- Retail Insurance
- Business Insurance
- Resources
- Claims
Royal Sundaram Health Insurance is offered by Royal Sundaram General Insurance Co. Limited, one of India's first private sector general insurers, licensed by the IRDAI (Registration No. 102). The insurer offers health insurance solutions for individuals, families, senior citizens, and businesses, with coverage extending up to ₹1.5 crore under selected plans.
Policyholders also get access to 12,500+ cashless hospitals, digital policy servicing, lifetime renewability under eligible plans, and a wide choice of plans ranging from comprehensive health insurance to top-up and standardised policies.
Royal Sundaram General Insurance offers a range of health insurance features designed to provide comprehensive medical coverage, convenient digital services, and access to an extensive cashless hospital network across India.
Access cashless treatment across an extensive network of hospitals in India for planned and emergency hospitalisation.
High sum insured options are available under selected plans such as Lifeline Elite.
Available across major Lifeline and Family Plus variants, offering greater flexibility during hospitalisation.
Continue your health insurance coverage for life by renewing your policy on time under eligible plans.
Included in eligible plans to encourage preventive healthcare and early diagnosis.
Selected plans offer restoration benefits and reward claim-free years with an increased sum insured.
Covers eligible AYUSH treatments with plan-specific limits or up to the sum insured, depending on the policy.
Buy, renew, download e-cards, and track claims online through the insurer's digital platforms.
Premiums paid towards eligible health insurance policies qualify for deductions under Section 80D of the Income Tax Act.
Receive round-the-clock support through customer care and the insurer's digital service channels.
As a trusted general insurance company, Royal Sundaram offers health insurance plans with varying coverage options, making it easier for individuals and families to choose a policy that suits their healthcare needs and budget.
| Plan | Best Suited For | Key Highlights |
|---|---|---|
| Lifeline Health Insurance | Individuals and families | Available in Classic, Supreme, and Elite variants with coverage from ₹2 lakh to ₹1.5 crore. Includes annual health check-ups, restoration benefit, no claim bonus, emergency domestic evacuation, and international treatment for specified critical illnesses in higher variants. |
| Family Plus Health Insurance | Families | Covers up to 19 family members under a single policy with sum insured options from ₹2 lakh to ₹50 lakh. |
| Multiplier Health Insurance | Individuals seeking increasing coverage | Automatically increases the sum insured after every claim-free year without a proportionate increase in premium, subject to policy terms. |
| Advanced Top-Up Health Insurance | Existing health insurance policyholders | Provides additional coverage once the deductible is exhausted, helping enhance overall protection at a lower premium. |
| Arogya Sanjeevani Policy | First-time buyers | Standard health insurance product with affordable premiums and uniform benefits prescribed by IRDAI. |
| SurroSafe Health Insurance | Women planning surrogacy | Covers eligible medical expenses associated with surrogacy, subject to policy terms. |
| Hospital Cash Insurance | Individuals looking for supplementary cover | Pays a fixed daily cash benefit during eligible hospitalisation to help manage incidental expenses. |
Selected Royal Sundaram Health Insurance plans can be enhanced with optional covers that extend protection beyond standard hospitalisation benefits.
Pays a fixed daily allowance during eligible hospitalisation.
Provides a lump-sum payout upon diagnosis of specified critical illnesses.
Covers eligible outpatient consultations and treatments under selected plans.
Available with eligible plans to help manage maternity-related expenses.
Covers eligible assisted reproductive treatment expenses under selected plans.
Covers prescribed mobility aids following eligible treatment.
Covers medically necessary bariatric surgery under eligible plans.
Includes preventive healthcare and wellness services under eligible plans.
Royal Sundaram's health insurance portfolio goes beyond basic hospitalisation cover by incorporating features that address long-term healthcare needs and changing medical costs.
Family Plus allows coverage for up to 19 family members, making it suitable for multi-generational households.
Plans such as Multiplier reward healthy years by increasing the available sum insured without requiring a corresponding increase in premium, as per policy terms.
Higher variants include benefits such as international treatment for specified critical illnesses, emergency domestic evacuation, and worldwide emergency hospitalisation.
Eligible plans include annual health check-ups and wellness initiatives that encourage regular health monitoring.
Coverage ranges from ₹50,000 under Arogya Sanjeevani to ₹1.5 crore under premium plans, allowing policyholders to choose protection that suits their budget.
Policyholders can buy, renew, download e-cards, locate hospitals, and register claims through the insurer's online platform.
Royal Sundaram Health Insurance covers a wide range of medical expenses, including hospitalisation, modern treatments, AYUSH care, and preventive healthcare benefits. The exact coverage depends on the plan selected and its terms and conditions.
| Coverage | Description |
|---|---|
| Inpatient Hospitalisation | Covers hospitalisation expenses for treatments requiring at least 24 hours of admission. |
| Pre & Post-Hospitalisation | Covers eligible medical expenses incurred before admission and after discharge within the policy limits. |
| Day Care Procedures | Covers eligible treatments that do not require 24-hour hospitalisation. |
| ICU Charges | Covers ICU or ICCU expenses as per the policy terms. |
| Ambulance Expenses | Covers emergency ambulance charges up to the specified limit. |
| AYUSH Treatment | Covers inpatient treatment under Ayurveda, Yoga, Unani, Siddha, and Homeopathy at recognised centres. |
| Domiciliary Treatment | Covers treatment at home when hospitalisation is medically not possible. |
| Organ Donor Expenses | Covers eligible hospitalisation expenses for organ donors during a transplant. |
| Maternity Benefits (Selected Plans) | Selected plans cover maternity and childbirth expenses after the applicable waiting period. |
| Modern Treatments | Covers specified advanced medical procedures listed in the policy. |
| Annual Health Check-ups | Offers preventive health check-ups under eligible plans. |
| Restoration Benefit | Restores the sum insured if it is exhausted, subject to the policy terms and conditions. |
Like all health insurance policies, Royal Sundaram Health Insurance also has certain exclusions where claims may not be payable. These exclusions vary depending on the selected plan and policy wording.
| Exclusion | Description |
|---|---|
| Initial Waiting Period | Illness-related claims during the initial waiting period are not covered. |
| Pre-Existing Diseases | Covered only after the applicable waiting period has been completed. |
| Cosmetic Treatments | Cosmetic or aesthetic procedures are generally excluded unless medically necessary. |
| Self-Inflicted Injuries | Injuries caused intentionally are not covered. |
| Alcohol or Drug-Related Illnesses | Treatment arising from alcohol or drug abuse is excluded. |
| Adventure Sports | Injuries resulting from hazardous or adventure sports are generally not covered. |
| War & Nuclear Risks | Claims arising from war, nuclear events, or related risks are excluded. |
| Non-Medical Expenses | Personal and non-medical consumables are not covered. |
| Experimental Treatments | Unproven or experimental treatments are generally excluded. |
| Other Standard Exclusions | Dental treatments, infertility treatment, vision correction, and other exclusions specified in the policy may not be covered. |
Buying Royal Sundaram Health Insurance through Coverfox is quick and completely digital. You can compare plans, choose the right coverage, and receive your policy online in just a few steps.
Visit the Coverfox Health Insurance page.
Enter your age, city, and the details of the members you want to insure.
Compare available Royal Sundaram Health Insurance plans based on coverage, sum insured, premium, and benefits.
Select the plan and any optional add-on covers that suit your healthcare needs.
Fill in the proposal form with your personal, nominee, and medical details.
Review the policy details and pay the premium securely online.
Once the purchase is completed, your policy document is issued digitally and shared via email.
If you need help choosing a Royal Sundaram Health Insurance plan, simply share your contact details on Coverfox. One of our health insurance experts will get in touch with you, explain the available plans, answer your queries, and help you choose the most suitable coverage for your healthcare needs.
Royal Sundaram provides access to 12,500+ cashless network hospitals across India, enabling policyholders to receive cashless treatment for eligible medical expenses. During a cashless claim, the approved hospitalisation expenses are settled directly between the insurer and the hospital, reducing the need for upfront payments, subject to the policy terms.
Visit Coverfox and navigate to the Network Hospitals section.
Select Royal Sundaram from the list of insurers.
Enter your State and City.
Browse the list of network hospitals available in your preferred location.
Choose a hospital to avail cashless treatment under your policy.
Customer Care (Service): 1800 258 5970
Claims Helpline: 1800 258 5881
Sales Helpline: 1800 208 8787
Toll-Free Numbers: 1860 258 0000 / 1860 425 0000
Phone: 022 3383 4185
WhatsApp Support: 74004 22200
Email: customer.services@royalsundaram.in
Disclaimer: Coverage, Plans, and Benefits, are subject to Royal Sundaram policy wordings. Refer to the policy document for accurate information.
The Royal Sundaram Health Card is a digital or physical identification card issued to policyholders. It can be presented at network hospitals to avail cashless hospitalisation, subject to the policy terms and claim approval.
The latest claim settlement ratio should be verified from the insurer's annual report or IRDAI disclosures, as it is updated periodically.
Yes. Selected plans provide a restoration benefit that reinstates the sum insured if it is exhausted during the policy year, subject to the policy terms.
Yes. You can port your existing health insurance policy in accordance with the IRDAI portability guidelines, subject to underwriting and the insurer's approval.
The maximum entry age depends on the plan selected. Some plans have no maximum entry age, while others specify an upper age limit.
Yes. Royal Sundaram cashless treatment is available through a network of 12,500+ hospitals across India, subject to the policy terms.
Yes. Instalment payment options are available for eligible plans, subject to the Royal Sundaram payment terms and policy conditions.
You can log in to the Royal Sundaram customer portal using your registered credentials to view your policy details, renewal status, and other policy information.
Yes. The Royal Sundaram Family Plus plan allows coverage for multiple family members, including parents, subject to the policy's eligibility criteria.
Yes. OPD benefits are available under selected plans or optional add-on covers. Please refer to the policy wording of your chosen plan for details.
You can download your Royal Sundaram policy document by logging in to the insurer's website or customer portal using your registered mobile number or policy details.
Yes. AYUSH treatments are covered under eligible plans, subject to the policy terms and conditions.
Yes. You may request an increase in the sum insured at the time of renewal. The request is subject to underwriting, eligibility, and the insurer's approval.
Yes. Annual health check-ups are available under eligible plans, helping policyholders monitor their health through preventive care benefits.
