Royal Sundaram Health Insurance

Royal Sundaram Alliance Insurance Co. Ltd., India's first private insurer (promoted by Sundaram Finance and RSA) began operations in the year 2001. It has grown tremendously over the years to become a leading player in the Indian insurance industry.

Their product portfolio comprises various product lines ranging from auto to home insurance on the personal front and fire to engineering to liability insurance on the corporate front.

Royal Sundaram was responsible for introducing many innovative services/offerings which, today, have become the norm for most insurance companies e.g. cashless claims processes, cash allowances for hospitalisation and value-add partnerships with top institutions to extend market reach.

Their efforts have led them to create a customer-base of over 5 million clients, who are provided superior customer service through a multi-channel distribution network of agents, institutional tie-ups, brokers etc. The company's presence is felt in over 180 cities nationwide.

As part of its health insurance segment, the company offers the following health insurance policies:

• Royal Sundaram Family Good Health Plan
• Royal Sundaram Smart Cash Plan
• Royal Sundaram Lifeline Health Insurance

Royal Sundaram Family Good Health Plan

A health insurance policy which serves to provide financial protection to the proposer and his family, including dependant parents, economically and adequately.

Royal Sundaram Smart Cash Plan

The Smart Cash Plan offered by Company takes care of your daily expenses incurred in transportation, food, patient's attendance, guest accommodation, etc. This is daily cash benefit plan. The plan is particularly designed to cover your out of pocket expenses in treating injury or illnesses. The Smart Cash Plan comes with three variants namely - Silver, Gold and Platinum.

The Smart Cash Plan comes with a host of attractive feature and benefits such as tax benefits, hospitalization benefits, emergency flight tickets reimbursement and a grace period of 30 days to name a few. The plan provides cover for Hospitalization, Join Hospitalization, ICU charges, Critical Illnesses, Childbirth, Guest expenses, Food expenses, Travel expenses and expenses incurred in Emergency Family Member visit. This is an individual plan, but you can include children, spouse, parents, dependents and self under this plan. Also, it provides cover for childbirth and maternity related expenses.

The minimum entry age required for the Smart Cash Plan is 91 days. The maximum entry age for the same is 70 years (applicable for Gold and Platinum variant). There is no maximum entry age applicable for Silver Smart Cash policyholders. The maximum sum insured under this plan varies between Silver, Gold and Platinum. No exit age is applicable for this plan.

Roayl Sundaram Lifeline Health Insurance

This is a health insurance policy that can be taken as an individual plan or as a family floater plan to secure health insurance benefits for the entire family. It has 3 variants that offer slightly different features to policyholders.

Royal Sundaram Health Insurance Policies Offer:

Royal Sundaram Health Insurance offers health insurance policies with a wide range of sum insured options to suit the varying needs of its customers. The health insurance policies offered by Royal Sundaram Health Insurance offers the following insurance coverage:

1. Cashless hospitalisation at more than 3,000 network hospitals.
2. Pre and post-hospitalisation expenses.
3. 147 day-care procedures.
4. Lifetime renewability option.
5. Tax benefits on health insurance premiums under Section 80D of the Income Tax Act, 1961.
6. Increased cover of up to additional 50% sum insured for hospitalisation as a result of an accident.
7. Maternity expenses.
8. Pre-existing disease cover with a 3-year waiting period.
9. Get a cumulative bonus of 5-50% for every claim-free year.
10. Get daily cash benefit to cover non-medical expenses during the period of hospitalisation. The insurer offers double cash benefit in the case of hospitalisation due to an accident and triple cash benefit in the case of admission to Intensive Care Unit (ICU).

Buy Health Insurance Online:

Health insurance policies offered by Royal Sundaram Health Insurance can be purchased online through the company website. You can get an instant quote on your chosen policy with a couple of minutes. A health insurance policy can be purchased online without the hassle of physical documentation process. The guide to buy health insurance online is as follows:

1. Visit the Royal Sundaram Health Insurance portal. Go through the various features and benefits of the health insurance policies offered by the company.
2. Choose a policy and click on 'Buy Now' tab.
3. Enter details about the insured member, his or her dependents, and the sum insured.
4. Choose the policy term, which is usually 1 or 2 years.
5. The online premium calculator can be used to calculate the premium of your chosen health insurance policy.
6. Make a note of the instant quote.
7. Click on 'Proceed' to purchase the health insurance policy.
8. Use net banking, credit card or debit card to pay the insurance premium online through the insurer's website.
9. The policy documents will be sent to your email ID upon successful completion of the premium payment.
10. The health insurance policy becomes effective once the payment is processed.
11. Print the policy documents to keep a hard copy of your health insurance policy.

Royal Sundaram Health Insurance Renewal

Renew your health insurance policy before the expiry date. If you have failed to renew it before or on the due date then renew it within the grace period to avoid policy lapse and losing out on policy benefits. Royal Sundaram Health Insurance policies can be renewed online through the insurer's website. Enter the policy number and expiry date to get your renewal notice. Pay the renewal premium online using net banking, credit card or debit card.

Royal Sundaram Health Insurance Contact Number

1. Royal Sundaram Health Insurance Customer Service helpdesk number is 1860 425 0000
2. For policy-related queries, you can mail to customer.services@royalsundaram.in.
3. You can also make a service request like requesting a policy copy or policy cancellation by submitting an online form on the company website. You will receive a response in 2 working days.
4. There is a 'Call Back' option wherein the customer can submit a call-back request on the company website and an insurance agent will call you back to resolve your query.
5. Complaints can be registered on the company website.
6. Claims can be intimated via phone or through insurer's website.
7. A customer can engage in a live chat with an insurance agent regarding health insurance plans on the insurer's website.

How to File a Health Insurance Claim with Royal Sundaram?

In the case of a planned hospitalisation, the insured member has to intimate Royal Sundaram 48 hours prior to admission or within 24 hours in the case of an emergency hospitalisation. 2 types of claims can be filed with Royal Sundaram:

1. Cashless claim: Visit a network hospital the insurer and display your health card at the helpdesk. The hospital will verify your identity details and submit a pre-authorisation request to the TPA or insurer. Upon approval, the hospital will provide cashless treatment to the insured member and the insurer will settle the bill directly with the hospital. Upon rejection, the insured member can seek treatment and pay for the medical expenses out of his or her pocket, then make a reimbursement claim after discharge.
2. Reimbursement claim: Submit a duly-filled reimbursement claim form along with the original medical documents to the insurer or TPA within 30 days of your discharge from the hospital. The insurer will approve or deny the claim as per the policy terms and conditions.

GST rate of 18% applicable for all financial services effective July 1, 2017.

Disclaimer: Premiums may vary depending upon factors like age, location and prevailing taxes/GST.