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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.
Star Health And Allied Insurance was founded in the year 2006 and the headquarters of the leading health insurance company in India is based in Chennai. The insurance company is a result of a financial joint venture in which the participating firms are ICICI, Tata Capital, Sequoia Capital, Oman Insurance Company and Alpha TC Holdings. The financial strength and base of the company are approx. INR 1050 crores. The products of the company include health insurance, personal accident insurance, and the overseas mediclaim policy. The standalone company offers “hassle free” claim settlement process and facilities and deals with its customer base directly, factors that contribute towards its popularity.
The company has been able to achieve immense recognition and is widely appreciated for its products and services. It received the Health Excellence Award’s "Most Promising Health Insurance Company Award" (the year 2014), the Indian Insurance Award's “Best Claims Service Company Award" (the year 2014) and the Indian Insurance Award’s “Health Insurance Company of the year Award" (the year 2015).
The unique features of the Star Health Settlement Policies include
Star Health and Allied Insurance has been registering an exponential growth increase year after year, and today enjoys a strong financial status and reputation.
The health insurance policies of the company Royal Sundaram General Insurance include:
The policy has been tailor-made to cover the health conditions faced by Indian consumers. It covers many different kinds of illness and injuries and also offers financial protection towards emergency health care. Star health insurance premium payment is quite affordable here as there are a plethora of sum insured options available.
It highlights include
Star health insurance provides affordable insurance policies and plans that can be bought in order to insure the health of all family members, including spouse and children. The highlights of the family insurance plan of the company include
It goes without saying that the senior citizens suffer more from illnesses and are also more prone to injuries. The Senior Citizen Health insurance plan from Star Health Insurance provides relief to those who are above 60 years of age and helps them to take good care of health and achieve the benefit of world-class treatments by only spending marginally.
Highlights of the policy include
The Accidental Care health insurance helps the individuals face the injuries and illnesses with better financial security
Overseas travel is getting more and more common. People today live to explore new destinations during their holidays, globalization makes foreign travel necessary for corporates and students search for best educational institutes for higher education, no matter where they are located. The Star Health and Allied Insurance Company has multiple policies to suit the needs and wishes of different traveler segments when they choose to buy an insurance policy. The Overseas Travel policies of the company include
Star Mediclaim policy status is available online itself so that you can renew it anytime you wish.
Star Health Insurance also offers many other plans that are designed to serve special purposes and these can be availed by both individuals and families. Some of these 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.