Royal Sundaram Health Insurance

Royal Sundaram Health Insurance offers affordable health plans with a wide range of benefits to take care of you and your family. Royal Sundaram Health Insurance plans are flexible and affordable with different Sum Insured options that suit you according to your different and specify need. One can also choose from basic health coverage to specialist medical insurance plans that offer maternity benefits. Key Features of the Royal Sundaram Health Insurance –

• Pre and post hospitalization expenses
• 200 Day Care procedures Covered
• Lifetime renewal
• Tax benefit under section 80 (D)
• ISO certified claims process
• Maternity cover
• Cashless hospitalization at over 3000+ network hospitals
• Get Cumulative bonus for every claim free years up to 100% of the base sum insured.
• 100% Reload of Sum Insured at no extra cost.
• Pre-existing cover after a 3-year waiting period.

Everyone looks up for a different Health Insurance Plan as per different requirement and safe future perspective. Following are the various types of Royal Sundaram Health Insurance to insure all-rounder cover –

In order to maintain and continue the benefits of the Royal Sundaram Health Insurance renewal is very important. Royal Sundaram Health Insurance gives a grace period to the insured if he/she fails to renew on the due date or before the due date, to avoid the lapse of the health policy. For the convenient and easy online Renewal of the Royal Sundaram Health Insurance, one can follow the following steps:-

• You must visit the Company.
• Then one must click on the Insta Renew’ option in order to begin the Royal Sundaram Health Insurance Renewal Online.
• Enter the details like name, policy number, and expiry date to get your renewal notice.
• Pay the renewal premium online using net banking, credit card or debit card.
• Upon successful payment, the policy will be renewed and you’ll get a renewal completion document on your registered email ID.

The claim is a very important part of any insurance policy. If you cannot get the benefit of your insurance policy in the time of requirement, what is the use of such policy? All claims for the following 4 benefits will be serviced through Europe Assistance India Pvt. Ltd –

• Second Opinion for 11 Critical Illness
• Emergency Domestic Evacuation /
• Worldwide Emergency Hospitalization
• International Treatment for 11 Specified Critical Illnesses

While all claims for benefits other than these 4 benefits will be serviced through Paramount Health Services & Insurance TPA Pvt.Ltd

Royal Sundaram Health Insurance offers to claim in two ways –

• Claim process – For the Claim process the treatment must be done only at the network hospital of the Royal Sundaram Health insurance company servicing your policy.
• Reimbursement Process – In the case of the Reimbursement process, the insurance company has to be informed as per their prescribed procedures.

Claim Process – Cashless Service for Domestic Claims

• In the case of planned hospitalization, then the insured have to intimate the Third Party Associative (TPA). It is important and crucial to seek for the cashless authorization at least 72 hours prior to the hospitalization of the insured.
• In case if the insured have to be admitted in event of any emergency hospitalization it is very important to inform the TPA within 24 hours of the hospitalization.
• Then one has to fill in the cashless authorization form within 3 hours given by the TPA post checking the coverage. After this, the eligibility of insured for the claim too would be verified by the authorities. Then the documents of the insured are needed to be Attach and then send the form within 3 hours back to the TPA. The TPA would get in touch with the concerned person, within 4 hours of the submitting receipt of the documents in case of a deficiency
• You have to immediately make the payment of the non-medical charges and for the expenses which are not covered to the hospital prior to the discharge of the insured.
• In case of the rejection of the application, the concerned person would receive a rejection letter within 2 hours in case your ailment or treatment is not covered under the health insurance plan. One can apply for reimbursement claim in case of rejection of the cashless claim.

Claim Procedure for Cashless facility for the Worldwide Emergency Hospitalization

• You have to inform the Royal Sundaram Health Insurance within 24 hours of hospitalization.
• Your eligibility as per the request made would be verified by the Service Provider and you will receive a call for more information or details if required.
• The Royal Sundaram Health Insurance Provider will get in touch with the same hospital immediately in case the pre-authorization request has been approved or denied.
• In case of approval of the pre-authorization request, your bill will be settled directly with the hospital by the service provider. Royal Sundaram Health Insurance can also decline the request after rechecking everything.
• Any other additional charges approved by the service provider would be paid by the insured.

Claim Procedure for Reimbursement

One has to submit the reimbursement claim form, duly filled and signed which is needed to be sent to the Royal Sundaram Health Insurance within 30 days from the date of discharge of the insured.

• In case of any discrepancy in the documents or the information submitted by the insured, he/ she will receive a deficiency letter within the 7 days from the date of receipt of the documents from Royal Sundaram Health Insurance
• If there is no deficiency of the received documents then the Royal Sundaram Health Insurance would make the payment of the admissible amount within 30 days as per the policy terms and conditions of the health insurance plan.
• The payment will be made in the name of the proposer.
• Insured need to send across the Reimbursement Claim documents properly to:

Royal Sundaram Health Insurance offers a transparent and well-organized insurance policy. Royal Sundaram Health Insurance plans are curated in a specific way in a specific way to shield the insured against his/ her huge financial responsibilities towards the family during and after hospitalization including whole medical treatment, hospitalization, tests and etc. Claim settlement ratio of the Royal Sundaram Health Insurance works as a cherry on the cake in terms of enhancing the importance of this plan. Royal Sundaram Health Insurance has a very good reputation in terms of a good claim settlement ratio among other health insurance companies. Also, the Royal Sundaram General Insurance Company was one of the first private insurance companies to tie up with banks to sell their retail products. Hence, in terms of enjoying the benefit of a dependable, compatible to needs, transparency to the customers and 24 * 7 customer care service, one should opt for the Royal Sundaram Health Insurance Policy.