Royal Sundaram Health Insurance

Formerly known as Royal Sundaram Alliance Insurance Company Limited, Royal Sundaram General Insurance Co. Limited is India’s first private sector general insurance company. It was licensed by the Insurance Regulatory and Development Authority of India (IRDAI) in 2000 and has been providing innovative general insurance solutions since then. The company offers customised insurance solutions for health, motor, travel, and personal accident to individual customers and specialised insurance products such as fire, liability, engineering, marine, and business interruption risks to commercial customers. With more than 2,000 employees in 150 branches across India, Royal Sundaram has a huge customer base of more than 4.5 million customers across the country.

Royal Sundaram General Insurance has reached some significant milestones in the field of health insurance. It is the first health insurer to pioneer the notion of cashless claim settlement. In addition, the company claims to be the first private insurer to offer novel health products such as hospital cash.Health insurance plans offered by Royal Sundaram General Insurance cover individuals and families against medical expenses in case of an emergency. The insurer offers its specially designed health insurance products to different sections of the society at affordable health insurance premiums.

Royal Sundaram Health Insurance plans cover you and your family against several healthcare expenses. Listed below are top health insurance plans offered by Royal Sundaram Health Insurance:

1. Royal Sundaram Lifeline Health Insurance Policy: The Royal Sundaram Lifeline Policy is an indemnity health insurance policy that is available as a floater for individuals and families. If you are over the age of 18, you can purchase this policy for yourself, your spouse, and your children. Under this policy, there are no restrictions on the maximum age for admission. The policy is available in three variants: Classic, Supreme, and Elite, with sums covered ranging from Rs. 2 lakh to Rs. 1.5 crore.The policy offers you unparalleled benefits. It covers you against domiciliary hospitalisation expenses, AYUSH treatment expenses, expenses related to vaccination in case of an animal bite, wellness benefits, in-patient hospitalisation expenses, and pre-hospitalisation and post-hospitalisation expenses.

2. Royal Sundaram Family Plus Health Insurance Policy: Royal Sundaram Family Plus Policy is a unique health insurance plan that offers comprehensive coverage against healthcare expenses to you and your family. Especially designed for large families, the policy can cover up to 19 relationships at an affordable premium. Individual sum insured policies and common floater sum insured policies are available, with sum insured amounts ranging from Rs. 2 lakh to Rs. 50 lakh. If you are at least 18 years old, you can purchase the policy.The policy has no restriction on maximum entry age. It covers maternity expenses, in-patient hospitalisation expenses, pre-hospitalisation and post-hospitalisation expenses, daycare expenses, AYUSH treatment expenses, domiciliary hospitalisation expenses, etc.

3. Royal Sundaram Arogya Sanjeevani Health Insurance Policy: Another reasonable health insurance plan is the Royal Sundaram Arogya Sanjeevani Policy, which protects you and your family from basic hospitalisation costs in the event of an illness, sickness, disease, or accident. If you are between the ages of 91 days and 65 years, you can be covered under this policy for a variety of benefits, including in-patient hospitalisation expenses, pre-hospitalisation and post-hospitalisation expenses, daycare procedures, AYUSH treatment, road ambulance cover, organ donor expenses, and so on.Sum insured options under this policy range between Rs. 1 lakh and Rs. 5 lakh. The policy is available for a term for 1 year and you can pay for it on a monthly, quarterly, half-yearly, or annual basis.

The premiums paid under Royal Sundaram Health Insurance plans can be deducted from your income tax. Every year, you can take advantage of tax savings under Section 80D of the Income Tax Act of 1961.This way a health insurance plan reduces your annual income tax liability depending on the premium paid for a health insurance policy. To understand the tax deductions better, refer to the table below:

Royal Sundaram Health Insurance plans are flexible and affordable and come with different sum insured options. Some common benefits that Royal Sundaram Health Insurance plans offer you are listed below:

• No Restriction on Maximum Entry Age: Royal Sundaram Health insurance plans do not have any limit on maximum entry age. This means you can purchase Royal Sundaram Health Insurance plans during any stage in life without any hassle.
• Portability Benefit: Portability is a feature of Royal Sundaram Health Insurance plans. This implies that if you are unhappy with your current health insurance coverage, you can move to the Royal Sundaram Health Insurance plan without losing your benefits.
  
• 100% Reload of Sum Insured at No Extra Cost: Royal Sundaram Health Insurance plans offer you a benefit of 100% reload of the sum insured without charging anything extra from you. This benefit can be availed when you have exhausted the sum insured under your policy due to claims made during a policy term.
• Lifetime Renewability: Royal Sundaram Health Insurance plans are renewable for a lifetime. This means you can continue to avail benefits under your policy throughout your life provided you pay the renewal premium timely.
• Preventive Healthcare And Wellness: Royal Sundaram Health Insurance plans cover you against expenses related to healthcare and wellness related services that help you assess your overall well being. These include doctor on email chat, annual health check-ups, health-related articles on your registered email id, etc.

Royal Sundaram Health Insurance plans offer you wide coverage. Read below about the healthcare expenses that the plans protect you from.

• In-Patient Hospitalisation Expenses: In-patient hospitalisation is when the patient is hospitalised for at least 24 hours. Royal Sundaram Health Insurance plans cover you against expenses related to in-patient hospitalisation expenses. These include room rent, ICU charges, nursing charges, doctor’s fee, anaesthesia charges, blood and oxygen charges, operation theatre charges.
• Pre-Hospitalisation And Post-Hospitalisation Expenses: Pre-hospitalisation and post-hospitalisation expenses are those which are incurred by the insured before and after getting hospitalised. These expenses include medical tests, medicines, vaccinations, and doctor’s or medical practitioner’s fee. Royal Sundaram Health Insurance plans cover you against such expenses.
• Daycare Procedures: Daycare procedures are those treatments which require hospitalisation of less than 24 hours under local or general anaesthesia in a daycare center or a hospital. For example, chemotherapy, radiology, cataract, angiography, tonsillitis, and dialysis. Royal Sundaram Health Insurance plans cover you against such expenses.
• Ambulance Charges: The road ambulance services required to transport the insured as a patient to the nearest hospital are covered by Royal Sundaram Health Insurance plans. The ambulance is equipped with the medical equipment that the patient may require while traveling.
  
• Domiciliary Hospitalisation Expenses: Domiciliary hospitalisation is a situation where the insured, as a patient, is treated at home which otherwise would require hospitalisation. Royal Sundaram Health Insurance plans cover you against such expenses if the treatment is taken for at least 3 days.

What All Is Not Covered Under Royal Sundaram Health Insurance Plans?

Royal Sundaram Health Insurance plans do not cover you against the following expenses:

• Pre-Existing Diseases up to Waiting Period: Pre-existing diseases are those medical conditions that the insured was already suffering from at the time of buying a health insurance policy. Royal Sundaram Health Insurance plans do not cover you against pre-existing diseases until the waiting period for the same is completed.
• Injuries Incurred Due to Involvement in Adventurous Sports: Royal Sundaram Health Insurance plans do not cover you against any illness, sickness, disease incurred due to participation in any hazardous or adventurous sport.
• Injuries Resulting From Suicide Attempt: Royal Sundaram Health insurance plans do not cover you against any injury arising due to attempt self-harm like suicide.
• Injuries Due to War: Royal Sundaram Health Insurance plans do not cover you against any injury arising due to war or act of war.
• HIV/AIDS: Under Royal Sundaram Health Insurance plans, you are not covered for any expenses incurred directly or indirectly due to HIV or AIDS.

Note that the inclusions and exclusions vary with different Royal Sundaram Health Insurance plans.

Royal Sundaram Health Insurance plans are offered with the following terms:

Note that terms vary with different Royal Sundaram Health Insurance plans.

At InsuranceDekho, you can purchase Royal Sundaram Health Insurance plan in online as well as offline mode.

Buy Royal Sundaram Health Insurance Plan Online At InsuranceDekho

You can purchase Royal Sundaram Health Insurance plan online at InsuranceDekho by following the steps given below:

Step 1: Visit insurancedekho.com. Click on the ‘health’ tab.
Step 2: Select your Gender. Enter the required personal details (Name and Mobile Number). We will send a One Time Password on your mobile number. Please enter that.
Step 3: Tell us ‘When do you want to buy the policy’ by choosing one of the options from the drop-down menu. Click on the ‘View Quotes’ button.
Step 4: Select your family members whom you want to include in your policy. Click on the ‘Continue’ button.
Step 5: Select the age of the family members.
Step 6: Enter your Email ID and City. Click on the ‘Submit and View Quotes’ button. You will see the most suitable health insurance quotes on your screen. Shortlist the one you wish to buy.
Step 7: Select the policy term for the chosen health insurance policy. Fill in the required details. Pay health insurance premium online.

Buy Royal Sundaram Health Insurance Plan Offline At InsuranceDekho

You can purchase Royal Sundaram Health Insurance plan offline at InsuranceDekho by getting in touch with the customer care executives on the toll-free number 7551-196-989. You can connect with us any day between 9:30AM to 6:30 PM. You can also write to us at customersupport@insurancedekho.com in case of any query or support required.

Royal Sundaram Health Insurance coverage can be renewed in a matter of minutes with no paperwork required. When you renew your health insurance plan, you can take advantage of accrued benefits like the No Claim Bonus (NCB) or waiting period benefits.To renew your Royal Sundaram Health Insurance policy, follow the steps given below:

Step 1: Visit the official website of Royal Sundaram Health Insurance and click on ‘Insta Renew’.
Step 2: Enter your Policy Number and Expiry Date. Click on the ‘Submit’ button.
Step 3: View your policy details and premium.
Step 4: Pay health insurance premium for your Royal Sundaram Health Insurance policy online.