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Insure Your Health From The Leading Private Sector General Insurance Company



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Royal Sundaram Alliance Insurance company limited was the first private institution that got licensed to provide general insurance in India. The company is completely owned by Indian shareholders and the Sundaram Finance since 2015.

Overview Of The Company's Products

Royal Sundaram provides insurance for vehicles, homes, businesses, travel and health. There are lots of advantages to buying Health Insurance from an established and respected company like this one. It has earned multiple awards in the past and continues to push forward to gain maximum customer satisfaction.

The products are not many, but they are sufficient to meet the needs. Here are some details from the Royal Sundaram Health Insurance Review

Plan name

Minimum sum insured or benefit

Maximum sum insured or benefit

Key features

Lifeline classic health plan

2 lakhs

4 lakhs

AYUSH treatment coverage of Rs.20,000 in private hospitals

Lifeline supreme health plan

5 lakhs

50 lakhs

No claim bonus starts from 20% of sum insured

Lifeline elite health plan

25 lakhs

150 lakhs

Treatment abroad covered for some critical illnesses

Smart cash plan

500 - silver

3000 - gold

5000 - platinum

3000 - silver

5000 - gold

10000 - platinum

180 days of hospitalization can be covered

Why To Buy Royal Sundaram Health Insurance?

The Lifeline and Smart Cash plans are available for individuals and as a family floater policy too. You can avail tax exemption under section 80D for all these Health Insurance plans.

There is a provision for Health Insurance portability, so if you have previously gained credit from some other company, it will not be wasted. Also, the buying process is easy. You can get a quote in minutes with the Royal Sundaram Health Insurance premium calculator based on your requirements.

From the Royal Sundaram Health Insurance hospital list, you can pick the one and get cashless treatment.

Features And Benefits

  • There is maternity cover for policyholders of Lifeline elite health plan
  • The platinum variant of the Smart Cash plan covers flight charges of a visitor
  • You get a cumulative bonus on the sum insured for every claim free year
  • The Royal Sundaram Health Insurance renewal can be done instantly online
  • There is a specialized plan, Individual Personal Accident Policy, which covers death and disablement by accident
  • The cashless network or the Royal Sundaram mediclaim hospital list includes more than 3000 hospitals
  • There is no Royal Sundaram Health Insurance premium chart available, but you can get a quote instantly by submitting your details

Who Is Eligible To Buy The Plans?

The family floater plan of Lifeline Health Insurance can be bought for six members of a family. Up to 4 children can be included. For the Smart Cash plan, any six dependent relations can be included along with the policyholder.

Anyone above the age of 3 months can be included in the plans. There is no upper limit in the age restrictions.


The inclusions or the coverage is different for different plans. Even the variants of the Lifeline, Individual Personal Accident, and Smart Cash policies have separate benefit plans. You can view the complete details on the website.


These are not exactly specified on the website. You can either download the policy brochures or use the Royal Sundaram Health Insurance contact number available on the website.

Must Read : Economic Health Plans From Royal Sundaram

Documents Required

You will get all the details related to the documents needed when you are booking the policy. You could even read the Royal Sundaram Health Insurance review.

Claim Process

The Royal Sundaram Health Insurance claim process has actually been ISO certified. You will be able to claim your insurance successfully if you follow a few simple rules like notifying the company within time.

Lots of people have given accounts of having had a good experience with Royal Sundaram.

This article was written by Steffi Sharma for on .

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