Bike, Car, Travel & Home Insurance Online - Royal Sundaram
Thumps_up
95%

Claims settled

health
10,000+

Hospital network

garage
24/7

Assistance

What is Health Insurance ?

Medical emergencies can catch you off guard, striking without warning. No matter how cautious you are about your health, the unexpected can happen. These situations not only bring physical challenges but often lead to mental and financial stress. Health insurance, also known as medical insurance, acts as your financial safety net in case of health issues, diseases, injuries, or accidents. It's like having a dependable friend by your side when you're unwell or facing tough times. Our plans include pre and post-hospitalization expenses, annual health check-ups, mental health support, critical illness coverage, maternity care, and more—all tailored to your unique needs.

Cashless hospital coverage

Enjoy hassle-free healthcare with our cashless hospital services. We take care of the paperwork and work directly with your hospital. Focus on your recovery, not the bills.

Tax savings up to Rs. 1 lakh U/S 80D

A health insurance plan is not only beneficial to cover your expenses in a medical emergency, it can also give you a tax rebate when you file your income tax returns.

Free periodic health checkups annually

Stay proactive with comprehensive health insurance. Prioritize preventive care and routine checkups. Choose the right policy for a healthier future.

Cover pre & post hospital expenses

Health insurance covers inpatient costs and extended expenses, including pre and post-hospitalization periods.

Royal Pro-Tip 1 : Rising Medical Costs
In a world where a Band-Aid can cost as much as a coffee, health insurance isn't just a choice, it's a shield against skyrocketing medical expenses.

Why choose Royal Sundaram’s Health Insurance ?

Trustworthy Insurance Partner for Over Two Decades

  • Exhaustive health cover

    Our medical insurance plans are designed to suit everyone's needs. Our different plans offer comprehensive and exhaustive health cover for individuals and families for all kinds of medical expenses.

  • Affordable premiums

    While it is important to have a robust health insurance policy, many people turn down opportunities to buy health insurance because of sky high premiums. Such is not the case with Royal Sundaram’s Health Insurance Plans.

  • Wide network of hospitals

    Royal Sundaram has one of the largest networks of affiliated hospitals - so you can avail medical care just about anywhere in the country.

  • Claim settlement ratio

    A claim settlement ratio refers to the percentage of claims that a health insurance provider settles among the total number of claims. We have a claim settlement ratio of 95%*. This means you can truly focus on recovery while we take care of your financial burden

Get started

Explore our Health Insurance Plans

Trustworthy Insurance Partner for Over Two Decades

Lifeline

Recommended For Individual & Family (2 adults, 4 children)

Key Features

  • No room rent capping
  • Ambulance cover upto ₹3000
  • 10% NCB and extends upto 50%
View Benefits

Premium starts at ₹ 367/mo

Sum Insured₹2L - ₹4L

Check premium

Key Features

  • No room rent capping
  • Ambulance cover upto ₹5000
  • 20% NCB and extends upto 100%
View Benefits

Premium starts at ₹ 477/mo

Sum Insured₹5L - ₹1Cr

Check premium

Key Features

  • No room rent capping
  • OPD Treatment
  • Maternity and New born Baby Cover
View Benefits

Premium starts at ₹ 2,844/mo

Sum Insured₹25L - ₹1.5Cr

Check premium
Multiplier Health Plan

Recommended For Individual & Family (2 adults, 4 children)

top

New launch

Key Features

  • No room rent capping
  • 20% no claim bonus for every claim free year
  • 11X your base Sum Insured in 5 claim free years
  • Asthma, high BP, high cholesterol & diabetes (ABCD) coverage benefits
View Benefits

Premium starts at ₹ 283/mo

Sum Insured₹5L - ₹25L

Check premium
Family Plus

Recommended For Extended family (up to 20 relations)

Key Features

  • No room rent capping
  • Covers Pre & Post hospitalization expenses
  • 20% no claim bonus for every claim free year
  • Covers day care treatments
  • Maternity & new born baby cover
View Benefits

Premium starts at ₹ 1,167/mo

Sum Insured₹2L - ₹15L

Check premium
Arogya Sanjeevani

Recommended For Individual & Family

Key Features

  • Ayush Treatment
  • Covers Pre and Post Hospitalization Expenses
  • Covers day care treatment
  • Modern or New-age treatments
  • Cataract Treatment
View Benefits

Premium starts at ₹ 170/mo

Sum Insured₹50K - ₹10L

Check premium
Advanced Top up plan

Recommended For Individual & Family (2 adults, 4 children)

Key Features

  • Day care treatment
  • Organ Donor expenses
  • Home Care Treatment
  • Life Protect Benefit
  • Ambulance Cover Including App-Based Cover
View Benefits

Premium starts at ₹ 449/mo

Sum Insured₹50K - ₹10L

Check premium
Do you want to see a detailed plan comparison ?

1500+ Cashless hospitals across India

Find your nearest tie-up hospitals

Bike Insurance Starting from ₹538

Locate cashless hospitals near you
map

What is included and excluded in Royal Sundaram’s health insurance policy ?

tab-img
Hospitalization Expenses

Coverage for in-patient hospitalization expenses, including room charges, doctor's fees, nursing charges, surgery charges, etc.

tab-img
Pre and Post Hospitalization Expenses

Medical expenses incurred before and after hospitalization for a specified period.

tab-img
Daycare Procedures

Coverage for certain medical treatments and surgeries that don't require 24-hour hospitalization, such as cataract surgery or dialysis.

tab-img
Ambulance Services

Reimbursement for ambulance services during emergencies.

tab-img
Domiciliary Treatment

Coverage for treatments received at home that would typically require hospitalization.

tab-img
Organ Transplant

Coverage for organ transplant surgeries and related expenses, as per policy terms and conditions .

tab-img
Maternity Coverage

:Coverage for maternity-related expenses, including pre and postnatal care, childbirth, and newborn care.

tab-img
No Room rent Capping

Experience freedom in your healthcare choices with no room rent capping. Our policy covers your room expenses up to your Sum Insured, ensuring you get the care you deserve without limitations.

tab-img
Specific Treatments

Some treatments or procedures will be excluded from coverage, such as cosmetic surgeries or alternative therapies etc.

tab-img
Non-Medical Expenses

Expenses not directly related to medical treatment, like administrative charges or phone bills.

tab-img
Pre-Existing conditions

Pre-existing conditions are excluded from the coverage during the waiting period.

tab-img
Self-Inflicted Injuries

Treatment for, or arising from, an injury that is intentionally self-inflicted is excluded.

tab-img
30 Days Waiting period

No coverage for illnesses within the first 30 days of the policy, except for accidents, promoting responsible healthcare planning.

tab-img
Injury due to participation in Hazardous Activities

Injuries sustained while participating in hazardous activities like extreme sports will not be covered.

tab-img
Cosmetic or plastic surgery / Procedures

Procedures performed for cosmetic purpose or plastic surgery excluded

tab-img
War or Acts of Terrorism

Treatment for any illness or injury caused due to war, acts of terrorism, or nuclear events are excluded.

A Step-by-Step Guide to file a health insurance claim

Cashless hospitalization

Hassle-free treatment at network hospitals without upfront payments, with insurance company settling medical bills directly.

1

Initiate the claim process

Insured files claim with TPA in the Hospital within 24 hours of emergency hospitalization and 72 hours prior to elective hospitalization.

2

Hospital will intimate us

In case of cashless hospitalization, the hospital will let us know and we will process the claim.

3

Bill settlement

When you are discharged, we will directly settle the bill with the hospital.

Reimbursement

Submit your medical bills for reimbursement after paying upfront. The insurer reviews and reimburses covered expenses based on policy terms.

1

Notify us

within 24 hours of emergency hospitalization and 72 hours prior to elective hospitalization.

2

Send your medical bill to TPA

On discharge from the hospital, the insured person must send, all medical treatment invoices and reports to Royal Sundaram.

3

Initiate reimbursement

We will verify the claim and reimburse the insured person for their expenses.

Royal Pro-Tip 2 : Zero Room rent capping
You get to choose any hospital room you want for your treatment, even the ICU if you need it. Just make sure that the cost doesn't go over your total coverage amount.

Things you should keep in mind while buying health Insurance

When availing health insurance, assess your needs and opt for the coverage that aligns with your specific requirements.

Adequacy of Sum Insured

Please ensure the opted Sum Insured is adequate for any possible large claim in the future.It is recommended that you opt for any Sum Insured starting from Rs 5 lakhs and above.

Right coverage

Choose a suitable plan considering age, lifestyle, and health conditions. Prioritize a plan that accommodates future healthcare expenses without burden.

Network hospitals

Always check for network of hospitals that offer cashless hospitalisation. This means your insurance provider will settle the hospital bills directly and you don’t have to worry about payments.

Maternity benefits

Want to start a family? Prenatal health care can be expensive. Look for a plan that offers maternity cover as well as infant cover.

Pre & post hospitalization

Make sure your health insurance policy that you select covers both pre and post hospitalization expenses, offering comprehensive support for your healthcare needs

Preventive health care

Look for a health insurance policy that offers to cover the cost of regular medical checkups and offers cover for disease management.

Don’t wait! Find best policy in just 3 steps

Trustworthy Insurance Partner for Over Two Decades

  • Sum Insured
  • Member details
  • City
  • 1

    Sum Insured

  • 2

    Member details

  • 3

    City

What Sum Insured do you prefer ?
Most popular
  • Sum Insured
  • Member details
  • City
  • 1

    Sum Insured

  • 2

    Member details

  • 3

    City

arrow
  • Sum Insured
  • Member details
  • City
  • 1

    Sum Insured

  • 2

    Member details

  • 3

    City

+91

How much deduction you can avail under section 80D

Take a look at the tax benefit you can get by investing in health insurance.

Policy for?

Deduction for self & family

Deduction for parents

Preventive health check-up

Maximum deduction

Self & Family

(below 60 years)

₹25,000

-

₹5,000

₹25,000

Self & Family + Parents

(all of them below 60 years)

₹25,000

₹50,000

₹5,000

₹50,000

Self & Family (below 60 years)

+ Parents (above 60 years)

₹25,000

₹50,000

₹5,000

₹75,000

Self & Family + Parents

(above 60 years)

₹50,000

₹50,000

₹5,000

₹1,00,000

Cashless hospitalisation by Royal Sundaram's health insurance

Check out our popular affiliated cashless hospitals with state of the art healthcare facilities and trained medical professionals.

Medi Assist Insurance TPA

External
download list

Paramount health service

External
download list

Looking for something else?

Explore other relevant options here

Select options
Get started

Policy detailed comparison

Trustworthy insurance partner for over two decades

Plan comparison

Lifeline - Classic

Cover amount ₹2L - ₹4 L

Starts at ₹789/mo

Check premium
Lifeline - Supreme

Cover amount ₹5L - ₹1Cr

Starts at ₹2300/mo

Check premium
Lifeline - Elite

Cover amount ₹25L - ₹1.5Cr

Starts at ₹3400/mo

Check premium
Family plus

Cover amount ₹2L - ₹15L

Starts at ₹789/mo

Check premium
Multiplier

Cover amount ₹2L - ₹15L

Starts at ₹789/mo

Check premium
Arogya sanjeevani

Cover amount ₹25L - ₹1.5Cr

Starts at ₹789/mo

Check premium

Sum Insured is the maximum amount an insurance policy will pay for a covered loss.

2/3/4 Lacs

5/7.5/10/15/20/25/50/100 lacs

25/30/50/100/150 Lacs

Ind (2,3,5,10,15) + Floater(3,4,5,10,15,25,30,50)

5/7.5/10/15/20/25 Lacs

1L to 10L(Multiplies of 50K)

Regular screenings to detect issues early, promoting overall well-being

Once in 2 years

Annual

Annual

Not Covered

Annual

Not Available

Limit on daily expenses for hospital room in health insurance.

No Room Rent Capping

No Room Rent Capping

No Room Rent Capping

No Room Rent Capping

No Room Rent Capping

2% of SI up to a maximum of Rs. 5K/in ICU 5% of SI up to maximum of 10K

insurance provision for ambulance services during emergencies.

Up to Rs.3,000

Up to Rs.5,000

Up to Rs.10,000

Up to Rs.4,000

Up to Rs.5,000

Up to Rs.2,000

Coverage in health insurance for expenses related to organ transplantation, including medical procedures and donor costs.

Covered upto SI

Covered upto SI

Covered upto SI

Covered upto SI

Covered upto SI

Covered upto SI

Medical treatment received while admitted to a hospital

Covered up to SI

Covered up to SI

Covered up to SI

Covered up to SI

Covered up to SI

Covered up to SI

Caps on coverage for certain illnesses or conditions in health insurance.

No Disease specific Sublimits

No Disease specific Sublimits

No Disease specific Sublimits

No Disease specific Sublimits

No Disease specific Sublimits

25% of SI or Rs. 40K whichever is lower per eye

Health insurance coverage for alternative and traditional forms of medicine, such as Ayurveda,

Government Hospitals - Covered upto SI; Other Hospitals - Covered upto Rs.20,000

Government Hospitals - Covered upto SI; Other Hospitals - Covered upto Rs.30,000

Government Hospitals - Covered upto SI; Other Hospitals - Covered upto Rs.50,000

Government Hospitals - Covered upto SI; Other Hospitals - Covered upto Rs.30,000

Covered upto SI

Covered upto SI

Health insurance coverage for necessary vaccinations and medical treatment following an animal bite to prevent infections and complications.

Upto Rs.2,500

Upto Rs.5,000

Upto Rs.7,500

Upto Rs.5,000

Upto Rs.5,000

Not Available

Health insurance provision for transporting a patient from one medical facility to another as recommended by their doctor,

Not Covered

Covered upto Rs.1lakh

Covered upto Rs.3 lakh

Not Covered

Covered upto Rs.1lakh

Not Available

Health insurance coverage for emergency hospitalization and medical treatment while traveling abroad, excluding the United States and Canada

Not Covered

Not Covered

50% of Base SI, upto Max 20 Lakhs.

Not Covered

Not Covered

Not Available

Health insurance coverage that allows for medical treatment outside of your home country for 11 specified critical illnesses

Not Covered

Not Covered

Covered upto SI, Airfare upto Rs.3 Lakhs

Not Covered

Not Covered

Not Available

Health insurance provision for covering outpatient dental expenses

Not Available

Not Available

Covered once in 2 years with limit of 30% of OPD SI

Not Available

Not Available

Not Available

Covert your base plan as top up plan

Available with Deductible of Rs.1, 2, 3, 4, 5 and 10 lakhs

Available with Deductible of Rs.1, 2, 3, 4, 5 and 10 lakhs

Not Available

Not Available

Not Available

Not Available

This cover helps with out-of-pocket expenses like travel and food for attenders during the hospital stay.

Rs.1,000/day

Rs.2,000/day

Rs.5,000/day

Rs.2,000/day

Not Available

Not Available

Enjoy benefits like APP based cab coverage (Ola, Uber, etc.)

Not Available

Covered as a part of Ambulance Cover

Covered as a part of Ambulance Cover

Not Available

Available

Not Available

If a 5% Co-payment is chosen, the insurer will pay 95% of the eligible claim amount, and the customer will receive a 5% premium discount

Available

Available

Available

Available

Available

upto 5% as inbuilt

An additional feature in health insurance that covers the cost of consumable medical items used during hospitalization, such as gloves,

Upto 50K/Hospitalization

Upto 50K/Hospitalization

Upto 50K/Hospitalization

Not Available

Upto 50K/Hospitalization

Not Available

This cover provide personalized guidance on diet, nutrition, and exercise, along with free video consultations with doctors.

Available for 2A

Available for 2A

Available for 2A

Available for 2A

Available for 2A

Not Available

Coverage in health insurance that includes medical expenses incurred both before and after a hospital stay.

30/60 days, Covered upto SI

60/90 days, Covered upto SI

60/180 days, Covered upto SI

60/90 days, Covered upto SI

60/180 days, Covered upto SI

30/60 days, Covered upto SI

The age at which an individual is eligible to purchase or enroll in an insurance policy,

91days to No Limit

91days to No Limit

91days to No Limit

91days to No Limit

91days to 65

91days to 65

A reward or discount offered by insurance providers to policyholders who do not file any claims during a specified policy period.

10% of Base SI upto a max of 50% of SI. NCB Does Not decrease in case of claim

20% of Base SI upto a max of 100% of SI. NCB Does Not decrease in case of claim

20% of Base SI upto a max of 100% of SI. NCB Does Not decrease in case of claim

20% of Base SI upto a max of 100% of SI. NCB Does Not decrease in case of claim

20% of Base SI upto a max of 100% of SI. NCB Does Not decrease in case of claim

5% in respect of each claim free year subject to a maximum of 50% of SI, in the event of claim Cumulative Bonus shall be reduced at the same rate.

A feature that allows for the replenishment or restoration of the Sum Insured amount after it has been fully exhausted during the policy year.

Upto Base SI.

Upto Base SI.

Upto Base SI.

Upto Individual Base SI.

Available upto 100% of Base Sum Insured even for same

Not Available

Not Covered

Not Covered

Not Covered

Not Covered

Multiplier benefit will increase the Sum Insured including NCB up to 4 times

Not Covered

Health insurance programs and benefits designed to promote and maintain overall health and well-being

Available

Available

Available

Not Available

Not Available

Not Available

An insurance feature that provides policyholders with the option to seek a second medical opinion from a qualified specialist when diagnosed with one of the specified critical illnesses covered by the policy.

Not Covered

Available once during the policy period

Available once during the policy period

Not Covered

Total 22 CI covered

Not Covered

Provides coverage for the medical expenses related to childbirth for a maximum of two pregnancies.

Not Covered

Not Covered

Covered, as per limits in the plan

Covered, as per Limits upto 50K

Not Covered

Not Covered

A component of health insurance that provides coverage for medical expenses incurred by a newborn baby during the first 90 days of life.

Not Covered

Not Covered

Covered, as per limits in the plan

Covered with mother's Individual SI

Not Covered

Not Covered

Vaccination for newborns in the first year is crucial for disease prevention.

Not Covered

Not Covered

Covered upto Rs.10000

Covered upto Rs.10,000

Not Covered

Not Covered

A health insurance feature that reinstates the original coverage amount once it's fully utilized in a policy year,

Not Available

Once in a lifetime, for the same illness.

Once in a lifetime, for the same illness.

Not Available

Available as in-built

Not Available

Health insurance provision offering coverage for hospitalization and medical treatment facing life-threatening medical conditions.

Not Available

Up to Rs 1,00,000

Up to Rs 2,00,000

Not Available

Available from 2 year upto 50% of claim amount max 2L

Not Available

A medical procedure performed to assist with weight loss in individuals with severe obesity.

Not Available

Up to Rs 50,000, with a 6 year waiting period.

Up to Rs.2 Lakhs with a 6 year waiting period.

Not Available

Available

Not Available

Not Available

Up to 5% of SI or Rs 50,000 (whichever is lower)

Upto Rs 50,000

Not Available

Covered

Not Available

Not Available

Available

Available

Not Available

Inbuilt cover

Not Available

Health insurance coverage that extends international medical treatment options for three more specified critical illnesses,

Not Available

Not Available

Available

Not Available

Not Available

Not Available

Not Available

Not Available

Covered upto Rs.2.5 Lakhs

Not Available

Not Available

Not Available

Not Available

No Zone based Co-pay

No Zone based Co-pay

Not Available

Not Available

Not Available

A specific period after the start date of an insurance policy during which certain benefits, such as coverage for pre-existing conditions or specific treatments, may not be available.

30 Days

Available

30 Days

30 Days

30 Days

30 Days

A predefined waiting period within an insurance policy during which coverage is not provided for certain specific conditions, treatments, or services.

24 Months

24 Months

24 Months

24 Months

24 Months

24 Months

A waiting period in health insurance policies that specifically applies to pre-existing diseases (PED). During this waiting period, coverage for treatment related to pre-existing conditions is not available.

48 Months

36 Months

24 Months

36 Months

36 Months

48 Months

What factors influence insurance premiums and how are they calculated ?

The premium in insurance refers to the amount of money paid by the policyholder to the insurance company in exchange for coverage and its influenced by insured members age, city, lifestyle, BMI, Occupation type, etc

Have more questions about your health insurance? Learn more about how health insurance works.

How is it calculated

Insurance plan

Insurance plan determines premium and coverage. Higher and number of insured individuals affect premium.

Pre-existing medical conditions

Pre-existing medical conditions may increase premium and have a waiting period for claims.

Lifestyle

Lifestyle impacts health insurance premium - higher for smokers due to increased health risks.

Age

Age impacts health insurance premium - lower for youth, higher with age. Purchase early for better coverage and potential bonuses.

Location

Location affects premium cost - discounts available in select cities.

Take care of your health with Royal Sundaram’s BMI calculator

BMI is vital for health insurance as it assesses weight and risk. It influences coverage and premiums. Maintaining a healthy BMI leads to better coverage and lower premiums. It highlights the importance of a healthy weight for favorable insurance.

gauge_blue pointer
  • Underweight : 18.6
  • Overweight : 39.9
  • Normal : 24.9
  • Obese: > 40
Great shape

Maintaining a health BMI for lower insurance premiums. Explore our plans now!

Your BMI

156 cm (5.1 ft)
158 cm (5.2 ft)
162 cm (5.3 ft)
165 cm (5.4 ft)
168 cm (5.5 ft)
170 cm (5.6 ft)
gauge_blue pointer
  • Underweight : 18.6
  • Overweight : 39.9
  • Normal : 24.9
  • Obese: > 40

Your BMI

Great shape

Maintaining a health BMI for lower insurance premiums. Explore our plans now!

Trusted by 2 crore + happy customers

We Prioritize service and satisfaction and always try to give our best for all our customers.

profile
profile
profile
profile
profile
profile
profile
profile
profile
profile
profile
profile
profile
profile
profile
profile
profile
profile
profile
profile
profile
profile
profile
profile
profile
profile
comma
VM SUNDARAM

I wanted to take a moment to say thank you for your excellent and quick service. I really appreciate the help you provided, and I'm happy with the work you did for me. It was a tough task for me, but your staff's support made it easier. I've been a member of your insurance company for four years, and I'm glad I chose ROYAL SUNDARAM insurance. Even on the weekend, the claim process went smoothly, and I'm grateful for how your employees communicated with me and approved my request within just one day. Your company's commitment is truly remarkable, and I want to thank you again for your support.

I wanted to take a moment to say thank you for your excellent and quick service. I really appreciate the help you provided, and I'm happy with the work you did for me. It was a tough task for me, but your staff's support made it easier. I've been a member of your insurance company for four years, and I'm glad I chose ROYAL SUNDARAM insurance. Even on the weekend, the claim process went smoothly, and I'm grateful for how your employees communicated with me and approved my request within just one day. Your company's commitment is truly remarkable, and I want to thank you again for your support.

comma
SWAMINATHAN R S

I want to mention how impressed I am with the quick response from your office. The survey was promptly scheduled and conducted, and the approval was given in a timely manner. I am truly delighted with how you handled my claim. Your explanation and settlement of the claim amount left me satisfied. I never expected such a smooth and efficient process from an insurance company. I am very thankful to you and the management for the support you provided. Your response and handling of the situation were excellent. I am looking forward to renewing my policy with your company and will also recommend others to consider your services. Keep up the good work!

I want to mention how impressed I am with the quick response from your office. The survey was promptly scheduled and conducted, and the approval was given in a timely manner. I am truly delighted with how you handled my claim. Your explanation and settlement of the claim amount left me satisfied. I never expected such a smooth and efficient process from an insurance company. I am very thankful to you and the management for the support you provided. Your response and handling of the situation were excellent. I am looking forward to renewing my policy with your company and will also recommend others to consider your services. Keep up the good work!

comma
V SARAVANAKUMAR

In April of last year, I reached out to your company to file an insurance claim for my vehicle, Vitara Breeza. I am delighted to share that Mr. Kalimuthu from your company, Valuor, provided me with full support throughout the process until I received my vehicle. I want to express my heartfelt gratitude to your company for this excellent service. Thank you very much!

In April of last year, I reached out to your company to file an insurance claim for my vehicle, Vitara Breeza. I am delighted to share that Mr. Kalimuthu from your company, Valuor, provided me with full support throughout the process until I received my vehicle. I want to express my heartfelt gratitude to your company for this excellent service. Thank you very much!

comma
Sathya M

I want to extend my gratitude for helping me with the windshield replacement for my car. Your service was incredibly fast and hassle-free. I truly appreciate the timely assistance, and I'd like to give special thanks to Mr. Kiran for organizing the team. Thank you once again!

I want to extend my gratitude for helping me with the windshield replacement for my car. Your service was incredibly fast and hassle-free. I truly appreciate the timely assistance, and I'd like to give special thanks to Mr. Kiran for organizing the team. Thank you once again!

comma
Rabindra Nath Singh

I had a very pleasant and trouble-free experience during the settlement of my claims after a mishap and narrow escape. The surveyor and office executives played a crucial role in making the process smooth, and I highly appreciate their help. Thank you for the excellent service.

I had a very pleasant and trouble-free experience during the settlement of my claims after a mishap and narrow escape. The surveyor and office executives played a crucial role in making the process smooth, and I highly appreciate their help. Thank you for the excellent service.

comma
Dr.A.Arul Prakash

I want to express my gratitude for the swift action taken on my car claim. You inspected the vehicle on the very same day I made the request and provided prompt confirmation and assurance for the claim approval. I am delighted to be associated with Royal Sundaram for their spontaneous help, which has strengthened my trust in being a loyal customer for future insurance needs as well. Thank you for your excellent service!

I want to express my gratitude for the swift action taken on my car claim. You inspected the vehicle on the very same day I made the request and provided prompt confirmation and assurance for the claim approval. I am delighted to be associated with Royal Sundaram for their spontaneous help, which has strengthened my trust in being a loyal customer for future insurance needs as well. Thank you for your excellent service!

comma
Raj Kumar

I am extremely satisfied with my experience with Royal Sundaram Insurance and workshop Yash Motors. Both companies have maintained a high level of service quality, which I greatly appreciate. The fast approval process from Royal Sundaram and the on-time delivery of my car by Yash Motors have been highly commendable. Overall, it has been an excellent experience, and I am very happy with the services provided.

I am extremely satisfied with my experience with Royal Sundaram Insurance and workshop Yash Motors. Both companies have maintained a high level of service quality, which I greatly appreciate. The fast approval process from Royal Sundaram and the on-time delivery of my car by Yash Motors have been highly commendable. Overall, it has been an excellent experience, and I am very happy with the services provided.

comma
Muskan Samnani

We are grateful to Royal Sundaram for the prompt settlement of my car claim. The quick service and the polite and patient communication with Mr. Vishal were exactly what I needed as a customer. My vehicle claim was settled hassle-free, and this experience convinced me to continue with Royal Sundaram insurance. I would happily recommend it to my friends as well. Thank you for the excellent service!

We are grateful to Royal Sundaram for the prompt settlement of my car claim. The quick service and the polite and patient communication with Mr. Vishal were exactly what I needed as a customer. My vehicle claim was settled hassle-free, and this experience convinced me to continue with Royal Sundaram insurance. I would happily recommend it to my friends as well. Thank you for the excellent service!

comma
Divyanshu Girdhar

I am thankful for Mr. Tushar Mishra's outstanding service in helping me successfully get a cashless claim for my Hyundai Grandi10. His efficiency, gracious customer service, and quick resolution are truly appreciated. Thank you for the excellent service!

I am thankful for Mr. Tushar Mishra's outstanding service in helping me successfully get a cashless claim for my Hyundai Grandi10. His efficiency, gracious customer service, and quick resolution are truly appreciated. Thank you for the excellent service!

comma
Dr Chacko Kalliath

I'm delighted with the service from Royal Sundaram. The experience was friendly, hassle-free, and Mr. Mohankumar was incredibly helpful. I'm glad the claims process was fast and stress-free. Thank you so much! Wishing you a happy and prosperous New Year.

I'm delighted with the service from Royal Sundaram. The experience was friendly, hassle-free, and Mr. Mohankumar was incredibly helpful. I'm glad the claims process was fast and stress-free. Thank you so much! Wishing you a happy and prosperous New Year.

comma
Anuradha Ananth

I appreciate Mr. Anand's quick response and kind assistance in reviving the policy. Thanks to Mr. Anand and the team.

I appreciate Mr. Anand's quick response and kind assistance in reviving the policy. Thanks to Mr. Anand and the team.

comma
Dr. Ramani Mabel

Mr. Dinesh has been very sincere and supportive throughout our interaction these 4 days. Amazing support from Royal Sundaram.

Mr. Dinesh has been very sincere and supportive throughout our interaction these 4 days. Amazing support from Royal Sundaram.

comma
Joseph Augustine

Thank you, for sending me the amended Policy with the change in the salutation. I appreciate your speedy and professional support and the way you kept me informed at each stage of the progress. Keep up the good work.

Thank you, for sending me the amended Policy with the change in the salutation. I appreciate your speedy and professional support and the way you kept me informed at each stage of the progress. Keep up the good work.

comma
Praful Roogi

I appreciate your concern and care towards helping me. Based on this positive support, I have renewed my Policy without considering any other brand. Thank you again for your support.

I appreciate your concern and care towards helping me. Based on this positive support, I have renewed my Policy without considering any other brand. Thank you again for your support.

comma
Rajesh V

Keshav, please accept my appreciation for the excellent job in renewing my policy.

Keshav, please accept my appreciation for the excellent job in renewing my policy.

comma
Bijoy Manarkattu

Thank you for taking keen interest in solving my problem. Employees like you are the backbone of M/s Royal Sundaram general insurance company. I appreciate your dedication.

Thank you for taking keen interest in solving my problem. Employees like you are the backbone of M/s Royal Sundaram general insurance company. I appreciate your dedication.

comma
Rajeev Juneja

Thanks to the entire Royal Sundaram Team. You people have actually gone out of the way and helped complete this renewal. My father is a happy man. Special thanks to Mr. Dinesh Kumar and Anitha ma'am who spent considerable time with me today to complete the process. Best regards to all.

Thanks to the entire Royal Sundaram Team. You people have actually gone out of the way and helped complete this renewal. My father is a happy man. Special thanks to Mr. Dinesh Kumar and Anitha ma'am who spent considerable time with me today to complete the process. Best regards to all.

comma
Harsh Vardhan

The complete renewal process was quite smooth compared to previous years. I appreciate all the follow-ups done by you and the complete health retention team. I'll give 5 stars for your service and follow-ups. I hope this will remain the same going forward.

The complete renewal process was quite smooth compared to previous years. I appreciate all the follow-ups done by you and the complete health retention team. I'll give 5 stars for your service and follow-ups. I hope this will remain the same going forward.

comma
Vinishya Ravichandran

Happy customer with family health cover. Queries resolved immediately by customer support team, especially Rajesh, trained well by Mr. Sanjeevi.

Happy customer with family health cover. Queries resolved immediately by customer support team, especially Rajesh, trained well by Mr. Sanjeevi.

comma
Gitesh Kumar Patle

Thanks to Rajesh and team for the smooth policy endorsement with correct vehicle details. Timely response and excellent help. Keep up the good work.

Thanks to Rajesh and team for the smooth policy endorsement with correct vehicle details. Timely response and excellent help. Keep up the good work.

comma
Rahul Nimase

Thank you, Mary, for your support throughout the process. You went above and beyond to help me.

Thank you, Mary, for your support throughout the process. You went above and beyond to help me.

comma
Pawan Kumar Sharma

Thank you for the information and excellent service. My father's cataract problem was resolved. Thanks again.

Thank you for the information and excellent service. My father's cataract problem was resolved. Thanks again.

comma
Surya Pratap Singh Rathore

Thank you for the amazing customer service. You were polite and confident. Great experience.

Thank you for the amazing customer service. You were polite and confident. Great experience.

comma
Jayesh C Patel

Thank you, Mr. Dinesh Kumar, for sorting out my policy renewal issue and providing solutions promptly.

Thank you, Mr. Dinesh Kumar, for sorting out my policy renewal issue and providing solutions promptly.

comma
Amrit Nath

Thank you, Ms. Shembau, for your quick and customer service-oriented approach in renewing my policy.

Thank you, Ms. Shembau, for your quick and customer service-oriented approach in renewing my policy.

comma
Joginder Pal

Thank you for the caring words and regular updates. Royal Sundaram's experience has been terrific.

Thank you for the caring words and regular updates. Royal Sundaram's experience has been terrific.

More questions bike multiplier health We have answers

FAQs on Two Wheeler Insurance Policy

When you have a health insurance policy, there are essential steps to comprehend for managing emergency medical expenses:

  1. Annual Premiums: You pay yearly premiums as per your chosen health plan, maintaining your coverage.
  2. Medical Treatment: If you or other policyholders need medical treatment, contact either Royal Sundaram or the TPA office at the hospital.

Any Indian resident aged 18 and above is eligible. Age limits for coverage vary; generally, it's 18 to 65 years. Coverage for newborns can be added to family plans after 90 days. Senior citizen plans typically start at 60 years.

Yes, you can purchase multiple Health Insurances based on your medical needs.

Different plans suit different individuals:

  • Individual Health Insurance
  • Family Floater Health Insurance
  • Senior Citizen Health Insurance
  • Critical Illness Insurance
  • Maternity Health Insurance

Along with annual payments, Royal Sundaram allow monthly, quarterly, or semi-annual payments.

Buying early brings benefits like lower premiums, higher covers, and bonus advantages. Also, it helps manage personal and medical loans.

Yes, under Section 80D of the Income Tax Act, you can claim tax benefits up to the specified amount as per IT act.

Certainly, including lower premiums, better cover, wellness benefits, and tax advantages.

Opt for comprehensive plans that suit your needs, including services, medical care network, access to insurers, settlements, and additional services.

Not a direct discount, but a no-claim or cumulative bonus can offer reduced premiums or increased coverage after claim-free years.

In cases of organ transplant, donor expenses cover hospitalization costs for the donor except the organ cost.

Ensure it covers hospitalization, ambulance, PPE kits, medicines, consultations, and ICU expenses.

It's a medical condition already affecting the person applying for insurance, such as diabetes or high blood pressure.

Yes, but terms may include waiting periods or higher premiums.

Individual plans' waiting periods can be reduced for an extra premium. Group plans and senior citizen plans might have different provisions.

If diagnosed with a condition like diabetes during the waiting period, it's not considered pre-existing, and you can claim expenses.

Health insurance providers typically extend coverage to various family members under family floater plans, including:

  • Self
  • Spouse
  • Children (above 3 months and below 18 years)
  • Dependent parents
  • Parents-in-law
  • Siblings

Yes, Royal Sundaram insurance have an extensive network of affiliated hospitals where you can make health insurance claims. However, it's advisable to check your insurance policy for any clauses that mention geographical limitations.

You can consider increasing the Sum Insured or adding value-added benefits to your existing health insurance plan during policy renewal each year.

No, there is usually a cooling-off period of 15-30 days after purchasing a health insurance policy before it becomes active. Some policies, especially those with an accident cover, might offer coverage from the next day. Additionally, if you have pre-existing medical conditions, there's a waiting period that can range from 1 to 4 years.

Maternity coverage is typically not included in standard health insurance policies unless specified. If maternity costs are covered, there's usually a waiting period of 2 to 4 years before you can claim these expenses. However, policies that include maternity coverage often come with higher premiums.

Health insurance renewal premiums can increase over time due to various reasons. Let's explore these factors briefly:

Age Bracket Change

Health insurance premiums are often structured based on age brackets. Moving to a different bracket due to age results in a premium increase.

COVID-19 Impact

While natural disasters impact specific regions, the unprecedented scope of the COVID-19 pandemic has led to increased claims nationwide, prompting insurance premium adjustments.

Inflation Effect

Inflation significantly influences health insurance premium rates. Rising medical costs necessitate higher premiums as treatments become costlier over time.

Unused coverage doesn't result in a refund. Instead, policyholders may receive a no claim bonus, provided by the insurer.

Policyholders not making claims during their coverage period often receive a cumulative bonus during renewal. This bonus increases the Sum Insured each claim-free year, with a specified limit. It applies to indemnity-based plans upon continuous renewal.

Yes, you can cancel your health insurance within 15 days of receiving policy documents or before the policy becomes active, adhering to terms in the insurance contract.

Royal Sundaram offer grace period for premium payment, of 60 days after the renewal date. Failure to pay may lead to policy cancellation, denial of coverage, or renewal.

Yes, policyholders can transfer their existing health insurance to another provider per guidelines issued by the Insurance Regulatory and Development Authority (IRDA). This ensures you can shift insurers without sacrificing benefits.

During certain medical emergencies, such as accidents, taking the policyholder to an affiliated network hospital might not be feasible. In such cases, health insurance claims are still possible, though cashless hospitalization might not be available. The policyholder would need to cover the medical expenses and later submit the bills to the health insurance provider for reimbursement.

When making a health insurance claim, the policyholder typically needs the following documents:

  • Proof of identity
  • Proof of insurance
  • Health card
  • Hospital bills

A no claim bonus can result in either a premium discount or a cumulative benefit, translating to increased Sum Insured without additional payment. Most providers offer a 5% cumulative bonus on the Sum Insured for each claim-free year. For instance, if the Sum Insured is ₹5 lakhs, after the first year of no claims, the policyholder gains an extra coverage of ₹25,000. This accrues for consecutive years without claims, potentially doubling the Sum Insured within a few years.

When purchasing health insurance, a free look period (typically 15 days) is provided for policy evaluation. Only after this period does the health insurance policy become active.

Acquiring health insurance, whether online or offline, is straightforward. The necessary documents include:

  • Proof of identity and age: Aadhar, PAN, Passport, Voter ID card, Driving license
  • Proof of residence: Aadhaar, Passport, Voter ID card
  • Medical check-up documents

Your health insurance policy generally covers medical treatment up to a predetermined amount. As long as this limit is not surpassed, you can make multiple claims within a year.

Health Insurance Policy terms and conditions:

We request you to carefully read and understand the Terms and Conditions, before you buy the Policy. All claims are processed strictly according to it. Please speak or chat with our Customer Support Team, if you need any clarification.

Policy wording documents

Lifeline Policy Wordings Family plus Policy Wordings Arogya Sanjeevani Policy Wordings Multiplier policy wordings Advanced top-up policy wording Divyang policy wordings
Terms and Conditions

1. Consent for Communication:

By submitting my contact number and email ID, I authorize Royal Sundaram to call, send SMS, messages over internet-based messaging applications like WhatsApp, and email to offer me information and services for the product(s) I have opted for as well as other products/services offered by Royal Sundaram General Insurance Limited.

2. Premium Payment:

I declare that the premium paid under this transaction to Royal Sundaram General Insurance Limited is being paid by me as the proposer/policyholder through a bank account or a Credit/Debit Card or a Prepaid Payment Instrument or a UPI wallet (Wallet), held by me in my name as a primary holder (referred to as "source account"). I confirm that it is not a third-party payment made by any other person on my behalf. I understand that in the event of policy cancellation, the refund of premium as per policy terms and conditions may be credited back to such source account, and such electronic transfer will constitute full and final discharge of the Company's obligation.

3. Authorization and Sharing of Information:

We authorize the Company to share information pertaining to my proposal, including medical records, for the sole purpose of proposal underwriting and/or claims settlement with any Governmental and/or Regulatory authority. Further, I agree that I shall not lodge any complaint to TRAI of any alleged unsolicited by Royal Sundaram to me, as part of their policy/claims servicing.

4. Information Sharing:

I hereby permit/authorize Royal Sundaram General Insurance Company Limited to collect, store, communicate, and process information relating to the policy(ies) and all transactions related therewith, including the sharing and disclosing the public authorities of any confidential information as required by law.

For any further information or clarification, please feel free to contact Royal Sundaram Insurance at the following contact details:

Royal Sundaram General Insurance Co. Limited

Corporate Office Address :

Vishranthi Melaram Towers, No.2/319 , Rajiv Gandhi Salai (OMR), Karapakkam , Chennai - 600097.

Telephone : 91-44-7117 7117

Fax : 044 – 7117 7140

Lifeline Classic benefits
Key features
  • Pre and Post Hospital Expenses

    Covered for 30/60 days up to Sum Insured

  • No claim Bonus

    Earn 10% of Base Sum Insured ,every claim-free year, up to a maximum of 50%.

  • Health Check up

    You are entitled to a complimentary health check-up once every two years.

  • Organ Donor Expenses

    Expenses related to organ donation are covered up to the Sum Insured.

  • Maternity benefit for mother and new born child

  • Worldwide emergency hospitalization

  • International treatment for 11 specified critical Illness

  • IVF treatment

  • OPD treatment Not covered

Lifeline Supreme benefits
Key features
  • Annual Health Check up

    Enjoy a free annual health check-up, ensuring you can prioritize your well-being and stay on top of your health journey

  • No claim Bonus

    Earn 20% of Base Sum Insured, every claim free year up to a maximum of 100%

  • Ayush Treatment

    We've got you covered for inpatient care at hospitals under Ayurvedha , Unani , Sidha or homeopathy treatment forms.

  • Ambulance coverage

    Up to ₹5,000 per hospitalization

  • Pre and Post Hospitalization

    We've got your back even before and after your hospital stay! . 60/90 days, up to the Sum Insured

  • Emergency Domestic evacuation

    Upto Rs.1 lakh available once during Policy Period in case of medical emergency and on advise of treating doctor.

  • Maternity benefit for mother and new born child

  • Worldwide emergency hospitalization

  • International treatment for 11 specified critical Illness

  • IVF treatment

  • OPD treatment Not covered

Lifeline Elite benefits
Key features
  • OPD (OPD treatment)

    We've got you covered for OPD expenses up to ₹10,000. Your well-being is our top priority!

  • Pre existing Disease waiting Period

    we offer a waiting period for pre-existing diseases as low as 24 months.

  • Annual health Check up

    Enjoy a free annual health check-up, ensuring you can prioritize your well-being and stay on top of your health journey.

  • Maternity and new born baby cover

    Maternity coverage for up to two deliveries. Not only that, your newborn baby will also be covered, ensuring their well-being right from the start.

  • Worldwide Emergency Hospitalization

    No matter where life takes you, rest easy knowing that our health insurance provides worldwide hospital coverage*

  • Ambulance coverage

    Up to ₹10,000 per hospitalization

  • Pre-Existing diseases in first 24 Months

  • Treatment for any illness in the first 30 days

  • 90 days initial waiting period for Critical Illness

Multiplier benefits
Key features
  • No claim bonus

    Earn 20% of Base Sum Insured, every claim free year up to a maximum of 100%

  • Pre and post hospitalization

    We've got your back even before and after your hospital stay! . 60/90 days, up to the Sum Insured.

  • ABCD benefit

    Customers with conditions like Asthma, Blood Pressure, Cholesterol, and Diabetes (ABCD) get special coverage, starting from the 31st day upon underwriting acceptance for timely support

  • Worldwide emergency hospitalization

  • OPD treatment

  • IVF treatment

  • Maternity expenses

Family plus benefits
Key features
  • Maternity Benefits

    Maternity Cover for up to 2 Deliveries

  • Inpatient Care

    Covered Up to Base Sum Insured

  • No Claim Bonus

    Earn 20% of Base Sum Insured upto a max of 100%

*For complete list of Inclusions and exclusions download policy brochure

  • Worldwide emergency hospitalization

  • In-Vitro Fertilization (IVF) Treatment

  • Mobility Devices-wheel chairs/ crutches etc.

  • Bariatric Surgery

Arogya Sanjeevani policy
Key features
  • Room Rent Capping

    Covered Up to 2% of Sum Insured, Max ₹5,000/Day

  • Pre and post hospitalization expenses

    Covered for a period of 30 / 60 days before and after hospitalization, upto Sum Insured

  • Ayush treatment

    Ayush treatment covers inpatient care treatment under Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy system of medicines.

  • Co-Payment

    Each and every claim under the policy shall be subject to a co-Payment of 5%

  • No claim Bonus

    Earn 5% of Sum Insured, every claim free year up to a maximum of 50%.
    *In the event of claim the cumulative bonus shall be reduced at the same rate

  • Domilciliary hospitilization

  • Maternity Expenses

  • Worldwide emergency cover

  • OPD treatment

  • Free annual health check up

To view the complete list of exclusions, refer to the detailed policy terms and conditions.

Advanced Top up plan
Key features
  • Inpatient care

    When you're in the hospital, we cover all your room, treatment, and medical expenses, including surgeries and tests.

  • Pre and post hospitalization:

    We cover medical expenses for 60 days before and 90 days after your hospitalization.

  • Organ donor expenses:

    We cover medical expenses for the organ donor including harvesting of the organ , within the Sum Insured

  • Ambulance cover

    Covers Ambulance charges for emergency transport , Including app-based cab service charges for hospital admission.

  • Pre-existing disease waiting period

    Until 36 months of continuous coverage after policy inception

  • Initial Waiting period

    Treatment of any illness within the first 30 days, except for accidents , is not covered .

  • Alcoholism, Drug or Substance abuse.

    Treatemnet for Alcoholism , Drug or substance abuse , Tobacco abuse and addiction related issues and consequences.

When is your current policy expiring?