Royal Sundaram General Insurance

Key Features

Claim Settlement Ratio 81.5%

Claim Settlement Facility 100%

Network Hospitals 7000

Renewability 100%

COVID-19 Cover Yes

Incurred Claim Ratio 61%

About Royal Sundaram

Royal Sundaram general insurance company limited (formerly known as Royal Sundaram Alliance Insurance Company Limited) was formed as a joint venture between Sundaram Finance, a leading financial services company in India and Royal & Sun Alliance Insurance Group plc, UK which is one of the leading multinational insurance groups in the World with the capability to write business in over 130 countries with major operations in the UK, Scandinavia, Canada, Ireland and Middle east. Royal & Sun Alliance is the oldest insurance company in the World still trading under its original name. Sundaram group had 74% stake whereas the Royal & Sun Alliance groups held 26% in the joint venture.


Royal Sundaram health insurance plans

Entry requirements

The minimum entry age is 18 years and the maximum entry age is lifetime. There is no capping on the maximum entry age as customers can enter the policy at any time.

Sum Insured

The minimum sum insured under the plans are Rs. 2 laksh and a maximum sum insured of Rs.1.5 Crore. Sum insured enhancement is permitted only at the time of renewal of the health insurance policy.

Key features of Royal Sundaram health insurance

Refresh of sum insured is a part of the reload of sum insured. Re-load sum insured is payable only in case of base sum insured and no claim bonus is completely exhausted and for the same illness other than for which the claim has already been paid in the same policy year. Refresh of sum insured is payable to the same insured person for the same illness for which the claim has already been paid in the same policy year. Refresh of sum insured is available only once during the lifetime of the policy. The refresh sum insured is not available worldwide for emergency hospitalization and international treatment for specified critical illness.

Key Statistics & Achievements of Royal sundaram

  • 2000 employees all over India with 158 branches and products distributed through various channels such as agents, banks, insurance brokers etc.
  • 28 Million customers across India.


Tax Benefits

There are certain tax benefits available under the health insurance policies offered by Liberty Health insurance which are mentioned below:-

Claim Settlement Process

Royal Sundaram health insurance claim form can be downloaded from the website of the company or can be directly downloaded from here.


There is no law which mandates the taking of a health insurance policy in India. But it is advisable to have a Health insurance policy to protect you and your family from unforeseen circumstances leading to financial drain.