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  • Royal Sundaram Health Insurance

    Health Insurance
    • Premiums as low as Rs12/day for coverage of Rs.4 Lakhs*
    • 10,000+ hospitals for cashless treatment
    • Claim up to Rs. 55,000 deduction under section 80D**

    Royal Sundaram General Insurance Co. Limited is a well-reputed insurance company that has been providing insurance-related services since its establishment in 2000. The company is a subsidiary of Sundaram Finance.

     

    Features & Benefits of Royal Sundaram Health Insurance

    Certified for claim settlement:

    Royal Sundaram has been providing best in class services when it comes to claim settlement. The company has received ISO 9001-2008 certification for ‘effective customer service delivery’ in claims.

    Intelligent claim management system:

    Royal Sundaram has developed an ‘intelligent claim management system that won the ‘Celent Model Insurer Asia Award’ in 2013 for increasing customer satisfaction.

    Easy online purchase:

    All Royal Sundaram health insurance products can be purchased online at the click of a button without any hassles. Plans can be purchased without documentation in a matter of minutes.

    Plans provided by Royal Sundaram Health Insurance

    Plan Name Plan Basis(individual, family, etc) Sum Insured (Min and Max) Policy Term
    Lifeline Classic Individual and Family Min: Rs.2 lakh Max: Rs.4 lakh 1 or more years
    Lifeline Supreme Individual and Family Min: Rs.5 lakh Max: Rs.50 lakh 1 or more years
    Lifeline Elite Individual and Family Min: Rs.25 lakh Max: Rs.150 lakh 1 or more years

    *Premiums may vary depending upon factors like age, location, term of the plan and prevailing taxes/GST.

    Lifeline Classic

    The Lifeline Classic is a health insurance policy provides extensive coverage for both individuals and families.

    Unique Features of Lifeline Classic

    • Flexible sum insured options
    • Coverage for inpatient hospitalization, pre, and post-hospitalization, day care expenses, ambulance cover, organ donor, domiciliary expenses
    • Cover for alternative treatments at government hospitals
    • Vaccination cover for animal bite
    • Health check-up, tax benefit applicable
    • Wellness and preventive health care benefits

    Plan Details

    Policy term 1 or more years
    Entry Age Above 18 years. No maximum age
    Plan Basis Individual and Family
    Sum Insured Range Min: Rs.2 lakh Max: Rs.4 lakh
    Premium Depends on age, sum insured, etc
    Medical Screening Must for those above 45 years
    Co-Payment As mentioned in the policy document
    Waiting Period 30 days for general claims, 90 days critical illnesses, 48 months for pre-existing diseases
    No Claim Bonus Yes

    Lifeline Supreme

    The Lifeline Supreme is a comprehensive health insurance policy that comes with a wide range of benefits such as annual health check-up, etc.

    Unique Features of Lifeline Supreme

    • Extra health benefits
    • Coverage for critical illnesses, second opinion for such ailments
    • This also covered hospitalization, pre, and post-hospitalization, day care expenses, ambulance cover, organ donation, domiciliary expenses
    • Reloading of sum insured
    • Coverage for alternative treatments, vaccination for animal bite
    • Domestic evacuation cover
    • Wellness and health benefits

    Plan Details

    Policy term 1 or more years
    Entry Age Above 18 years. No maximum age
    Plan Basis Individual and Family
    Sum Insured Range Min: Rs.5 lakh Max: Rs.50 lakh
    Premium Depends on age, sum insured, etc
    Medical Screening Must for those above 45 years
    Co-Payment As mentioned in the policy document
    Waiting Period 30 days for general claims, 90 days critical illnesses, 48 months for pre-existing diseases
    No Claim Bonus Yes

    Lifeline Elite

    The Lifeline Elite health insurance policy comes with a higher sum insured option and provides extensive coverage.

    Unique Features of Lifeline Elite

    • Worldwide cover, maternity, and newborn cover
    • Annual health check-up
    • Critical illnesses covered, other serious health ailments, accidents also taken care of
    • Hospitalization, pre and post-hospitalization expenses
    • OPD benefit, reloading of sum insured
    • Vaccination for animal bites
    • Alternative treatments
    • Domestic evacuation cover
    • Wellness and health benefits
    • Second opinion for critical ailments

    Plan Details

    Policy term 1 or more years
    Entry Age Above 18 years. No maximum age
    Plan Basis Individual and Family
    Sum Insured Range Min: Rs.25 lakh Max: Rs.150 lakh
    Premium Depends on age, sum insured, etc
    Medical Screening Must for those above 45 years
    Co-Payment As mentioned in the policy document
    Waiting Period 30 days for general claims, 90 days critical illnesses, 48 months for pre-existing diseases
    No Claim Bonus Yes

    Checklist before Buying Royal Sundaram Health Insurance

    • Finalize the coverage and sum insured amount
    • Finalize the type of plan
    • Take a look at the exclusions
    • Opt for add-on options
    • Read the policy document thoroughly
    • Keep all documents ready

    Documents Required for Purchasing Royal Sundaram Health Insurance

    • Id proof
    • Address proof
    • Medical reports, if asked

    Reasons to choose Royal Sundaram Health Insurance

    Hassle- free claim settlement
    Online renewal
    Cashless claim networks

    Incurred Claim Ratio of Royal Sundaram Health Insurance

    The incurred claim ratio refers to the total number of claims that are settled by the insurance company in a particular year. This number is usually calculated using a formula and is given out as a percentage.

    Year Incurred Claim Ratio
    2016-17 62.09%

    Extra Benefits from Royal Sundaram Health Insurance

    Grievance Redressal Royal Sundaram has a grievance redressal mechanism through which customers can lodge complaints and resolve their issues.
    Customer Support The customer support team is well equipped to deal with any queries related to purchase, renewal, claims, reimbursements, etc

    Royal Sundaram Network Hospitals for Cashless Treatment

    Royal Sundaram has more than 3000 cashless network hospitals across the country where customers can avail direct healthcare services without any hassles. To locate the nearest empanelled hospital, log on to their website and click on the ‘Cashless Hospitals’ option.

    Royal Sundaram Health Insurance Claims procedure

    Cashless claim:

    • Inform the insurance provider immediately
    • Seek prior approval, provide health card
    • Bills will be paid by the insurance company directly to the network hospital

    Reimbursement claim:

    • Fill claim form
    • Bills, invoices, and discharge summary should be kept ready
    • Submit the relevant documents along with the claim form
    • Reimbursements will be made within 7 working days

    Terms and Conditions of the Insurer

    • The insurance provider has the right to withdraw the policy at any point of time if any information provided by the policyholder is untrue, misrepresented or concealed.
    • Incomplete claim forms will not be processed
    • All claim should be made within the stipulated time period mentioned in the policy
    • Claims cannot be made for any exclusions

    Royal Sundaram Health Insurance Reviews

    • Royal Sundaram Health Insurance
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      I have purchased my health insurance policy from ROYAL SUNDARAM GENERAL INSURANCE before 1 year where the premium is 17k that i am paying through online satisfactory to me. I can able to claim upto 3lakhs this covers for me and my spouse. The medical coverage is includes critical diseases also includes.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 17, 2018
    • Royal Sundaram Health Insurance
      "I'm not agreeing with Royal Sundaram"
      0.5 3.0/5 "Satisfactory"
      I had policy a health insurance policy with Royal sundaram for last 7 years. One fine time they have increased the premium amount. Suddenly without any intimation they have increased the premium amount from 6700 to Rs. 9000 hence i had discontinued the policy due this issue. I had no claim experience with Royal sundaram. I have got bonus for every year. As i regular user without any claim, they should not increase the policy. I can utilize the maximum claim amount of Rs. 3 lakhs. I have taken this policy for me and my wife.
      Was this review helpful? 0
      , bellary
      Reviewed on Aug 09, 2018
    • Royal Sundaram Health Insurance
      "Good. Can do better"
      0.5 3.0/5 "Satisfactory"
      This year I renewed my health insurance with Royal Sundaram. It is a policy for my family and I and they have not provided a very good medical coverage. It is around 2 to 5 lakhs, I am not sure on it. The premium is normal. They can provide more benefits.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 23, 2018
    • Royal Sundaram Health Insurance
      "Satisfactory"
      0.5 4.0/5 "Great!"
      My health insurance is with Royal Sundaram. I am satisfied with the medical coverage they have offered me. The customer support is good. The premium is also not costly. They have sent me the policy documents on time. They have good features like cashless hospitalization.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jul 22, 2018
    • Royal Sundaram Health Insurance
      "GOOD"
      0.5 4.0/5 "Great!"
      From ROYAL SUNDARAM GENERAL INSURANCE i am holding my health insurance policy from last 5 years and i am renewing it for yearly once. I am not aware of the claim amount but the diseases coverage and also the everything covers but i had no claim so far.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 20, 2018
    • Royal Sundaram Health Insurance
      "GOOD"
      0.5 4.0/5 "Great!"
      ROYAL SUNDARAM GENERAL INSURANCE is the insurance provider that where i am holding the insurance for my car. The policy coverage is nominal where it is not a bumper to bumper. Where the documentation i have done it through the on line. With the policy i had no claim.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Jul 19, 2018
    • Royal Sundaram Health Insurance
      "Benefits are good"
      0.5 4.0/5 "Great!"
      My health insurance is with Royal Sundaram. The customer services is good. I have taken a family floater. The medical coverage is for three lakhs and there are good benefits like cash less hospitalization facility. The premium is also economical.
      Was this review helpful? 0
      , darjeeling
      Reviewed on Jun 21, 2018
    • Royal Sundaram Health Insurance
      "Average"
      0.5 3.0/5 "Satisfactory"
      My health insurance is with Royal Sundaram. The medical coverage is for two lakhs. I have taken a LIFELINE - CLASSIC plan. The process was okay to buy the policy. I also got the book and the medical E card on time. The coverage is for two lakhs. It would be better if there is more transparency on the coverage of the illness.
      Was this review helpful? 0
      , sriperumbudur
      Reviewed on Jun 03, 2018
    • Royal Sundaram Health Insurance
      "Average"
      0.5 3.0/5 "Satisfactory"
      My health insurance is with Royal sundaram. The coverage is for three lakhs. The premium is also normal. I have taken a LIFELINE - CLASSIC plan. I was not provided with the medical card. I had to use the insurance at the time of hospitalization and I was informed that the particular surgery would not be covered. It would have been better if the details about the diseases which are covered or not to be informed clearly in the initial stage.
      Was this review helpful? 1
      , sriperumbudur
      Reviewed on Jun 03, 2018
    • Royal Sundaram Health Insurance
      "Good overall"
      0.5 5.0/5 "Blown Away!"
      I have taken a health insurance plan from Royal Sundaram. I have taken this policy for my family. I received the soft copy of the policy in a day and the hard copy in seven days. It is a LIFELINE - CLASSIC plan. The medical coverage is for Rs. 4,00,000 and the premium is Rs. 7,823 which has to be paid on a yearly basis. There are facilities of cashless hospitalization and no claim bonus.
      Was this review helpful? 0
      , cooch behar
      Reviewed on Jun 03, 2018
    • Royal Sundaram Health Insurance
      "Best Health Insurance"
      0.5 5.0/5 "Blown Away!"
      I got a very good deal about royal sundaram. They have very big hospital selection in list. I could say best one. In comparative according to that we can select like hospital rooms, facilities. There is a option to select what we want. They are ready to give insurance for what i choose. I could say this is the best insurance in health insurance. I need to know more about cashless medical transaction.
      Was this review helpful? 0
      , mysore
      Reviewed on May 21, 2018
    • Royal Sundaram Health Insurance
      "Best product for Elderly people"
      0.5 5.0/5 "Blown Away!"
      They always inform me well in advance about policy renewal before 1 month. They will give good reminder so i can make the payment on time. They used to co-ordinate with me. Benefits are good. Royal Sundaram people gives better coverage. They have very good network of hospitals. I have not experience the claim. They are providing cashless treatment also.
      Was this review helpful? 0
      , new delhi
      Reviewed on May 15, 2018
    • Royal Sundaram Health Insurance
      "Good Service"
      0.5 4.0/5 "Great!"
      I've bought the Royal Sundaram Health Insurance - LIFELINE - SUPREME online. Being a customer I already know about Royal Sundaram and their reputation. Apart from that there weren't any other reason to choose this policy yet. As of now, there hasn't been any claims raised against this policy. Overall their service is a recommendable one.
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 21, 2018
    • Royal Sundaram Health Insurance
      "good service"
      0.5 5.0/5 "Blown Away!"
      I had applied and got the Health insurance from the Premium insurance company ROYAL SUNDARAM GENERAL INSURANCE. The premium is affordable by comparing with other insurances. I didn't have any claim experience so i cant able to comment it. Over all the product is good and nice. The application process is easy and simple. Overall the product is good.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Mar 18, 2018
    • Royal Sundaram Health Insurance
      "Good Medical cover"
      0.5 5.0/5 "Blown Away!"
      I already have a relationship with Royal Sundaram for past 10 years, my father and brothers have taken health insurance from them. Royal Sundaram gave me best medical cover based on the premium. I paid the amount around Rs. 7500, I taken LIFELINE - CLASSIC plan for the sum assured of Rs. 3 lakhs its for me, my spouse and child. They do have cash less treatment and no claim bonus.
      Was this review helpful? 0
      , jaipur
      Reviewed on Mar 05, 2018
    • Royal Sundaram Health Insurance
      "Better Coverage"
      0.5 4.0/5 "Great!"
      They gave me additional cover on Life Line supreme, I have chosen the premium of Rs. 20 lakhs, hence I get another 20 lakhs of coverage, for the premium amount around Rs. 43,000 for the period of three years. It totally covers for 4 members but I added only 3 persons, yet to add one more person in the list. Royal Sundaram is providing cash less treatment, pre existing disease.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Mar 05, 2018
    • Royal Sundaram Health Insurance
      "Very good"
      0.5 5.0/5 "Blown Away!"
      I have a health insurance policy Royal Sundaram. My total premium is around Rs. 13,132 for the period of 2 years, each year I can claim up to Rs. 3,00,000. I made claim many times and recent claim I got 90% approval. I would like to give full rating to this policy, because I am satisfied customer.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 16, 2018
    • Royal Sundaram Health Insurance
      "Above average"
      0.5 3.0/5 "Satisfactory"
      I have applied for a health insurance policy from royal sundaram. I have liked the policy but unless I claim any experience it I cannot comment on the depth of their service. My total premium is around Rs. 13,850 and sum assured to me is around Rs. 5,00,000.
      Was this review helpful? 0
      , visakhapatnam
      Reviewed on Jan 23, 2018
    • Royal Sundaram Health Insurance
      "Excellent policy and services"
      0.5 5.0/5 "Blown Away!"
      LIFELINE - SUPREME is the plan I have taken from Royal Sundaram for the health insurance. It was a very easy process. There is a medical coverage of five lakhs. It was beneficial too, as there was a offer at that time for me. The premium is of 4600 and the offer was if I paid 900 more at that moment, I would get a additional of five lakhs from another insurer. I am happy about the whole process and the benefits as it covers everything.
      Was this review helpful? 0
      , visakhapatnam
      Reviewed on Jan 18, 2018
    • Royal Sundaram Health Insurance
      "Process is good"
      0.5 5.0/5 "Blown Away!"
      The process at Royal Sundaram is good. I have taken a health insurance for my family and I. The plan I chose is the LIFELINE - SUPREME plan. It was a very easy process. I got the policy in a single day. It is a Cashless facility and the coverage is for five lakhs.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 10, 2018
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