Royal Sundaram Personal Accident Policy: Online Reviews and Policy Benefits
Buy Now
Summarize with
ChatGPT Claude Perplexity
Royal Sundaram Health Insurance Royal Sundaram Health Insurance ★ 4.4

Royal Sundaram Health Personal Accident Policy

Royal Sundaram Personal Accident Policy safeguards insured individuals ...Read More

Up to 1.5 Cr
Sum insured
1
No. of plans
160+
Pan India presence
96.17%
Claim settlement ratio
📄 Download brochure
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,703 reviews
🏥 10,000+ hospitals
📊 2.20 solvency ratio
✅ 96.17% claim settlement

Royal Sundaram Personal Accident Policy safeguards insured individuals against the loss of income, provides the best medical care, and ensures your children’s education.

Why Do We Recommend This?
  • Accidental Death Cover
  • Permanent Total Disability Cover
  • Permanent Partial Disability Cover

Plan at a glance

Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.

Entry age
18 to 70 Years
Plan type
Accident Health Insurance
Sum insured options
₹2 L, ₹5 L, ₹10 L, ₹20 L, ₹50 L, ₹1 L, ₹2 L, ₹3 L, ₹4 L, ₹5 L
Waiting period
N/A
Renewability
Not Applicable
Policy term
1 Year

*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.

Pros & cons

A quick honest summary — the strengths and the trade-offs.

Pros

  • Higher sum insured available
  • Accidental death cover
  • Disability cover

Cons

  • Illegal activities
  • Alcoholism
  • Adventure sports

What's covered

A quick look at what this plan covers — and what it doesn't.

Hospitalization

  • Room rent Covered
  • ICU charges Not covered
  • Pre-hospitalization Not covered
  • Post-hospitalization Not covered
  • Domiciliary hospitalization Not covered
  • Day-care treatment Not covered
  • OPD charges Not covered
  • Covid-19 treatment Covered
  • Cataract Covered

Bonuses & restoration

  • No-claim bonus Covered
  • Automatic restoration of SI Not covered
  • Daily hospital cash Not covered

Family & special care

  • Maternity cover Not covered
  • New-born baby cover Not covered
  • IVF treatment Not covered
  • AYUSH treatment Not covered
  • Organ donor expenses Not covered

Modern & preventive care

  • Modern treatment Not covered
  • Road ambulance Not covered
  • Air ambulance Not covered
  • E-consultation Not covered
  • Health check-up Not covered
  • Second medical opinion Not covered
  • Vaccination Not covered

Conditions & global

  • Co-payment Not covered
  • Sub-limits Not covered
  • Compassionate travel Not covered
  • Global coverage Covered

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • Min entry age: 18 Years
  • Max entry age: 70 Years
  • Sum Insured: Up to 1.5 Crores

Frequently Asked Questions

The 5 most-asked questions about Royal Sundaram Health Personal Accident Policy, answered.

The eligibility criteria for adults is 18 to 70 years whereas dependent children can be covered from 3 months to 25 years.
The policy tenure is 1 year for Royal Sundaram Personal Accident Policy.
The sum insured options available under the Royal Sundaram Personal Accident Policy range between INR 2.5 Lakhs to 5 Crores.
Yes, the Royal Sundaram Personal Accident Policy offers tax benefits as all premiums paid towards the policy are eligible for tax benefits as per the Indian Income Tax Act.
The various advantages available under the Royal Sundaram Personal Accident Policy are as follows: Education Grant for Children 24/7 Global Coverage Permanent Total Disablement Permanent Partial Disablement Temporary Total Disablement Accidental Hospitalization

Explore Royal Sundaram Health Insurance

Health Insurance Articles

Health Insurance Premium Calculator

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.

Written and reviewed by

PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.

Written by Naval Goel — Founder & CEO, PolicyX.com Reviewed by Manoj Kumar — IRDAI-certified Health Insurance Specialist
Last updated: 1 Jun 2026 · Originally published: 17 Oct 2024

Compare Health Insurance Plans

Select a company and plan for each side to see a detailed side-by-side comparison.

Other Health Insurance Companies

Star Health Insurance HDFC Ergo Health Care Health Insurance Aditya Birla Health ICICI Lombard Health Bajaj Allianz Health Tata AIG Health SBI Health Insurance

Share your Valuable Feedback

Rating Icon 4.4

Rated by 2,683 customers

Was the Information Helpful?

Select Your Rating

We would like to hear from you

Let us know about your experience or any feedback that might help us serve you better in future.

Reviews and Ratings

Do you have any thoughts you'd like to share?

📞 Call Free