Royal Sundaram Health Insurance

  • 14,000+ Network Hospitals
  • 99.06% Claim Settlement Ratio
  • 24x7 Claim Assistance

Royal Sundaram Health Insurance

Royal Sundaram Health Insurance is a renowned insurance product offered by Royal Sundaram General Insurance (formerly known as Royal Sundaram Alliance Insurance Co. Ltd.) to cover the medical and surgical expenses of an insured person. The company is the first private-sector general insurance company in India licensed by IRDAI in October 2000.

Royal Sundaram General Insurance Company initially started as a joint venture by Sundaram Finance and other Indian shareholders. Sundaram Finance has a stake of 50%, Ageas Insurance 40%, and other Indian shareholders 10% (as per the information available on the official website by March 2024). The company serves individuals and businesses with its wide range of travel, motor, health, home, fire, engineering and liability insurance products.

Royal Sundaram has a strong network of 158 branches across India and 2000+ employees to make processes easier and more convenient for its customers. The company serves its products through multiple channels, including agents, distribution partners, brokers, and online. By now, the company has served more than 28 million customers.

Awards and Achievements of Royal Sundaram Health Insurance

Royal Sundaram Health Insurance has been recognized for its dedicated services. Some of the awards and accolades are listed below:

  • Royal Sundaram Health Insurance received the ‘Celent Model Insurer Asia Award’.
  • Royal Sundaram Health Insurance won ‘ET Awards for Prompt GI Compact Category’.
  • Royal Sundaram Health Insurance won ‘Best BFSI Brands 2021’.
  • Royal Sundaram Health Insurance received an ISO 9001 – 2015 Certificate for efficient customer service in health and accident claim processes.


Being the first general insurance company in the private sector, Royal Sundaram General Insurance has set a league to introduce many developments for the very first time in India. Some of them are mentioned below:

  • First insurer to pioneer hospital cash feature
  • First insurer to introduce settlement for health claims in cashless mode
  • First insurer to offer co-branded credit cards

Royal Sundaram Health Insurance Company Specifications

Below are the key specifications of Royal Sundaram Health Insurance Company, which provide a quick outlook and help you make an informed decision:

Particulars Specifications
Network Hospitals 10000+
Incurred Claim Ratio (2022-23) 83.36%
Cashless Claim Settlement Within 2 hours
Claims Paid (less than 3 months in 2022-23) 96.17%
Number of Branches 158
Solvency Ratio (2022-23) 2.16
Customer Base 2.8 Crore+
Claims Paid 95%
Policy Issued 20,80,000+

*Data has been taken from the IRDAI 2022-23 annual report.

Key Features of Royal Sundaram Health Insurance

Royal Sundaram Health Insurance is the first private-sector general insurance company in India to be licensed. It offers various health insurance products that cover individuals, families, and senior citizens with health insurance coverage. Some of the salient features of Royal Sundaram Health Insurance are given below:


Network Hospitals

The insured can use cashless hospitalisation at the Royal Sundaram Health Insurance network hospitals. The company has a nationwide presence of 10,000+ network hospitals. You can download the Royal Sundaram Health Insurance hospital list on the website to check the hospitals covered.


Second Opinion Covered

Royal Sundaram Health Insurance allows the insured to seek a second opinion in the case of a chronic disease. This allows them to get detailed information about the medical condition and make a well-informed decision.


Quick Claim Settlement

Royal Sundaram Health Insurance has recorded a claim settlement ratio of 95%, thanks to its cashless hospitalisation and reimbursement features. The claim settlement process is quick and hassle-free, reducing the burden on the individual and allowing them to focus on treatment.


Exhaustive Health Cover

Royal Sundaram Health Insurance plans are designed to suit the needs of different individuals. The plans provide comprehensive and exhaustive health coverage for individuals and families to safeguard them against medical conditions.


Plan for Every Need

Royal Sundaram Health Insurance addresses different aspects of an earning individual and offers a plan suitable for their financial core. They have plans for young individuals who have recently started to earn, for those who want to cover their spouse and child, and for senior citizens.


Instant Policy Renewal

Royal Sundaram Health Insurance has started offering instant renewal of health insurance and other insurance policies with just a few clicks. Policyholders can renew their policies online by visiting the Royal Sundaram official website.

Health Insurance Policy Offered Under Royal Sundaram Health Insurance

Royal Sundaram Health Insurance offers various health insurance plans to cover medical expenses for individuals, families, senior citizens, accident cover, and critical illnesses. We have prepared a list of the Royal Sundaram Health Insurance plans, with their coverage and eligibility criteria.

Individual and Family Health Insurance Plan

Top Up Health Insurance Plan

Accident Cover Plan

Royal Sundaram Health Insurance Premium Calculation

Royal Sundaram Health Insurance premium calculator is available on the official website, and individuals can use it to calculate the premium. Based on the premium calculation, you can compare and buy a Royal Sundaram health insurance plan at an affordable price. The health insurance calculator considers various factors, including age, pre-existing diseases, individual or family floater needs, lifestyle, medical history, location, and sum insured. Let’s look at the simple steps to proceed with Royal Sundaram health insurance premium calculation:

  • Select the preferable option (individual or family floater)
  • Provide the essential information, like plan type, city name, and sum insured.
  • Choose your family members to include (in case of a family floater plan)
  • Enter your contact details and the name of the proposer
  • Click on ‘Calculate Premium’ to get the quote

Why Buy Royal Sundaram Health Insurance Plans?

Buying Royal Sundaram Health Insurance comes up with many underlying features that help customers get extended benefits and stay financially protected against medical emergencies. Below are some of the reasons why you should choose Royal Sundaram as your health insurance provider:

  • Avail medical care at 10,000+ network hospitals across the nation
  • Comprehensive and exhaustive health cover
  • Affordable premium costs for diversified customers
  • More than 90% of claim settlement ratio
  • Cashless hospitalisation and reimbursement
  • Free annual health check-ups
  • Free medical and dietary advice

What is Covered Under Royal Sundaram Health Insurance Plans?

The inclusions under Royal Sundaram Health Insurance may vary depending on your chosen plan. However, the health insurance plans offer financial assistance for the following medical expenses:


Inpatient Care

When an individual is hospitalised and spends at least one-night getting treatment from healthcare professionals, they get coverage for room rent, ICU charges, surgery expenses, and other hospitalisation expenses.


Hospital Expenses

Royal Sundaram Health Insurance understands medical inflation and the cost of check-ups and consultations. Hence, the health insurance plans provide financial assistance for pre and post-hospitalisation expenses.


Donor Expenses

Some of the Royal Sundaram Health Insurance plans cover donor expenses. In case the insured needs a donor transplant, the financial expenses are covered.


Hospital Cash Benefit

A daily lump sum amount is provided for 30 days to cover the hospitalisation expenses. The insured needs to inform the company within 24 hours of hospitalisation.


Road Traffic Accidents

Accidents can happen anytime, and in many cases, the injured need to be hospitalised. Some of the plans cover in-patient hospitalisation due to an accident.


General Health Check-Ups

Some of Royal Sundaram's plans also cover general health check-ups.

Besides the above inclusions, many other benefits depend on your chosen policy. You can check the individual plans on the official website to learn about coverage and inclusions under Royal Sundaram Health Insurance plans.

Royal Sundaram Health Insurance Exclusions

While the individuals are financially protected against the burden of various treatments and surgeries, some conditions and treatments are not covered under Royal Sundaram Health Insurance plans. Below is the list of the exclusions under Royal Sundaram Health Insurance:


Pre-existing diseases


Any illness within 30 days of policy purchase


Cosmetic surgery




Alcohol or drug abuse


Hereditary conditions


Gender transplant treatment


Sexual wellness treatment

Royal Sundaram Health Insurance Buying Process

You can purchase Royal Sundaram Health Insurance directly from the official website of Royal Sundaram General Insurance and the trusted advisors at Follow the below steps to buy Royal Sundaram health insurance plans:

Buy from ""

  • Visit the official website of "RenewBuy".
  • Click on the "Health Insurance Plan" tab.
  • Select the preferred health insurance company from best health insurance companies list.
  • Fill in all the required details in the form.
  • Click on the "Buy Now" button.
  • Make payment.
  • We will send the policy documents to your registered email ID.

Buy from the Official Website of Royal Sundaram Health Insurance

  • Visit the official website of Royal Sundaram General Insurance.
  • Click on the ‘Heath’ icon available on the homepage.
  • Choose the person to be insured (individual or family) and provide an accurate age of covered members.
  • Fill out the requested details per the plan requirement and click ‘See Plans’.
  • You will get the premium details of the different available plans.
  • Select the suitable plan and click on ‘Buy Now’.
  • Make the payment, and you will get your policy documents in your registered email.

Factors to Consider While Buying Royal Sundaram Health Insurance

Royal Sundaram Health Insurance makes health insurance purchases smart, convenient, and secure for individuals seeking medical coverage. While buying the Royal Sundaram Health Insurance plan, you can consider the following factors:


Right Sum Insured

Ensure that the selected sum insured is sufficient to cover any possible future medical emergency. Choose a health insurance plan with the right coverage, which adequately protects you through your age, lifestyle habits, healthcare expenses, and specific diseases.


Network Hospitals

Always review the Royal Sundaram network hospital list and check the hospitals covered nearby so you can avail of cashless hospitalisation benefits.


Benefits Offered

Royal Sundaram offers different plans with various benefits, including maternity, daycare, pre and post-hospitalisation, critical illness, preventive health care, and more. Review the plan benefits carefully to gain maximum coverage under one plan.


Cost and Affordability

Don't ignore the premium when customizing the plan to meet your needs. Select the sum insured and tenure that fits your financial suitability and covers you adequately.

Why Buy Royal Sundaram Health Plans From RenewBuy?

RenewBuy brings you the best deals on Royal Sundaram Health Insurance plans across the market. The key reasons for you to consider us are as follows:

  • IRDAI Certified
  • Get Insured by a leading Insurer
  • Discounted Premiums
  • Compare Various Health Plans in Just a few Clicks
  • Simple & Easy Buying Process
  • 24x7 Claim Assistance.

Royal Sundaram Health Insurance Renewal Process

Royal Sundaram is up to making the customer experience easier than ever. Many plans are eligible for lifelong renewal, enabling customers to enjoy uninterrupted medical coverage. Once the policy expires, you can apply for Royal Sundaram Health Insurance renewal online by following the given steps:

  1. Visit the official website of Royal Sundaram General Insurance.

  2. Go to the ‘Insta Renew’ tab on the top menu bar.

  3. Select the ‘Health’ icon and choose any of the preferred options to proceed with renewal.

  4. Provide true details and click on ‘Generate OTP’.

  5. The policy details will be reflected. You are required to make the payment for the renewal of Royal Sundaram Health Insurance.

  6. Once the payment is completed, you will receive the confirmation of policy renewal via email.

How to Claim Royal Sundaram Health Insurance?

Royal Sundaram has made the health insurance claim process quick and simple for its customers. Two types of claims are raised under the Royal Sundaram Health Insurance plan: cashless hospitalisation and reimbursement claims. Below is the easy step-by-step guide to making a claim:

Cashless Hospitalisation Claim Process

  • For emergency medical treatment, the insured needs to file a claim within 24 hours of hospitalisation and 48 hours prior to the planned hospitalisation.
  • The hospital sends pre-authorisation form and other documents to Royal Sundaram General Insurance Company for verification
  • Once the verification is done, Royal Sundaram will update you about the claim status.
  • The insured can undergo cashless hospitalisation based on approval.
  • After the discharge of the insured, Royal Sundaram General Insurance Company directly settles the bill with the hospital.

Reimbursement Claim Process

  • In case of treatment at a non-network hospital, inform the Royal Sundaram General Insurance Company at least 48 hours prior to the hospitalisation in case of planned treatment (24 hours in case of emergency hospitalisation).
  • Upon discharge, the insured needs to send all medical invoices and reports to the Third Party Administrator (TPA).
  • The TPA verifies the claim and reimburses the amount to the bank account of the insured.

Required Documents to Avail of Claim

The insured needs to submit the following documents to make a health insurance claim: Insured name

  • Diagnosis report
  • Hospital details: name, address, contact number
  • Details of the doctor who is treating the insured
  • Date of hospitalisation
  • Expected discharge date

Royal Sundaram Health Insurance Contact Details

To get assistance regarding insurance plan details or policy issues, connect with the Royal Sundaram Health Insurance customer care team at the given contact details:

Toll-Free Number 1860 258 0000, 1860 425 0000
Email ID
Phone Number 022 6260 4805
Address Royal Sundaram General Insurance Co. Ltd. No.21, Patullos Road, Chennai - 600 002

* All the data has been sourced from the IRDAI Annual Report (2021-22) and the official website of Canara HSBC Life Insurance.