Royal Sundaram Alliance Insurance: All you need to know

Royal Sundaram Alliance Insurance Co. Ltd., is one of the leading players in the insurance industry of the Indian market. With over 17 years of experience in the field, they have captured a large base of loyal customers with their flawless services as can be noted online by searching for Royal Sundaram Health Insurance review. Their excellent services and offerings have built them a strong customer base of about 5 million clients with a presence in over 180 cities all over the country. They have a widespread product portfolio ranging from auto insurance to home insurance for personal insurers and fire, engineering, liability, etc for corporate insurances and Royal Sundaram Health Insurance.

Being one of the pioneers in the market, Royal Sundaram Health Insurance has introduced several offerings such as cashless claim processes, cash allowances and so on for hospitalisation and value-add partnerships.

The following policies are offered by the Royal Sundaram Health Insurance:

  1. Royal Sundaram Family Good Health Plan
  2. Royal Sundaram Smart Cash Plan
  3. Royal Sundaram Lifeline Health Insurance

 

Royal Sundaram Family Good Health Plan:

The good health plan aims to provide financial protection to the insured, his/her family and dependants economically.

Age bridge 3 months to 21 years
Policy period 1-2 years
Royal Sundaram Health Insurance renewal Lifetime
Medical screening Mandatory for policy holder if over 50 years and dependants if over 65 years
Basis Floater basis

  • Inclusive in family – self, spouse, dependent children and parents
  • Up to 2 adults and 3 children
Assured Sum Rs. 2 – 4 lakshs
Premium Premiums are based on the oldest member insured

Policy of 1 year – Rs. 3,341 to Rs. 33,403

Policy of 2 years – Rs. 6, 348 to Rs.63, 466

Cover
  • Hospitalization expenses – room charge, fees, supplies, consumables, etc
  • Pre-post hospitalization expenses – 30-60 days (dependently)
  • 4 year wait period for pre-existing diseases
  • Every day cash allowance of Rs.500 during the hospitalised tenure
  • Convalescence Benefit
  • Ambulance costs of Rs. 1000
  • Health check ups

 

Royal Sundaram Smart Cash Plan:

This plan covers the daily expenses of the patient such as food, transportation, assistance, accommodation and more and is one of the most opted plans amongst the Royal Sundaram Health Insurance reviews. The smart cash plan is designed to cover the daily out of pocket charges while getting treated for an illness or injury. The plan comes in three variants – Silver, Gold and Platinum.

Numerous attractive features come as a package along with this plan, such as hospitalisation benefits, tax benefits, flight tickets in case of emergency, reimbursement and more. It also provides covers for join hospitalization, ICU charges, childbirth, critical illness, food expenses, guest expenses, travel and more. Although it is an individual plan, children, spouses and parents can be included.

91 days is the minimum age of entry for the smart cash plan with a maximum of 70 years. Royal Sundaram Health Insurance renewals are also available. This age restriction is applicable only for Gold and Platinum variant, while silver has no barriers. There is no exit age under this plan.

Royal Sundaram Lifeline Health Insurance:

This health policy can be applied for as an individual insurance plan or as a family floater plan. The Royal Sundaram Health Insurance review and plan has 3 different variants:

  • Royal Sundaram Lifeline Classic Health Insurance Plan
  • Royal Sundaram Lifeline Supreme Health Insurance Plan
  • Royal Sundaram Lifeline Elite Health Insurance Plan

 

CLASSIC SUPREME ELITE
Basis Individual Family Floater includes self, spouse and dependent children – Maximum 2 adults and 4 children Individual Family Floater includes self, spouse and dependent children – Maximum 2 adults and 4 children Individual Family Floater includes self, spouse and dependent children – Maximum 2 adults and 4 children
Entry age Minimum age -18 years. Minimum age -18 years. Minimum age -18 years.
Policy period 1-3 years 1-3 years 1-3 years
Assured sum Rs 2 lakhs – Rs. 5 lakhs Rs. 5 lakhs – Rs. 50 lakhs Rs. 25 lakhs – Rs. 1 crore
Renewal Lifetime Lifetime Lifetime
Pax covered Family floater plans – 6 members Family floater plans – 6 members Family floater plans – 6 members
Medical screening None None None
Coverage Inpatient Care

Expenses Pre and post hospitalization: 30 to 60 days limited to sum assured

All day-care treatments

Ambulance charges of Rs. 3,000

Expenses for Organ donor

Cover for Ayurveda, Yoga, Unani, Siddha, and Homeopathy

Animal bite vaccination up to Rs. 2,500

Hospitalization cash of Rs. 1000 per day, up to 30 days

Preventive healthcare

Inpatient Care

Expenses Pre and post hospitalization: 60 to 90 days limited to sum assured

All day care treatments

Ambulance charges of Rs. 5,000

Expenses for Organ donor

Cover for Ayurveda, Yoga, Unani, Siddha, and Homeopathy treatment of Rs. 30,000

Animal bite vaccination up to Rs. 5,000

Emergency domestic evacuation of Rs. 1 lakh

Hospitalization cash of Rs. 2000 per day, up to 30 days

Preventive healthcare

Inpatient Care

Expenses Pre and post hospitalization: 60 to 180 days limited to sum assured

All day care treatments

Ambulance charges of Rs. 10,000

Expenses for Organ donor

Cover for Ayurveda, Yoga, Unani, Siddha, and Homeopathy treatment of Rs. 50,000

Animal bite vaccination up to Rs. 7,500

Emergency domestic evacuation of Rs. 3 lakhs

Hospitalization cash of Rs. 5000 per day, up to 30 days

Preventive healthcare

Emergency hospitalization services abroad of Rs 20 lakhs.

Out-patient department treatment covered up to Rs. 10,000

Maternity cover for 2 deliveries

No claim bonus 10% NCB of a 50% sum insured 20% NCB of a 100% sum insured 20% NCB of a 100% sum insured
Overseas treatment None None Available.

 

Why Royal Sundaram Health Insurance?

Here are some reasons why you should opt for insurance with Royal Sundaram:

 

  • They provide different plans of health insurances to choose from that can be renewed for a lifetime
  • Royal Sundaram Health Insurance has a very high claim ratio settlement which indicates that they have reverted a high number of claims every financial year
  • They provide top class customer service that also has online premium calculator, all-time helpline, easy and simple claim process, call back option and more leading to positive Royal Sundaram Health Insurance review
  • Royal Sundaram Health Insurance also provides additional health covers to choose from in order to enhance your insurance policies, such as critical illness cover and cash benefits
  • They have an online portal to take care of your insurance dealings, be it applying, claim processes or Royal Sundaram Health Insurance renewals