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Health Insurance
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Covered Members :
Hospital cash benefits, +3 more
Sum Insured ₹ 20 Lakhs
By Clicking on Get Started, You agree to our Terms and Conditions
Covered Members :
Hospital & wellness, +3 more
Totel cover: ₹ 20 Lakhs
12,500+
Hospital network
24/7
Assistance
What is Health Insurance ?
Medical emergencies can catch you off guard, striking without warning. No matter how cautious you are about your health, the unexpected can happen. These situations not only bring physical challenges, but also often lead to mental and financial stress. Health insurance, also known as medical insurance, acts as your financial safety net in case of health issues, illnesses, injuries, or accidents. It's like having a dependable friend by your side when you're unwell or facing tough times. Our plans include pre- and post-hospitalisation expenses, annual health checkups, mental health support, critical illness coverage, maternity care, and more - all tailored to your unique needs.
Cashless Hospital Coverage
Enjoy hassle-free healthcare with our cashless hospital services. We take care of the paperwork and work directly with your hospital. Focus on your recovery, not the bills.
Tax Savings
A health insurance plan is not only beneficial to cover your expenses in a medical emergency, but it can also give you a tax rebate when you file your income tax returns.
Free Periodic Health Check-Ups Annually
Stay proactive with comprehensive health insurance. Prioritise preventive care and routine check-ups. Choose the right policy for a healthier future.
Cover Pre- & Post-Hospital Expenses
Health insurance covers inpatient costs and extended expenses, including pre- and post-hospitalisation periods.
Royal Pro-Tip 1 : Rising Medical Costs
In a world where a Band-Aid can cost as much as a coffee, health insurance isn't just a choice; it's a shield against skyrocketing medical expenses.
Explore our Health Insurance Plans
Your Trusted Insurance Partner for Over Two Decades
Lifeline
Recommended For Individual & Family (2 adults, 4 children)
Key Features
- No room rent capping
- Ambulance cover upto ₹3000
- 10% NCB and extends upto 50%
Premium starts at ₹ 452/mo*
Sum Insured₹2L - ₹4L
Key Features
- No room rent capping
- Ambulance cover upto ₹5000
- 20% NCB and extends upto 100%
Premium starts at ₹ 587/mo**
Sum Insured₹5L - ₹1Cr
Key Features
- No room rent capping
- OPD Treatment
- Maternity and New born Baby Cover
Premium starts at ₹ 2,910/mo***
Sum Insured₹25L - ₹1.5Cr
Multiplier Health Plan
Recommended For Individual & Family (2 adults, 4 children)
New launch
Key Features
- No room rent capping
- 20% no claim bonus for every claim free year
- 11X your base Sum Insured in 5 claim free years
- Asthma, high BP, high cholesterol & diabetes (ABCD) coverage benefits
Premium starts at ₹ 441/mo^
Sum Insured₹5L - ₹25L
Family Plus
Recommended For Extended family (up to 20 relatives)
Key Features
- No room rent capping
- Covers pre- & post-hospitalisation expenses
- 20% no claim bonus for every claim free year
- Covers day care treatments
- Maternity & newborn baby cover
Premium starts at ₹ 1,174/mo^^
Sum Insured₹2L - ₹15L
Arogya Sanjeevani
Recommended For Individual & Family
Key Features
- Ayush Treatment
- Covers Pre and Post Hospitalisation Expenses
- Covers day care treatment
- Modern or New-age treatments
- Cataract Treatment
Premium starts at ₹ 483/mo^^^
Sum Insured₹50K - ₹10L
What is Included and Excluded in Royal Sundaram Health Insurance Policy?
Hospitalisation Expenses
Coverage for in-patient hospitalisation expenses, including room charges, doctor's fees, nursing charges, surgery charges, etc.
Pre- and Post-Hospitalisation Expenses
Medical expenses incurred before and after hospitalisation for a specified period.
Day Care Procedure
Coverage for certain medical treatments and surgeries that don't require 24-hour hospitalisation, such as cataract surgery or dialysis.
Ambulance Services
Reimbursement for ambulance services during emergencies.
Domiciliary Treatment
Coverage for treatments received at home that would typically require hospitalisation.
Organ Transplant
Coverage for organ transplant surgeries and related expenses, as per policy terms and conditions.
Maternity Coverage
Coverage for maternity-related expenses, including pre- and post-natal care, childbirth, and newborn care.
No Room Rent Capping
Experience freedom in your healthcare choices with no room rent capping. Our policy covers your room expenses up to your Sum Insured, ensuring you get the care you deserve without limitations.
Specific Treatments
Some treatments or procedures will be excluded from coverage, such as cosmetic surgeries or alternative therapies, etc.
Non-Medical Expenses
Expenses not directly related to medical treatment, like administrative charges or phone bills.
Pre-Existing Conditions
Pre-existing conditions are excluded from the coverage during the waiting period.
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Self-Inflicted Injuries
Treatment for or arising from, an injury that is intentionally self-inflicted is excluded.
30-Days Waiting Period
No coverage for illnesses within the first 30 days of the policy, except for accidents, promoting responsible healthcare planning.
Injuries from any Hazardous Activites
Injuries sustained while participating in hazardous activities like extreme sports will not be covered.
Cosmetic or Plastic Surgery/Procedures
Procedures performed for cosmetic purpose or plastic surgery excluded.
War or Acts of Terrorism
Treatment for any illness or injury caused due to war, acts of terrorism, or nuclear events are excluded.
12,500+ Cashless Hospitals across India
Find your nearest partnered hospital
A Step-by-Step Guide to file a health insurance claim
Cashless Hospitalisation
Contact the Hospital Insurance Helpdesk:
Provide a copy of the patient's medical records / E-health card along with a valid government ID proof.
Pre-Authorisation:
The hospital's insurance helpdesk will send the Pre-authorisation form and supporting documents to our Third Party Administrator (TPA) for approval.
Information Verification:
If any information is missing or incomplete, the TPA may contact the hospital for the same.
Claims Approval:
Claims will be approved according to the policy's terms and conditions.
Discharge Process:
At the time of discharge, the hospital will submit the discharge summary and other related documents to our TPA for final approval.
Payment Settlement:
Post discharge, we will settle the claim payment directly with the hospital.
Reimbursement
Claim Intimation:
Inform us of your claim within 24 hours of hospitalisation at Care@royalsundaram.in
Non-Network Hospital Treatment:
If you receive treatment at a non-network hospital, you will need to pay for the treatment upfront and collect all treatment and expense-related documents.
Document Submission:
Submit all the documents along with the claim form directly to us within 30 days of discharge.
Claims Processing:
We will process your claim as per the policy's terms and conditions.
Reimbursement:
Once approved, we will reimburse the claim amount to you.
Royal Pro-Tip 2 : Zero Room Rent Capping
You get to choose any hospital room you want for your treatment, even the ICU if you need it. Just make sure that the cost doesn't go over your total coverage amount.
Things You Should Keep in Mind While Buying Health Insurance
When availing health insurance, assess your needs and opt for the coverage that aligns with your specific requirements.
Adequacy of Sum Insured
Please ensure the opted Sum Insured is adequate for any possible large claim in the future. It is recommended that you opt for any Sum Insured starting from Rs 5 lakhs and above.
Right Coverage
Choose a suitable plan considering age, lifestyle, and health conditions. Prioritise a plan that accommodates future healthcare expenses without burden.
Hospitals
Always check for network of hospitals that offer cashless hospitalisation. This means your insurance provider will settle the hospital bills directly and you don’t have to worry about payments.
Benefits
Want to start a family? Prenatal health care can be expensive. Look for a plan that offers maternity cover as well as infant cover.
Pre- & Post-Hospitalisation
Make sure your health insurance policy that you select covers both pre and post hospitalisation expenses, offering comprehensive support for your healthcare needs
Healthcare
Look for a health insurance policy that offers to cover the cost of regular medical check-ups and offers cover for disease management.
Why choose Royal Sundaram’s Health Insurance ?
Your Trusted Insurance Partner for Over Two Decades
-
Exhaustive Health Cover
Our medical insurance plans are designed to suit everyone's needs. Our different plans offer comprehensive and exhaustive health cover for individuals and families for all kinds of medical expenses.
-
Affordable Premiums
While it is important to have a robust health insurance policy, many people turn down opportunities to buy health insurance because of sky-high premiums. i.e This is not the case with Royal Sundaram’s Health Insurance Plans.
-
Wide Network of Hospitals
Royal Sundaram has one of the largest networks of affiliated hospitals, so you can avail quality medical care just about anywhere in the country.
-
Claim Settlement Ratio
A claim settlement ratio refers to the percentage of claims that a health insurance provider settles among the total number of claims. We have a consistently high claim settlement ratio. This means you can truly focus on recovery while we take care of your financial burden.
How Much Deduction You Can Avail Under Section 80D
Take a look at the tax benefit you can get by investing in health insurance.
Cashless Hospitalisation by Royal Sundaram Health Insurance
Check out our popular affiliated cashless hospitals with state-of-the-art healthcare facilities and trained medical professionals.
Medi Assist Insurance TPA
Paramount Health Service
Looking for Something Else?
Explore other options here
Policy Detailed Comparison
Your Trust Insurance Partner for Over Two Decades
|
Plan Comparison |
Lifeline - ClassicCover amount ₹2L - ₹4 L Starts at ₹452/mo* Check premium |
Lifeline - SupremeCover amount ₹5L - ₹1Cr Starts at ₹587/mo** Check premium |
Lifeline - EliteCover amount ₹25L - ₹1.5Cr Starts at ₹2,910/mo*** Check premium |
Family plusCover amount ₹2L - ₹15L Starts at ₹1,174/mo^^ Check premium |
MultiplierCover amount ₹2L - ₹15L Starts at ₹441/mo^ Check premium |
Arogya sanjeevaniCover amount ₹25L - ₹1.5Cr Starts at ₹483/mo^^^ Check premium |
|---|
|
Sum Insured is the maximum amount an insurance policy will pay for a covered loss. |
2/3/4 Lacs |
5/7.5/10/15/20/25/50/100 lacs |
25/30/50/100/150 Lacs |
Ind (2,3,5,10,15) + Floater(3,4,5,10,15,25,30,50) |
5/7.5/10/15/20/25 Lacs |
1L to 10L(Multiplies of 50K) |
|
Regular screenings to detect issues early, promoting overall well-being |
Once in 2 years |
Annual |
Annual |
Not Covered |
Annual |
Not Available |
|
Limit on daily expenses for hospital room in health insurance. |
No Room Rent Capping |
No Room Rent Capping |
No Room Rent Capping |
No Room Rent Capping |
No Room Rent Capping |
2% of SI up to a maximum of Rs. 5K/in ICU 5% of SI up to maximum of 10K |
|
insurance provision for ambulance services during emergencies. |
Up to ₹.3,000 |
Up to ₹.5,000 |
Up to ₹.10,000 |
Up to ₹.4,000 |
Up to ₹.5,000 |
Up to ₹.2,000 |
|
Coverage in health insurance for expenses related to organ transplantation, including medical procedures and donor costs. |
Covered upto SI |
Covered upto SI |
Covered upto SI |
Covered upto SI |
Covered upto SI |
Covered upto SI |
|
Medical treatment received while admitted to a hospital |
Covered up to SI |
Covered up to SI |
Covered up to SI |
Covered up to SI |
Covered up to SI |
Covered up to SI |
|
Caps on coverage for certain illnesses or conditions in health insurance. |
No Disease specific Sublimits |
No Disease specific Sublimits |
No Disease specific Sublimits |
No Disease specific Sublimits |
No Disease specific Sublimits |
25% of SI or Rs. 40K whichever is lower per eye |
|
Health insurance coverage for alternative and traditional forms of medicine, such as Ayurveda, |
Government Hospitals - Covered upto SI; Other Hospitals - Covered upto ₹.20,000 |
Government Hospitals - Covered upto SI; Other Hospitals - Covered upto ₹.30,000 |
Government Hospitals - Covered upto SI; Other Hospitals - Covered upto ₹.50,000 |
Government Hospitals - Covered upto SI; Other Hospitals - Covered upto ₹.30,000 |
Covered upto SI |
Covered upto SI |
|
Health insurance coverage for necessary vaccinations and medical treatment following an animal bite to prevent infections and complications. |
Upto ₹.2,500 |
Upto ₹.5,000 |
Upto ₹.7,500 |
Upto ₹.5,000 |
Upto ₹.5,000 |
Not Available |
|
Health insurance provision for transporting a patient from one medical facility to another as recommended by their doctor, |
Not Covered |
Covered upto ₹.1lakh |
Covered upto ₹.3 lakh |
Not Covered |
Covered upto ₹.1lakh |
Not Available |
|
Health insurance coverage for emergency hospitalisation and medical treatment while traveling abroad, excluding the United States and Canada |
Not Covered |
Not Covered |
50% of Base SI, upto Max 20 Lakhs. |
Not Covered |
Not Covered |
Not Available |
|
Health insurance coverage that allows for medical treatment outside of your home country for 11 specified critical illnesses |
Not Covered |
Not Covered |
Covered upto SI, Airfare upto ₹.3 Lakhs |
Not Covered |
Not Covered |
Not Available |
|
Health insurance provision for covering outpatient dental expenses |
Not Available |
Not Available |
Covered once in 2 years with limit of 30% of OPD SI |
Not Available |
Not Available |
Not Available |
|
Covert your base plan as top up plan |
Available with Deductible of ₹.1, 2, 3, 4, 5 and 10 lakhs |
Available with Deductible of ₹.1, 2, 3, 4, 5 and 10 lakhs |
Not Available |
Not Available |
Not Available |
Not Available |
|
This cover helps with out-of-pocket expenses like travel and food for attenders during the hospital stay. |
₹.1,000/day |
₹.2,000/day |
₹.5,000/day |
₹.2,000/day |
Not Available |
Not Available |
|
Enjoy benefits like APP based cab coverage (Ola, Uber, etc.) |
Not Available |
Covered as a part of Ambulance Cover |
Covered as a part of Ambulance Cover |
Not Available |
Available |
Not Available |
|
If a 5% Co-payment is chosen, the insurer will pay 95% of the eligible claim amount, and the customer will receive a 5% premium discount |
Available |
Available |
Available |
Available |
Available |
upto 5% as inbuilt |
|
An additional feature in health insurance that covers the cost of consumable medical items used during hospitalisation, such as gloves, |
Upto 50K/Hospitalisation |
Upto 50K/Hospitalisation |
Upto 50K/Hospitalisation |
Not Available |
Upto 50K/Hospitalisation |
Not Available |
|
This cover provide personalized guidance on diet, nutrition, and exercise, along with free video consultations with doctors. |
Available for 2A |
Available for 2A |
Available for 2A |
Available for 2A |
Available for 2A |
Not Available |
|
Coverage in health insurance that includes medical expenses incurred both before and after a hospital stay. |
30/60 days, Covered upto SI |
60/90 days, Covered upto SI |
60/180 days, Covered upto SI |
60/90 days, Covered upto SI |
60/180 days, Covered upto SI |
30/60 days, Covered upto SI |
|
The age at which an individual is eligible to purchase or enroll in an insurance policy, |
91 days to No Limit |
91 days to No Limit |
91 days to No Limit |
91 days to No Limit |
91 days to 65 |
91 days to 65 |
|
|
10% of Base SI upto a max of 50% of SI. NCB Does Not decrease in case of claim |
20% of Base SI upto a max of 100% of SI. NCB Does Not decrease in case of claim |
20% of Base SI upto a max of 100% of SI. NCB Does Not decrease in case of claim |
20% of Base SI upto a max of 100% of SI. NCB Does Not decrease in case of claim |
20% of Base SI upto a max of 100% of SI. NCB Does Not decrease in case of claim |
5% in respect of each claim free year subject to a maximum of 50% of SI, in the event of claim Cumulative Bonus shall be reduced at the same rate. |
|
A feature that allows for the replenishment or restoration of the Sum Insured amount after it has been fully exhausted during the policy year. |
Upto Base SI. |
Upto Base SI. |
Upto Base SI. |
Upto Individual Base SI. |
Available upto 100% of Base Sum Insured even for same |
Not Available |
|
|
Not Covered |
Not Covered |
Not Covered |
Not Covered |
Multiplier benefit will increase the Sum Insured including NCB up to 4 times |
Not Covered |
|
Health insurance programs and benefits designed to promote and maintain overall health and well-being |
Available |
Available |
Available |
Not Available |
Not Available |
Not Available |
|
An insurance feature that provides policyholders with the option to seek a second medical opinion from a qualified specialist when diagnosed with one of the specified critical illnesses covered by the policy. |
Not Covered |
Available once during the policy period |
Available once during the policy period |
Not Covered |
Total 22 CI covered |
Not Covered |
|
Provides coverage for the medical expenses related to childbirth for a maximum of two pregnancies. |
Not Covered |
Not Covered |
Covered, as per limits in the plan |
Covered, as per Limits upto 50K |
Not Covered |
Not Covered |
|
A component of health insurance that provides coverage for medical expenses incurred by a newborn baby during the first 90 days of life. |
Not Covered |
Not Covered |
Covered, as per limits in the plan |
Covered with mother's Individual SI |
Not Covered |
Not Covered |
|
Vaccination for newborns in the first year is crucial for disease prevention. |
Not Covered |
Not Covered |
Covered upto ₹.10000 |
Covered upto ₹.10,000 |
Not Covered |
Not Covered |
|
A health insurance feature that reinstates the original coverage amount once it's fully utilized in a policy year, |
Not Available |
Once in a lifetime, for the same illness. |
Once in a lifetime, for the same illness. |
Not Available |
Available as in-built |
Not Available |
|
Health insurance provision offering coverage for hospitalisation and medical treatment facing life-threatening medical conditions. |
Not Available |
Up to ₹ 1,00,000 |
Up to ₹ 2,00,000 |
Not Available |
Available from 2 year upto 50% of claim amount max 2L |
Not Available |
|
A medical procedure performed to assist with weight loss in individuals with severe obesity. |
Not Available |
Up to ₹ 50,000, with a 6 year waiting period. |
Up to ₹.2 Lakhs with a 6 year waiting period. |
Not Available |
Available |
Not Available |
|
|
Not Available |
Up to 5% of SI or ₹ 50,000 (whichever is lower) |
Upto ₹ 50,000 |
Not Available |
Covered |
Not Available |
|
|
Not Available |
Available |
Available |
Not Available |
Inbuilt cover |
Not Available |
|
Health insurance coverage that extends international medical treatment options for three more specified critical illnesses, |
Not Available |
Not Available |
Available |
Not Available |
Not Available |
Not Available |
|
|
Not Available |
Not Available |
Covered upto Rs.2.5 Lakhs |
Not Available |
Not Available |
Not Available |
|
|
Not Available |
No Zone based Co-pay |
No Zone based Co-pay |
Not Available |
Not Available |
Not Available |
|
A specific period after the start date of an insurance policy during which certain benefits, such as coverage for pre-existing conditions or specific treatments, may not be available. |
30 Days |
Available |
30 Days |
30 Days |
30 Days |
30 Days |
|
A predefined waiting period within an insurance policy during which coverage is not provided for certain specific conditions, treatments, or services. |
24 Months |
24 Months |
24 Months |
24 Months |
24 Months |
24 Months |
|
A waiting period in health insurance policies that specifically applies to pre-existing diseases (PED). During this waiting period, coverage for treatment related to pre-existing conditions is not available. |
36 Months |
36 Months |
24 Months |
36 Months |
36 Months |
36 Months |
What Factors Influence Insurance Premiums and How Are They Calculated?
The premium in insurance refers to the amount of money paid by the policyholder to the insurance company in exchange for coverage and it is influenced by insured members age, city, lifestyle, BMI, occupation type, etc
Have more questions about your health insurance? Learn more about how health insurance works.
How Is It Calculated
Insurance Plan
Insurance plan determines premium and coverage. Higher sum insured and number of insured individuals covered will affect premium.
Pre-Existing Medical Conditions
Pre-existing medical conditions may increase premium and have a waiting period for claims.
Lifestyle
Lifestyle impacts health insurance premium - higher for smokers due to increased health risks.
Age
Age impacts health insurance premium - lower for youth, higher with age. Purchase early for better coverage and potential bonuses.
Location
Location affects premium cost - discounts available in select cities.
- Underweight : 18.6
- Overweight : 39.9
- Normal : 24.9
- Obese: > 40
Your BMI
00.00
Great shape
Maintaining a health BMI for lower insurance premiums. Explore our plans now!
More QuestionsAbout Health Insurance? We Have Answers
FAQs on Health Insurance Policy
When you have a health insurance policy, there are essential steps to comprehend for managing emergency medical expenses:
- Annual Premiums: You pay yearly premiums as per your chosen health plan, maintaining your coverage.
- Medical Treatment: If you or other policyholders need medical treatment, contact either Royal Sundaram or the TPA office at the hospital.
Any Indian resident aged 18 and above is eligible. Age limits for coverage vary; generally, it's 18 to 65 years. Coverage for newborns can be added to family plans after 90 days. Senior citizen plans typically start at 60 years.
Yes, you can purchase multiple Health Insurances based on your medical needs.
Different plans suit different individuals:
- Individual Health Insurance
- Family Floater Health Insurance
- Senior Citizen Health Insurance
- Critical Illness Insurance
- Maternity Health Insurance
Along with annual payments, Royal Sundaram allow monthly, quarterly, or semi-annual payments.
Buying early brings benefits like lower premiums, higher covers, and bonus advantages. Also, it helps manage personal and medical loans.
Yes, under Section 80D of the Income Tax Act, you can claim tax benefits up to the specified amount as per IT act.
Certainly, including lower premiums, better cover, wellness benefits, and tax advantages.
Opt for comprehensive plans that suit your needs, including services, medical care network, access to insurers, settlements, and additional services.
Not a direct discount, but a no-claim or cumulative bonus can offer reduced premiums or increased coverage after claim-free years.
In cases of organ transplant, donor expenses cover hospitalisation costs for the donor except the organ cost.
Ensure it covers hospitalisation, ambulance, PPE kits, medicines, consultations, and ICU expenses.
It's a medical condition already affecting the person applying for insurance, such as diabetes or high blood pressure.
Yes, but terms may include waiting periods or higher premiums.
Individual plans' waiting periods can be reduced for an extra premium. Group plans and senior citizen plans might have different provisions.
If diagnosed with a condition like diabetes during the waiting period, it's not considered pre-existing, and you can claim expenses.
Health insurance providers typically extend coverage to various family members under family floater plans, including:
- Self
- Spouse
- Children (above 3 months and below 18 years)
- Dependent parents
- Parents-in-law
- Siblings
Yes, Royal Sundaram insurance have an extensive network of affiliated hospitals where you can make health insurance claims. However, it's advisable to check your insurance policy for any clauses that mention geographical limitations.
You can consider increasing the Sum Insured or adding value-added benefits to your existing health insurance plan during policy renewal each year.
No, there is usually a cooling-off period of 15-30 days after purchasing a health insurance policy before it becomes active. Some policies, especially those with an accident cover, might offer coverage from the next day. Additionally, if you have pre-existing medical conditions, there's a waiting period that can range from 1 to 3 years.
Maternity coverage is typically not included in standard health insurance policies unless specified. If maternity costs are covered, there's usually a waiting period of 2 to 4 years before you can claim these expenses. However, policies that include maternity coverage often come with higher premiums.
Health insurance renewal premiums can increase over time due to various reasons. Let's explore these factors briefly:
Age Bracket Change
Health insurance premiums are often structured based on age brackets. Moving to a different bracket due to age results in a premium increase.
COVID-19 Impact
While natural disasters impact specific regions, the unprecedented scope of the COVID-19 pandemic has led to increased claims nationwide, prompting insurance premium adjustments.
Inflation Effect
Inflation significantly influences health insurance premium rates. Rising medical costs necessitate higher premiums as treatments become costlier over time.
Unused coverage doesn't result in a refund. Instead, policyholders may receive a no claim bonus, provided by the insurer.
Policyholders not making claims during their coverage period often receive a cumulative bonus during renewal. This bonus increases the Sum Insured each claim-free year, with a specified limit. It applies to indemnity-based plans upon continuous renewal.
Yes, you can cancel your health insurance within 30 days of receiving policy documents or before the policy becomes active, adhering to terms in the insurance contract.
Royal Sundaram offer grace period for premium payment, a period of 15 days in case of monthly payments and 30 days in case of quarterly, half-yearly and yearly payments immediately following the Policy Period End Date. Failure to pay may lead to policy cancellation, denial of coverage or renewal.
Yes, policyholders can transfer their existing health insurance to another provider per guidelines issued by the Insurance Regulatory and Development Authority (IRDA). This ensures you can shift insurers without sacrificing benefits.
During certain medical emergencies, such as accidents, taking the policyholder to an affiliated network hospital might not be feasible. In such cases, health insurance claims are still possible, though cashless hospitalisation might not be available. The policyholder would need to cover the medical expenses and later submit the bills to the health insurance provider for reimbursement.
When making a health insurance claim, the policyholder typically needs the following documents:
- Proof of identity
- Proof of insurance
- Health card
- Hospital bills
A no claim bonus can result in either a premium discount or a cumulative benefit, translating to increased Sum Insured without additional payment. Most providers offer a 5% cumulative bonus on the Sum Insured for each claim-free year. For instance, if the Sum Insured is ₹5 lakhs, after the first year of no claims, the policyholder gains an extra coverage of ₹25,000. This accrues for consecutive years without claims, potentially doubling the Sum Insured within a few years.
When purchasing health insurance, a free look period (typically 30 days) is provided for policy evaluation. Only after this period does the health insurance policy become active.
Acquiring health insurance, whether online or offline, is straightforward. The necessary documents include:
- Proof of identity and age: Aadhar, PAN, Passport, Voter ID card, Driving license
- Proof of residence: Aadhaar, Passport, Voter ID card
- Medical check-up documents
Your health insurance policy generally covers medical treatment up to a predetermined amount. As long as this limit is not surpassed, you can make multiple claims within a year.
Health Insurance Policy Terms & Conditions:
We request you to carefully read and understand the Terms and Conditions, before you buy the Policy. All claims are processed strictly according to it. Please speak or chat with our Customer Support Team, if you need any clarification.
Download Health Insurance Policy wording documents
Lifeline Policy Wordings Family plus Policy Wordings Arogya Sanjeevani Policy Wordings Multiplier policy wordings Advanced top-up policy wording*Price calculated based on a 25-year-old purchasing individual Classic plan with a sum insured of ₹2 lacs in zone1
**Price calculated based on a 25-year-old purchasing individual Supreme plan with a sum insured of ₹5 lacs in zone1
***Price calculated based on a 25-year-old purchasing individual Elite plan with a sum insured of ₹25 lacs in zone1
^Price calculated based on a 25-year-old purchasing individual plan with a sum insured of ₹5 lacs in zone1
^^Price calculated based on a 25-year-old 2 Adults purchasing family plan with a sum insured of ₹5 lacs in zone1
^^^Price calculated based on a 25-year-old purchasing individual plan with a sum insured of ₹50,000 in zone1
Terms and Conditions
1. Consent for Communication:
By submitting my contact number and email ID, I authorize Royal Sundaram 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 General Insurance Limited.
2. Premium Payment:
I declare that the premium paid under this transaction to Royal Sundaram General Insurance 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. Authorization and Sharing of Information:
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. Further, I agree that I shall not lodge any complaint to TRAI of any alleged unsolicited by Royal Sundaram to me, as part of their policy/claims servicing.
4. Information Sharing:
I hereby permit/authorize Royal Sundaram General 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.
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
Lifeline Classic benefits
Key features
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Pre and Post Hospital Expenses
Covered for 30/60 days up to Sum Insured
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No claim Bonus
Earn 10% of Base Sum Insured ,every claim-free year, up to a maximum of 50%.
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Health Check up
You are entitled to a complimentary health check-up once every two years.
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Organ Donor Expenses
Expenses related to organ donation are covered up to the Sum Insured.
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Maternity benefit for mother and new born child
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Worldwide emergency hospitalisation
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International treatment for 11 specified critical Illness
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IVF treatment
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OPD treatment Not covered
Lifeline Supreme benefits
Key features
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Annual Health Check up
Enjoy a free annual health check-up, ensuring you can prioritize your well-being and stay on top of your health journey
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No claim Bonus
Earn 20% of Base Sum Insured, every claim free year up to a maximum of 100%
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Ayush Treatment
We've got you covered for inpatient care at hospitals under Ayurvedha , Unani , Sidha or homeopathy treatment forms.
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Ambulance coverage
Up to ₹5,000 per hospitalisation
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Pre and Post Hospitalisation
We've got your back even before and after your hospital stay! . 60/90 days, up to the Sum Insured
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Emergency Domestic evacuation
Upto Rs.1 lakh available once during Policy Period in case of medical emergency and on advise of treating doctor.
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Maternity benefit for mother and new born child
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Worldwide emergency hospitalisation
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International treatment for 11 specified critical Illness
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IVF treatment
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OPD treatment Not covered
Lifeline Elite benefits
Key features
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OPD (OPD treatment)
We've got you covered for OPD expenses up to ₹10,000. Your well-being is our top priority!
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Pre existing Disease waiting Period
we offer a waiting period for pre-existing diseases as low as 24 months.
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Annual health Check up
Enjoy a free annual health check-up, ensuring you can prioritize your well-being and stay on top of your health journey.
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Maternity and new born baby cover
Maternity coverage for up to two deliveries. Not only that, your newborn baby will also be covered, ensuring their well-being right from the start.
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Worldwide Emergency Hospitalisation
No matter where life takes you, rest easy knowing that our health insurance provides worldwide hospital coverage*
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Ambulance coverage
Up to ₹10,000 per hospitalisation
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Pre-Existing diseases in first 24 Months
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Treatment for any illness in the first 30 days
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90 days initial waiting period for Critical Illness
Multiplier benefits
Key features
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No claim bonus
Earn 20% of Base Sum Insured, every claim free year up to a maximum of 100%
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Pre and post hospitalisation
We've got your back even before and after your hospital stay! . 60/90 days, up to the Sum Insured.
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ABCD benefit
Customers with conditions like Asthma, Blood Pressure, Cholesterol, and Diabetes (ABCD) get special coverage, starting from the 31st day upon underwriting acceptance for timely support
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Worldwide emergency hospitalisation
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OPD treatment
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IVF treatment
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Maternity expenses
Family plus benefits
Key features
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Maternity Benefits
Maternity Cover for up to 2 Deliveries
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Inpatient Care
Covered Up to Base Sum Insured
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No Claim Bonus
Earn 20% of Base Sum Insured upto a max of 100%
*For complete list of Inclusions and exclusions download policy brochure
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Worldwide emergency hospitalisation
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In-Vitro Fertilization (IVF) Treatment
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Mobility Devices-wheel chairs/ crutches etc.
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Bariatric Surgery
Arogya Sanjeevani policy
Key features
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Room Rent Capping
Covered Up to 2% of Sum Insured, Max ₹5,000/Day
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Pre and post hospitalisation expenses
Covered for a period of 30 / 60 days before and after hospitalisation, upto Sum Insured
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Ayush treatment
Ayush treatment covers inpatient care treatment under Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy system of medicines.
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Co-Payment
Each and every claim under the policy shall be subject to a co-Payment of 5%
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No claim Bonus
Earn 5% of Sum Insured, every claim free year up to a maximum of 50%.
*In the event of claim the cumulative bonus shall be reduced at the same rate
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Domilciliary hospitilization
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Maternity Expenses
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Worldwide emergency cover
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OPD treatment
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Free annual health check up
To view the complete list of exclusions, refer to the detailed policy terms and conditions.
Advanced Top up plan
Key features
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Inpatient care
When you're in the hospital, we cover all your room, treatment, and medical expenses, including surgeries and tests.
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Pre and post hospitalisation:
We cover medical expenses for 60 days before and 90 days after your hospitalisation.
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Organ donor expenses:
We cover medical expenses for the organ donor including harvesting of the organ , within the Sum Insured
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Ambulance cover
Covers Ambulance charges for emergency transport , Including app-based cab service charges for hospital admission.
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Pre-existing disease waiting period
Until 36 months of continuous coverage after policy inception
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Initial Waiting period
Treatment of any illness within the first 30 days, except for accidents , is not covered .
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Alcoholism, Drug or Substance abuse.
Treatemnet for Alcoholism , Drug or substance abuse , Tobacco abuse and addiction related issues and consequences.