Royal Sundaram Health Insurance Renewal

Royal Sundaram Health Insurance is a part of Royal Sundaram General Insurance Company, which was earlier known as Royal Sundaram Alliance Insurance Company Ltd. One of the old and renowned private insurance companies in India, Royal Sundaram offers diversified health insurance products to benefit policyholders in their overall healthcare.

Claim settlement ratio 92%

NCB* 50%, up to 100%*

PED Waiting^# 36 months

Network Hospital 10,000+

Renew your policy on time to avoid additional costs

Our expert advisors will assist you in the process

Top Plans

Royal Sundaram Health Insurance Plan(s)	Plan Type	Entry Age

By renewing your Royal Sundaram Health Insurance policy regularly, you can avail of the myriad benefits the insurer offers as part of their health plans. To enjoy the uninterrupted policy coverage of the Royal Sundaram Health Insurance plan, you must renew the plan before expiry.

Steps to follow for Royal Sundaram Health Insurance Renewal Process

Online Process

Here are the steps to follow:

Go to the official portal of Royal Sundaram Health Insurance Company
Go to the ‘Insta renew’ option on the home page
Select the product to be renewed. In this case, select ‘health’
Now, you can choose an option to proceed further from the given options, such as registered mobile number, registered email ID, and policy number
As per your choice, you must provide the registered mobile number/email ID/policy number and expiry date in the space given
On the screen that appears, you can glance at the policy details you want to renew and the premium amount
stated. You should verify the information for accuracy
If all information is accurate, you can now proceed with the payment of your health insurance renewal plan

A confirmation will be sent to your registered mobile/email ID once the Royal Sundaram health insurance renewal online payment is done successfully.

Offline Process

Looking at the diverse needs and feasibility of the policyholders, Royal Sundaram also provides offline renewal of their insurance plans. For offline renewal, you can call 1860-425-0000, the toll-free number of the Royal Sundaram Health Insurance Company, to inform and get support on the renewal process. You may also pay a quick visit to the closest branch of the insurer to make the Royal Sundaram health insurance renewal payment for your plan.

Benefits of Timely Renewal of Royal Sundaram Health Insurance Plan

Uninterrupted Coverage – If you renew the Royal Sundaram Health Plan regularly, you will enjoy uninterrupted coverage for a lifetime and can enjoy all the coverage benefits under the plan during health emergency
Tax Benefits – Like in other insurance policies, you are entitled to tax benefits under the Royal Sundaram Health Insurance Plans u/s 80D of the IT Act. This can be availed only if you pay your health insurance premium and avail of the renewal option to allow continuous coverage
NCB Protection – If you have accumulated NCB or No Claim Bonus under your health insurance plan, you can safeguard it by renewing the policy before expiry. You may also avail of an online renewal discount in the process
Low Premium rates – Renewing your policy before expiry also allows the policyholder of the Royal Sundaram Health Insurance Plan to avoid paying a higher premium with fines.

Common Renewal Issues and Solutions

Increased Premium Changes

This is one of the most common renewal issues faced by health insurance policyholders at the time of policy renewal. Inflation in the healthcare sector causes the rise in premium rates of most insurance policies, including health plans. To avoid this situation, you can buy multi-year policies for health insurance plans so that the premium remains the same for the chosen years.

Further, you can even re-evaluate your plan and choose a health insurance policy to suit your needs and your pocket. You should also renew the plan before its expiry to take advantage of the timely renewal discounts.

Policy Lapses

Not renewing a policy on time or even during the grace period of 15-30 days makes the policy lapse. If your policy lapses, you will lose the benefits associated with it, such as accumulated NCB. However, your insurer gives you the option to reinstate a lapsed policy by paying a certain fine. You may get in touch with the customer support team of the insurer for the same and follow the advised process.

Add-on

Generally, insurance policyholders buy add-ons with their health insurance policies for an extra cushion of coverage. Policy renewal is the time to reconsider the add-ons and eliminate the ones you may not need while keeping or adding the ones you require.

Choose health Insurance Companies For Renewal

Star Health Insurance Renewal

Care Health Insurance Renewal

Aditya Birla Health Insurance Renewal

HDFC ERGO Health Insurance Renewal

Niva Bupa Health Insurance Renewal

Tata AIG Health Insurance Renewal

ICICI Lombard Health Insurance Renewal

Bajaj Allianz Health Insurance Renewal

Tips for a Smooth Renewal

Let us take a look at some tips to renew your Royal Sundaram health insurance policy smoothly without penalty:

Make sure to keep track of the policy information, including the renewal date
You may prefer the automatic debit option to pay the Royal Sundaram health insurance policy premiums on time
You may take the help of your insurer and seek reminders from them by email or SMS
You may also stay in touch with the customer support of your insurer to renew your policy on time

Conclusion

Renewing your health insurance policy regularly before expiry is important if you want to enjoy the coverage and related benefits of your health policy. For renewal, you must adhere to the dates mentioned in the policy document and renew the plan before the expiry date. If in case you miss the last date of renewal, you can still get it renewed within the grace period of 30 days. However, missing the grace period for online renewal of Royal Sundaram health insurance may make you lose all the benefits of the plan, and you will not be able to file a claim.

Frequently asked questions

The Royal Sundaram Health Insurance policy renewal can be done before 45 days of the policy expiry date.

If a policyholder misses the Royal Sundaram renewal health insurance grace period, it will cause the policy to lapse. In that case, you will not be able to access your health plan's benefits or file a claim.

Yes, you can renew your health plan even if you had filed a claim in the previous policy year. However, you may lose the NCB or the No Claim Bonus accumulated in your policy by filing a claim.

Generally, you do not need a medical check-up to renew your Royal Sundaram Health Insurance plan unless there have been some significant changes in your health condition.

A grace period of 30 days is allowed under the health insurance plans of Royal Sundaram Health Insurance Policy.