Royal Sundaram General Insurance Company Limited


12 min read

About Royal Sundaram General Insurance Company

The very first private general insurance company in India, Royal Sundaram General Insurance Company Limited was licensed by Insurance Regulatory and Development Authority of India in 2008 as Royal Sundaram Alliance Insurance Company Limited. Royal Sundaram General Insurance Company is a joint venture between Ageas Insurance, Sundaram Finance and other Indian stakeholders with 40%, 50% and 10% stake respectively. 

The company offers innovative general insurance products to business, families and individuals both directly as well as through it partners and intermediaries. It offers all products across the insurance sector ranging from health, motor, personal, accident to marine, fire, liability & business and engineering insurance. 

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Some key highlights of Royal Sundaram General Insurance

The highlights of the company are as follows:

Gross Direct Premium Rs 2,822 Cr in F.Y 2020-21
Employees 2000+ employees 
Branches 159 branches across India
Customers 28 million customers across India

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Royal Sundaram Awards and Achievements

In its journey to become the best insurance provider in private sector and to become a one step solution for all the insurance needs, Royal Sundaram has achieved various awards and accolades. Some of them are highlighted as follows: 

  • Royal Sundaram won the ‘ET Award’ in 2020 for Prompt GI Compact Category in the Health Segment by Economic Times.
  • Royal Sundaram was awarded the ‘Best BFSI Brands of 2021’ for its innovative, affordable and accessible products. 
  •  The company received ‘The Celent Model Insurer Asia Award’ for 2013 & 2014 for its excellent claim management system. 

Features of Royal Sundaram health insurance plans

Some of the common coverage benefits of Royal Sundaram health insurance plans are as follows –

Coverage benefit Description 
Hospitalisation cover  If you are admitted to a hospital and you stay for 24 hours or more, the expenses incurred would be covered 
Pre hospitalisation cover Before you are admitted to a hospital, if you incur medical expenses on the diagnosis and treatment of the illness or injury, such expenses would be covered up to a specific number of days
Post hospitalisation expenses After you are discharged from the hospital if you incur medical expenses on recovery, such expenses would be covered for a specific number of days
Ambulance expenses  If you need an ambulance when being admitted to a hospital, the cost of the ambulance would be covered up to specified limits
Organ donor cover If you receive organs from a donor, the hospitalisation cost of the donor and the cost of treatments for harvesting the organ would be covered
Daycare treatments If you are admitted to a hospital wherein the treatment takes only a few hours, such hospitalisation would be covered even when you are not admitted for 24 hours
AYUSH cover Many plans of the company allow coverage for non-allopathic treatments that include Ayurveda, Unani, Siddha and Homeopathy 
Domiciliary treatments  If you are treated at your home because there are no empty hospital beds or because you cannot be shifted to the hospital in your condition, the underlying medical expenses would be covered 
Free health check-ups Royal Sundaram plans allow free health check-ups at specific intervals so that you can monitor your health regularly 


Exclusions in Royal Sundaram health insurance plans

Royal Sundaram health insurance plans do not cover all types of medical expenses that you might incur. Though the plans are comprehensive, some claims are beyond the scope of coverage. The actual instances which Royal Sundaram plans do not cover vary across plans. However, some of the common exclusions found in most plans are as follows –

  • Illnesses occurring within the first 30 days of buying the policy 
  • Specific illnesses are not covered within the first 2 years
  • Pre-existing conditions are excluded from coverage during the specified waiting period
  • Cosmetic treatments and medical unnecessary expenses are not covered
  • Sexually transmitted diseases, HIV, AIDS and the like are excluded from coverage
  • If you avail of treatments against the doctor’s recommendations, the cost of such treatments would not be covered
  • Claims due to war, mutiny, nuclear perils and chemical contaminations are excluded
  • Claims due to self-inflicted injuries, breach of law, alcohol or drug addiction are not covered
  • Claims due to participation in hazardous or adventure activities would be excluded 
  • Unproven or unscientific treatments are not covered 

Royal Sundaram health insurance plans

As mentioned earlier, Royal Sundaram offers a range of health insurance plans. Some of its leading plans that are also available on PayBima are as follows –

1. Lifeline Classic

A simple and basic health insurance plan which allows comprehensive coverage, Lifeline Classic boasts of the following features –

  • Sum insured reload benefit

If you use your sum insured, partially or fully, on a previous claim within the same policy year, the policy would restore 100% of the sum insured back for any subsequent claim that you suffer. So, in the case of multiple claims, you don’t have to worry about your coverage running out.

  • Vaccination for animal bites

If you get bitten by an animal, the cost of vaccination would be borne by the plan.

  • No claim bonus enhances the sum insured

If you don’t claim your policy, the sum insured increases by 10% as a no claim bonus. This bonus accrues every year and you can accumulate an enhanced sum insured, free of cost, up to a maximum of 50% of the basic sum insured.

  • Health check-ups after every 2 years

After every second consecutive renewal, you can avail of free health check-ups. The list of check-ups is specified under the plan and you can avail of such check-ups free of cost.

2. Lifeline Supreme 

A more comprehensive version of the Lifeline plan compared to the Classic variant, Lifeline Supreme has the following coverage benefits allowed in addition to the benefits available under the Classic Plan –

  • Enhanced no claim bonus

For every claim-free year, you get a no claim bonus of a 20% increase in the sum insured. You can enjoy up to a 100% increase in the sum insured if you don’t make any claim for 5 consecutive years.

  • Emergency domestic evacuation

In the case of life-threatening medical emergencies, coverage is allowed for domestic evacuation if you are to be shifted to another hospital or city.

  • Annual health check-ups

You can avail of free health check-ups every year after you renew the policy. 

  • A second opinion for critical illnesses

Lifeline Supreme covers 11 specific critical illnesses. If you are diagnosed with any of these illnesses, you can avail of a free medical second opinion. 

3. Lifeline Elite

This is the most comprehensive Lifeline variant which enhances the coverage available under the Supreme variant. The unique coverage benefits of this variant are as follows –

  • Worldwide emergency hospitalisation

You can get coverage for international hospitalisation, anywhere in the world except USA and Canada. The cost of such hospitalisation would be covered under the policy provided it is due to an emergency medical condition. 

  • International treatment for critical illnesses

11 critical illnesses are covered by the policy. If you suffer from any of the covered illnesses, you can avail of international treatments for them. Such international treatments, availed in any country except USA and Canada, would be covered by the policy

  • Maternity cover

Maternity coverage is allowed as an inbuilt benefit under the policy. Under this coverage, the cost of childbirth, coverage for the newborn baby and the cost of the baby’s first-year vaccinations are covered.

  • Coverage for OPD treatments 

Doctor’s consultations and diagnostic tests that are taken on an outpatient basis, i.e. without being admitted to the hospital, are covered under the policy. You also get coverage for the cost of hearing aids, spectacles, contact lenses and dental treatments for up to 30% of the coverage allowed for OPD treatments 

Comparative analysis of Royal Sundaram health insurance plans

Here is a comparative table underlining the coverage benefits and eligibility of all the three plan options –

Detail  Lifeline Classic Lifeline Supreme Lifeline Elite
Inpatient hospitalisation Covered

Up to the sum insured


Up to the sum insured


Up to the sum insured

Pre and post hospitalisation 30 and 60 days 60 and 90 days 60 and 180 days
Daycare treatments Covered

Up to the sum insured


Up to the sum insured


Up to the sum insured

Ambulance cover Up to Rs.3000 Up to Rs.5000 Up to Rs.10,000
Domiciliary hospitalisation Covered

Up to the sum insured


Up to the sum insured


Up to the sum insured

Organ donor cover Covered

Up to the sum insured


Up to the sum insured


Up to the sum insured

Sum insured reload Available 

100% of the sum insured


100% of the sum insured


100% of the sum insured

No claim bonus 10% of the sum insured up to 50% 20% of the sum insured up to 100% 20% of the sum insured up to 100%
Vaccination for animal bite Up to Rs.2500 Up to Rs.5000 Up to Rs.7500
AYUSH treatment Government hospitals – up to the sum insured

Private hospitals – up to Rs.20,000

Government hospitals – up to the sum insured

Private hospitals – up to Rs.30,000

Government hospitals – up to the sum insured

Private hospitals – up to Rs.50,000

Emergency domestic evacuation Not covered Up to Rs.1 lakh Up to Rs.3 lakhs
Worldwide emergency hospitalisation  Not covered Not covered Up to 50% of the sum insured, subject to a maximum of Rs.20 lakhs
International treatment for critical illnesses Not covered Not covered Up to the sum insured

Airfare – up to Rs.3 lakhs

Health check-ups  On second renewals Annually  Annually 
Second opinion for critical illnesses Not covered Available once every policy year Available once every policy year
Preventive healthcare and wellness benefits Available  Available  Available 
Maternity cover Not available  Not available  Rs.2 lakhs to Rs.2.5 lakhs

Newborn baby cover – Rs.6.25 lakhs to Rs.37.5 lakhs

First-year vaccinations – up to Rs.10,000

OPD treatments Not available  Not available  Up to Rs.10,000
Sum insured levels Rs.2 lakhs to Rs.4 lakhs Rs.5 lakhs to Rs.1 crore Rs.25 lakhs to Rs.1.5 crores
Pre-existing waiting period 48 months 36 months 24 months
Entry age  Adults – 18 years onwards

Children – 91 days to 25 years

Policy term 1 to 3 years


How you can buy Royal Sundaram Health Insurance Plan?

Royal Sundaram Health plans are available online in a very simple manner through PayBima offers a very smooth and hassle-free buying experience with the benefit of easy comparison to select the most suitable plan. The process to buy Royal Sundaram health plans is as follows:

  • Visit PayBima website

Go online and visit the official website of PayBima or just click on and then select the option ‘Health Insurance’

  • Fill in relevant details to calculate the premium

PayBima helps you find health plans based on your requirements. Once you select ‘health insurance,’ PayBima will ask you to fill a form with certain personal as well as medical details to assess your coverage requirements. Details such as your age, gender, number of dependents, location PIN code, lifestyle habits, pre-existing illness, sum assured, etc. are to be filled in. Then, provide your contact number to get personalized consultation from PayBima which will help you in buying a suitable health plan easily. 

  • Compare the plans

No sooner do you submit your requirements and details, a list of health plans will be displayed with their features and premium. You will find all the leading health plans with their key highlights and features. You can easily compare the coverage of the plans vis-à-vis the premium and select one which best suits your requirements at an affordable premium. 

  • Fill and submit an online proposal form

The proposal form is an application to the insurance company to issue you the selected plan. After finalizing your health plan, fill the proposal form correctly and completely. Then, affix your signature and submit it online. 

  • Pay policy premium

Payment of premium is the last step of buying a health plan. You can easily pay the premium online through secured payment modes offered by PayBima. Once you make the payment the policy will be issued instantly provided there are no adverse declarations about medical illness and lifestyle habits in the proposal form. 

  • Pre-issuance medical check-up

Based on the sum insured, your age, lifestyle habits, existing illness, medical history and health conditions, you might have to undergo a pre-entrance health check-up. You can avail of pre-entrance check-ups at the insurer’s networked facility.   

How to Renew Royal Sundaram Health Insurance plans?

PayBima offers the facility to not only buy a health plan but also to renew it. Health insurance policies come with lifelong renewal benefits. As such, if you renew your Royal Sundaram health insurance plan within the due date of the plan, you can enjoy non-stop coverage benefits. 

Renewal of a health plan is an online process in which you just have to provide your policy number and other details of the policy, pay the premium and your policy will be renewed instantly. You can also check the coverage and other details of your plan and make changes to it if required. You can also add riders with your plan at the time of renewal. For any help renewing your Royal Sundaram health insurance plan, you can call PayBima at 1800 267 6767 or drop a mail at  

How you can claim the Royal Sundaram Health Insurance plan?

Claiming your Royal Sundaram Health Insurance plan is very simple and easy. PayBima provides a hassle-free claim settlement experience to its customers in which the entire process can be done online. The claim process of the Royal Sundaram health insurance plan through PayBima is discussed as follows: 

  • Locate the nearest network hospital

The first step is getting admitted to a network hospital after locating one nearest to your place. You can locate a network hospital either on the website of the insurance company or by contacting PayBima. Royal Sundaram General Insurance has tie-up with leading hospitals in the country making it easy to avail cashless facilities. You can get admitted by showing your identity and health card issued by Royal Sundaram.

  • Intimation to the company through the pre-authorisation claim form

You should fill and submit a pre-authorisation claim form to inform the company of your claim. Fill in the details such as your name, diagnosis, date of hospitalisation, hospital and treating doctors’ details and submit it at least 48 hours before your planned hospitalisation or within 24 hours after hospitalisation in case of emergencies. 

  • Cashless Approval

Royal Sundaram will check your coverage according to your eligibility and then approve a cashless authorisation letter to the concerned hospital within three days after which the hospital will proceed with your treatment. All the bills will then be paid directly to the hospital by the insurer. However, if the insurance company rejects the cashless settlement of the claim, you can opt for a reimbursement claim facility. 

  • Reimbursement claims

If you are hospitalised in a hospital that does not have a tie-up with Royal Sundaram or if the cashless claim has been rejected, you can claim on a reimbursement basis. In such cases, you will have to pay all the bills. After discharge send a duly filled claim form along with all original bills and relevant documents to the insurer within 30 days. On receipt of claim documents, Royal Sundaram will reimburse the cost incurred. 

You can call PayBima at 1800 267 6767 to help you with the easy settlement of the claim. You can also drop your query in an email at and our executive will resolve your query.

List of documents that are required to make a successful claim of Royal Sundaram health insurance plan:

  • Duly filled original claim form with signature
  • Doctor’s prescription recommending hospital admission.
  • Original hospital and pharmacy bills
  • Valid Identity proof
  • Diagnostic test reports and consultation note
  • Pre-authorisation claim form in cashless claims
  • Bank mandate of Insured for payment of reimbursement claims

Royal Sundaram Health Insurance Review

Royal Sundaram health insurance plans are quite innovative and comprehensive in their scope of coverage and competitively priced. Other highlights of its health plans include:

  • Royal Sundaram General Insurance is the first insurance company to introduce the cashless settlement mode for health claims and innovative health products like hospital cash.
  • Royal Sundaram general insurance company offers specially designed and customised products to rural and small and medium enterprises. 
  • The company is the first insurance provider that has long-standing tie-ups with various NBFCs and reputed banks making it a pioneer in the bancassurance segment 
  • The company’s health and the accident claims process was certified as ISO 9001-2015 for its effective customer service and customer satisfaction.

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FAQs on Royal Sundaram General Insurance Company

Would I get any tax benefits on the premium that I pay for the policy?

Yes, the premium paid for Royal Sundaram’s health insurance policy would be allowed as a deduction under Section 80D. You can claim a deduction of up to Rs.25,000 if your age is below 60 years. For senior citizens, the limit is Rs.50,000. If you insure your parents, you can claim an additional deduction. The deduction is Rs.25,000 if your parents are below 60 or Rs.50,000 if their age is 60 years or above. 

What is the maximum entry age?

There is no maximum entry age. Individuals of all ages can invest in the Lifeline policy.

Are optional covers available with Royal Sundaram health insurance plans?

Yes, a range of optional coverage features is available with Royal Sundaram health insurance plans. The coverage benefits would depend on the policy that you choose.

How many members can be covered under a floater plan?

You can cover a maximum of 2 adults and 5 children under the policy. 

What discounts are available for reducing the premium outgo?

Firstly, if you live in a city that falls under Zone 2, you get a flat discount of 15% on the premium. Thereafter, discounts are allowed if you buy a multi-year policy. The discount is 7.5% for buying a 2-year policy and 12% for buying a 3-year policy. Employees of the Sundaram group can enjoy an additional 5% discount.

Also read: Keyman Insurance Policy – A detailed guide on benefits and eligibility criteria for keyman insurance | Why Would it be Wrong to Look at Insurance as a Mere Tax Saving Tool? | Differences Between Life Insurance and General Insurance?

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Jan 17, 2022
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PayBima is an Indian insurance aggregator on a mission to make insurance simple for people. PayBima is the Digital arm of the already established and trusted Mahindra Insurance Brokers Ltd., a reputed name in the insurance broking industry with 17 years of experience. PayBima promises you the easy-to-access online platform to buy insurance policies, and also extend their unrelented assistance with all your policy related queries and services.

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