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A subsidiary of Sundaram Finance ( a leading non-banking finance company established back in the year 1954), Royal Sundaram General Insurance Co. Ltd. was established in the year 2000. It was the first Indian insurance company to be awarded the operating license by IRDAI or Insurance Regulatory and Development Authority of India.
The leading general insurance company has an extensive portfolio that includes health insurance, car insurance, general insurance, accident insurance and travel insurance products. The company was initially a joint venture in which the participating companies were Sundaram Finance and the Royal and Sun Alliance, a UK-based company that also happens to be amongst the oldest of insurance companies in the UK. As of now all 100% of the total equity of the company lies with Sundaram Finance and Indian shareholders in the ratio of 75:25 approximately.
The company has been able to capture customer imagination, has achieved tremendous popularity, and has also received multiple awards. Royal Sundaram General Insurance is the recipient of the Celent recognition (for its futuristic claims management system and for its efficient workflow management and administration). It also has won the Celent Model Insurer Asia Award (2013) and the Edge Award (given by Information week) for its e-application implementations.
Royal Sundaram has tailor-made health insurance plans that have been designed keeping in mind the wishes and budgetary restraints of the Indian consumers. The general features of the health policies of the company include
The health insurance policies of the company Royal Sundaram General Insurance include:
The Lifeline health insurance plan by Royal Sundaram is a sound financial security that covers both you and your dear ones (family). Features of the plan include
While the health insurance plans offer handsome reimbursements towards the treatment of diseases and for treating injuries, they do not offer a substantial amount of cash in hand. The Royal Sundaram “Smart Cash” health insurance plan is meant for aiding and supporting the health insurance policy and covers all kinds of out-of-pocket expenses that you may incur while facing a medical condition or emergency. The online availability of Royal Sundaram health insurance contact number makes it easy for you to gain the cash in just the right nick of time. The coverage extends to include both planned and emergency medical expenses and the accidents.
Features of the plan include
The major exclusions of the Royal Sundaram Smart Cash health insurance policy include
Entry age and Exit age
The entry age of the policy is 18 years. There is no exit age.
The premium amount of the Royal Sundaram health insurance policies differs according to the age, sum insured and the zone. The zone here signifies the city in which the policy buyer lives. You can know more by visiting the company website and by calculating the premium online through the online calculator given on the website.
The Royal Sundaram health insurance policies enable you to avail a monetary reduction of up to Rs 15000 towards income tax (for senior citizens it extends up to Rs 20,000). You can buy the health insurance from Royal Sundaram online or through the branch offices and intermediaries. The company website offers you the privilege to calculate the premium online, and you can pay through debit/credit cards and through online modes when you buy the policy. The Royal Sundaram health insurance hospital list and the network are extensive and it is quite easy to locate a hospital where you can get treated easily and without any cash.