Royal Sundaram Health Insurance
Royal Sundaram General Insurance, India's first private sector general insurer, was licensed by IRDAI in October 2000. ...Read More
The headline features and policy mechanics, at a glance.
Coverage scales from entry-level individual plans to high-end family-floater protection.
Direct billing at network hospitals across 160 presence — no out-of-pocket payment at admission.
Industry-leading approval rate on eligible claims received in the most recent fiscal year.
Well above IRDAI's 1.5× floor — strong indicator of long-term claim-paying ability.
Choose from individual, family floater and senior-citizen variants to match your household.
A quick overview of the insurer — parent group, brand history, and where they sit in the Indian health-insurance market.
Royal Sundaram General Insurance Company Limited is one of India’s first private sector general insurers, licensed by IRDAI in October 2000. Promoted by Sundaram Finance Limited in partnership with Ageas, the company offers a wide range of insurance products, including health, motor, and travel insurance. With strong financial backing and years of experience, it is known for reliable services, digital processes, and customer-focused insurance solutions.
Royal Sundaram Health Insurance offers a comprehensive range of health insurance policies which includes maternity benefits and the ability to auto-recharge the sum insured in every policy year, even if the claim has been made.
Royal Sundaram is dedicated to designing plans that cover your health-related expenses. When purchasing a health insurance plan, consider the following:
Evaluate your healthcare requirements, including age, existing medical conditions, frequency of doctor's visits, and necessary medical treatments.
Familiarize yourself with different plans such as family plans, employer-sponsored plans, critical illness plans, and senior citizen plans. Each plan offers different coverage limits and benefits.
Check the list of in-network and out-of-network hospitals included in your insurance plan. It is essential to choose a plan with a broad network.
Evaluate premiums, deductibles, and co-payments. Compare the costs of different plans to choose the best one for you.
Before choosing, check the benefits and services offered by each plan. Assess whether the hospitalization coverage is sufficient for your future needs. Look for additional benefits like modern and alternative treatments.
Go through all documents before purchasing. Pay keen attention to every small detail, including inclusions, exclusions, and other terms. Understand the claim settlement process and how to file complaints.
Getting a medical insurance policy online from PolicyX or directly from the company offers numerous benefits:
Online platforms allow you to compare different Royal Sundaram Health plans in one place. You can easily pick the right one by comparing premiums.
On an online platform, you can choose and buy your policy within 5 minutes, without any hassle.
Experts are always at your service. You can contact them anytime to clear your doubts.
With online accessibility, you can get quotations with one click. Collect several quotes and choose the right one for you.
Select a sum insured option below to compare health plans matching your coverage need.
Walkthroughs from the PolicyX team — pros, cons, real claim experiences, and a recommendation on who should buy.
🛡️ Royal Sundaram Health Insurance Plan – Full Breakdown! In this video, we take a deep dive into the Royal Sundaram Health Insurance Plan, one of the leading options in the Indian health insurance market.
Every plan currently being sold by Royal Sundaram Health Insurance, shown side-by-side so you can shortlist quickly.
Lifeline Health Insurance by Royal Sundaram is a comprehensive health insurance plan that addresses your day-to-day healthcare needs. It of…
Royal Sundaram Lifeline Elite Plan is the only health insurance you need now! Why? Let's understand this with an example. Rahul and Aditya …
GET MUCH MORE for less! Royal Sundaram Advanced is a top-up plan that provides you with health coverage beyond the base health policy. It h…
Give your life a new direction with the Royal Sundaram Family Plus plan if you are planning a family or want to protect your extended famil…
The Surrogacy (Regulation) Act, 2021 by the Government of India mandates that any couple seeking a surrogate mother must purchase a three-y…
Royal Sundaram Multiplier Health Insurance is a unique plan that covers up to 11 times the sum insured in case of emergency health complica…
Royal Sundaram Personal Accident Policy safeguards insured individuals against the loss of income, provides the best medical care, and ensu…
Royal Sundaram Lifeline Supreme Health Plan offers comprehensive coverage with a wide range of benefits such as: Annual health check-ups Pr…
Side-by-side across the 3 most-bought Royal Sundaram Health Insurance plans on PolicyX.
| Feature | Lifeline Health Insurance Plan | Royal Sundaram Lifeline Elite Plan | Royal Sundaram Advanced Top-Up Plan |
|---|---|---|---|
| Plan type | Individual and Family Health Insurance | Individual and Family Health Insurance | Top Up and Super Top Up |
| Sum insured | 2 L, 3 L, 4 L, 5 L, 10 L, 20 L,… | 25 L, 30 L, 50 L, 1 Cr, 1.5 Cr | 10 L, 20 L, 30 L, 40 L, 50 L, 6… |
| Entry age | 18 Years to No Upper Age Limit | 18 to 65 Years | Child - 91 days - 25 years, Adult - 18 … |
| Top benefits | Domiciliary Hospitalization · Worldwide Emergency Hospitalization | Cancer of specified severity · Heart attack | Life protect benefit · PEDs waiting period reduction |
The standard inclusions and exclusions across Royal Sundaram Health Insurance plans. Specific plans may add benefits — always check the policy wording before purchase.
For policy purchase and claim submission. Have these ready before you start.
When specific benefits become claimable after policy start.
Begins from the date of purchase and lasts for up to 30 days for most Royal Sundaram Health Insurance plans.
Royal Sundaram Health Insurance plans require you to serve specific waiting periods if you are diagnosed with Pre-Existing Diseases (PEDs) such as hypertension, diabetes, or any other condition.
Like waiting periods, Royal Sundaram health insurance plans with critical illness coverage have a survival period. During this period, policyholders diagnosed with any listed critical illness must outlive the survival period to enjoy coverage benefits.
Find a Royal Sundaram Health Insurance network hospital near you. Direct billing — no out-of-pocket payment at admission.
Step-by-step guides for the four moments that matter most in your policy lifecycle. Click a tab to switch.
If you are looking forward to purchasing Royal Sundaram Health insurance online, follow these simple steps:
Visit the PolicyX health insurance page, and enter your details such as name, age, number of members to be covered, and city.
Click on 'Get free quotes' and compare Royal Sundaram Health Insurance Plans as per your needs.
Select and pay premiums online for the purchased Royal Sundaram Health Insurance plan of your choice.
Our team of insurance experts at PolicyX will provide you with all the assistance required regarding claims and other queries post-purchase of your Royal Sundaram Health Insurance plan.
You can file for cashless as well as reimbursement claims for your Royal Sundaram Health Insurance Plans by following these easy steps:
Visit the official website of Royal Sundaram Health Insurance, and select the "Claim" option. Then click on "File a new claim" to access the form.
Now select "health claim" and enter the required information, such as policy number, date of birth, and other details.
Select the "claim type," whether you want to opt for a cashless claim or reimbursement. Click on 'Authorize' and you will receive an OTP on the verified number.
Verify with the OTP and fill in the required hospital admission information. Select the hospital, and fill in the hospital details in case of a non-network hospital.
Upload the requested documents and click on the "review" button.
After clicking on the review button, submit the intimation for review by the company. You will receive a claim intimation number which you need to note down for future purposes.
Follow these steps for Royal Sundaram Health Insurance policy renewal:
Visit the official website of Royal Sundaram Health Insurance Company.
Click on the ‘Renew’ tab.
Mention your ‘Policy Number’ and ‘Date Of Birth’.
Connect with our insurance experts for Royal Sundaram Health Insurance policy renewal at 1800 - 4200 - 269.
The 14 most-asked questions about Royal Sundaram Health Insurance, answered.
Pick any two insurers to see a detailed side-by-side comparison.
Compare Royal Sundaram Health Insurance mediclaim policies with other top insurers in India.
Aggregate ratings from 2,703 verified PolicyX customers who bought a Royal Sundaram Health Insurance plan.
PolicyX.com premium calculator offers premium comparison for some of the best health plans in India. Input your details and find the most suitable health insurance policies for your requirements.
PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.
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