Health Insurance
Royal Sundaram Health Insurance
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
Lifeline Classic
Royal Sundaram Lifeline classic policy might only offer you a cover totalling 2 -4 lakhs. But make no mistake, it offers pretty extensive coverage. It has decent benefits. It doesn't include any absurd conditions. And perhaps the only niggling bit is that it is slightly expensive.
Lifeline Elite
Royal Sundaram Lifeline Elite is a premium policy, plain and simple. You get a massive cover (25 lakhs-1.5 Cr). No outrageous conditions. Comprehensive coverage, including outpatient and maternity benefits. A great policy, albeit very expensive.
Royal Sundaram Health insurance claim process
Royal Sundaram Health Insurance 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 Customer Care
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