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  • Royal Sundaram Health Insurance - Compare plans & reviews

    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

    *The customer reviews/feedback/opinions expressed on this website are solely of their authors and do not reflect, in any way, the view of BankBazaar Insurance.

    Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. Display of such IP along with the related product information does not imply BankBazaar's partnership with the owner of the Intellectual Property or issuer/manufacturer of such products.

    Royal Sundaram Health Insurance Reviews

    • Royal Sundaram Health Insurance
      "GOOD POLICY"
      0.5 4.5/5 "Excellent!"
      I have been using the health insurance policy with the ROYAL SUNDARAM GENERAL INSURANCE since from last 4-5 years where i had claim once with this policy. The medical coverage is for 4L for complete family. The premium is nominal with this insurance policy.
      Was this review helpful? 1
      , bilaspur
      Reviewed on Jan 29, 2019
    • Royal Sundaram Health Insurance
      "Good"
      0.5 5.0/5 "Blown Away!"
      I have purchased the health policy from online with Royal Sundaram, they are very good in service. I have no claim, I got the insurance paper and card from the insurer. I have taken the medical policy for family. The medical coverage is 5L. I have paid the premium of 12K yearly through online.
      Was this review helpful? 0
      , jamnagar
      Reviewed on Jan 03, 2019
    • Royal Sundaram Health Insurance
      "Good"
      0.5 5.0/5 "Blown Away!"
      I have a health insurance from Royal Sundaram and it was taken last year through online. I took it for myself and the medical coverage is 5L. If I did not claim for one year and they will increase the limit gradually up to 10L. The premium is reasonable and got the insurance paper. The customer service is good. I can go for cashless as 100% without paying any initial amount.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 30, 2018
    • Royal Sundaram Health Insurance
      "Good"
      0.5 4.0/5 "Great!"
      The premium is less with Royal Sundaram and also it covers more disease. One of the major reason is it covers most of hospitals in Salem and Dharmapuri. The customer service is fine, I have no claim and it was purchased recently through online. The medical coverage is 5L for whole family. Also they have provided additional benefit, premium of approx 12K paid through online.
      Was this review helpful? 1
      , salem
      Reviewed on Dec 29, 2018
    • Royal Sundaram Health Insurance
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      Royal Sundaram is better, I have chosen it for the premium and main reason is there is an option for topup. I have got the hard copy and soft copy of insurance papers. The medical coverage is 3L and they have top up of 7L, totally 10L. For the family. It covers major hospitals and near by hospitals for cashless treatment.
      Was this review helpful? 0
      , thrissur
      Reviewed on Dec 11, 2018
    • Royal Sundaram Health Insurance
      "Excellent"
      0.5 4.0/5 "Great!"
      The customer service is excellent with Royal Sundaram. I have told my views to the bank bazaar representative and it matches with Royal Sundaram so they have suggested me to proceed. I just called customer support and spoke regarding claim and it was 100%, I doesn't know the procedure initially and I did enquired in hospitals. Overall it was a very good experience.
      Was this review helpful? 0
      , chennai
      Reviewed on Dec 06, 2018
    • Royal Sundaram Health Insurance
      "Overall good"
      0.5 4.5/5 "Excellent!"
      Royal Sundaram is overall good in the health insurance policy. The process was smooth to buy my policy and I got the policy documents on time. The medical coverage value is fine. It is of five lakhs. The plan I have chosen is Lifeline - Supreme.
      Was this review helpful? 0
      , chennai
      Reviewed on Nov 30, 2018
    • Royal Sundaram Health Insurance
      "Good Policy "
      0.5 5.0/5 "Blown Away!"
      Its basically a term insurance and it covers for the accidental coverage and i have to renew the insurance every year. The policy was offered by CITI bank from Royal sundaram. I have to pay the premium amount almost Rs. 1500 for every year and the coverage amount of Rs. 5 lakhs and for the full disability Rs. 10 lakhs and for the partial disability Rs. 5 lakhs. Basically its a accidental benefits policy.
      Was this review helpful? 0
      , new delhi
      Reviewed on Oct 26, 2018
    • Royal Sundaram Health Insurance
      "Should work on customer support"
      0.5 3.0/5 "Satisfactory"
      I have taken medical insurance before 1.5 years, I am not satisfied with Royal Sundaram because their annual health check up cover is not upto the mark. I am making the competitive premium for that they provided me the medical cover of Rs.5 lakhs. They need to work on customer support and medical check up benefits.
      Was this review helpful? 0
      , guwahati
      Reviewed on Oct 22, 2018
    • Royal Sundaram Health Insurance
      "Its Fine"
      0.5 5.0/5 "Blown Away!"
      My spouse has the medical cover of Rs. 2 lakhs, they send attachment about the hospital list. Even I got the medical card from the insurance company, they didn't told about maternity benefits and they didn't give any separate coverage. I have taken health policy for one year.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 22, 2018
    • Royal Sundaram Health Insurance
      "Its Good"
      0.5 5.0/5 "Blown Away!"
      Based on my SBI credit card I got health insurance from Royal sundaram, they taken Rs.2500 for two policies, one is for me and another is for my spouse. They gave me the better coverage value around Rs. 2 lakhs each. The insurer has ncb and cash less hospitalization.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 22, 2018
    • Royal Sundaram Health Insurance
      "Its Good"
      0.5 4.0/5 "Great!"
      I have Health Insurance with Royal Sundaram, they gave me best medical cover. The premium amount is reasonable for the tenure of one year. Its includes for my spouse, they are providing cash less hospitalization. I got my medical card on time I am fine with that.
      Was this review helpful? 0
      , chandigarh
      Reviewed on Oct 22, 2018
    • 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
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