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Compare Royal Sundaram
General Insurance Plans

Royal Sundaram General Insurance Company

Royal Sundaram General Insurance Company

Royal Sundaram General Insurance Company Limited is a subsidiary of the conglomerate Sundaram Finance. It was licensed in the year 2000 by IRDA (Insurance Regulatory and Development Authority of India). It was the first General Insurance Establishment in the private sector to receive a license from IRDA. It has its headquarters in Chennai.

Formerly, it was known as the Royal Sundaram Alliance Insurance Company Limited. It started as a combined undertaking between Sundaram Finance, which is one of the most prominent names in India’s NBFC (Non Banking Financial Company) paradigm and Royal & SunAlliance Insurance Plc, U.K, which is among the first General Insurers in the United Kingdom.

In the year 2015, in July, Sundaram Finance acquired the equity holding of their European partners thereby taking their investment in the company to 75.90%. The shareholders in India own the remaining 24.10%.

Royal Sundaram provides several ingenious insurance products to customers through direct channels and also through the means of intermediaries and affiliate partners. It serves in the fields of Health Insurance, Motor Insurance, Travel and Home Insurance, to name a few. It also has a range of customized products for specific domains as firefighting and marine operations. It serves individual customers as well as corporations and legal entities.

Company Performance

Given its diverse portfolio and innovative customer orientation, the company has reported steady growth over the years. According to the quarterly data released on 31st December 2016, the company settled over 87000 claims in the period. For the same period, the net profit was reported at INR 2224.08 lakhs. Year over year, this was up from INR 1880.00 lakhs.

Periodic reports from the company’s media team have denoted substantial growth and market coverage in the northern parts of the country. The company’s exceptional accident and health claim settlements process earned it the reputed ISO 9001-2008 certification. I

t is known for its customer service and timely delivery, which makes it one of the most reputed names in the insurance domain. It is also attributed with being one of the first companies to introduce cashless claims settlement. It is behind the presence of innovations such as hospital cash in today’s insurance sector.

The company won the “Client Model Insurer Asia Award” for the years 2013 and 2014. The awards were given for its claims management system, which was successful in giving higher productivity and greater customer satisfaction.

Key Advantages And Features

The company today has a customer base of over 5.2 million. It has over 1700 employees and a widespread presence in over 115 cities of the country. The most prominent advantage of Royal Sundaram lies in it’s diverse and specialized product portfolio which covers a vast array of consumer requirements and thus makes it a highly sought after insurance service provider in the country.

Types Of Products

  • Automobile Insurance: Insurance options for two and four wheeler vehicles. Both business and commercial vehicles covered. Options available for passenger vehicles as well as good carrying vehicles.
  • Health Insurance: Comprehensive health insurance options for individual and families. Options for availing daily cash in case of unplanned as well as planned hospitalization. Wide range of sums insured to cater to different range of requirements.
  • Travel Insurance: Travel insurance options for individuals as well as family floater insurance. Coverage for multiple scenarios including health insurance and home insurance for the tenure of travel. Flexible options in terms of tenure and number of trips covered.
  • Home Insurance: Home Insurance for domestic items as well as the building itself. A wide range of possibilities covered including an optional cover for terrorist attacks. Flexible categories with different premium options for different values of homes insured.
  • Individual Personal Accident: insurance cover for accidental death and permanent disabilities. Covers available for child educations as well. Very low premium requirements depending on the amount covered.
  • Business Insurance: Insurance options for small and medium businesses. Multiple sectors covered. A wide range of options from farmers insurances to group health and accident insurance for employees.

Product Plan Details

Automobile Insurance

Plan Salient Features

Car Insurance

  • Over 3300 cashless garages in it’s national network.
  • Free kit for the sole purpose of roadside assistance.
  • Insurance cover for the complete Invoice amount instead of partial cover.
  • 24X7 roadside assistance.
  • Tow option available in case repairs are not possible.
  • Round the clock helpline for claim related queries.
  • Car Shield a specialized protection against damage caused from other vehicles.

Commercial Vehicle Insurance

  • Third party cover for goods carrying commercial vehicles or commercial vehicles carrying up to 18 passengers.
  • Comprehensive insurance cover for commercial vehicles carrying up to 7 passengers.
  • Up to 15 years old vehicles covered.
  • Cashless Claims Settlement.
  • Up to 7.5 lakhs covered under comprehensive cover.
  • Round the clock helpline for claim related queries.

Two Wheeler Insurance

  • Instant issuance of new policies.
  • Cashless claims service.
  • Multifaceted and exhaustive garages for two wheelers.
  • Up to three years of coverage in a single insurance.
  • No claims bonus.
  • Inflation protection available.
  • Coverage for natural calamities as well as man made calamities.

Health Insurance

Plan Salient Features


  • A complete indemnity insurance product.
  • Comes in three variants: Classic (2 to 4 lakhs), Supreme (5 to 50 lakhs) and Elite (25 lakhs to 1.5 crores).
  • Coverage for all day care procedures.
  • Can be availed for self as well as a family floater plan.
  • Cover for person insured, their spouse and up to four children between ages of 91 days to 25 years.
  • Cover for Ayush treatment and animal bite treatment.
  • In case of five years without claims, the no claims bonus results in the doubling of the insured sum.
  • No cap on room rent.
  • No restrictions for specific diseases.
  • Option to reload the complete sum insured without any additional charges.

Smart Cash

  • Daily cash benefits for scenarios such as accidents, emergencies, planned admissions, surgery etc.
  • If two or more people covered under the same policy are hospitalized together, the feature of joint hospitalization is present.
  • Discount 10% in premium for insuring multiple family members (three or more) in the same policy.
  • Discount of 10% and 12.5% for opting for 2 and 3 years policies respectively.
  • Three variants as per daily requirement: Silver (up to INR 3000), Gold (up to INR 5000) and platinum (up to INR 10,000).
  • Cover for individual customer as well as option of family floater.

Travel Insurance

Plan Salient Features

Travel Insurance

  • Policy issuance in fewer than five minutes without documentation or tests.
  • Cover for single trip as well as multiple trips.
  • Customers between 90 days and 75 years of age covered.
  • Cover for health, inconvenience during travel, home insurance and personal liability.
  • Repatriation of remains is covered.

Home Insurance


Salient Features

Gruh Suraksha Home Insurance Plan

  • Cover for building as well as the contents in the household.
  • Coverage above INR 1 Crores available.
  • Multiple exhaustive scenarios such as fire, lightening, aircraft damage, bush fire, etc covered.

Individual Personal Accident Insurance


Salient Features

Individual Personal Accident Policy

  • Cover for accidental death and permanent disability (partial as well as total).
  • Premiums as low as INR 2 per day.
  • Accidental hospitalization.
  • Education grant.

Business Insurance

Plan Salient Features

Business Insurance Services

  • Insurance Solutions for businesses and corporates.
  • Covers available in two variants: Business Solutions and Employee Solutions.
  • Employee solutions include group insurance and workmen compensations.
  • Custom insurance options for businesses in different sectors (rural/social).
  • For social sector, innovative insurance solutions for women in SHGs.
  • Rural sector services cover farmers and small scale industries.
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