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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
      "BEST POLICY"
      0.5 5.0/5 "Blown Away!"
      There is no particular reason for purchasing the health insurance policy with ROYAL SUNDARAM GENERAL INSURANCE premium i paid 10k and the medical coverage they have offered is for 3lakhs for my entire family. They offer me the coverage of accidental benefits also with the pre existing disease coverage.
      Was this review helpful? 0
      , cuttack
      Reviewed on Sep 29, 2018
    • Royal Sundaram Health Insurance
      "GOOD POLICY"
      0.5 4.0/5 "Great!"
      The reason for purchasing the health insurance policy with ROYAL SUNDARAM GENERAL INSURANCE is because of lower premium but i had not experience with the insurance policy. Premium i am paying 11approximately added on that they are providing the coverage of 3lakhs for family.
      Was this review helpful? 0
      , chennai
      Reviewed on Sep 25, 2018
    • Royal Sundaram Health Insurance
      "BEST"
      0.5 3.0/5 "Satisfactory"
      There is no particular reason for purchasing the health insurance policy with ROYAL SUNDARAM GENERAL INSURANCE just i want an insurance so i have taken this policy. I had a claim with this policy which is cashless and the service is good. They provide the medical coverage for my entire family.
      Was this review helpful? 0
      , mangalore
      Reviewed on Sep 24, 2018
    • Royal Sundaram Health Insurance
      "Average policy"
      0.5 2.0/5 "Expected more"
      Royal Sundaram customer care service is not good and they are not giving proper response to the customer. There is a issue with a medical test i have informed that the I'm diabetic the pre-existing disease will cover after 4 years. I went for the policy in the month of February. There is no claim experience as of now.
      Was this review helpful? 0
      , noida
      Reviewed on Sep 23, 2018
    • Royal Sundaram Health Insurance
      "Cheapest and best policy"
      0.5 5.0/5 "Blown Away!"
      I have taken Health insurance with Royal sundaram 9 months ago. The premium amount is 7000 per year. The policy coverage amount is five lakhs.The policy is for one year which is taken for me. This policy is specially for diabetes and Thyro treatment. I have no claim experience with them.I get 100% cashless treatment.
      Was this review helpful? 0
      , azamgarh
      Reviewed on Sep 23, 2018
    • Royal Sundaram Health Insurance
      "Serving the needed"
      0.5 3.0/5 "Satisfactory"
      My Employer has provided me a health insurance policy to me. They have provided the cashless treatment. They have provided the policy for myself and family members. I can claim upto Rs. 2 lakhs by using this policy. I have not done any claim in the policy. Almost all the hospitals are covered in the city.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 18, 2018
    • Royal Sundaram Health Insurance
      "Average policy"
      0.5 3.0/5 "Satisfactory"
      They are covering the policy upto Rs. 5 lakhs for that I'm paying the premium of Rs. 5300 every year. There should be a health check up given to the customer if any claim is not happened. They should cover the family with a Single child in a single policy. I haven't experienced the cashless hospitalization so far.
      Was this review helpful? 0
      , raigarh
      Reviewed on Sep 17, 2018
    • Royal Sundaram Health Insurance
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      The reason behind taking the health insurance from ROYAL SUNDARAM GENERAL INSURANCE is because of good premium and also of good features. Premium i paid 3500k approximately with medical coverage provided by 2lakhs for self and they provided the satisfactory hospital list.
      Was this review helpful? 0
      , gwalior
      Reviewed on Sep 10, 2018
    • Royal Sundaram Health Insurance
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      I am holding ROYAL SUNDARAM GENERAL INSURANCE as a health insurance policy since last 10 years and i had 2-3 times claim and it is cashless for 2 times and reimbursement for 1 time. The customer service is excellent by helping regarding the claim. The premium is higher but it is 1lakh coverage for my entire family.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 04, 2018
    • Royal Sundaram Health Insurance
      "GOOD POLICY"
      0.5 5.0/5 "Blown Away!"
      I have purchased the health insurance through ROYAL SUNDARAM GENERAL INSURANCE where submitted through online. The premium i pay 12k approximately and also i am satisfied with the hospital list but not experienced with the claim. It covers my complete family also the disease coverage is there.
      Was this review helpful? 0
      , mangalore
      Reviewed on Sep 04, 2018
    • Royal Sundaram Health Insurance
      "Good policy"
      0.5 5.0/5 "Blown Away!"
      Though i have purchased the policy, i have not availed the benefits. I'm not using the customer care service so far. As per the policy, they are providing the cashless treatment. I have paid a premium amount of Rs. 5000. I have taken this policy for me alone. I have purchase the policy in February month. I can utilize the policy upto 5 lakhs.
      Was this review helpful? 0
      , yamuna nagar
      Reviewed on Sep 03, 2018
    • Royal Sundaram Health Insurance
      "Yet to experience the policy"
      0.5 5.0/5 "Blown Away!"
      This is first time i have ever chose my health insurance. I could see the different in this policy compared to other companies. This also had no claim bonus for the next year. I have not utilized the policy yet. I made a premium amount of Rs. 15000 for a family. I have taken the policy around 8 months before.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 02, 2018
    • Royal Sundaram Health Insurance
      "Not recommendable policy"
      0.5 2.0/5 "Expected more"
      No one contacted me from Royal Sundaram for the confirmation. There is a app is available where i can get all the information. Whenever the premium is increased, they will send me through app. I have made a premium amount of Rs. 27000. I have taken this insurance for my parents. I have no claim experience till now.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 28, 2018
    • Royal Sundaram Health Insurance
      "Good health insurance policy"
      0.5 4.0/5 "Great!"
      I have got all the details whatever they have said before purchasing the policy. I have received the health card and hard copy of the policy in on time. 1 month back, i have purchased this policy. I have paid the premium amount of Rs. 2571 annually. I have taken this policy only for me.
      Was this review helpful? 0
      , chikkaballapur
      Reviewed on Aug 20, 2018
    • 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
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