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Rayal Sundaram Health Insurance Plans

Rayal Sundaram Health Insurance Company

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.

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Awards and Recognitions

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.

Some promising facts about Royal Sundaram General Insurance

  • An ISO 9001:2008 certified company for its customer service.
  • First insurer to provide unique benefits and privileges to its customers including hospital cash and cashless mode of bill settlement, among others.
  • Currently, has a more than 5.2 million strong customer base.
  • Has a sizable presence in 125 major and minor cities of India, a 1700+ strong workforce, and thousands of brokers, and distribution and intermediaries.
  • The company achieved a gross written premium of INR 1, 69, 412 lakhs and a profit (before tax) of INR 4,090 in the financial year 2015-16.

Royal Sundaram Health Insurance Policies

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

  • Maternity benefits
  • An automatic increase in the sum insured
  • Unique double and triple cash benefits towards accidental and ICU hospitalization/admission respectively
  • All day care procedures covered for a period of 147 days
  • Pre and post hospitalization benefit
  • Renewal for lifetime
  • All policies offer relief towards Income Tax via Section 80(D) of the income Tax Act of India
  • Cumulative bonus for the years when no insurance amount is claimed by the policyholder
  • Royal Sundaram health insurance renewal can be done online and through its extensive network of offices and agents

List of Royal Sundaram Health Insurance Policies

The health insurance policies of the company Royal Sundaram General Insurance include:

“Lifeline” Health Insurance Plan

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

  • is available in 3 variants viz. Lifeline Classic, Lifeline Supreme and Lifeline Elite with sum insured being 2-4 lacs, 5-50 lacs, and 25-lacs-1.5 Cr respectively.
  • available for both individuals and families. The family version covers the policy buyer, his or her spouse and a maximum of 4 dependent children (having age between 91 days to a maximum of 25 years).
  • The sum insured gets restored completely.

Coverage towards

  • Daycare, and pre- and post-hospitalization expenses
  • Ambulance expenses
  • An NCB status for a period of 5 years doubles the sum insured
  • Worldwide emergency hospitalization coverage
  • OPD treatment
  • Second opinion expenses
  • Alternative treatments like Ayurveda, Homeopathy, and Sidha
  • Maternity cover (to up to 2 deliveries)

Permanent exclusions

  • The permanent exclusions of the Lifeline Royal Sundaram health insurance policy include
  • All kinds of illnesses and diseases that arise out of addiction (including alcohol and drugs)
  • Aging/puberty, hazardous/adventurous sports, artificial life, conflict/disaster, congenital conditions, dental/oral treatments, heredity conditions, eyesight, psychiatric conditions and others.
  • Reproductive medicine, stem cell transplantation, sexual problems, sleep/speech disorders, alopecia, and other development problems.
  • Entry and exit age
  • There is no restriction towards the maximum entry age, while the entry age is 18 years.

“Smart Cash” Health Insurance Plan

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

  • Available in 3 variants viz. Silver (daily cash benefits between INR 500 to INR 3000), Gold (daily cash benefit between INR 3000 to INR 5000) and Platinum (daily cash benefit between INR 5000 and INR 10000).
  • For a hospitalization that exceeds 5 days and is towards road/rail/air accidents, the plan offers double the amount of daily cash benefit.
  • Self, spouse and/or children and all other dependents including parents can be insured.
  • Lifelong policy renewal.
  • A discount of up to 10% on the premium when you insure 3 (or more) family members

Coverage towards

  • Accidental hospitalization expenses
  • Convalescence expenses
  • Critical illnesses
  • Child-birth benefits
  • Health check-up expenses
  • ICU benefits
  • Optional personal accident benefit
  • Parental accommodation benefit
  • Hospital cash benefit (for a period of up to 180 days)

Major Exclusions

The major exclusions of the Royal Sundaram Smart Cash health insurance policy include

  • Pre-existing diseases, venereal/congenital/ self-injury or suicide
  • Hospitalization towards diagnostic or evaluation purposes
  • Preventative and routine examinations, screening and vaccinations
  • Psychiatric, mental/nervous disorders, and insanity
  • Hazardous sports and activities participation
  • War, invasion, foreign enemy act, rebellion, mutiny and others

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.