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    Royal Sundaram Health Insurance

    Car Insurance
    • Premiums as low as Rs10/day for coverage of Rs.5 Lakhs
    • 10,000+ hospitals for cashless treatment
    • Get plans with no limit on room rent

    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
      "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
    • Royal Sundaram Health Insurance
      "Satisfied"
      0.5 4.0/5 "Great!"
      I have taken a LIFELINE - SUPREME plan for my health insurance with Royal Sundaram. It is a family floater. I am given a medical coverage of five lakhs. It is a general insurance and there is no preexisting illness coverage. The premium is also normal.
      Was this review helpful? 0
      , kolkata
      Reviewed on Jan 10, 2018
    • Royal Sundaram Health Insurance
      "Good protection"
      0.5 4.0/5 "Great!"
      I took Royal Sundaram health insurance through online channel, when I compared the premium it was less around Rs.6000 and they got tie up with good hospital. They are providing cash less facility rather going for reimbursement. They have provided me 5% of no claim bonus and they are providing accidental, critical illness with the medical cover of Rs. 3 lakhs for my family.
      Was this review helpful? 0
      , pune
      Reviewed on Jan 03, 2018
    • Royal Sundaram Health Insurance
      "Good policy coverage"
      0.5 5.0/5 "Blown Away!"
      Royal Sundaram was pretty good in the process for the health insurance. I have taken a Lifeline classic plan. The best about the policy is it has a full coverage and there is no co payment. I can use this policy all over India and the network of hospitals is also good. Only after four years the preexisting illness is covered. The premium is a bit costly, it is around 7300 on a yearly basis. The coverage is for three lakhs.
      Was this review helpful? 0
      , visakhapatnam
      Reviewed on Jan 02, 2018
    • Royal Sundaram Health Insurance
      "Happy with the process"
      0.5 5.0/5 "Blown Away!"
      The main reason I have purchased a health insurance from Royal Sundaram is because it has better features and benefits when compared to the other companies. One of it is the low premium. I need to pay a premium amount of 5600 on a yearly basis. The sum assured is of three lakhs and it is a individual insurance. They also have a good number of network hospitals and it is a good brand too.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Jan 02, 2018
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