What is Royal Sundaram Health Insurance?

Royal Sundaram Health Insurance is a range of health plans designed for individuals, families, and senior citizens, offering coverage for hospitalisation, critical illnesses, AYUSH treatments, and wellness benefits.

What is the claim settlement ratio for Royal Sundaram?

For FY 2023-24, Royal Sundaram Hеalth Insurancе has a claim settlement ratio of 95.9%, reflecting its reliability in settling claims promptly.

Are the policies renewable for life?

Yes, most Royal Sundaram Hеalth Insurancе plans offer lifelong renewability, ensuring continuous coverage irrespective of age.

How many network hospitals are available?

Royal Sundaram Hеalth Insurancе has over 10,000 network hospitals across India, allowing cashless treatment at these hospitals.

Does Royal Sundaram offer preventive care benefits?

Yes, many plans include annual health check-ups and wellness programs to encourage preventive healthcare.

What is the Lifeline Health Insurance Plan?

It is Royal Sundaram’s flagship plan offering comprehensive coverage, including hospitalisation, maternity, AYUSH, and wellness benefits.

Can the Family Plus Plan cover my extended family?

Yes, it covers up to 19 family members, including parents and in-laws, under one policy.

What does the Smart Cash Plan provide?

It offers a fixed daily cash benefit during hospitalisation and a lump sum for surgeries, supporting incidental expenses.

Is the Arogya Sanjeevani Policy suitable for first-time buyers?

Yes, it is an IRDAI-standard, affordable plan designed for individuals and small families with basic health coverage needs.

Does the Hospital Cash Insurance Plan cover ICU stays?

Yes, it provides double daily cash benefit for ICU stays along with convalescence benefits.

Are medical tests required for senior citizen plans?

No pre-policy medical tests are required for senior citizen plans of Royal Sundaram Hеalth Insurancе, simplifying purchase for individuals aged 60 and above.

What is the coverage range for the Lifeline Senior Citizen Plan?

Coverage of Royal Sundaram Hеalth Insurancе ranges from ₹3 lakh to ₹25 lakh, depending on healthcare needs.

Do senior plans cover AYUSH treatments?

Yes, both Lifeline and Smart Senior Citizen Plans include AYUSH and modern treatments.

Are annual health check-ups included for seniors?

Yes, free annual health check-ups are available from the first policy year of Royal Sundaram Hеalth Insurancе.

Can I add a critical illness rider to senior plans?

Yes, optional critical illness riders of Royal Sundaram Hеalth Insurancе are available to enhance coverage for major diseases.

How do I file a cashless claim?

Visit a network hospital of Royal Sundaram Hеalth Insurancе, show your health card and ID, and the hospital submits a pre-authorisation form for approval.

What is the typical turnaround time for cashless claims?

Cashless claims of Royal Sundaram Hеalth Insurancе are usually approved within 2–4 hours, depending on urgency and documentation.

How do I submit a reimbursement claim?

Pay the bills at a non-network hospital, gather medical documents, complete the claim form, and submit online or at a branch.

How long does it take to receive reimbursement?

Reimbursement claims of Royal Sundaram Hеalth Insurancе are typically processed within 7–10 working days after verification.

Does Royal Sundaram cover chronic diseases from day 1?

Yes, Royal Sundaram Hеalth Insurancе policies provide Day 1 coverage for seven chronic illnesses, including diabetes, hypertension, and asthma.

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Royal Sundaram

Health Insurance Plans

Royal Sundaram Health Insurance Plans

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95.9%

Claim Settlement Ratio

10,000+

Network Hospitals

7

Overall Rating

Royal Sundaram

Our Vеrdict About Royal Sundaram Hеalth Insurancе

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What We Like

Lifetime renewability without age limits.

Flexible family, top-up, and critical illness plans.

Annual health check-ups and wellness rewards.

10,000+ network hospitals across India.

96% claim settlement ratio with fast approvals.

Areas of Improvement

Premiums rise noticeably with age or frequent claims.

App and online claim tracking need improvement.

Limited hospital reach in smaller towns.

OPD, dental, and vision are not covered in most policies.

Room rent capped at 1% of sum insured.

What We Like

Lifetime renewability without age limits.

Flexible family, top-up, and critical illness plans.

Annual health check-ups and wellness rewards.

10,000+ network hospitals across India.

96% claim settlement ratio with fast approvals.

Areas of Improvement

Premiums rise noticeably with age or frequent claims.

App and online claim tracking need improvement.

Limited hospital reach in smaller towns.

OPD, dental, and vision are not covered in most policies.

Room rent capped at 1% of sum insured.

Final Verdict

Royal Sundaram Hеalth Insurancе is onе of India’s most trustеd insurеrs, offеring a widе rangе of hеalth plans that catеr to individuals, familiеs, and sеnior citizеns. Known for its customer-first approach, the company focuses on affordable premiums, extensive coverage options, and transparent claim processes. With ovеr 10,000 nеtwork hospitals and...

Royal Sundaram Hеalth Insurancе is onе of India’s most trustеd insurеrs, offеring a widе rangе of hеalth plans that catеr to individuals, familiеs, and sеnior citizеns. Known for its customer-first approach, the company focuses on...

Royal Sundaram Health Insurance Plans

Royal Sundaram Lifeline Elite

Royal Sundaram Lifeline Classic

Royal Sundaram Lifeline Supreme

Royal Sundaram Lifeline Elite

Royal Sundaram Lifeline Classic

Royal Sundaram Lifeline Supreme

Royal Sundaram

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

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

Why Choose Royal Sundaram Health Insurance Plans?

Trusted Brand

Backed by Royal Sundaram’s strong financial credibility and nationwide presence, ensuring reliability and timely claim settlement.

Extensive Hospital Network

Access over 20,000+ network hospitals across India for cashless treatment, making healthcare convenient and reducing out-of-pocket expenses during emergencies.

High Sum Insured & Flexible Plans

Plans offer coverage up to ₹2 crore (and some products with unlimited sum insured), with add-ons like gym/sports injury cover and critical illness options to suit individual needs.

Online Convenience

Policy purchase, renewal, and digital document issuance are available online, providing a hassle-free experience with quick quotes and easy management.

Comprehensive Coverage

Covers hospitalisation, day-care procedures, domiciliary treatments, AYUSH therapies, organ donor expenses, and ambulance charges, ensuring financial protection for a wide range of medical needs.

Trusted Brand

Backed by Royal Sundaram’s strong financial credibility and nationwide presence, ensuring reliability and timely claim settlement.

Extensive Hospital Network

Access over 20,000+ network hospitals across India for cashless treatment, making healthcare convenient and reducing out-of-pocket expenses during emergencies.

High Sum Insured & Flexible Plans

Plans offer coverage up to ₹2 crore (and some products with unlimited sum insured), with add-ons like gym/sports injury cover and critical illness options to suit individual needs.

Online Convenience

Policy purchase, renewal, and digital document issuance are available online, providing a hassle-free experience with quick quotes and easy management.

Comprehensive Coverage

Covers hospitalisation, day-care procedures, domiciliary treatments, AYUSH therapies, organ donor expenses, and ambulance charges, ensuring financial protection for a wide range of medical needs.

Documents Required

ID Proof

Documents like Aadhaar Card, PAN Card, or Passport are needed to verify your identity.

Address Proof

Provide a valid address document such as a utility bill or Voter ID card.

Age Proof

Submit proof of age like a Birth Certificate or Driving License for eligibility verification.

Recent Passport-Size Photographs

Required for policy records and identification purposes during the application process.

Income Proof

For high-sum insured plans, documents like salary slips or ITR may be needed.

ID Proof

Documents like Aadhaar Card, PAN Card, or Passport are needed to verify your identity.

Address Proof

Provide a valid address document such as a utility bill or Voter ID card.

Age Proof

Submit proof of age like a Birth Certificate or Driving License for eligibility verification.

Recent Passport-Size Photographs

Required for policy records and identification purposes during the application process.

Income Proof

For high-sum insured plans, documents like salary slips or ITR may be needed.

Royal Sundaram

Claim Settlement Process

Quick and hassle-free claim settlement with dedicated support to ensure timely approvals and smooth hospital experiences

1-5 of 6 Process

Royal Sundaram

Renewal Process

Easily renew your policy online or offline to enjoy uninterrupted health coverage

Royal Sundaram Network Hospitals

10,000+

Network hospitals across the country for cashless treatment

700+

Cities covered nationwide for easy access to quality healthcare

700+

States and union territories ensuring comprehensive coverage

10,000+

Network hospitals across the country for cashless treatment

700+

Cities covered nationwide for easy access to quality healthcare

700+

States and union territories ensuring comprehensive coverage

Royal Sundaram

Features Comparison

Senior Citizen Health Plan

Secure against age-related medical costs
Tailored for seniors healthcare needs

Family Health Plan

One policy covers the entire family
High sum insured with cashless care
Multiple coverage options based on your family needs

Maternity Health Plan

Covers delivery, newborn care, and maternity expenses
Reduces financial stress of childbirth costs

Senior Citizen Health Plan

Secure against age-related medical costs
Tailored for seniors healthcare needs

Family Health Plan

One policy covers the entire family
High sum insured with cashless care
Multiple coverage options based on your family needs

Maternity Health Plan

Covers delivery, newborn care, and maternity expenses
Reduces financial stress of childbirth costs

Royal Sundaram

Need help finding the right health plan?

Our experts offer personalised recommendations tailored to your age, family size, and health profile, ensuring you select the ideal coverage

FAQs

Frequently Asked Questions

Got questions about health insurance? You’re not alone. Here are some of the most commonly asked questions to help you understand plans, coverage, claims, and benefits better.