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Health Insurance

Health Insurance


Complete health insurance
coverage for you and your
family

Royal Sundaram offers affordable health insurance plans with a wide range of benefits to take care of you and your family. Our Health Insurance plans are flexible and affordable with different Sum Insured options to suit your unique need. Choose from basic health insurance covers to specialist medical insurance plans that offer maternity benefits and increases your sum insured automatically every year, even if you make a claim. We also offer cash benefit plans that cover non hospitalization expenses like to and fro conveyance during hospitalization, get double cash benefit in case of accidental hospitalization and triple cash benefit in case of admission to ICU.


Our Health Policies offer:

  • Pre and post hospitalization expenses
  • 147 Day Care procedures Covered
  • Cashless hospitalization at over 3000+ network hospitals
  • Lifetime renewal
  • Tax benefit under section 80 (D)
  • ISO certified claims process
  • In case of hospitalization due to an accident your cover expands up to additional 50% of Sum Insured
  • Maternity cover
  • Pre-existing cover after 3 year waiting period
  • Get Cumulative bonus for every claim free years from 5% up to 50 %

Master Product - Total Health Plus

Total Health Plus

Ensure total health protection of your loved ones with Royal Sundaram’s Total Health Plus

  • Gradual increase in Sum Insured every year, despite claim
  • Accidental hospitalization benefit up to 50% above Sum Insured

Family Good Health

Family Good Health

Family Good Health, a comprehensive health insurance plan which combines the benefit of a regular medical insurance plan with hospital cash benefits

  • No documentation, no medical test up to 50 years
  • Pre-existing diseases covered after 4 years
  • Cashless facility in over 3000+ hospitals

Hospital Cash

Hospital Cash

Cover incidental expenses such as charges for patient's diet, patient's attender's lodging, money spent on commuting from home to hospital and back

  • Get Daily Cash benefit up to Rs 3000*
  • Convalescence benefit of Rs 15,000
  • Double Accident, Triple ICU
Buying health insurance also helps you to save tax under Section 80D of the Income Tax Act 1961. You can get a maximum tax benefit of Rs.15000 on health insurance premium paid. Avail an annual deduction of Rs.15000 from taxable income for health insurance premium paid for self and dependants (spouse and children). Pay the health insurance premium for your and claim an additional tax benefit up to Rs.15000 under the provisions of Section 80D. If your parents are senior citizens (aged 60 years and above), the benefit goes up to Rs.20000.

To avail income tax benefit from your health insurance policy, you have to provide the proof of premium paid. Do keep in mind that Tax benefits are subject to changes in tax laws.

Buy Health Insurance Online:

You can buy a Health Insurance Policy at the convenience of your home. Get a Health Insurance Quote in 2 minutes and buy online without any documentation. All it takes is just few minutes of your time and you are all set.
 
  • Click on 'Buy Now' link.  You will be redirected to the first step of buying the policy online.
  • You will have to provide us with the information such as the details of Insured person, his/her dependents and the Insured Amount.
  • You can choose to buy the policy for one or two years depending on the plan you choose.
  • Our online calculator will help you to calculate your premium payable (based on the information provided) when you click on 'Calculate Premium'.
  • You may make a note of the 'Quote ID', in case if you want to proceed with policy purchase at a later point of time.
  • Else, you can 'proceed' with the purchase process and buy the policy online.  You can choose from Debit Cards/ Credit Cards/ Internet Banking payment options. Your policy will be triggered to your mail ID instantly on completion of your transaction.
  • Before 'proceeding to pay', please confirm that your information is correct and upto date in the 'Summary page'.  The same information will be printed on your policy documents and your Health Card.
  • Your policy will be effective, the moment your payment is processed. 
  • You can print your policy documents and enjoy the benefits provided by the policy.

Already have a Royal Sundaram Health Insurance Plan?
 
  • Get Health Insurance Claim Status via SMS - To get information about your Health Policy Claims Status, send the SMS as given here: Type HSTATUS <space> POLICY NO (16-digit) and send to 9230005727
  • Want to renew your policy? Send us a call back request via SMS - SMS IRENEW <space> POLICY NO (16-digit) and send to 9230005727 and we will arrange a call back.
  • Click here to find a Royal Sundaram Network Hospital in your city
  • Click here to download a Health Insurance Claim Forms

Customer Reviews

Average Rating 3.931234(Based on 97 ratings)

97 Reviews
Reviews (97)
Health Insurance
30 Mar 2014

Myself, my wife and my son are insured with Royal Sundaram under two policies viz. Health Insurance and Personal Accident Insurance for last 5 years. My wife underwent major surgery in 2010. I was hospitalized in 2011. Both my claims were settled in full very promptly. I am totally satisfied with the services.

20 Mar 2014

Myself and my wife are insured with Royal Sundaram for the last 8-9 years. My wife underwent two major surgeries at Hyderabad and it was hassle free experience and were prompt in their dealings. There was no problem in payment/reimbursement by Royal Sundaram. Dr. J K Sinha MBBS, MS. FRCS, FAMS

15 Mar 2014

I am having the health insurance policy (Mediclaim) of Royal Sundaram for the last few years. Sometime back about a year or so I read somewhere online that the company is not paying any claims on one plea or the other without any real justification. I was a bit worried and became apprehensive about it. But last year I had to admit my wife in a hospital for getting an operation done. What I did was to visit their website and follow the instructions outlined there. I did what was instructed and sent the Mediclaim Bill to the company for payment. As I was apprehensive about whether my claim will be entertained or not, I was becoming more and more worried. But to my surprise within a few days I received an Email from Royal Sundaram that my claim is under process and will be settled soon. Again, after a few days - about 15 days or so, I received the cheque from Royal Sundaram and my claim was settled without any hassle or any questions.That was great!. Royal Sundaram is great and takes utmost care of its customers. You only have to follow the prescribed procedure, and you're sure to get your claim settled. I wish the company "GREAT SUCCESS".

10 Mar 2014

My son and I just recently obtained a health insurance policy, and just over a month after activation of the policy my son had to be hospitalised with Typhoid fever. Everything went smooth and the hospital coordinated with the Royal Sundaram staff and we didn't have to do anything. We're really glad we took this policy and intend to renew it every year. Thanks a lot for the superb service you are providing. Keep it up!

05 Mar 2014

I had to hospitalize my daughter (12 yrs) for some bowel irritability and resultant dehydration and such effects. As i was not in station, i had to entrust this responsibility with my dad who is 75 yrs. To his age, if he is capable of taking care of himself is more than enough, but my condition was worst than his, i had to entrust her with him. With the great help of ROYAL SUNDARAM, he hospitalized and provided her with required treatment. The paper work also was so easy that we need not spend more than an hour to get them done and send it to the H.Q RS. Hence, i would recommend ROYAL SUNDARAM INSURANCE AS THE BEST WAY TO INSURANCE.

01 Mar 2014

I have a hospital cash insurance policy with Royal sundaram for the last three years. Their service till now is fine. Since i have not made any claim till now I have not experienced the insurance cash settlement. For the last 20 years I always preferred anything that is Sundaram for eg Sundaram finanace, sundaram mutual and royal sundaram etc.

28 Feb 2014
New Delhi

Royal Sundaram Alliance Insurance Company is the best company in India and may be one of the best in the world, as far as my experience with the company goes. It is very quick in response & services.

28 Feb 2014

I & my wife are Royal Sundaram Health Policy holder since last more than 4 years. My experience about the service is good. I get policy documents in time. Claim settlement which I experienced twice for accident is also good. Customer care service is also good.

25 Feb 2014

This is my first year with Royal Sundaram Inusrance Company haven`t had any claims yet hoping for a pleasant experience looking at the positive reviews.

15 Jan 2014

Getting a new health policy for first time, was good experience. Luckily no claims so far.

05 Jan 2014
Nagpur

I am having health insurance policy with royal sundaram, today had spoken to Mr. Karthik, and explain to him the problem faced by me. Mr. Karthik, in no time had provided to me the solution to that problem, and has forwarded the request to their concern department. it took hardly few minutes for completing and resolving of my problem. I express my thanks to Mr. Karthik and Royal Sundaram to earlier resolution of my problem.

03 Jan 2014

The service provided by the company is very very good and in time.

01 Jan 2014

I appreciate for services rendered by you to customer is very good.I have received claimed amount through cheque within one week. Happy about having a Health Insurance in Royal Sundaram.

01 Jan 2014

We are extremely happy with the settlement of claims by your company. Should cover more hospitals for cashles claims.Wish you "Propserous New Year".

01 Jan 2014

I felt happy by receiving my health claim in stipulated time.Thanks to Royal Sundaram.

12 Dec 2013

Overall satisfactory! The requirement of documents for settlement of claim should be spelt out clearly when making hospital cash claim and no additional documents called for at a later date.

02 Dec 2013

Service is very good.

02 Dec 2013

Response is prompt, Communication is courtious and Service is efficient,please maintain the same spirit in future too, wish your entire team all the very best.

27 Nov 2013

All concerned had played their role well, right from the advisor handlimg my account to the verifier who visited blore and met me.generally good and effective with royal sundaram persunnel. fully satisfied with your association.

26 Nov 2013

The speed with which RS responded towards health claim settlement is absolutely fantastic.Pl call to add my daughters name to the existing medical policy.

26 Nov 2013

I was Really surprised by the way the Health Insurance claim was processed without any need for efforts and follow ups from my side. Thank u guys. just one suggestion is the that the claim form was to complicated for a common man. It would be better if u could make it short and easy.

26 Nov 2013

Better Service.

26 Nov 2013

Very good service. Excellent Transparency in the health claims settlement process. Keep it up!

22 Nov 2013

Settlement time taken could have been much better as it took almost two months, but overall experience was good. Thanks!

21 Nov 2013

Very satisfied with Royal Sundaram Mediclaim Organisation. Would appreciate no further increases in premium, considering us as retired persons.

20 Nov 2013

Thank you Royal Sundaram for made our life comfortable during most uncomfortable times!

20 Nov 2013

No remarks. well satisfied. Request for the original medical reports. Thank you.

12 Oct 2013

I am very grateful to tell you that i m the Customer of Royal Sundaram General Insurance Company.The Company promptly responded my health claim and Co-operated to me.

17 Sep 2013

I am Very much satisfied for this medical claim settlement.

06 Sep 2013

I am very much satisfied with the response and the prompt clearance of my claim in time. I would only suggest you to cover all the big hospitals in chennai so that we can make use of cash less scheme in a real sense.

02 Jul 2013

Your doing good. The claim settlement team is very fast and smart. I got my claim amount within a short span of time. Thanks for your work.

27 May 2013

Good approach and well handled service.

27 May 2013

Good service provided. Keep it up.

27 May 2013

I had a very good experience with Royal Sundaram and I would definitely recommend it to others.

25 May 2013

I am having a Medical Insurance with Royal Sundaram and i have received my claim amount with some deductions. Thanks for processing my claim ASAP.

25 May 2013

Yes, the service is very good.

21 May 2013

Overall it is a good experience. My health claim was settled in a short time which i never expected. Well handled.

19 May 2013

You are doing excellent work. Keep up the good work.

17 May 2013

It was a Good experience! thanks!

25 Apr 2013

Good quality, prompt service. Keep it up!

11 Apr 2013

The service was excellent !!

11 Apr 2013

Overall Mediclaim processing handled very well without any due reminder to RSI. I am fully satisfied your team members work.

11 Apr 2013

Fast, Quick in health claim settlements.

10 Apr 2013

I heard some good things about Royal Sundaram. This time, I have experienced it myself.Thank you

10 Apr 2013

All your health policies are having limits regarding the claim amount. i.e only specific percent of the insured sum can be settled. This should change I feel.Thanks

10 Apr 2013

Thanks for your excellent system and guidance time to time through SMS and mail to me.

10 Apr 2013

Royal Sundaram worked amazingly fast in an honest and transparent manner in my case. As per the general public perception the Insurance Companies concentrate their efforts in discovering the loopholes in the claim applications to avoid refusing payment on one ground or the other. However I had a very pleasant, cheering and heartening experience with Royal Sundaram. My claim was settled for the promised amount immediately after i submitted complete documents. I am thankful to your company. I am specially thankful to your officers who were so patient, empathetic, helpful and reassuring on the phone and in the e mails. May God bless you all.

26 Mar 2013

I am extremely happy at your Health claim services. Whenever I telephoned to them, they enthusiastically spoke to me on whatever I wanted on my claims status.It gives me pleasure to be with Royal Sundaram. Definitely, I will bring many customers to you.

22 Mar 2013

Royal sundaram is the only one co. who clear my medical claim very fast and i think as for as my knowledge the royal sundaram is first co. who accept the policy of above 45-50year age at that time when i was taken the policy for my mother.i want to say in hindi that "are javano ki to sab koi policy accept karte hai, budhe maa bapo ki sirf ek hi banda karata hai aur vo hai royal sundaram" "jo samaj seva ka kam karta hai, jo des ki janta ka sochata hai,jo midal class ke logo ka sahara banta hai, jo sirf paiso ke liye kam nahi karata aisi company ko royal sundaram kahte hai" this is my special request to you that please keep your service contineously is it is today and please mail me the single photo of your respected chairman sir. thanks, i am very happy and proud that i am the member or part of royal sundaram. Regards

19 Mar 2013

Quick response to my health claim and disbursement.

06 Mar 2013

I have been refunded only Rs.7500/- which is very less as compared to my overall expenditure of more than Rs.20,000/-. My brother-in-law has recently been refunded entire amount of RS.25000/- by another mediclaim company for the same cataract surgery. Royalsundaram should also think if increasing the limit to some reasonable level keeping in view the expenditure involved. Even a small doctor with very primitive lenses does not perform this surgery in less than Rs.12000-15000/-.

25 Feb 2013

Mediclaim was settled very soon without any hazzles. Thank you.

24 Feb 2013

Very good service by Royal Sundaram team. Well keep it up.

22 Feb 2013

Royal Sundaram is really ROYAL SUNDARAM. In the Health claim settelment I have experienced promptness and efficiency and also sympathic view.

12 Feb 2013

Excellent performance by Mediclaim team. Kind approach to all (client and family members).

11 Feb 2013

Excellent and fast settlement of claims. This is not the first time, in earlier times also ROYAL SUNDARAM settled my health claims very fast and effectively.

11 Feb 2013

Excellent Job done by team. I never suffer any trouble from Royal sundaram. Actually your team really royals.

06 Feb 2013

Overall I am satisfied with the service rendered and settled my health claim quickly.

06 Feb 2013

Medical claim was settled to my full satisfaction. Thank you very much.

25 Jan 2013

Thanks to almighty, this was my first claim since i joined you.I am satisfied with the prompt service of the co.god forbid one has to ever apply for the claim.however, if at all it becomes necessary, I hope your team will expedite the case with the same promptness. in general people avoid admitting a patient in hospital unless it becomes a must otherwise try medication at home. unfortunately your co. does not allow claim for such treatment. compulsion of admission in a hospital for 24 hrs for a claim be suitably revised.if a patient is taking treatment from a dr. of your impaneled hospital his claim should be accepted even if he is not hospitalised.

09 Jan 2013

The service was excellent. I wish I had my health insurance. People say private companies always try to reject claims but our experience with Royal Sundaram was good. We submitted the claim papers.

08 Jan 2013

I was very happy for choosing Royal Sundaram for my health insurance needs.

06 Jan 2013

Excellent services, so far experienced.

03 Jan 2013

I had a very good experience with RS as i m ur customer since more than last 10 years n looking forward with same claim settlements ahead.

02 Jan 2013

The Team clear my health claim with in the estimated time and they treat us all time very friendly.

29 Dec 2012

Royal sundaram is giving good service to the policy holders and i am satisfied with there services and i would like recommend it to others to buy the royal sundaram health insurance policy.

28 Dec 2012

Since I am fully satisfied in the health claim experience I am interested in extending the hospital cash policy to my wife also. You can ask your marketing people to call me.

23 Dec 2012

Yes your team is good i wish that my future claims also are settled well if any thankyou.

21 Dec 2012

I am very thankfull to you for passing my medical claim and also appreciate your prompt service.

20 Dec 2012

I have therefore going by the service provided by Royal Sundaram extended my family Health Insurance for another period of two years.

20 Dec 2012

Good service.

19 Dec 2012

I was really surprised to see the health claim cheque within 10 days of claim submission. Amazing I never had such a good experience with any insurance company in the past and I strongly recommend this policy.

19 Dec 2012

Over all the organisation and health claim process is fine. They should communicatate to the customer, when they take more time to claim process.

18 Dec 2012

Excellent claim settlement service.Very grateful for quick settlement process.

18 Dec 2012

Very good , prompt service without any hurdles. Many thanks. It reduced my Loan burden.

18 Dec 2012

I appreciate the settlement on time. Recieved Royal Sundram settlement 15 days prior to the settlement of Mediclaim from NIA.

18 Dec 2012

I will give 100% because I received my money back within 15 days from the date of submission of my bills. after receiving cheque there was a difference when i have spoken to them regarding they rechecked and issued difference amount also without any further follow-up from my end. I am very happy and I am very much confortable without any worry about my future hospital expenses, because they are there to support whenever we are in need.

18 Dec 2012

Overall a wonderful service and never expected health claim settlement so fast. Keep it up.

17 Dec 2012

It was a wonderful experience with Royal Sundram. Unfortunately I met an accident within 20 days of policy taken but Royal Sundram reimbursed almost 99% of claim amount. I am thankful to you for the reimbursement.

17 Dec 2012

Firstly, I am very much thankful to Royal Sundaram for settling my health claim so early. I am very much satisfied with the services of Royal Sundaram, but it would be better if I could access the status of my policy online, whenever I want to from my home, just like LIC, India. Hope you will take the neccessary action.

17 Dec 2012

I am very satisfied with my claims and service of Royal Sundaram on my previous health claims made by me with submission of bills. The claim on my last illness was made directly by the hospital and they handled everything very well.

17 Dec 2012

Handling the claim was 'extremely prompt'. Please keep up the practice for all future health claims.

17 Dec 2012

Handling the claim was 'extremely prompt'. Please keep up the practice for all future mediclaims.

17 Dec 2012

Great Support for my claim and would like to have the same support in future.I would suggest to have us the online status of our submitted health claims on webportal.

14 Nov 2012

Really excellent!

31 Oct 2012

Good Service...

30 Oct 2012

Thank u very much for re-cosidering and reverting my health claim, had help me during my difficulty period which royal sundaram had brought very much happiness, joy to my life which i am very much greateful to the team of medi claim which release my claim and i am very much thankful and ever forever pray.

30 Oct 2012

Overall I am quite satisfied with the quality of service rendered by royal sundaram in respect of my mediclaim. please keep up the good work.

27 Oct 2012

Thank you very much for the speedy settlement of my claim. We much appreciate your support in this regard. Will definitely recommend Royal sundaram health insurance to all our friends.

26 Oct 2012

Health claims team had really settled it very fast. I got the money back in less then 10 working days.Only aspect is after I made my initial payment they suggested to for claims if we can get that also be considered as cash less and reimburse my initial payment it will be helpfull.

26 Oct 2012

Am happy and satisfied and will recommend others to take up a medical insurance policy with Royal Sundaram.

25 Oct 2012

Excellent working at RS is highly appreciated.Other Insurance Companies should learn flawless handling of health claims from RS.

25 Oct 2012

The only problem i faced was during discharge from the hospital, i was made to wait for 8 hours.....from TPA....But i guess the fault was from hospital side as well.But overall from your end we have never faced any disappointment.

25 Oct 2012

It is far better than other Health Insurance Companies, but TPAs are required to be tuned and counselled to be more prompt, fast in communicating their approvals as the customers and their family members are put to lot of hard ships as I experienced in 2009 when my wife was hospitalised. Except TPAs, company management is very user friendly.TPAs behaviour is very disgusting.

15 Oct 2012

Excellent work , it was a hassle free claim i have received for my medical policy. Great work really appreciatable.

14 Oct 2012

Very good response this time, I congragulate, the staff and the management, keep it up. thank you.

13 Oct 2012

I am happy about your health claim service.

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