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Royal Sundaram Health Insurance Claim Settlement

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About Claim Settlement

About Claim Settlement

The claim settlement ratio is often used to judge an insurance company, but it can be misleading. Each insurer calculates it differently, and it doesn’t always show how well they handle claims or support customers....

Customer Testimonials

Customer Testimonials

Real experiences from our valued customers who have chosen our insurance coverage.

Have been associated with Ruchir and his team… They have provided me excellent guidance in choosing the right plans for myself and my family…

…always been available to assist with any insurance/claim queries.

Nakul N

I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.

Prashant Pandey

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

My heartfelt thanks to the OneAssure team for making my insurance claim process effortless. Right from the very first interaction, they demonstrated professionalism, clear communication, and an impressive command of the procedures involved. Their swift updates, timely guidance, and persistent follow-through removed all the stress from what could have been a complicated experience.

Anju Renjith

I am truly grateful for the support and guidance I received in settling my insurance claim. The entire process was handled with great professionalism, clarity, and efficiency. Their prompt response, deep knowledge of the procedures, and consistent follow-ups ensured a smooth and hassle-free experience.

Thank you once again for your invaluable help, highly recommended!

Yogesh Meena

I recently had the pleasure of purchasing health insurance for my parents through this company, and my experience has been exceptional...The team was incredibly patient and took the time to explain every detail to me. No matter how many times I asked questions, they were always calm and thorough in their explanations. Their professionalism and dedication made a significant difference in helping me make an informed decision.

Akash Kumar

OneAssure helped me understand my needs and choose a product that was right for me. There was no pressure tactics or mis-selling. This experience was respectful, informed, and completely stress-free.

Shreya Goyal

Had a great experience with OneAssure during my insurance claim process. A special shoutout to Sunad Raj for his exceptional support, he was professional, responsive, and guided me every step of the way. Thanks to his consistent follow-ups and clear guidance, the entire claim settlement was smooth and hassle-free. Highly recommend OneAssure for their service and transparency!

Sanjay Dakalia

The team is very professional and prompt. I would have all my health and life insurance needs met through them.

Harish Jindal

Very professional service from Ruchir & Aman. They were recommended by a friend who had a positive experience with them. I have taken both health and life policies through them and they have advised me well throughout the process and found the best options available in the market. I had a medical condition due to which it was difficult to find a suitable health policy in the market, however this team was able to find one for me. I would recommend their services to anyone looking to buy health or life insurance.

Siddhartha Saha

Wonderful experience with Prost. Right from suggesting the insurance products to claim process the entire experience hai been seamless. They do not mis-sell and are very transparent. Sundar Raj from the team has been wonderful and ensured prompt guidance.

All the best Ruchir and keep up the good work!

Adarsh Ravindranathan

Our Verdict

Our Verdict on Royal Sundaram Health Insurance Claim Settlement Ratio & Process

Pros

Efficient support for hospitalization, pre- and post-treatment claims.

Clear documentation requirements that simplify both cashless and reimbursement claims.

Quick cashless approvals with a smooth, digital-first process.

High Claim Settlement Ratio, assuring strong claim reliability.

Cons

Customer service response times may be inconsistent.

Some plans have strict claim-related sub-limits and conditions.

Reimbursement claims can take longer during peak periods.

Cashless approval speed may vary depending on the hospital.

Final Verdict

Royal Sundaram Health Insurance delivers a dependable claim experience backed by a strong 96% Claim Settlement Ratio and a streamlined, digital process. The company ensures quick support during medical emergencies, making cashless and reimbursement claims...

Royal Sundaram Health Insurance Claim Settlement & Process

Cashless claims

Get treated at a Royal Sundaram network hospital where approved bills are paid directly by the insurer.

Reimbursement claims

Pay the hospital upfront, submit documents, and receive the eligible amount back after verification.

Claim Settlement Process

How to file Royal Sundaram Hеalth Insurancе claims?

Documents Required for Claims

Royal Sundaram Health Card / e-Card

Proof of your policy during hospital admission.

Government Photo ID

Aadhaar, PAN, Passport, Voter ID, or Driving License to verify identity.

Policy Number

Helps confirm coverage, sum insured, and plan eligibility.

Doctor’s Admission Note / Consultation Papers

States diagnosis and medical reason for hospitalization.

Hospital Treatment Estimate

Gives the expected treatment cost, surgery details, and duration.

Pre-authorization Form

Completed and signed by you and the hospital for cashless approval.

Discharge Summary & Final Bills

Shows treatment provided, procedures done, and the final billed amount.

How to Check Status

How to Check Royal Sundaram Claim Status

How Claim Settlement Ratio (CSR) Works

Formula

CSR = (Claims Settled ÷ Claims Received) × 100

Example

If an insurer settles 9,957 claims out of 10,000, then CSR = 99.57%

A high CSR simply means the insurer consistently pays out claims on time.

Common Reasons for Claim Rejection

Missing or Incorrect Documents

Incomplete bills, prescriptions, or ID proofs can stop Royal Sundaram claim approval.

Name/Age/Policy Mismatch

Any mismatch between hospital records and policy details leads to verification issues and claim denial.

Missing Dependent Proof

Family floater claims may be rejected if age or relationship proof for dependents isn’t submitted.

Incorrect Bank Details

Wrong or unverified NEFT/bank details can delay or reject reimbursement claims.

Network Hospitals

Delhi

Delhi

Sir Ganga Ram Hospital

Delhi

Delhi

National Heart Institute

Mumbai

Mumbai

Sir H.N. Care Foundation Hospital and Research Centre

Mumbai

Mumbai

Fortis S L Raheja Hospital

Chennai

Chennai

Apollo Speciality Hospital

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Family Health Plan

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  • One policy covers the entire family

  • High sum insured with cashless care

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Maternity Health Plan

Maternity Health Plan

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Claim Settlement

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Frequently Asked Questions

Frequently Asked Questions

Get answers to common questions about our insurance policies and services.

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