Is Royal Sundaram Health Insurance Good?
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Royal Sundaram Alliance Insurance Company Limited is the first private sector general insurance company in India to be licensed since 2001 Royal Sundaram general insurance offers Motor, Health, Personal Accident and other products to individual customers. Royal Sundaram also offers specially designed products to the Small and Medium enterprises and Rural customers.
From basic individual health insurance cover to specialist , Royal Sundaram Health Insurance offers a wide array of health insurance plans which also includes maternity benefits and the option to auto-recharge sum insured every policy year even if a claim has been made.
Why Royal Sundaram Health Insurance?
Royal Sundaram Health Insurance is one of the top health insurance providers in India. The company offers quality health insurance plans at affordable prices. Here are some reason why customers prefer Royal Sundaram Health Insurance:
- The insurers offers a wide range of health insurance plans with lifetime renewability and a wide sum insured range.
- The insurance company has a high Claim Settlement Ratio which is an indicator of its capability to settle a high number of claim in any given financial year.
- Excellent customer service which includes online premium calculator, 24/7 helpline number, network hospital locator, hassle-free claim process, call back option, a dedicated grievance redressal cell, and online renewal.
- To enhance your health cover, you can choose to add-on covers such as cash benefits, personal accident cover, and critical illness cover.
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:
- Cashless hospitalisation at more than 3,000 network hospitals.
- Pre and post-hospitalisation expenses.
- 147 day-care procedures.
- Lifetime renewability option.
- Tax benefits on health insurance premiums under Section 80D of the Income Tax Act, 1961.
- Increased cover of up to additional 50% sum insured for hospitalisation as a result of an accident.
- Maternity expenses.
- Pre-existing disease covers a 3-year waiting period.
- Get a cumulative bonus of 5-50% for every claim-free year.
- Get daily cash benefits 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 within a couple of minutes. A health insurance policy can be purchased online without the hassle of a physical documentation process. The guide to buy health insurance online is as follows:
- Visit the Royal Sundaram Health Insurance portal. Go through the various features and benefits of the health insurance policies offered by the company.
- Choose a policy and click on 'Buy Now' tab.
- Enter details about the insured member, his or her dependents, and the sum insured.
- Choose the policy term, which is usually 1 or 2 years.
- The online premium calculator can be used to calculate the premium of your chosen health insurance policy.
- Make a note of the instant quote.
- Click on 'Proceed' to purchase the health insurance policy.
- Use net banking, credit card or debit card to pay the insurance premium online through the insurer's website.
- The policy documents will be sent to your email ID upon successful completion of the premium payment.
- The health insurance policy becomes effective once the payment is processed.
- Print the policy documents to keep a hard copy of your health insurance policy.
Royal Sundaram Health Insurance Policy Status
Registered customers can log in to the Royal Sundaram Health Insurance website using their valid credentials to check their health insurance policy status.
Royal Sundaram Health Insurance Contact Number:
- Royal Sundaram Health Insurance Customer Service helpdesk number is 1860 425 0000
- For policy-related queries, you can mail to customer.services@royalsundaram.in.
- 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.
- 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.
- Complaints can be registered on the company website.
- Claims can be intimated via phone or through the insurer's website.
- A customer can engage in a live chat with an insurance agent regarding health insurance plans on the insurer's website.
Conclusion
Royal Sundaram Health Insurance Company offers some of the best health insurance plan options in India. The health insurance plans are customized to offer comprehensive coverage to the policyholder and the insured family members. The policies can insure up to 19 family members in one plan.
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