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Individual Health Insurance Plans

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Royal Sundaram Health Insurance

Formerly known as Royal Sundaram Alliance Insurance Company Limited, Royal Sundaram General Insurance Co. Limited initially started its journey as a joint venture between Sundaram Finance and other Indian Shareholders. It is the first private sector general insurance company in India, licensed in 2000. The company has come up with a wide range of insurance products including motor, health, home, travel, personal accident and some more with a variety of plans suited for the different needs of the individuals.

Key highlights about Royal Sundaram Health Insurance

ParametersKey highlights
Incurred claim ratio (in the financial year of 2019-2020)63.55
Number of policies sold (in the financial year of 2019-2020)175,677
Solvency Ratio (March 2020)1.69
Network hospitals5000+
Premium underwritten (in the financial year of 2019-2020)3666.96 crores
Branches PAN India158
Some attainments of the company
  • It is also the first insurer in the country to introduce the cashless claim settlement mode for health claims.
  • It is the first insurance company in India to tie up with other banks and NBFCs to sell their insurance products.
  • The company is the first private insurer to introduce innovative health benefits like Hospital Cash.
  • It is the first insurer to introduce in-house Motor Assessors (IMAs).

Royal Sundaram Health Insurance Plans

Royal Sundaram Health Insurance has come up with health insurance plans that can quench the needs of different individuals with varied needs as the policies are on an individual and/or family floater basis. The plans promise to protect you from the medical expenses arising out of illnesses, diseases, and ailments and to secure your life from the health hazards. Let us find out the plans below.

Plan typeThe plan offered by Royal Sundaram
Individual and family health insurance plan

Lifeline Plans (comes with 3 variants)

  1. Lifeline Classic
  2. Lifeline Supreme
  3. Lifeline Elite
Family floater health insurance planFamily Plus Health Insurance Plan

Lifeline is a comprehensive indemnity plan that provides health covers for both an individual and a family to protect the insured against the medical expenses incurred due to health hazards. It comes with three variants – Classic, Supreme, and Elite. Each plan is beneficial and comes with many advantages.

Royal Sundaram Lifeline Classic Health Insurance:

It is a holistic health insurance plan that is offered on both an individual and family floater basis to safeguard you and your family. It comes with a bundle of benefits at an affordable premium rate.

Eligibility Criteria:

Entry age

Adults – 18 years (no upper limit for the adults)

Dependent children – 91 days to 25 years

Sum insured2 lakhs, 3 lakhs, 4 lakhs

Key benefits of the plan:

  • Under this plan, domiciliary hospitalization, organ donor, inpatient, and all daycare procedures expenses are covered up to the sum insured.
  • If you have taken AYUSH treatments from a government hospital, then the expenses are covered up to the sum insured. But in the case of other hospitals, the cover is up to Rs. 20,000.
  • If you need to take a vaccine in case of an animal bite, the policy takes care of the expenses up to Rs. 2500.
  • You can avail yourself of free health check-up facility once every 3rd policy year if the policy continues without any break.
  • Apart from the basic cover, you can also avail of optional benefits like Hospital Cash facility for 30 days in case of hospitalization beyond 2 days, subject to Rs. 1000 per day.

Royal Sundaram Lifeline Supreme/Supreme Plus Health Insurance:

This type of lifeline plan offers a comprehensive benefit for the individual and to the family that comes with a wide array of benefits including health & wellness benefits, Annual Health Check-up, Second Opinion for Critical Illness, and many more.

Eligibility Criteria:

Entry age

Adults – 18 years (no upper limit for the adults)

Dependent children – 91 days to 25 years

Sum insured5 lakhs, 10 lakhs, 15 lakhs, 20 lakhs, and 50 lakhs

Key highlights of the plan:

  • For emergency transportation from one hospital to another, the road ambulance expenses are covered up to Rs. 5000 per event.
  • No claim bonus facility is available under this policy that is 20% of Base Sum Insured, subject to a maximum limit of 100% of the sum insured.
  • Under this policy, a second opinion for 11 pre-specified critical illnesses is available once during a policy year.
  • One can avail of the benefit of emergency domestic evacuation on the advice of the treating doctor up to a maximum limit of 1 lakh.
  • Under Supreme Plus policy one can get in-patient PED cover for life-threatening conditions up to Rs. 1 lakh.
  • The Supreme Plus plan also covers the expenses for mobility devices such as wheelchairs, crutches, etc. up to 5% of the sum insured or Rs. 50,000, whichever is less.

Royal Sundaram Lifeline Elite/Elite Plus Health Insurance:

This plan is suitable for those who like to travel the world and side by side also choose to keep health insurance as this policy offers extensive health covers and facilities in India as well as abroad. The plan comes with a wide range of benefits including maternity benefits, critical illnesses benefit, worldwide treatments, and many more.

Eligibility Criteria:

Entry age

Adults – 18 years (no upper limit for the adults)

Dependent children – 91 days to 25 years

Sum insuredRs.25 lakhs, Rs.30 lakhs, Rs.50 lakhs, Rs.1 crore and Rs.1.5 crores

Key highlights of the plan:

  • Maternity cover up to two deliveries is provided that is subject to the company’s terms and conditions.
  • This policy provides coverage for OPD treatment up to Rs. 10,000.
  • Worldwide emergency hospitalization cover except for the US and Canada is available with this plan that is 50% of the Base Sum Insured and subject to a maximum limit of Rs.20lakhs. in this scenario, the deductible of $1,000 per hospitalization is applicable.
  • One can also avail of international treatment cover overseas for pre-specified 11 critical illnesses excluding US and Canada that is covered up to sum insured and the return airfare cover is available up to Rs.3 lakhs.
  • Under the Elite Plus category, In-Vitro Fertilization (IVF) treatment expenses are covered up to Rs. 2,50,000 after the waiting period of 4 years.
  • As a part of road ambulance cover for emergency transportation from one hospital to another app-based cab, the facility is available up to Rs. 10,000 under the Elite Plus category.

2. Royal Sundaram Family Plus Health Insurance Plan

It is a unique family floater health insurance plan that is most suitable for extended families as it can cover up to 19 members. It is not only affordable but also provides an outstanding benefit where each insured member of the family will have an individual sum insured along with the floater sum insured.

Eligibility Criteria:

Entry age

Adults – 18 years

Children – 91 days

(No maximum entry age)

Sum insured

Individual Base Sum Insured – Rs.2 lakhs, Rs.3 lakhs, Rs.5 lakhs, Rs.10 lakhs & Rs.15 lakhs.

Floater Sum Insured – Rs.3 lakhs, Rs.4 lakhs, Rs.5 lakhs, Rs.10 lakhs, Rs.15 lakhs, Rs.20 lakhs, Rs.25 lakhs & Rs.50 lakhs.

Minimum number of members to be insured2

Key highlights of the plan:

  • Inpatient hospitalization expenses, costs of all day care procedures, domiciliary hospitalization expenses are covered up to the sum insured.
  • Under this plan, one can avail of health and wellness services such as health-related articles, doctor on chat, and much more to maintain a healthy lifestyle. This facility is available for each insured member who is above 18 years, irrespective of claims.
  • After the delivery of the child, for the insured mother nutritional allowance is provided.
  • In case of emergency transportation, the road ambulance cover up to Rs. 4000 per insured member is available per event of hospitalization.
  • One can avail of the facility of the second opinion of an experienced doctor for diagnosis and treatment of 11 pre-specified critical illnesses.

Other Plans: Multiplier Policy, Advanced Top-Up Policy

Why is Royal Sundaram an ideal choice for buying Health Insurance?

If you search the market of health insurance, you can find a bundle of health insurance companies with different plans and various benefits. Then, it becomes confusing for the policy-seeker to find a proper company to trust and to search for the right health plan that can be suitable for him. This problem can be solved if you search on the basis of a few parameters. And it has been found that Royal Sundaram qualifies for all the parameters and has become a reliable health insurance provider. Let us find out why Royal Sundaram is an ideal one for you.

  • Distribution network – This company works with more than 2000 employees and it has 158 branches all over the country. Additionally, the company has made its presence in 173 cities of India. The plans are distributed through various channels-agents, distribution partners, affinity partners, brokers, and online. All these denote that the company is easy to find; the plans are easily available, and you can reach out to the company whenever you need.
  • Network hospitals – If you want to avail of the cashless claim settlement facility, you need to get admitted to one of the network hospitals of the company. So, if the number of the network hospitals is higher that means it is easy to find a desirable quality hospital within your vicinity as at the time of medical emergency you cannot travel far in search of a proper hospital. Royal Sundaram has more than 5000 network hospitals PAN India and you can choose anyone according to your convenience from this long list. So, you can definitely keep this company on your bucket list.
  • Solvency ratio – The solvency ratio of a company determines whether the company is capable of meeting long-term financial obligations. The higher the solvency ratio, the higher the chances of the company’s ability to pay off the lump sum claim amount. For Royal Sundaram, the solvency ratio is 1.69 (March 2000) according to the IRDA Annual Report, which is higher than many other health insurance companies. Therefore, you can trust this company.
  • Claim settlement ratio – People buy health insurance plans so that it can protect them or their family at the most needed hour from the financial obligations due to medical expenses. Therefore, to judge a company, the claim settlement ratio plays an important role. According to the IRDA Annual Report, the claim settlement ratio of Royal Sundaram in the financial year of 2019-2020 is 63.55, which Is quite good. So, if you purchase a health plan from this company, your claim is likely to be settled positively.
  • Coverage – Royal Sundaram comes with health plans along with various benefits that are suitable for most individuals and families. The plans are affordable and they not only offer the basic cover benefits but also have to offer multiple other benefits like vaccination in case of an animal bite, worldwide emergency hospitalization, re-load of the sum insured, and many more. That makes the company eligible enough to be a truthful partner in your life.
  • Annual premium – The annual premium of a company demonstrates the market share of the same. According to IRDA Annual Report, the premium underwritten by Royal Sundaram in the FY of 2019-2020 is 366.96 crores, which has been increased over the years and is quite higher than many health insurance companies. Therefore, once you buy a health plan under it, you are safe with the company.
  • Customer support – The company keeps its door open for its customers 24×7. It is just a phone call away. So whenever you need, you can always find Royal Sundaram beside you, serving faithfully.

How to purchase from Royal Sundaram Health Insurance?

You can buy a health plan from Royal Sundaram by following the easy procedures.

Online buying process:

For online buying procedure follow the below-mentioned steps:

  • First, go to their official website and click on the ‘Insurance’ tab and select ‘Health Insurance’.
  • From there choose a desirable health plan according to your convenience.
  • Then, click on the ‘Get Quote’ option.
  • Fill up with all the necessary details that are asked such as the proposer’s name, date of birth, sum insured, contact details, etc.
  • After providing all the required details, the premium amount will be displayed.
  • Pay the premium. Upon successful payment, the policy document will be sent to your registered email address.

Another online process:

  • Go to the company’s official website and there you can find the ‘Call Back’ option.
  • Click on that and provide the necessary details like name, email address, mobile number, and desired health plan.
  • Click on the ‘Call Back’ tab.
  • You will receive a call from the company and they will guide you thoroughly throughout the buying procedure.

You can also visit the nearest branch of the company to get assistance from an experienced person from the company for buying a health plan seamlessly.

Otherwise, you can take help from a licensed agent of the company or any of the trusted web insurance aggregators for purchasing a health plan from Royal Sundaram.

Royal Sundaram Health Insurance Renewal

By following the below-mentioned steps, you can easily renew Royal Sundaram health plan without any hazards.

  • First, go to the official website of the company, and there you will find the ‘Insta Renew’ option.
  • Upon clicking that option, a different page will be opened, and select ‘Health Insurance’.
  • Put your registered mobile number or policy number and expiry date and submit.
  • There you can see your policy details and the amount of the premium that you have to pay.
  • Pay the premium.
  • Upon successful payment, the policy documents will be sent to your registered email ID.

How to calculate the premium for Royal Sundaram Health Insurance?

If you want to calculate the premium seamlessly for the selected health insurance plan of Royal Sundaram, you can follow the below steps.

  • Go to the company’s official website and visit the health insurance section.
  • Select a desirable plan and click on the ‘Calculate Premium’ or ‘Get Quote’ tab.
  • Then you need to put in all the mandatory details such as plan type, number of adults, number of children, sum insured, the address and contact details of the proposer, etc.
  • Upon filling up the form, click on the ‘Calculate Premium’ option and the amount will be displayed.

For better understanding, here is a table of the premium for Royal Sundaram Lifeline Elite Health Insurance:

Age of the personSum insuredCityCoverage typePremium Amount (Annual)
36 yearsRs. 25 lakhs





Rs. 45,830
Rs. 30 lakhsRs. 49,551
Rs. 50 lakhsRs. 63,324
Rs. 100 lakhsRs. 71,732

For Royal Sundaram, Europ Assistance India Private Limited, a service provider handles most of the claim procedures. It comes with four benefits and they are as follows.

  • Second opinion for 11 critical illnesses
  • Emergency domestic evacuation
  • Worldwide emergency hospitalization
  • International treatment for 11 specified critical illnesses.

All claims for benefits other than the afore-said four benefits will be served through Paramount Health Services and Insurance TPA Pvt. Ltd.

Royal Sundaram offers two methods to settle your claims- Cashless and Reimbursement claim settlement process. The steps for easy and successful claim settlement for both procedures are explained below.

Cashless claim settlement procedure:

  • To avail of the cashless facility, you have to get admitted to a network hospital of the company.
  • For planned hospitalization inform the Third Party Association (TPA) at least 72 hours prior to the hospitalization and seek cashless authorization.
  • For emergency hospitalization, intimate the TPA within 48 hours of the hospitalization and seek the same.
  • Submit the duly filled and signed cashless claim form along with the other required documents.
  • The TPA will examine the claim for its eligibility as per your policy document and will send a cashless authorization letter to the hospital within 3 hours.
  • If there is any deficiency, the TPA will communicate directly to the hospital within 3 hours.
  • Meanwhile, you need to pay the non-medical bills and the other expenses that are not covered under your policy before the discharge from the hospital.
  • If your claim request is approved, the company will settle the bills directly with the hospital.
  • If the claim is rejected, the rejection letter will be sent to the hospital only.

Reimbursement claim procedure:

  • If you have taken medical treatments from a non-network hospital of the company, you have to file for a reimbursement claim.
  • Inform the insurer about the event of a medical emergency and submit the duly filled and signed reimbursement claim form within the stipulated time period.
  • Submit all the required documents at the Royal Sundaram General Insurance branch office.
  • The documents will be examined and verified by the company. So, do not provide any wrong information and co-operate with the insurer.
  • If there is no deficiency found in the submitted documents, your claim will be settled by the company within 30 days that is subject to the terms and conditions of the company.
  • If any discrepancy is found, a deficiency letter will be sent to the applicant within 7 days.
  • The payment of the reimbursement claim will be done in the name of the applicant or proposer.

What are the documents required for a reimbursement claim?

The necessary documents are as follows.

  • Policy document 
  • Applicant/proposer’s contact details and address.
  • Valid ID proof.
  • Duly filled and signed claim form
  • All the medical bills.
  • All the certificates such as discharge certificate, doctor/surgeon’s certificate.
  • Pharmacy bills
  • Test reports.
  • Prescriptions.
  • Any other document as demanded by the company

How to connect with Royal Sundaram Health Insurance?

Registered Office Address: Royal Sundaram General Insurance Co. Limited. 

No. 21, Patullos Road, 

Chennai – 600 002. 

Corporate Office Address: Royal Sundaram General Insurance Co. Limited.

Vishranthi Melaram Towers

No.2/319, Rajiv Gandhi Salai (OMR)

Karapakkam, Chennai – 600097

Tel: 91-44-71177117

Fax: 91-44-71137114

Customer Service: 1860 258 0000, 1860 425 0000

For new policy call at 022-50061033

Email ID:

Frequently Asked Questions

Yes, Royal Sundaram health plans offer coverage for the hospitalization expenses arising out of coronavirus.

Yes, you can cancel your health insurance plan and the amount will be refunded but that is subject to the policy and the company’s terms and conditions.

Yes, you can. In that case, you have to submit a duly filled and signed portability form along with the required documents. Once your application is accepted by the company, you can buy a health insurance policy from Royal Sundaram.

No, this facility is only available with Royal Sundaram Lifeline Elite Health Insurance Policy.

Yes, under Royal Sundaram Lifeline Elite Health Insurance Policy, you can avail of the facility of newborn baby cover up to 25% of the sum insured.

The company reloads the sum insured at no extra cost if the insured person exhausts the health cover due to claims in a policy year and the further claim is raised by either you or any other insured family member of yours for a different ailment. This benefit helps you to settle those claims.

Yes, you can. Royal Sundaram Family Plus Health Insurance Policy gives you the opportunity to insure up to 19 members of your extended family.
The common waiting period for all the health policies of Royal Sundaram is 30 days with 1st and 2nd year exclusions. However, the waiting period for pre-existing diseases may vary from 2 years to 4 years.

Yes, you can. For that, you need to contact the customer service experts of the company and have to share a request for the sane in writing. They will evaluate and consider that is subject to various medical underwriting processes.

The company will only pay the diagnostic expenses as pre-hospitalization expenses if you are diagnosed positive for Covid-19 followed by in-patient hospitalization and that is subject to the company’s terms and conditions.

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