Health Insurance
Royal Sundaram
Royal Sundaram General Insurance is a venture majorly partnered by Sundaram Finance, the Indian NBFC group and 200 year-old Belgian-based Ageas Insurance. They are the first private general insurance company to get licence in India and they offer Health, Motor, Travel and Home Insurance. It has two Health Insurance policies, one Individual and one Family, among which they provide Maternity benefit as well.
Royal Sundaram Health insurance plans
Advanced Top Up
The Royal Sundaram Advanced Top-Up is a super top-up health insurance that provides financial protection beyond the limits of a base plan. It offers sum insured options of up to ₹95 lakhs, with deductibles between ₹5 lakhs and ₹25 lakhs. It covers essential medical expenses, daycare procedures, pre- and post-hospitalization expenses up to 60 and 90 days respectively, and alternative treatments like Ayurveda and Homeopathy.
Lifeline Supreme
The Royal Sundaram Lifeline Supreme plan is a high-coverage health insurance policy offering sums insured from ₹5 lakhs up to ₹1 crore, designed for individuals and families. The plan features no room rent restrictions, zero co-payment, and offers benefits like second medical opinions, restoration benefit once a year, and a no-claim bonus. It aims to deliver extensive, hassle-free health protection with a focus on modern treatments and global healthcare access.
Multiplier Health
The Royal Sundaram Multiplier Health Insurance plan is a distinctive offering that provides comprehensive health coverage with a unique multiplier benefit. It offers sum insured options of up to ₹25 lakhs, and includes essential benefits such as inpatient care, pre- and post-hospitalization expenses, daycare treatments, domiciliary hospitalization, and AYUSH treatments. Notably, it features a 4X multiplier benefit for life-threatening conditions, where the sum insured (including No-Claim Bonus) is multiplied by four, providing substantial coverage during critical medical situations.
Lifeline Classic
The Royal Sundaram Lifeline Classic plan is a comprehensive health insurance policy designed for individuals and families, offering sum insured options typically between ₹2 lakhs and ₹4 lakhs. The plan features no sub-limits on room rent, no co-payment, and offers benefits like domiciliary hospitalization, hospital cash, and vaccination for animal bites. With lifetime renewability and preventive healthcare support, it aims to provide reliable financial protection against medical expenses.
Lifeline Elite
The Royal Sundaram Lifeline Elite plan is a premium health insurance policy offering extensive coverage with sum insured options ranging from ₹25 lakhs up to ₹1.5 crores. Designed for individuals and families, it provides comprehensive essential coverage, including worldwide emergency hospitalization (excluding USA and Canada by default) with a deductible of $1,000 per hospitalization, and critical illness treatment abroad. The plan features no room rent caps or sub-limits, automatic sum insured restoration, accelerated no-claim bonus, and access to over 10,000 cashless network hospitals.
NextGen
The Royal Sundaram NextGen plan is a basic health insurance policy offering customizable features like reduced waiting periods for pre-existing conditions (Asthma, Hypertension, High Cholesterol, Diabetes), consumables cover and OPD add-ons, and enhanced pre- and post-hospitalization benefits. The plan has no co-payment clause and no disease wise sub-limits, ensuring full coverage up to the sum insured without additional out-of-pocket expenses.
Family Plus
The Royal Sundaram Family Plus plan is a comprehensive health insurance policy designed to cover large families, with coverage extending to up to 19 members under a single policy. It offers a unique combination of individual and floater sum insured options, with individual coverage up to ₹15 lakhs and floater coverage up to ₹50 lakhs. The plan includes benefits such as maternity cover, newborn baby coverage, animal bite vaccination, and reload benefits for exhausted health cover, alongside standard health insurance coverages.
Royal Sundaram Health insurance claim process
Royal Sundaram claims can be of different types based on the hospital in which you are getting the treatment. If it’s part of Royal Sundaram's network hospitals, you can get a “Cashless claim” in which insurance company directly pays the bills to the hospital. But if your choice of hospital is not part of their network, then you have to pay the bills and apply for reimbursement claim. Here’s a brief process for both types of claims:
Cashless Claims
Inform the Hospital Desk
All network hospitals have an insurance desk. You can submit your policy copy (even soft copy works), ID proof, initial diagnosis report and the insurance desk will request the insurance company for “pre-authorization”. In case of planned treatments, you need to do this process 2 days before hospitalization
Insurer’s decision
Based on the provided documents, insurance company approve the claim and the hospital will start the treatment and they will co-ordinate with insurer for the treatment costs. In case of Cashless claim rejection, you can still go ahead with the treatment. In this case, you will need to pay the bills initially and can file for a reimbursement claim later
Discharge
If your cashless claim is approved, at the time of discharge, the insurance company will do the final settlement with the hospital and once that is sorted, you are good to go.
Reimbursement Claims
Inform the insurance company
For any planned treatments, you need to inform the insurance company 2 days before hospitalisation. In case of emergency, you can inform within 24 hours of admission. Insurance company will acknowledge the intimation.
Hospitalization
You need to submit a insurance claim form along with original copies of hospital bills, doctor consultation reports, and diagonstic reports.
File the claim
Within 30 days post discharge, you can initiate the claim online or at any of the registered offices of the insurance company. You need to fill a claim form and attach all the reports and bills.
Insurer’s decision
Based on the claim form and submitted documents, insurance company will settle the claims as per policy terms and conditions.
Royal Sundaram Health Insurance Renewal
Firstly, if you’ve purchased the policy online, you’ll always receive an intimation e-mail from the insurer around 30 days before the renewal date. The e-mail will have a renewal link that will directly take you to the page where you can make the payment and check policy details. And it’s done. You’ll receive the policy document via e-mail.
However, in case you choose to do it on your own, here’s what you need to do:
Visit the website
Visit the Royal Sundaram website and then go to the Renewal section here.
Enter details
You’d be asked to provide your current policy number which you can find in the policy soft copy. You may as well be asked to enter your mobile number, email ID, Date of Birth or policy expiry date.
Review and edit the policy details
Next, you’ll be able to see details of your new policy and the renewal premium you need to pay. Also, you’ll be given the option to make some changes related to sum insured, existing covered members, etc.
Complete the payment and it’s done
Once you confirm the details, you’ll be directed to the payment gateway. Once the payment is complete, you’ll receive your new policy soft copy via e-mail.
Few things to consider when renewing your Royal Sundaram health insurance policy
- If you want to increase your Sum Insured, now is the time. You can’t do it anytime during the year.
- If you didn’t make a claim in the past year, make sure you have been given a no-claim bonus if your policy offers it.
- If you want to add members like your spouse or kids, you have the option to do so only at the time of renewal. So do give this a thought.
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