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About Royal Sundaram Health Insurance

Royal Sundaram Health Insurance is one of the many offerings of the parent company, Royal Sundaram General Insurance Company. Originally named Royal Sundaram Alliance Insurance Company Limited, it was the first general insurance company in the Indian private sector to be licensed in October 2000. Royal Sundaram originally started as a joint alliance between Sundaram Finance NBFC and a few shareholders in India.

However,the company’s composition underwent a change in 2019 when Ageas Insurance International N.V. bought a 40% equity of Royal Sundaram from the existing Indian stakeholders. Consequently, Sundaram Finance holds a 50% stake in Royal Sundaram, followed by a 40% hold retained by Ageas Insurance and the remaining 10% by a few other Indian shareholders.

Royal Sundaram Health Insurance review reveals that the company makes multiple offerings to the Indian market in the form of health insurance plans, home insurance, motor insurance, personal accident insurance, and also travel insurance.The company is also a pioneer in bancassurance in India and maintains reputable liaisons with many prestigious banks and NBFCs in the country.

The company has a large team comprising more than 2,000 employees serving the Indian market with a variety of insurance products, including health insurance plans. The company is the proud pioneer in cashless health claim settlement in the Indian insurance market. Hospital cash, a unique and innovative health product, was also first introduced by Royal Sundaram Health Insurance. Royal Sundaram’s presence spans nearly 158 offices in India, serving approximately 28 million Indian customers. It is also the first insurance company to launch In-House Motor Assessors (IMAs).

Royal Sundaram Claim Settlement Ratio


Royal Sundaram


Industry Average

Health claim settlement ratio is the percentage of claims settled against the total claims received by the insurance company in a given fiscal year. Royal Sundaram has a claim settlement ratio of 95.95%, as compared to the industry average of 94.21%.

Top Features From Royal Sundaram Health Plans

  1. Adequate Coverage: Royal Sundaram Health Insurance Plans offer comprehensive coverage to customers for both pre-and post-hospitalisation expenses.This enables them to cover their medical expenses without a hassle in times of emergencies.Additionally,Family Plans provide coverage for a total of 5 members per family.
  2. No Co-Payment Policy: Royal Sundaram Health Plans does not offer a co-payment policy for its policyholders in case of medical claims.
  3. Lifetime Renewal: The best part of all health insurance plans by Royal Sundaram can be renewed for a lifetime. Easy renewals are possible in case of a lapse of policy so that you can continue enjoying all the privileges of health insurance even after the plan expires.
  4. Pre-existing diseases covered: Royal Sundaram provides coverage for pre-existing diseases after completion of the specified 3 years of waiting period.
  5. Health checkups reimbursed: Royal Sundaram Health Insurance provides coverage for expenses incurred on health checkups. Expenses up to a total of Rs. 750 per insured person are eligible for reimbursement by the company.

Exclusions Across Royal Sundaram Health Plans

  • Maternity Expenses: Cost coverage for maternity and childbirth is not provided under Royal Sundaram Health Insurance.
  • Pre-existing Conditions: There is no provision for insurance coverage for pre-existing health conditions at the time of policy purchase. These conditions are covered only after the completion of the lock-in period, i.e., 2-4 years from the date of policy purchase.
  • War Injuries: Coverage for injuries due to war is permanently excluded under Royal Sundaram Health Insurance Plans.
  • HIV/AIDS: Congenital diseases and HIV/AIDS conditions are not covered
  • Intentional Injury or Self-Harm: Injuries caused to self intentionally harm oneself, such as an attempt to suicide, will not be covered under the health insurance plans of Royal Sundaram.
  • Alternative Therapies: Coverage for alternative treatment options, such as Naturopathy, Ayurveda, or Unani, is excluded.
  • Lifestyle Diseases: Poor lifestyle choices such as smoking or excessive consumption of alcohol may result in lung or liver diseases. Treatment of these conditions caused due to the mentioned reasons is not covered under health insurance.
  • Eye, Ear, and Teeth Procedures: Treatments for hearing, vision, or dental problems are also not covered.
  • Cosmetic Surgeries: Specific cosmetic treatments and procedures would also be excluded from health insurance plans.
  • Diagnostic Tests: The cost incurred on undergoing diagnostic tests, X-rays, etc., is generally not covered under Royal Sundaram Health Insurance.

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Royal Sundaram Claim Process

Royal Sundaram supports both cashless claims and reimbursement claims. This section covers the information on how to check Royal Sundaram health insurance claim status, fill Royal Sundaram health insurance claim form, and the claim settlement process.

Step 1: File the claim
If you are insured with Royal Sundaram Health Insurance, you must file a claim within 24 hours of hospitalisation in case of emergencies. In case of planned hospitalisation, you must do so 48 hours before being admitted.

Step 2: Processing of cashless claims
After you are admitted to one of our network hospitals, we will receive intimation from the hospital and initiate claim processing at our end after verification of all submitted documents.

Step 3: Bill settlement on discharge
In the case of cashless hospitalisation, you can relax and focus on your treatment at the hospital and on getting better while Royal Sundaram takes care of the rest.At the time of your discharge from the hospital,we will directly settle the bill with the hospital management without having you pay anything from your pocket.

Step 1: Inform the insurer
If you choose to be treated at a non-network hospital, you are still entitled to receive a reimbursement for your expenses incurred during hospitalisation. Your health insurance with Royal Sundaram allows you to claim reimbursement with the insurer later. In this case, we expect you to inform us of your planned hospitalisation treatment at least 48 hours in advance. In case of medical emergencies, make sure to inform us of your urgent hospitalisation within 24 hours.

Step 2: Submission of form and documents to TPA
After completion of treatment and at the time of discharge from the hospital, you would need to submit all medical records to the Third Party Administrator (TPA) at the hospital desk. Duly fill out the Royal Sundaram Health Insurance claim form received from the hospital and submit it along with the other required documents to the TPA. The documents include diagnostic test reports, pharmacy bills, doctor prescriptions, original hospital bills, and other medical reports.

Step 3: Claim reimbursement
Upon receipt of the claim form and documents by Royal Sundaram,we will thoroughly check and verify the claim made. Upon approval,we will reimburse the insured the amount they incurred on medical expenses.

Royal Sundaram Health Insurance Renewal Process

Health insurance purchased from Royal Sundaram is eligible for lifelong renewal to enable you to continue enjoying its benefits. After the policy expires, you can easily apply for Royal Sundaram Health Insurance renewal online so you do not miss out on any coverage benefits. Here’s the simple step-by-step process to do the same

Step 1: Visit the official portal of Royal Sundaram Health Insurance - https://my.royalsundaram.in/health-insurance.

Step 2: Click on the ‘Insta Renew’ tab to choose your policy renewal option.

Step 3: You will be redirected to the Renew Policy Online page where you can enter the policy number and expiry date of the plan.

Step 4: Make sure that your policy details and amount of premium entered are correct.

Step 5: You will now be required to make the payment for the Royal Sundaram health insurance premium renewal of your health insurance plan.

Step 6: Upon successful payment, you will receive confirmation of policy renewal via email. 

Alternatively, you can also renew your Royal Sundaram Health Insurance policy by reaching out to a Turtlemint expert insurance advisor who will guide you through every step of the Royal Sundaram health insurance renewal process. Visit us at www.turtlemint.com or download the Turtlemint App here.


If the hospitalisation occurs within the pre-existing waiting period, coverage would not be available.However, after the waiting period is over,coverage would be allowed for pre-existing illnesses

Renewals of Royal Sundaram health insurance plans are allowed lifelong. There is no cover ceasing age

Yes, at the time of renewal, the sum insured can be increased if the company allows it. However, for the increased part of the sum insured, the pre-existing waiting period would apply from start

Porting means changing one health insurance policy to another. When you port, you can retain the renewal benefits of your existing health insurance policy. Thus, the waiting period in the new policy would be reduced by the term of the existing policy and you can enjoy better coverage.
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