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About Royal Sundaram Health Insurance

Royal Sundaram General Insurance Company was the first private general insurance company which was licensed in October 2000. When it was being formed, Royal Sundaram was jointly owned by Sundaram Finance and other stakeholders from India. However, in February 2019, the company’s composition changed when Ageas Insurance International NV bought 40% of the company’s shares from the stakeholders of the company.Currently, therefore, Sundaram Finance owns 50% of the business, Ageas holds 40% and the remaining 10% is held by various Indian shareholders

Ever since it was formed, Royal Sundaram has been selling a range of general insurance products, including health insurance plans. Here are some facts about the company which you should know
Facts about Royal Sundaram General Insurance:

  1. The company is serving more than 4.5 million customers across India
  2. The company’s branches are spread across 143 locations with an employee strength of more than 2000 individuals
  3. Royal Sundaram was the first insurance company which introduced the concept of cashless claim settlements in its health insurance plans
  4. The company has received ISO 9001:2015 certification for its efficient customer services

Royal Sundaram Claim Settlement Ratio


Royal Sundaram


Industry Average

Health claim settlement ratio is the percentage of claims settled against the total claims received by the insurance company in a given fiscal year. Royal Sundaram has a claim settlement ratio of 95.95%, as compared to the industry average of 94.21%.

Royal Sundaram Health Insurance Plans

Royal Sundaram health insurance offers 11 health insurance plans. The premium of these plans starts from Rs. 85/yr. The sum insured ranges from Rs. 500 - 2 Cr. Details of the comprehensive coverage provided by the following 11 Royal Sundaram health insurance plans are listed below:

Royal Sundaram Critical Illness Lump Sum Plan

Starting Premium- ₹ 85/yr

This is a critical illness health insurance policy which pays a fixed benefit if the insured is diagnosed with any of the critical illnesses covered by the plan

The salient features are as follows

  1. Nine major critical illnesses are covered under the plan
  2. Coverage can be taken for up to INR 25 lakhs

Eligible Age

91 days - 65 years

PED Waiting Period



25,000 - 25 Lakh



Royal Sundaram Family Health Floater Policy

Starting Premium- ₹ 2,033/yr

This is a family floater health insurance policy which covers the actual medical expenses incurred on hospitalisation

The features of the plan are as follows

  1. No claim cumulative bonus is allowed for not making claims under the policy
  2. Free health check-ups are allowed after every 4 policy years

Eligible Age

91 days - 65 years

PED Waiting Period



1 Lakh - 3 Lakh


5% increase in cover;max upto 50%

Royal Sundaram Family Plus Insurance Plan

Starting Premium- ₹ 3,681/yr

This is another comprehensive health insurance plan which offers coverage on a family floater basis

The features of the policy are as follows

  1. Up to five family generations can be covered under a single plan
  2. The sum insured is reloaded if it is ever exhausted on previous claims
  3. You can get free medical second opinion if you suffer from any of the covered 11 critical illnesses
  4. Free annual health check-ups are allowed under the policy
  5. Maternity and newborn baby cover is available as an inbuilt benefit under the plan
  6. 15% premium discount is allowed if you live in non-metro cities

Eligible Age

91 days onwards

PED Waiting Period



2 Lakh - 50 Lakh


20% increase in cover;max upto 100%

Royal Sundaram Top-up Plans

Royal Sundaram health insurance provides 1 top-up plan. The premium of these top-up plans start from Rs. 2,700/yr. The sum insured ranges from Rs. 2 Lakh - 15 Lakh. Royal Sundaram top-up plans provide enhanced coverage and added protection for your well-being. Explore the details of each Royal Sundaram top-up insurance policy below:

Royal Sundaram Topup Insurance Health XS And Super Health XS

Starting Premium- ₹ 2,700/yr

This is a top-up health insurance plan which allows you to enhance the coverage without pinching your pockets

The benefits of the plan are as follows

  1. You can choose from a top-up or super top-up plan in Health XS and Super Health XS
  2. Hospital cash benefit is allowed for each day of hospitalisation
  3. There is an optional rider benefit for accidental death benefit rider
  4. The policy can be taken on an individual or family floater basis

Eligible Age

91 days - 65 years

PED Waiting Period



2 Lakh - 15 Lakh



Top Features From Royal Sundaram Health Plans

Key features of Royal Sundaram health insurance plans Here are some highlights relevant to Royal Sundaram health insurance plans

  • The company offers a range of health insurance plans for its customers.You can find both indemnity oriented health plans as well as fixed benefit health insurance plans
  • Retail, corporate, group as well as micro health insurance plans are offered by Royal Sundaram
  • You can buy, renew as well as make claims under your Royal Sundaram health insurance plans online as the company allows easy and seamless online facilities

Benefits of buying Royal Sundaram health insurance plans

  • The planscoverage benefits are varied so that they can suit the varied coverage needs of different individuals
  • The premium rates of the policies are low and reasonable making them light on your pockets
  • The company has been honoured with the Celent Model Insurer Asia Award for its technology driven claim management system.This system ensures that your claims are settled hassle-free and at the earliest
  • The company has a wide range of networked hospitals to serve you with cashless treatments. This ensures that you don’t face any financial dilemmas in case of medical emergencies

Exclusions Across Royal Sundaram Health Plans

There are some common instances which are not covered under Royal Sundaram health insurance plans.These instances are called exclusions and they include the following

  1. Illnesses occurring within the first 30 days of buying the policy are not covered
  2. There is a waiting period of one year or two years for allowing coverage for specific treatments like treatments for hernia, piles, fistula, cataract, etc.
  3. Pre-existing diseases are not covered during the specified waiting period which can be three years or four years depending on the plan selected
  4. Maternity expenses are not covered under all health plans. They would be covered only if they are included in the plan’s scope of coverage
  5. Cosmetic treatments, dental treatments and unproven treatments are not covered
  6. HIV/AIDS and other sexual illnesses are not covered
  7. Illnesses or injuries due to war, radiation, criminal activities, participation in dangerous activities, substance abuse, etc. are not covered
  8. Circumcision is not covered
  9. Self-inflicted injuries and attempted suicides are excluded from the coverage of all health insurance plans
  10. Mental and congenital disorders are also not covered under health insurance plans

Royal Sundaram Premium Calculator

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Premium Calculator

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Royal Sundaram Customer Care

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Royal Sundaram Claim Process

Royal Sundaram supports both cashless claims and reimbursement claims. This section covers the information on how to check Royal Sundaram health insurance claim status, fill Royal Sundaram health insurance claim form, and the claim settlement process.

In case of a claim,if you want a cashless settlement of your claim, you should be admitted to a networked hospital and the following procedure should be followed

  1. Inform Royal Sundaram of your claim and register your claim with the insurance company
  2. Obtain a pre-authorization form from the hospital or the insurance company.Submit this form 3-4 days before a planned hospitalisation.If,on the other hand,you face an emergency hospitalisation, submit the form within 24 hours of your hospitalisation
  3. Based on the form, the insurance company would approve your cashless claim
  4. Once the claim is approved, the hospital would give you cashless treatments
  5. After being discharged, collect the discharge summary and file your claim with the insurance company to get the settlement

On the other hand,you are admitted to a non-networked hospital

  1. You should pay the medical costs yourself. After being discharged,file your claim and the costs incurred would be reimbursed by the company
  2. Documents required for claims
  • Claim form
  • Policy bond
  • Identity proof of the insured
  • Discharge summary
  • Medical and hospital bills
  • Medical and hospital reports
  • Doctor’s prescriptions

Royal Sundaram Health Insurance Renewal Process

Renewal Process of Royal Sundaram Health Insurance

When you invest in a health insurance policy, you secure a range of coverage benefits. These benefits are accessible through regular policy renewals. Hence, timely renewal is crucial to maintain uninterrupted coverage

To ensure a seamless renewal experience, Royal Sundaram has streamlined its process, offering both online and offline options for policyholders' convenience. This ensures policyholders face no hurdles in continuing their coverage

Online Renewal Process for Royal Sundaram Health Insurance Policy
To renew your Royal Sundaram health insurance policy online, follow these simple steps:

Step 1: Visit the official website of Royal Sundaram General Insurance
Click on the 'Insta Renew' tab
Step 2: Enter your Policy Number and Expiry Date on the 'Renew Policy Online' page
Step 3: Verify your policy details and premium amount
Step 4: Complete the payment for the policy renewal
Step 5: Upon successful payment, you will receive a confirmation email for the renewed policy

Offline Renewal Process for Royal Sundaram Health Insurance Policy

If you prefer the offline way of renewing your Royal Sundaram health plan then you reach out to their agents on the toll-free number of, i.e 1860-425-0000 and they can help with the quick renewal

You can also visit our website or download the Turtlemint policy management app for easy renewal of the health insurance policy from Royal Sundaram. Turtlemint Insurance experts are available to help with each step of renewal


If the hospitalisation occurs within the pre-existing waiting period, coverage would not be available.However, after the waiting period is over,coverage would be allowed for pre-existing illnesses

Renewals of Royal Sundaram health insurance plans are allowed lifelong. There is no cover ceasing age

Yes, at the time of renewal, the sum insured can be increased if the company allows it. However, for the increased part of the sum insured, the pre-existing waiting period would apply from start

Porting means changing one health insurance policy to another. When you port, you can retain the renewal benefits of your existing health insurance policy. Thus, the waiting period in the new policy would be reduced by the term of the existing policy and you can enjoy better coverage.

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