Compare Rayal Sundaram Travel Insurance Plans

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Rayal Sundaram Travel Insurance

About Royal Sundaram General Insurance

Royal Sundaram General Insurance Co. Limited is one of the 1st private sector general insurance company that was licensed in India in the year 2000. The company was initially a joint venture between three reputed companies.  As of now, about 75.90% shares belong to Sundaram Finance while the remaining 24.10% belong to other Indian shareholders.

Royal Sundaram General Insurance Co. Limited offers an all-inclusive type of travel insurance that helps the insurance holder to cope up with all types of emergencies that may arise during one’s travel. Some of the emergencies that are covered under this insurance include the loss of luggage, medical emergencies and also includes the expenses for delay/cancellation of any flight.

Key Features - Travel Insurance of Royal Sundaram General Insurance Co. Limited

The key benefits of travel insurance from Royal Sundaram General Insurance include

  • Cover up to $150,000 with a single or multiple trip policy.
  • Instant policies can be acquired without the submission of any documents or going through medical tests.
  • ISO certified claims process available.
  • The policy is flexible and can cover multiple things and has attractive premium rates as well.
  • Cashless hospitalization in foreign countries.
  • Helpline number active 24 x 7.
  • Reimbursement for the delay during a trip.
  • Lost of passport/visa or items covered.

Types Of Travel Insurance Offered by Royal Sundaram General Insurance

There are two types of travel insurance plans that are offered by Royal Sundaram. These two travel insurances are

  • Single Trip Travel Insurance Plan.
  • Multi Trip Travel Insurance Plan.

Single Trip Insurance Plan

This plan starts as soon as the insurance holder boards a flight in order to travel to a destined place. The plan ends when the he/she comes back to the home country i.e. India. This plan is for single-time use only and covering a period of 180 days.

Multi Trip Insurance Plan

This plans multiple trips by the policy holder which lasts for 365 days only. There are certain conditions, the first condition being that each trip by the insurance holder cannot be for more than 45 days. The second being that the total number of days an insurance holder stays out of the country should not exceed 180 days.

Advantages of Royal Sundaram Travel Insurance Policies

There are three basic classifications of the Royal Sundaram Travel Insurance plan

  • Medical Plan.
  • Trip Plan.
  • General Plan.

Medical Plan

  • Help in getting admitted into a hospital.
  • Referral medical services provided.
  • Emergency medical evacuation arranged.
  • Medical assistance provided through telephone.
  • Monitoring of medical condition during the time of hospitalization.
  • Settlement of hospital bills.
  • Medical transfer arranged.
  • Transferring of remains.
  • The medical expenses of the policyholder is covered up to 60 days. This is covered even after two months of the expiry of the policy.
  • Treatment is covered for 30 days in India. In case the treatment is done in India, then the policyholder is transferred.

Trip Plan

  • Support given for loss of baggage and lost passport.
  • Referral service from the embassy.
  • This plan includes immunization and Visa requirement information.
  • Exchange in information.

General Plan

  • Referral service that is legal.
  • Service for interpretation.
  • Information on the weather.
  • Providing help for emergency message transmission.
  • Assistance in claims procedure.

Eligibility For Royal Sundaram Travel Insurance Plan

Infants from the age of 3 months all the way to adults of the age 70 years are covered under the travel insurance policy. This plan covers those trips that are outside of India. The purpose of travel of any individual needs to be stated while taking the policy as this plan does not cover immigration or students traveling for education.

Exclusions Of Royal Sundaram Travel Insurance Plan

Royal Sundaram Travel Insurance plan does not cover an individual under these following headings -

Medical

  • Treatments related to pregnancy.

  • Preexisting illnesses.

  • Mental disorder treatments.

  • If the purpose for traveling is for treatment.

  • Any travel that is undertaken against doctor’s advice.

  • Any treatment that could have been postponed till the policyholder returns to India.

Home in India

  • The coverage of the plan will not be provided to the policyholder if his/her home in India is unoccupied for more than 90 days.

  • If the home is a building of Kutcha construction

Personal Liability

  • The plan does not cover for the consumption of alcohol or drugs.

  • Any unlawful act.

  • Employer’s liability.

  • For any disputes between family members, friends or traveling companions.

Personal Accident

  • Disabilities that are caused due to contamination of radiation are not covered under this plan.

  • Any disability because of strokes, fits or convulsions.

  • Self injury or self harm is not covered under this plan.

  • Accidents that are caused through dangerous activities like rafting, gliding etc.

Trip Inconvenience

  • Any baggage that contains perishable goods are not covered under the plan.

  • Delay in trip due to custom officials.

  • The delay in baggage after the policyholder has arrived in India.

  • Travel documents are confiscated by custom officials from the policyholder.

Purchasing Of Travel Insurance From Royal Sundaram Online

Purchasing of travel insurance from Royal Sundaram General Insurance is one of the easiest online processes. An individual needs to follow a certain series of steps.

Anyone who wishes to get an online travel insurance first needs to visit the Royal Sundaram online website and click on the link that brings them to the travel insurance section of the website.

The details of an individual such as the name, contact etc need to be filled up. Other details such like trip details and the details travelers needs need to also be filled out. On this information, the premium for the travel insurance is calculated.

The quote ID will be created for the Travel Insurance online will be provided after the premium is calculated. Another page for additional information will pop-up after this step. This page asks for information such as the passport number, for illnesses of the passenger and the details of nominee etc.

The communication details and the address of the traveler needs to be provided to the insurance company. Once all the details are filled in, a page displaying all the information will be presented. This page is present in order for the traveler/policyholder to check if the filled in information is correct of not. Once the information is verified, the policyholder can proceed to buy the insurance.

Claims Process For Royal Sundaram Travel Insurance

The claims process for Travel Insurance under Royal Sundaram follows is classified under the following categories

  • Health cover plans claims process - providing cashless benefits.
  • Health cover plans claims process - reimbursement.
  • Loss of luggage or delayed in luggage claims process.
  • Personal accident claims process.

The claims process for each of the above headings are as follows

  • Health cover plans claims process
  • The TPA can be reached through the helpline numbers of the Paramount Alarm Center.
  • The passport as well as the policy number has to be stated.
  • The TPA will contact the hospital in order to proceed with the cashless treatment after verifying the same.
  1. Health cover plans claims process - reimbursement
  2. The TPA has to be reached through the customer care numbers of the Paramount Alarm Center.
  3. The passport as well as the policy number needs to be mentioned.
  4. The filled up claimed form has to be submitted within a time of 30 days from the completion of treatment along with certain documents like :

    - Discharge summary.
    - Bills and Receipts.
    - All test reports.
    - Other documents that are for enhancing claims.
    - All documents have to be sent to Paramount Healthcare services that are located in Mumbai.
    - The assessment of the claim.
    - In case of an unfortunate death, the death certificate needs to be provided.

  1. Loss of luggage or delayed in luggage claims process
  2. The TPA has to be contacted through the customer care numbers of the Paramount Alarm Center.
  3. The passport as well as the policy number has to be stated.
  4. The filled up claimed form has to be submitted within a time of 30 days from the completion of treatment along with certain documents like :
    - Boarding pass or the baggage coupon.
    - A list of the articles that are lost.
    - Proof of ownership of the lost articles (more than $100).
    - Certificate from the airlines confirming delay.
    - Letter from airline confirming the loss of the items.
    - All documents have to be sent to Paramount Healthcare                          services that are located in Mumbai.
    - A cheque will be sent once the claim is approved.
  1. Personal accident claims process.
  2. The TPA has to be contacted through the customer care numbers of the Paramount Alarm Center.
  3. The passport as well as the policy number has to be stated.
  4. The filled up claimed form has to be submitted within a time of 30 days from the completion of treatment along with certain documents like :
    - A discharge summary.
    - Bills, receipts and all scan reports.
    - FIR.
    - If any newspaper cuttings are available.
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