Bike, Car, Travel & Home Insurance Online - Royal Sundaram

India's Royal Sundaram Alliance Insurance Targets Industrial Center Through New Branch -insurancenewsnet

17 March, 2010

Royal Sundaram Alliance Insurance Co. Ltd. aims to generate an additional 60 million rupees (US$1.3 million) in premiums through its newly opened branch in Jamshedpur, a major city and industrial center in Jharkhand state in eastern India. The new branch will distribute nonlife products such as home insurance, car insurance, fire and marine insurance through its agents and dealers, Chandan Kumar, area head of Royal Sundaram Alliance Insurance in Jamshedpur, told BestWire. Jharkhand has a population of more than 21 million and is the 28th state of the Indian Union, according to the Indian government. It is rich in mineral resources and its coal and copper contents account for 32% and 25%, respectively, of the total in India. The state is also rich in forests and woodlands. Jamshedpur is home to various industries and is in close proximity to other industrial hubs, such as Rourkela and Bokaro, according to Royal Sundaram. The region is dominated by companies that make automobile components, as well as small-, large- and medium-scale industries that require commercial insurance solutions. "This is indicative of the significant growth opportunities available for Royal Sundaram," said Managing Director Ajay Bimbhet in a statement. With about 10 years of experience working with different industries, the insurer is "well placed" to provide suitable insurance solutions for the commercial segment, including property and engineering, marine/cargo, group health cover and commercial vehicles, said Bimbhet. For the retail segment, the company offers insurance coverage for motor, health, personal accident, home, home contents and travel, he said.Established in 2001, Royal Sundaram Alliance Insurance is a nonlife joint venture between India's Sundaram Finance and U.K.-based general insurer RSA Group [085662]. Currently, the Indian joint venture operates insurance businesses in more than 150 cities through its branches and partners throughout the country.

What is included and excluded in Royal Sundaram's Maldives travel insurance policy?

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Medical emergencies

Coverage for medical expenses incurred due to illnesses, injuries, or accidents during the trip.

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Trip cancellation

Reimbursement for prepaid trip expenses if the trip is canceled or interrupted for covered reasons.

baggage
Loss of checked in baggage

Compensation for loss of checked in baggage and personal belongings during the trip.

ambulance
Emergency medical evacuation

Coverage for emergency medical evacuations to the nearest suitable medical facility if required.

personal-liability
Personal liability

Protection against legal liabilities for third-party injuries or property damage caused during the trip.

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Travel Assistance Services

Access to 24/7 travel assistance services, such as, overview of country, Weather, Currency Exchange Rates, Vaccinations etc.

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Pre-existing medical conditions

Pre-existing medical conditions are not covered under travel insurance.

high-risk
High-risk activities

Participation in certain hazardous activities, such as extreme sports or adventure sports, is excluded.p>

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Intentional self-inflicted injuries

Injuries caused intentionally or due to self-harm are not covered.

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War and terrorism

Losses or incidents related to war, acts of terrorism, or civil unrest are excluded.

Travel to high-risk countries

Some travel insurance policies exclude coverage for travel to countries with high-risk situations, such as civil unrest or health epidemics.

Finest binoluminescence spotting time

If you want to be surprised by nature, visiting the bioluminescence plankton should on your list. These naturally glowing organisms make the nightlife on the island magical and truly breathtaking. It puts you in awe by lighting up the beach in the evening which is spectacular sight that you wouldn’t want to miss. The bioluminescence is best seen between June and October. The spectacular “Sea of Stars” can be experienced in the most beautiful, inhabited island of Vaadhoo.

Save your money during this season

If you are on a budget and not looking to splurge, then travelling during the wet season is an option to make your travel to the luxurious honeymoon destination affordable. Many travellers shy away from the wet season between May and October. Making it attractive and affordable for budget travellers who want to experience Maldives with a little less of sun shine. Hotels and Resorts drop their prices, even the luxurious and sought after over- the- water villas and bungalows go on a back slash of prices ( though they’re still pricey but if you want to experience it , it might be the best to bag a deal ).

Benefits of Maldives travel insurance policy by Royal Sundaram

personal-liability
Personal Liability

Coverage in the event of accidental death or dismemberment within 24 hours

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Medical Expenses

Coverage for medical expenses, including medical evacuation

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Sickness Dental Relief

Coverage in the event of accidental death or dismemberment within 24 hours

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Maternity benefit

Coverage for medical expenses, including medical evacuation

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Trip Delay

Coverage in the event of accidental death or dismemberment within 24 hours

Study Interruption
Study Interruption

Coverage in the event of accidental death or dismemberment within 24 hours

Learn more about our products and coverages

At Royal Sundaram, we have focused on understanding your needs and what matters most to you for protection. Our business revolves around catering to those requirements and ensuring your peace of mind.

At Royal Sundaram, we focus on knowing exactly what you need and what matters most to you, so we can protect it with care

trip
Multi trip

Select your preferred cover and add on and customize your policy

Price starts from ₹ 299/-

get quote
View brochure
trip
Single trip

Select your preferred cover and add on and customize your policy

Price starts from ₹ 299/-

get quote
View brochure
trip
Student trip

Select your preferred cover and add on and customize your policy

Price starts from ₹ 299/-

get quote
View brochure
trip
Senior-citizen trip

Select your preferred cover and add on and customize your policy

Price starts from ₹ 299/-

get quote
View brochure
trip
Multi trip

Select your preferred cover and add on and customize your policy

Price starts from ₹ 299/-

get quote
View brochure

Shy away from october

October is considered the wettest season in Maldives. Avoiding this month might be best for your trip. The luxurious villas might lure you with lucrative packages but don’t fall prey for it. As beautiful as it is to experience rain sitting in those incredible water villas. Your island vacation needs sunshine for you to have a wholesome experience your island vacation. You don’t want to sit all day Not having to leave your room.

Decided on when to travel, here is your check list that will ease your travel

Visa is on arrival

Visa Is granted upon arrival for all tourist free of charge for up to 30 days.

Travel Documents
  • Carry your passport with a minimum validity of six months.
  • Confirmed accommodation proof in the Maldives.
  • Sufficient funds for your stay.
  • Return flight ticket.
Local currency

The Maldivian Rufiyaa is the local currency; however, the United States Dollar (USD) is widely accepted. ATM are available in Male.

Hardcopy of your bookings

Its always wise to carry your bookings as a hard copy though many would argue with technology rising steeply, we all want to carry a soft copy. You never know when you would run out of battery.

Health

Always carry basic medicine that you and your family would need. Most hotels are equipped with doctors on call and emergency medication. Purchase your travel insurance for relaxed travel.

Proof of being Vaccinated.

A proof of vaccination certificate is necessary as you may need to produce it if asked.

Travel Insurance

Do I need a travel insurance ? is a question that runs through your mind. Well, the answer is YES! Without one you left to uncertainties. Why take all that when all you want is to be present in the moment and making memories.

Travel Insurance is important and necessary for hassle free travel

Do I need a travel insurance ? is a question that runs through your mind. Well, the answer is YES! Without one you left to uncertainties. Why take all that when all you want is to be present in the moment and making memories.

Travel Insurance is important and necessary for hassle free travel
  • Travel Insurance is important and necessary for hassle free travel
  • Delayed or lost personal stuff
  • Its mandatory in some countries
  • Makes you feel safer

Travel safer and relaxed with Royal Sundaram’s travel Insurance policy. Secure your travel and free your mind. Your tropical getaways are a few clicks away. Soak in the beauty of Maldives, experience enthralling water sports and marine life.

Trusted by 2 crore + happy customers

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

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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.

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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!

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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!

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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!

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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.

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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!

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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.

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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!

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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!

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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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.

A step-by-step guide to file a maldives travel insurance claim

Step 1

Intimate Claim

Call 1800 568 9999 or intimate claim online.

Step 2

Inspection

Investigation of the claim.

Step 3

Claim Approved

We will approve your claim and keep you updated.

Travel Insurance for Different Countries

Terms and Conditions

1. Declaration of Accuracy and Liability:

I/We, the proposer(s) or policyholder(s), hereby declare that the statements and particulars given in this Proposal form are complete, true, and accurate. I/We agree that Royal Sundaram Insurance Company will not be liable under the insurance contract if it is found that any of my/our statements or particulars or declarations in this proposal form or other documents are incorrect, misleading, or fraudulent in any respect, on any matter related to the grant of a cover or submission of a claim in the future.

2. Premium Payment:

I declare that the premium paid under this transaction to Royal Sundaram Insurance Company 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. No Claims Bonus (NCB) Declaration:

I/We declare that the rate of NCB claimed by me/us is correct and that no claim has arisen in the expiring policy period (copy of the policy enclosed). I/We further undertake that if this declaration is found incorrect, all benefits under the policy in respect of Section I of the Policy will stand forfeited.

4. Pollution Under Control (PUC) Certificate:

I hereby affirmatively warrant that the Assured named herein/owner of the vehicle insured holds a valid Pollution Under Control (PUC) Certificate on the date of commencement of the Policy, and the same has been shown to the agent/authorized person of the intermediary. I further undertake to renew and maintain a valid and effective PUC Certificate during the duration of the Policy period. If the PUC certificate is not found valid on the date of loss, I understand that the Company reserves the right to cancel the policy.

5. Break in Insurance and Vehicle Inspection:

I/We agree that in case of a Break in Insurance, the policy would be issued subject to acceptance of risk after evaluation of the Vehicle Inspection report. Own Damage cover (Section – I) would not commence unless the satisfactory Vehicle Inspection report has been received by us. If the Company does not receive the Vehicle Inspection report or the report is adverse, the Company, at its discretion, will cancel the Policy as per the Motor Tariff.

6. Notification of Changes:

I/We further declare that I/we will notify in writing any change in the details so furnished hereinabove occurring after the proposal has been submitted but before communication of the risk acceptance by the Company. This includes changes in occupation or general health of the insured individuals.

7. Authorization and Sharing of Information:

I/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 and with any Governmental and/or Regulatory authority.

8. Consent for Communication:

By submitting my contact number and email ID, I authorize Royal Sundaram Insurance Company Limited 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 Insurance Company Limited. Please note that such authorization will be over and above any registration of the contact number on TRAI’s NDNC registry.

9. Income Declaration:

This policy has been issued based on my declaration of Gross Annual Income, and the Base Sum Insured chosen is not more than 10 times of such Gross Annual Income. In the event the declaration is found to be incorrect/wrong and/or non-submission of income proof to justify this declaration, it may result in the inadmissibility of a claim and/or cancellation of the policy. I confirm that the Gross Annual Income of the family in this proposal is true and correct and undertake to submit relevant income proof(s) in the event of a claim in this regard.

10. Occupational Exclusions:

I confirm that the insured member(s) under this Policy do not work in Nuclear power plants, underground mines, explosives, hazardous material (e.g., fertilizers, asbestos fiber, toxic gases, toxic chemicals, pesticides, etc.). Furthermore, the insured member(s) do not work in underground mines, explosive magazines, or electrical installations with high tension supply, or are jockeys, circus personnel, engaged in racing on wheels or horseback, big game hunting, mountaineering, winter sports, skiing, ice hockey, river rafting, polo, or similar activities or occupations.

11. Declaration as Authorized Proposer:

I declare that all the information I have provided is true and accurate to the best of my knowledge, and I am authorized to propose on behalf of my family.

12. Underwriting Policy and Premium Payment:

I declare that the premium paid under this transaction to Royal Sundaram Insurance Company 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.

13. Authorization for Medical Information:

I declare that I consent to the company seeking medical information from any doctor or hospital who/which at any time has attended on the person to be insured/proposer or from any past or present employer concerning anything that affects the physical or mental health of the person to be insured/proposer. I also authorize the company to seek information from any insurer to whom an application for insurance on the person to be insured/proposer has been made for the purpose of underwriting the proposal and/or claim settlement.

14. Information Sharing:

I hereby permit/authorize Royal Sundaram 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. I also authorize Royal Sundaram Insurance Company Limited to send me information in relation to the Policy and Royal Sundaram Insurance products & services, irrespective of whether I am registered with the National Customer Preference Register (NCPR) (formerly the National Do Not Call Registry) or not.

15. Consent for Electronic Communication:

To protect the environment and save paper, I consent to Royal Sundaram contacting me by email or phone instead of in physical form and to share all documents, updates, and alerts electronically.

16. Liability Commencement:

The Company's liability does not begin until the full premium has been collected by the Company, and the acceptance of the proposal has been formally intimated to the insured.

17. General Exclusions:

The Company shall not be liable under this Policy in respect of any accidental loss or damage and/or liability caused, sustained, or incurred outside the geographical area; any claim arising out of any contractual liability; any accidental loss, damage, and/or liability caused, sustained, or incurred whilst the vehicle insured herein is being used otherwise than in accordance with the Limitations as to Use or being driven by or is for the purpose of being driven by him/her in the charge of any person other than a Driver as stated in the Driver’s Clause; any accidental loss or damage to any property whatsoever or any loss or expense whatsoever resulting or arising therefrom or any consequential loss; any liability of whatsoever nature directly or indirectly caused by or contributed to by or arising from ionizing radiations or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel. For the purposes of this exception, combustion shall include any self-sustaining process of nuclear fission; any accidental loss damage or liability directly or indirectly caused by or contributed to by or arising from nuclear weapons material; any accidental loss or damage and/or liability directly or indirectly or proximately or remotely occasioned by or contributed to by or traceable to or arising out of or in connection with war, invasion, the act of foreign enemies, hostilities or warlike operations (whether before or after the declaration of war), civil war, mutiny rebellion, military or usurped power, or by any direct or indirect consequences of any of the said occurrences, and in the event of any claim hereunder, the Insured shall prove that the accidental loss, damage, and/or liability arose independently of and was in no way connected with or occasioned by or contributed to by or traceable to any of the said occurrences or any consequences thereof, and in default of such proof, the Company shall not be liable to make any payment in respect of such a claim.

18. Authorization as Proposer and Information Accuracy:

I/We hereby declare, on my behalf and on behalf of all persons proposed to be insured, that the above statements, answers, and/or particulars given by me are true, complete, and accurate to the best of my knowledge. I/We am/are authorized to propose on behalf of these other persons. I understand that the information provided by me will form the basis of the insurance policy and is subject to the Board-approved underwriting policy of the insurance company. The policy will come into force only after full receipt of the premium chargeable.

I/We undertake that the applicable loadings have been informed and understood by me. I further declare that I/We will notify in writing any change occurring in the occupation or general health of the life to be insured/proposer after the proposal has been submitted but before communication of the risk acceptance by the company.

I/We declare and consent to the company seeking medical information from any doctor or hospital who at any time has attended on the life to be insured/proposer or from any past or present employer concerning anything that affects the physical or mental health of the life to be assured/proposer. I also authorize the company to seek information from any insurance company to which an application for insurance on the life to be assured/proposer has been made for the purpose of underwriting the proposal and/or claim settlement.

Additionally, I/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.

Please refer to the policy documents for complete details of exclusions, inclusions, and terms and conditions.

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