Health Insurance Offers

Our Health Insurance Offers You

Royal Sundaram offers affordable health plans with a wide range of benefits to take care of you and your family. Our Health Insurance plans are flexible and affordable with different Sum Insured options to suit your unique need. Choose from basic Health Insurance Policies to specialist medical insurance plans that offer maternity benefits.

Pre and post hospitalization expenses
200 Day Care procedures Covered
Lifetime renewal
Tax benefit under section 80 (D)
ISO certified claims process
Maternity cover
Cashless hospitalization at over 11800+ unique network hospital across all TPAs
Get Cumulative bonus for every health insurance claim free years up to 100% of the base sum insured.
100% Reload of Sum Insured at no extra cost.
Pre-existing cover after 3 year waiting period

If you already have a medical insurance policy  from another insurer, you can apply for portability to transfer the credit gained by you for pre-existing conditions and time bound exclusions. Know more about Health Insurance Portability. Once your portability application is accepted you can buy Royal Sundaram Health Insurance Policy.

Why Health Insurance is Important for You?

Why Should You Buy Health Insurance?

You can avail cashless Hospitalization facility
Your pre and post hospitalization expenses are covered
You get tax benefits under Section 80D of the Income Tax Act
Health Insurance Coverage

What Health Insurance Covers?

  • In-patient Hospitalization
  • Pre and post hospitalization expenses
  • Day care procedures
  • Domiciliary hospitalization charges
  • Preventive healthcare as well as wellness
  • Ambulance charges
  • Health check-up
  • AYUSH Treatment
  • Vaccination in case of animal bite
List of things not covered under health insurance policy –
  • Pre-existing medical conditions as declared by the policyholder during the purchase of health insurance policy up to the waiting period (Plan Particular)
  • Addictive conditions & disorders
  • Adventurous or Hazardous sports…
How to Calculate Your Health Insurance Premium?

How to Calculate Your Health Insurance Premium?

Health insurance premium calculator helps you to calculate your premium. In order to use this calculator, you first need to fill in all the personal details in your form along with other details. Here’s a step-by-step guide that will help you to understand it in a better way –

Step 1: Select the health insurance option – individual or family floater
Step 2: Enter your mobile number
Step 3: Select members who need to be insured
Step 4: Click on “get quote” option to get the quote
Compare Health Insurance Plan - Lifeline VS Family Plus

Compare Health Insurance Plan - Lifeline VS Family Plus

Here’s a basic difference between both the policies –




Family plus
This health insurance plan is offered as an individual and family floater plan for you, your spouse, and children.  This health insurance policy is designed especially for large families. It offers coverage for 19 different relations.
It includes 100% reload of sum assured, AYUSH treatment, no room rent capping, and doubling your sum assured in 5 claim free years. It includes maternity benefit, reload benefit, no claim bonus, individual + family sum assured, and no restriction of entry age.
This health insurance policy comes with the sum assured options from Rs. 2lacs, 3lacs, 4lacs & ranges upto Rs1.5 Crores. This health insurance plan comes with sum assured option of Rs. 2lacs, 3lacs, 5lacs, 10lacs, and 15 lacs in case of individual health plan and Rs. 3lac, 4lac, 5lac, 15lac, 20lac, and 25lacs in case of family floater policy.
Buying Health Insurance Online - Important Factors to Consider

How to Choose the Right Health Insurance Plan Online?

Your insurance policy must be determined by your family’s requirements. Keeping in mind the number of family members and their age.

An insurance company’s experience, financial strength, and service record plays a very important role while buying an insurance online. In addition to this, you need to consider the time duration an insurance company has been in business as its expertise in health insurance will be reflected in the policies it offers.

It is another important factor you need to consider while buying an insurance policy online. You must read the policy documents carefully to read about the inclusions and exclusions of the plans.

Health Insurance Claim Process & Procedure

Health Insurance Claim Process & Procedure



Notice of Claim

1. Notice of claim: You need to inform the insurance company at least 48 hours prior in case of planned hospitalization and within 48 hours in case of an emergency situation.

Submission of Claim with necessary documents

2. Submission of claim: The policyholder must submit the duly filled and signed claim form along with other necessary claim documents. You need to provide few details which includes the name of the patient, hospital details – name, address, and contact number, date of hospitalization, expected discharge, etc. for the claim intimation process.

Payment by Insurance Company

3. After receiving all the claim documents, the insurance company will make payment for the admissible amount following all the policy terms and conditions.

Cashless Hospitals

Cashless Hospitals

A family member being hospitalised causes tremendous distress to one, emotionally as well as financially. Having to cover the medical costs along with managing the household can take a toll on us if unprepared for such circumstances. Having a backup to fall back on in such circumstance is a boon to all, taking a great burden off our shoulders.

Keeping this in mind, Royal Sundaram offers health insurance coverage that provides cashless hospitalisation to members, making it less stressful. With state-of-the-art equipment, and well-trained doctors and physicians, the network hospitals affiliated with Royal Sundaram provide the best treatment to its members for any illness or disease along with taking proper care regarding pre-treatment and post-treatment conditions. The health insurance policy provides coverage for you as well as your family, ensuring security for the entire family.

Network List
S.No TPA Name Total Network Hospital List Web Link
1 Paramount Health Services View/Download Click Here
2 Medi Assist Insurance TPA View/Download Click Here
3 Raksha Health Insurance TPA View/Download Click Here
Disclaimer for Excluded Hospital list

Click here to view Excluded Hospitals List


Disclaimer for Excluded Hospital list:


  • The Excluded hospitals are not a part of the Royal Sundaram General Insurance Network. Cashless facility is not available at any of the above hospitals.
  • Reimbursement of claims for treatment taken at these hospitals will not be accepted for reimbursement. For emergency admissions at these hospital would require prior approval from Royal Sundaram General Insurance Co. Limited with due intimation to insurance company within 24hrs of all such admissions.
  • The above hospital list can be modified without any prior notice. for more details Kindly check with our Call Centre at 1860 425 0000

Health Insurance FAQ

Health Insurance Plan Common Queries (FAQ’S)

Questions about Health Insurance? Get your answers here.
Pre-existing Disease means any condition, ailment or injury or related condition(s) for which the Insured Person had signs or symptoms, and / or were diagnosed, and / or received medical advice/ treatment, within 48 months prior to the first Policy issued by the insurance company. Such PED’s will not be payable for a period of 2, 3 or 4 years depending upon the waiting period applicable in that particular plan chosen by the customer.

There could be several reasons for denial of a claim. Some of the common reasons are,

  • Submission of incomplete documents.
  • Claim for pre – existing diseases, before the completion of waiting periods.
  • Claims for diseases which are excluded permanently from the policy terms and conditions.

We will deny the claim only if the patient is treated as an out-patient.

Health Insurance Tips

Tips & Articles on Health Insurance


9 Tips to choose the best Mediclaim Policy Online

With our sedentary lifestyle, poor eating habits, erratic sleeping cycles and degrading environmental conditions, the rate of illnesses is consistently on the uphill. The medical costs and the complexity of diseases is also increasing...

10 Common Exclusions in Health Insurance Plans

Due to a change in lifestyle, health related issues have not just increased, but have become more complex in nature. Thus, it is important to have a health insurance plan in place. Health insurance is a type of insurance policy that lends financial protection during medical emergencies by paying our medical-related bills...

Understanding Family Health Insurance

Family Health Insurance plan is a comprehensive package specially designed to offer complete protection to the insured and his family. You can cover yourself, your spouse, children (above 90 days) and dependent parents (65 years) from all health worries. This insurance plan will take care of the health treatment for critical illness or any other serious medical condition...

Health insurance policies online - Things to look out before choosing

Medical costs are rising day by day. For an individual, especially one who has not saved much money, arranging for funds at the last moment can be a difficult task. Thus, one way to secure you and your family against all sorts of health-related emergencies is by taking a health insurance policy.

Happy Customers Portlet

Our Happy Customers

  • Happy Custpmer
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    Ms. Farida Basrai

    Mr Mohamed Ali has always provided the best service for me and my family He provides us with the right insurance options and helps us through the process and guide us in the right direction His experience and knowledge of the insurance industry is commendable I really appreciate his rapid responses and his amazing work ethics

    Posted on : 28/06/2021
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  • Happy Custpmer
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    Mrs. Saumya

    A big thanks to Royal Sundaram their employee Rajesh J for quick resolution of my issue Really appreciate your help Big Thanks

    Posted on : 11/06/2021
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We value your feedback. Share your experience with us.

  • Happy Custpmer
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    Mr. Smitha Kumasagi

    Royal Sundaram's service is excellent. I needed health insurance policy and i got it from them swiftly and easily.

    Posted on : 13/07/2018
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  • Happy Custpmer
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    Mr. Harikrishnan K

    Overall good experience while getting health insurance policy from Royal Sundaram.

    Posted on : 13/07/2018
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