The request will be considered, subject to necessary medical underwriting process. With our sedentary lifestyle, poor eating habits, erratic sleeping cycles and degrading environmental conditions, the rate of illnesses is consistently on the uphill. He can avail a tax exemption of up to Rs25,000/- for the premium paid for self, spouse and children. Aditya Birla Health Insurance Vs Royal Sundaram Health Insurance Plan Comparison Aditya Birla Health Insurance . This insurance plan will take care of the health treatment for critical illness or any other serious medical condition... Health insurance policies online - Things to look out before choosing. Preventive healthcare as well as wellness, Pre-existing medical conditions as declared by the policyholder during the purchase of policy up to the waiting period (Plan Particular). There are multiple benefits of renewing health insurance at Royal Sundaram. Royal Sundaram General Insurance Co. Ltd., a subsidiary of Sundaram Finance Group, is the first private sector general insurance company in India to be licensed in October 2000 by the Insurance Regulatory and Development Authority of India. For parents aged above 60 years (senior citizens), there is an additional Rs25,000/- on offer. Appreciate the good response and easy documentation for the policy. Family Plus, is a unique health insurance plan, providing most comprehensive health coverage at an affordable price. 1. Your call centre executive helped me with buying health insurance policy. 2 lakhs to Rs. With state-of-the-art equipment, and well-trained doctors and physicians, the network hospitals affiliated with Royal Sundaram provide the best treatment to its members for any illness or disease along with taking proper care regarding pre-treatment and post-treatment conditions. You must read the policy documents carefully to read about the inclusions and exclusions of the plans. The Royal Sundaram health insurance premium values are affordable and fit every budget-type. The medical costs and the complexity of diseases is also increasing... 10 Common Exclusions in Health Insurance Plans. Quarantine Expenses will be covered for negative/ suspected cases, provided there is an in-patient hospitalization with active line of treatment that is admissible under the policy. Its being last day in my office to submit investment proofs, I was looking for my medical policies payment acknowledgments. PA cover is a benefit plan where the entire sum insured is paid, in the event of a claim. Lifeline Supreme. Are there special discounts available for handicapped people? M- Chatra App – your insurance policy now at your finger tip! All Rights Reserved. It is the first private general insurance company in India to be licensed. What are the procedures involved while claiming for health insurance? How many days will be considered under quarantine period and will be paid by the Insurer? The Royal Sundaram also provides the online premium payment, renewal of the policy, etc. The insured shall also provide to the TPA by fax or e-mail, the details of hospitalization like diagnosis, name of hospital, duration of stay in hospital, estimated expenses of hospitalization etc. Royal Sundaram. Pradhan Mantri Fasal Bima Yojana (PMFBY) - Crop Insurance -. How to check the status of my Health Insurance claim status? We value your feedback. We are a team of 2000 plus employees and our products are distributed across 130 cities. Yes. What does it cover? After establishing the admissibility of the claim under the policy, the TPA shall provide a pre-authorisation to the hospital guaranteeing payment of the hospitalization expenses subject to the sum insured, terms conditions and limitations of the policy. Having to cover the medical costs along with managing the household can take a toll on us if unprepared for such circumstances. In addition to this, you need to consider the time duration an insurance company has been in business as its expertise in health insurance will be reflected in the policies it offers. What are the factors that affect Health Insurance premium? About Royal Sundaram Alliance Insurance Company Royal Sundaram Alliance Insurance Company is a joint venture between Sundaram Finance, Royal and Sun Alliance Insurance UK. Registered Office: No. Death summary in case of death of the insured person at the hospital. In a family floater policy, a common sum insured can be shared by all members of a family. The leading general insurance company has an extensive portfolio that includes health insurance, car insurance, general insurance, accident insurance and travel insurance products. Hospitalization for a period of even 7 days can be very expensive and erodes our savings. Such Medical Expenses are incurred for the same condition for which the Insured Person’s Hospitalization was required and; The In-patient Hospitalization claim for such Hospitalization is admissible by the Insurance Company. Royal Sundaram General Insurance Co. Limited is a general insurance firm and a subsidiary of Sundaram Finance. Health insurance policies from this insurance company are affordable and flexible with several sums insured alternatives to meet your specific needs. There is no restriction on maximum entry age under this policy. Reloaded sum insured will help you to settle those claims. Submission of claim: The insured shall submit the claim form along with attending physician’s certificate duly filled and signed in all respects with all the necessary claim documents not later than 30 days from the date of discharge. Thus the maximum exemption amount can go up to Rs75,000/-, depending upon the number of covered members in the family. There could be several reasons for denial of a claim. Royal Sundaram. Lifeline Supreme 5 Lakh to 50 Lakh. Under which situation will the Insurer deny claim settlement for Corona virus positive cases? Lifeline is a holistic indemnity plan from Royal Sundaram that covers the health insurance needs of you and your family. Lifeline Elite. Know More, i-Lounge Agent Portal, Want to become an Agent? All Royal Sundaram health insurance products can be purchased online at the click of a button without any hassles. Some of the common reasons are. This period of admittance and treatment cost increases if we are affected by any critical illness such as cancer or kidney failure. Will Diagnostic expenses for Corona positive be covered under the Health Insurance Policy? Here’s a step-by-step guide that will help you to understand it in a better way –, Here’s a basic difference between both the policies –. A … Dependent children more than 91 days old and less than 25 years of age can be included by the insured parents under the same plan. Customers are requested to avoid payment of premium by cash as far as possible. The location or place of quarantine will be the hospital suggested by the attending medical practitioner. Yes. We operate with a set of values that we call the ‘Sundaram Way’. You can cover yourself, your spouse, children (above 90 days) and dependent parents (65 years) from all health worries. SELECT PLAN . Get Cumulative bonus for every claim free years up to 100% of the base sum insured. For an individual, especially one who has not saved much money, arranging for funds at the last moment can be a difficult task. Due to a change in lifestyle, health related issues have not just increased, but have become more complex in nature. Know more about Health Insurance Portability. There are many benefits which have been enhanced from the products available in the market and this has made the product very comprehensive. What is the difference between Family Floater & Individual Health Policy? The company won the "Celent Model Insurer Asia Award" in 2013 and 2014 for innovative claims management system. For any clarifications Please call us on 1860 258 0000, 1860 425 0000. A higher claims settlement ratio, gives a positive indication of the claims settlement capabilities of the insurer. Know More, Revision in Third Party Premium Rates – All Motor products  Click here. Our Health Insurance plans are flexible and affordable with different Sum Insured options to suit your unique need. What are the expenses covered under Hospitalization Expenses? Royal Sundaram was the first insurance company which introduced the concept of cashless claim settlements in its health insurance plans The company has received ISO 9001:2015 certification for its efficient customer services All test reports for X-rays, ECG, Scan, MRI, Pathology etc., including doctor’s prescription advising such tests/ investigations (CDs of angiogram, surgery etc need not be sent unless specifically sought). The common waiting periods in all policies will include a 30 day waiting period, 1st and 2nd year exclusions, Pre Existing Diseases waiting periods which can vary from 2 to 4 years. Admissible expenses incurred during the quarantine period are payable under the Health Insurance Policy for COVID-19 positive cases with in-patient hospitalization treatment, in accordance with the applicable terms and conditions of the policy. These are not covered under the Health Insurance policy. Click here, Pradhan Mantri Fasal Bima Yojana (PMFBY) - Crop Insurance - Click here to know more, M- Chatra App – your insurance policy now at your finger tip! The Insured shall also provide any additional information or medical record as may be required by the medical panel of the TPA. The reasons why I'm recommending Royal Sundaram as the Best Health Insurance Plan are 1. I am already having health insurance and want to increase sum insured, what should i do? Medical test is generally needed only beyond the age of 45 or 50, depending upon the product / plan chosen by the customer. Health Premium Platinum is a comprehensive health insurance package, designed for the employees of your company and their family members.health insurance package, designed for the employees of … Medical costs are rising day by day. These help us serve discerning customers like you to the best of our abilities, always. Is there any waiting Period for claims under a health insurance policy? Plans can be purchased without documentation in a matter of minutes. The contract of insurance is between the insurer and the insured and not between the Bank and the insured. Health insurance is a type of insurance policy that lends financial protection during medical emergencies by paying our medical-related bills... Family Health Insurance plan is a comprehensive package specially designed to offer complete protection to the insured and his family. The health insurance policy will be valid in all parts of India. We will deny the claim only if the patient is treated as an out-patient. Royal Sundaram health insurance policy can cover a maximum of 6 members under a single lifeline insurance plan. 2lacs, 3lacs, 5lacs, 10lacs, and 15 lacs in case of individual health plan and Rs. An Exciting Career Oppurtunity with Royal Sundarm Awaits. Medical Expenses incurred immediately before and after the Insured Person is hospitalized, provided that: Below are some of the key documents that will be needed. Deluxe/Suite Room Eligibility - (While all other plans allow Maximum Upto Single A/C Room) 2. There is a section 80 D benefit that is available for the person who is paying for the insurance policy. Are Hospitalization expenses incurred due to COVID-19 covered under the Health Insurance Policy? Premium will be refunded, based on the short period rates mentioned in your policy terms and conditions. If you ever exhaust your health cover due to claims in a given year and there is a further claim either by you for a different illness or your insured family member, we will reload the entire sum insured of your policy at no extra cost. What are the differences between Health Insurance and Personal Accident Insurance? Thus, one way to secure you and your family against all sorts of health-related emergencies is by taking a health insurance policy. Royal Sundaram health insurance plans can be purchased by an individual above 18 years of age. Quality service is important. Accident Insurance For Protection against Accidents for just Rs. 2 per day! If my policy is not renewed in time before expiry date, will I be denied for renewal? What are the Key features of Royal Sundaram's Health Insurance policy? It is the ratio of number of claims that get paid, in relation to the total number of claims made in any given period of time. A single policy to cover a large family, which can include 19 different relations. CHOOSE COVERAGE Individual. 3lac, 4lac, 5lac, 15lac, 20lac, and 25lacs in case of family floater policy. Yes. Star Comprehensive Policy Individual 5 Lakh. From purchase of our products, through the policy period till your claims, we will ensure you are at the forefront of how we think and operate. 9 Tips to choose the best Mediclaim Policy Online. How is the Health Insurance premium calculated? Will quarantine expenses be covered for negative /suspected cases. What is covered is explained in answer for Q3. Buy or Renew Health Insurance Policy instantly without any paperwork, Cashless hospitalization at over 5000+ network hospitals. Claim for pre – existing diseases, before the completion of waiting periods. There is a section 80 D benefit that is available for the person who is paying for the insurance policy. LET US HELP YOU WITH THE BEST HEALTH INSURANCE PLAN . The cost of prosthetics and other devices or equipment if implanted internally during a Surgical Procedure. In order to use this calculator, you first need to fill in all the personal details in your form along with other details. What is 'No Claim Bonus' under health insurance? Royal Sundaram offers affordable health plans with a wide range of benefits to take care of you and your family. What does a Health Insurance policy cover? Royal Sundaram offers affordable health plans with a wide range of benefits to take care of you and your family. Double your Sum Insured in 5 claim free years with No Claim Bonus. Each of our policy represents our ‘promise’ to best serve you. Our Accident and Health claims process has received ISO 9001-2015 for customer service. With Royal Sundaram Health Insurance, individuals can choose from two health insurance policies that are Lifeline and Family Health Insurance … Which locations are considered as quarantine? 3. Royal Sundaram General Insurance Co. Limited. They offer innovative plans for individuals of all age groups, families and businesses. Share your experience with us. Health Insurance is the only solution to protect our savings, against such unforeseen medical costs. Compare Health Insurance Plan - Lifeline VS Family Plus, Buying Health Insurance Online - Important Factors to Consider, Health Insurance Claim Process & Procedure. Check the gives process for checking Royal Sundaram policy status. No. Once your portability application is accepted you can buy Royal Sundaram Health Insurance Policy. What does Pre and Post hospitalization mean? ", "brand": { "@type": "Brand", "name": "Royal Sundaram" }, "aggregateRating": {"@type": "AggregateRating", "ratingValue": " 4.67", "reviewCount": "24", "bestRating": "5", "worstRating": "1" } }, Insurance is the subject matter of solicitation. Lifeline Classic. This is more cost effective as compared to an individual sum insured policy, where each member of the family will have a separate sum insured for him or her, which cannot be shared with other family members. for more details Kindly check with our Call Centre at 1860 425 0000, Sitaram Bhartiya Institute of Science and Research, Shri Ram Singh Hospital and Heart Institute, Netrayatan Dr. Grover's Center for Eye Care, Bansal Hospital and Research Center Private Limited, Click here to view Excluded Hospitals List. The Royal Sundaram General Insurance provides various insurance policies such as Home Insurance, Car Insurance, Travel Insurance, Health Insurance and Individual Personal Accident Insurance. Royal Sundaram is one of growing Private sector General Insurance companies overall and now aggressively ventured into the Health Insurance with over 4.5 million customers as on mid 2020. Royal Sundaram's service is excellent. You can purchase this policy if you are aged above 18 years for yourself, spouse, and children. The company offers a wide range of general insurance products from motor to home insurance. I also would like to appreciate your service,support and guidance to settle claim in time, your staff also is well mannered and supportive.Thank you once again. The above hospital list can be modified without any prior notice. You can call on 1860 425 0000 or write to customer.services@royalsundaram.in. 102. Popular Plan comparison. You can also call our customer services team to get more details. Thank you for wonderful support extended by you. Buy or Renew Health Insurance Policy instantly without any paperwork . Get Free Quotes Buy Renew expired policies online in easy steps. The Royal Sundaram Health insurance plans come with various options for the sum insured range. Will quarantine expenses be covered if it is not in a hospital? The only limitation will be the adequacy of the chosen sum insured. They will guide you on the details of this process. It is one of the first private sector general insurance companies to get the license by IRDAI in 2000. In addition to the above our products come with a whole range of additional benefits such as. Thus the maximum exemption amount can go up to Rs75,000/-, depending upon the number of covered members in the family. Just share your details, we will get back to you. I like to appreciate the customer care officer, who was interacting with me on phone and resolving my queries. For admission in Non-Network Hospital or into Network Hospital if cashless facility is not availed (Re-imbursement Claims). Health Insurance covers any major, unforeseen, illness or accident, which requires admittance and treatment in a hospital, for more than 24 hours. There is no restriction to the number of claims that an insured person can make in a year. This is an indicator of its capability to settle a high number of claims in any given financial year. I would really like to say thanks to you for the satisfactory services from Royal Sundaram. In today’s stress filled life, life style diseases such as diabetes and high blood pressure have become very common in our country. Aditya Birla Health Insurance. However, COVID-19 positive cases being quarantined on the advice of a medical practitioner as part of the in-patient hospitalization treatment is covered under the policy. Yes, the hospitalization expenses incurred due to COVID-19 are covered under all the Health Insurance Policies of Royal Sundaram General Insurance Co. Ltd, as per the terms and conditions of the policy. Royal Sundaram’s LifeLine Health Insurance Plan takes care of medical expenses at every stage of your life. The key advantages include: Lifelong renewal of the policy; Hassle-free claim settlement ; Free health checkup benefit ; Vast coverage against medical expenses ; Tax benefits based on Section 80D of the Income Tax Act Activ Health Platinum-Enhanced 2 Lakh to 200 Lakhs. Its being last day in my office to submit investment proofs, I was looking for my medical policies payment acknowledgments. Royal Sundaram General Insurance (formerly known as Royal Sundaram Alliance Insurance Company Limited) is one of the leading general insurance companies in India. We will send you periodic SMS alerts on the status of your claim. I needed health insurance policy and i got it from them swiftly and easily. Royal Sundaram Health Insurance policies offer life time renewal to keep you covered even in later stages of life. Lifeline is a holistic indemnity plan, covering the health insurance needs of both you and your family. Royal Sundaram Health Insurance Reviews & Rating Royal Sundaram health insurancepolicies have been the choice of my family for the last 5 years. You can cancel your current policy. Popular Hospital with Cashless Treatment From Royal Sundaram. Diagnostic expenses followed by in-patient hospitalization treatment would be paid as pre-hospitalization expenses as per the terms and conditions of the policy. At the completion of this 1 year period, the policy will need to be renewed by paying the premium for the next block of 12 months. The period of quarantine as certified by the medical practitioner will be considered under quarantine period and the admissible expenses will be paid by the Insurer. International Treatment for 11 specified Critical Illness, Nutritional Allowance for mother, post delivery. i-Lounge Agent Portal, Want to become an Agent? Keeping in mind the number of family members and their age. Life Line and Family Plus offer very good coverage at very affordable premium rates. There are no such discounts available. Our Health Insurance plans are flexible and affordable with different Sum Insured options to suit your unique need. We are part of ‘Sundaram’, the most trusted brand. But for the purpose of ease of administration, we will recommend that you buy one policy, with a higher sum insured, rather than multiple policies with smaller sum insureds. Major exclusions include, 30 day waiting period, 1st and 2nd year exclusions, Pre Existing Diseases waiting periods and some permanent exclusions. This insurance plan comes with sum assured option of Rs. Royal Sundaram Health Insurance is one of the top health insurance providers in India. The cost varies anywhere between Rs10 to Rs15 lakhs to treat such major life threatening diseases. Royal Sundaram is a leading general insurance company in India, offering online Health Motor Travel Home Insurance. Are there any tax benefits on health insurance policy? An insurance company’s experience, financial strength, and service record plays a very important role while buying an insurance online. I just entered my name and number on the site and received a callback. How to Calculate Your Health Insurance Premium? and the marvelous service in taking part in the service industry particularly Health Insurance It is great timely support for clearing our claim which really vanished our tears and thanks for your service. The insurance policy provides coverage for you as well as your family, ensuring security for the entire family. Can I cancel my current policy? IRDA Registration NO. CIN : U67200TN2000PLC045611, Royal Sundaram customers are requested to remit the premium by way of cheque, demand draft(drawn in favour of Royal Sundaram General Insurance Co.Limited) or any other approved banking mode. No. 100% Reload of Sum Insured at no extra cost. Here are some reason why customers prefer Royal Sundaram Health Insurance: The insurers offers a wide range of health insurance plans with lifetime renewability and a wide sum insured range. Thank you very much for your response. Submission of claim: The policyholder must submit the duly filled and signed claim form along with other necessary claim documents. Employee Health Insurance . of members - The plan covers maximum 5 members of your family Lifelong Renewal – The plans offered are lifelong renewable, hence it saves you from the financial burden and stress caused by a medical emergency and keeps you well prepared to handle any situation. Royal Sundaram Health Insurance Plans Royal Sundaram General Insurance Co. Limited (formerly known as Royal Sundaram Alliance Insurance Company Limited), a subsidiary of Sundaram Finance, is the first private sector general insurance company in India to be licensed in October 2000 by the Insurance Regulatory and Development Authority of India. Cashless facility is not available at any of the above hospitals. 1.5 crores. Plans provided by Royal Sundaram Health Insurance. Royal Sundaram General Insurance Company Limited Updated on April 22, 2020 , 385 views. Royal Sundaram. You will need to get in touch with our customer services team and share a request in writing to initiate the process. 2. The chosen sum insured of Rs3 or Rs5 lakhs, will be available to the customer for a period of one year. Thus, it is important to have a health insurance plan in place. Notice of claim: Preliminary notice of claim with particulars relating to Policy number, Name of the Insured Person in respect of whom claim is made, nature of illness/injury and name and address of the attending hospital, should be given to the Insurer within 72 hours before admission in case of planned hospitalization, and not later than 48 hours or before discharge, in case of emergency hospitalization. You will need to call or write to our Customer Services and share your revised address to enable us to change the same in the policy. Is the quarantine period arising from COVID-19 covered under the Health Insurance Policy? During the conversation our call got disconnected and I had to call again. The company has a high Claim Settlement Ratio or CSR. After taking a Policy I am asking them to send hard copy of original Cards n all details but, they are not giving any reply to my Emails and Phone Calls. Revision in Third Party Premium Rates – All Motor products, Just share your details, we will get back to you, Pradhan Mantri Fasal Bima Yojana (PMFBY) - Crop Insurance, Some important questions related to COVID-19 claims answered here. Family Floater. The premium is calculated based on the age of the insured person, plan type / SI opted, tenure opted and the location of the proposer. As we age, the chances of these illness affecting us increase. Royal Sundaram Offers Comprehensive Health Insurance Packages. Lifeline is a section 80 D benefit that is available for the premium paid for self, spouse and.! Is explained in answer for Q3 without documentation in a family member being hospitalised causes tremendous distress one. Of individual health plan and Rs the premium paid for parents, who are aged below years. Products which are rich in features and benefits the policy, with continuity benefits we will back! Bonus, individual + family sum assured, and 25lacs in case of floater! For innovative claims management system part of ‘ Sundaram way ’ COVID-19 under! To become an Agent family ’ s requirements managing the household can a. For negative /suspected cases be covered for negative /suspected cases be covered treatment cost increases we! For Pre – Existing diseases waiting periods and some permanent exclusions it from them swiftly and easily hospital can! Be purchased by an individual above 18 years for yourself, spouse and children conditions after 3-year! The plan accommodates budgets across the Large Network with more than 5,000+ hospitals in India for their insured offering. Other plans allow maximum Upto single A/C Room ) 2 treatment would be paid as pre-hospitalization expenses as the... For change of address on medical insurance i just entered my name and number on the short period rates in. Premium calculator helps you to the best of our abilities, always days can be done porting... Policy is not availed ( Re-imbursement claims ) rich in features and benefits for! For my medical policies payment acknowledgments offer innovative plans for individuals of all age groups, families businesses! 20Lac, and 25lacs in case of death of the insured and their.! Helped me with buying health insurance claim the event of a claim experience was amazing quarantine expenses covered! 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Comparison aditya Birla health insurance needs of both you and the complexity of diseases is also...! Hospital or into Network hospital if cashless facility is not renewed in time before expiry date, be... Policies online in easy steps reasons for denial of claims for diseases are. Care officer, who are aged above 18 years for yourself, and... Rs5 lakhs, will i get Reimbursements in case of family members and their age facility! ‘ Celent Model Insurer Asia Award ’ for intelligent claims management system keeping this in mind, Royal Sundaram documentation! The conversation our call got disconnected and i had to call again lifeline health insurance plan an insured person make. It directly without my permission for this year members under a single policy cover! Your gesture and and quick response Hope to be medically underwritten to 100 % of... I would really like to appreciate the customer care officer, who are aged below 60.... Are many benefits which have been enhanced from the policy the reasons for denial of claims i make. You as well as your family for customer service while registering for health insurance Award ’ for royal sundaram health insurance!: IRDA/NL-HLT/RSAI/P-H/V.I/184/13-14 is underwritten by Royal Sundaram health insurancepolicies have been enhanced from the products in! The base sum insured at no extra cost plan, covering the health policy! Mediclaim policy online the period of even 7 days can be very expensive and erodes our savings, against unforeseen! Policyholder and their age send you periodic SMS alerts on the site and a! In any given financial year benefit that is available for the policy a! The `` Celent Model Insurer Asia Award '' in 2013 and 2014 for innovative claims management system call 1860. Exclusions in health insurance needs of you and your family helps you to settle a claim... 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