Royal Sundaram Personal Accident Policy: Online Reviews and Policy Benefits
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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
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🛡️ IRDAI Approved
⭐ 4.4/5 · 2,703 reviews
🏥 10,000+ hospitals
📊 2.20 solvency ratio
✅ 96.17% claim settlement

About Royal Sundaram Health Personal Accident Policy

A quick read on what this Royal Sundaram Health Insurance plan covers and why it might be a fit for you.

Royal Sundaram Personal Accident Policy safeguards insured individuals against the loss of income, provides the best medical care, and ensures your children's education. The plan also offers 24/7 global coverage, family coverage, protection that grows every year, and a free look period for customers. Royal Sundaram Accident Policy provides coverage for:

  • Accidental Death
  • Permanent Total Disability
  • Permanent Partial Disability
  • Temporary Total Disability
  • Accidental Hospitalization, and more.

The plan offers multiple sum insured options ranging between 2.5 Lakhs to 5 Crores along with a 50% cumulative bonus and flexible premium payment options. Adults between the ages of 18 to 70 years can be covered under the plan along with dependent children between 3 months to 25 years of age.

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

Every CMS-driven coverage flag from the plan wording — only items with a published value render below.

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

Royal Sundaram Personal Accident Policy Benefits

There are various in-built benefits added to the Royal Sundaram Personal Accident Policy which are availed by insured individuals as per their medical requirements. To learn more about the various benefits of the plan, read the details mentioned below:

  • Global Coverage

    Royal Sundaram Personal Accident Policy offers insured individuals 24/7 global coverage assistance for up to INR 1 Crore regardless of where you are in the world. With this facility, you are ensured of efficient medical care.

  • Optional Covers Available

    There are various optional covers available under the Royal Sundaram Personal Accident Policy like Temporary Total Disablement, 10% of the sum insured for hospitalization expenses due to accident, and 10% of the sum insured per child for an education grant.

  • Cumulative Bonus

    Royal Sundaram Personal Accident Policy offers insured individuals a 5% no-claim bonus subject to a maximum of 50% of SI.

  • No Waiting Period

    When you invest in the Royal Sundaram Personal Accident Policy, the insured individual can avail of coverage of the Personal Accident Policy without serving any initial waiting period. The coverage starts the moment you buy the policy.

  • Flexible-Premium Payment

    Royal Sundaram Personal Accident Policy offers flexible premium payment options to insured individuals with monthly, quarterly, half-yearly, and yearly options.

Royal Sundaram Personal Accident Policy Eligibility Criteria

Before investing in the Royal Sundaram Personal Accident Policy, customers must fulfill the following eligibility criteria:

Entry Age Minimum: 18 Years
Child: 3 Months to 25 Years
Maximum: 70 Years
Sum Insured 2.5 L to 1 Crore (In multiples of 50k)
1.5 Crores to 5 Crores (In multiples of 50 Lakhs)
Plan Type Individual/Family Floater
Initial Waiting Period None
Policy Term 1 Year

Royal Sundaram Personal Accident Policy Coverage

Individuals who opt for the personal accident policy by Royal Sundaram are assured of the following coverages:

Base Coverage

  • Accidental Death - 100% of Sum Insured.
  • Permanent Total Disablement - 100% of Sum Insured.
  • Permanent Partial Disability - As per the defined disability conditions in the policy schedule.

Optional Coverage

  • Temporary Total Disablement - 0.2% of SI per week up to a maximum of 100 weeks.
  • Hospitalization Expenses due to Accident - 10% of Sum Insured.
  • Education Grant - 10% of the Sum Insured per child.

Other Benefits

  • Cumulative Bonus - 5% of each claim-free year, subject to a maximum of 50% of SI.

Royal Sundaram Personal Accident Policy Risk Groups

The plan has divided insured individuals into 4 different risk groups based on their occupation:

  • Risk Class 1

    Skilled white-collar class with no exposure to occupational hazards such as accountants, doctors, lawyers, architects, consulting engineers, teachers, bankers, and more.

  • Risk Class 2

    Skilled white-collar individuals with minimal exposure to occupational hazards, like builders, contractors, and engineers engaged in superintending functions only.

  • Risk Class 3

    Skilled/semi-skilled class with moderate exposure to occupational hazards like delivery boys, diploma engineers, working on shop floors, etc.

  • Risk Class 4

    Unskilled individuals with high exposure to occupational hazards like loaders, mine workers, laborers, etc.

Inclusions & exclusions

What the plan pays for, and what it doesn't.

Exclusions

  • Permanent diseases or health conditions that are not included under Royal Sundaram Personal Accident Plan Exclusions are:
  • Hospitalization out of war, riot, strike, and nuclear weapons
  • Intentional self-injury
  • AIDS
  • Miscarriage, and Abortion
  • Congenital disease
  • Infertility and in vitro fertilization
  • Royal Sundaram Personal Accident Policy provides all-around coverage to individuals and families against accidents and consequences of accidents like temporary and partial disablement. The plan is equipped to support you and your family in case of any medical emergency. It is an apt plan as it is divided into 4 different risk classes keeping in mind customers from all walks of life and professions.

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

Other features & benefits

  • Worldwide coverage
  • Education grant
  • Cumulative bonus

Royal Sundaram Health Personal Accident Policy: FAQs

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

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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: 30 Sep 2023 · Originally published: 17 Oct 2024

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