre-hospitalisation and post-hospitalisation expenses, domiciliary hospitalisation expenses, vaccination in case of an animal bite, second opinion for specified critical illnesses, etc. Also, it comes with a wide range of sum insured options and offers other benefits like lifelong renewability, No Claim Bonus, reload of the sum insured, etc.

Yes, the family floater option under the Lifeline plan by Royal Sundaram covers domiciliary hospitalisation charges.

Some of the benefits by insuring your kids under the family floater option of Lifeline plan are:

• Complete health check up available once every third year of the policy term.
• Expenses for vaccination in case of an animal bite.
• Health care and wellness benefits are provided.
• Ambulance cover is provided.
• In-patient hospitalisation cover.
• Pre and post hospitalisation expenses are covered.

Dependent children aged between 91 days to 25 years can be covered under the Lifeline plan by Royal Sundaram on the family floater basis.

Royal Sundaram kids health insurance plan is an ideal choice for kids who want adequate health insurance coverage at all times.

Yes. You can change the sum insured of your Royal Sundaram kids health insurance plan at the time of policy renewal.

Royal Sundaram kids health insurance plan offers you several advantages such as-wide range of sum insured benefits, lifetime renewability benefit, portability benefit, coverage for up to 19 members under family floater plan, coverage on individual or family floater basis, reload benefit, etc.

Royal Sundaram kids health insurance plan covers you for several healthcare expenses some of which are ambulance expenses, pre-hospitalisation and post-hospitalisation expenses, domiciliary hospitalisation expenses, health and wellness related expenses, second opinion in critical illnesses, vaccination expenses for up to Rs. 5,000 in case of animal bite, etc.

On the premium paid for Royal Sundaram kids health insurance policy, you can avail tax benefits, under Section 80D of the Income Tax Act, 1961. You can only avail tax benefits if you pay the premium in any mode other than cash.

The newborn baby can be covered under the plan providing maternity coverage, only post 91 days of his or her birth.

Yes, nutritional allowance is provided for mother post discharge after the delivery.

The maternity coverage policy covers the expenses 30 days prior to hospitalisation and 60 days post-hospitalisation. When there is a maternity cover in your health insurance policy, then you do not have to worry pertaining to the expenses while choosing the hospital or nursing home for delivery. This thing makes a lot of difference especially in case of unforeseen situations when you want the best possible doctors to attend you and your newborn baby.

Anyone who plans to have a baby should buy a maternity insurance policy long before long before. This is because maternity insurance plans come with a waiting period, only after which the coverage can be offered. Anyone aged at least 18 years can be covered under this policy. The good news is that there is no maximum age limit to be covered under this policy.

Yes. You can avail tax benefits on the premium paid for Royal Sundaram maternity policy, under Section 80D of the Income Tax Act, 1961. Kindly note that to avail tax benefits, you must pay the premium in any mode other than cash.

Royal Sundaram maternity health insurance plan offers you cover for in-patient hospitalisation expenses, daycare expenses, nutritional allowance for the mother after discharge post delivery, vaccination in case of animal bite for up to a specific limit, etc.

Yes. You can change the sum insured of your Royal Sundaram maternity health insurance during policy term, at the time of renewal.

Royal Sundaram maternity health insurance plan allows you to cover up to 19 relationships. You can buy the policy on an individual basis or a family floater basis. Other benefits that the policy offers you include reload benefit, No Claim Bonus, a wide range of sum insured options, lifetime renewability benefit, free look period, portability benefit, etc.

Contagious diseases, heart attack, contagious diseases are unfortunate accidents can be a part of fast-paced lives these days. Buying a health insurance plan for your parents thus becomes a must so that you don’t wipe off your entire savings in case of medical emergencies.

• There is no restriction on the maximum entry age.
• Any adult who is above 18 years of age can get coverage under this plan.
• There is no restriction on the maximum number of people to be covered. A minimum of two persons should be covered though.
• Children older than 91 days can be covered under the policy.

• Diseases that are diagnosed by the insurer within the initial 30 days of the starting of the policy.
• Claim settlement is excluded if there is any gap in the renewal of the policy.
• Sexually transmitted diseases are excluded.
• Cataract, benign prostatic hypertrophy, knee or hip replacement are excluded.

Royal Sundaram parents health insurance policy offers tax deductions under Section 80D of the Income Tax Act, 1961. You can avail of tax benefits only if the premium is paid in any mode other than tax.

Royal Sundaram parents’ health insurance plan covers you for road ambulance expenses, in-patient hospitalisation expenses, pre-hospitalisation and post-hospitalisation expenses, organ donor expenses, domiciliary hospitalisation expenses, second opinion, emergency domestic evacuation for up to Rs. 1 Lakh, etc.

Yes. You can change the sum insured at the time of policy renewal in case you are not satisfied with it. However, to enhance the sum insured, you will be able to increase it only up to the limit offered under the policy. For instance, if a health insurance policy offers a sum insured of up to Rs. 5 Lakh, then you can only increase it up to Rs. 5 Lakh and not beyond that. Also, to increase the sum insured, you may also be required to pay a higher premium.

Royal Sundaram parents health insurance plan can be purchased by parents or senior citizens, who are looking for comprehensive cover to stay financially protected in golden years of their lives. They can buy the policy on an individual or family floater basis.

Royal Sundaram parents’ health insurance plan offers you several advantages. Some of these include tax benefits under Section 80D of the Income Tax Act, 1961, No Claim Bonus, 100% reload benefit if the sum insured is exhausted, wide range of sum insured options, lifetime renewability benefit, portability benefit, free look period, etc.

Yes. Portability in Royal Sundaram does not mean that you will lose all the benefits accumulated with your previous health insurance plan. You will get the benefits as per the terms and conditions of the policy.

To avail the portability benefit in Royal Sundaram, you need to inform at least 45 days before the renewal date of your existing policy.

Documents required for porting health insurance in Royal Sundaram are -application form, portability form, copy of last year’s policy schedules issued by the previous insurer, and declaration by the customer about the claims made and the medical history.

Premium amount in Royal Sundaram Health Insurance Plans is determined on the basis of the applicant’s sum insured and age; and the zone and location of the applicant.

Yes, Royal Sundaram will notify you after receiving the premium for your health insurance plan.

You can make cash payment at the branch or online payment for premiums in Royal Sundaram health insurance. The online payment can be made via Credit Card, Debit Card or Net Banking.

The health insurance plan will let them evade the financial crisis in case of any medical emergency as aging will make them more prone to illness. Also, they can save more of their money and plan their future life without any stress in a better manner, which ultimately makes them independent.

Domiciliary hospitalisation expenses covered up to the sum insured amount. Under this offering, if the patient is unable to be admitted in hospital and treated at home, the costs incurred will still get the coverage.

Under the plan AYUSH treatment is offered, where inpatient hospitalisation cover is available for the amount up to the sum insured in government hospitals and up to Rs. 30,000 in other hospitals.

Emergency domestic evacuation cover of up to Rs. 1 lakh is offered under the insurance policy.

Royal Sundaram senior citizen plan is an ideal choice for people aged above 60 years who wish to secure their lives financially in old age. Thes eplan offer them coverage against several healthcare expenses and help them save their savings from getting wasted in paying hospital bills due to deteriorated health in that age.

Yes. You can change the sum insured of your Royal Sundaram senior citizen plan at the time of policy renewal. You can enhance the sum insured up to the maximum sum insured option offered under the policy only.

Royal Sundaram senior citizen health insurance offers several advantages to the insured. Some of these include: wide range of sum insured options between Rs. 2 Lakh and Rs. 150 Lakh, coverage for individual as well as family, no room rent capping, benefit of reload of sum insured, double sum insured with No Claim Bonus, etc.

Royal Sundaram senior citizen health insurance plan covers you for several healthcare expenses including expenses related to emergency domestic evacuation, hospitalisation for AYUSH treatment, health and wellness benefits such as e-chats with doctors, expenses related to vaccination in case of animal bite, international cover for 11 critical illnesses, return airfare for international treatment, pre-hospitalisation and post-hospitalisation expenses.

Royal Sundaram senior citizen health insurance policy offers tax benefits to the insured, on the premium paid, under Section 80D of the Income Tax Act, 1961. Note that the tax benefits can be enjoyed only if the premium is paid in any mode other than cash.

Royal Sundaram provides top up option under its Lifeline Plan under two variants by the name of Classic and Supreme.

Yes, Royal Sundaram provides discounts to the policyholders on its top-up plan.

Yes, Royal Sundaram offers an optional cover for top-up under its Lifeline health insurance policy.

The Elite variant under the Lifeline Plan by Royal Sundaram is available in sum insured options of Rs. 25 Lakh, Rs. 30 Lakh, Rs. 50 Lakh, Rs. 1 Crore.

Yes. Royal Sundaram provides newborn baby cover for 25% of the Sum Insured under the Lifeline Elite variant of the Lifeline plan.

Yes, Royal Sundaram provides a discount on health insurance plans for women.

Royal Sundaram woman health insurance plan is a good choice for a woman who is not covered under any health insurance plan, or has only a health insurance plan provided by the employer.

Yes. The sum insured for Royal Sundaram woman health insurance plan can be changed at the time of policy renewal. Note that you can only enhance the sum insured amount if the policy comes with a greater sum insured option than the one you already have.

Royal Sundaram woman health insurance plan cover you for AYUSH treatments for in-patient hospitalisation expenses, pre-hospitalisation and post-hospitalisation expenses, domiciliary hospitalisation expenses, emergency domestic evacuation, ambulance expenses arising due to hospitalisation, etc.

Yes. The premium paid for Royal Sundaram health insurance policy is eligible for tax deduction under Section 80D of the Income Tax Act, 1961. You can avail tax benefits only if the premium is not paid in cash.