{"buttonLabel":"Get a Quote","productCollection":"health_insurance_companies","productId":"4","productLink":"https:\/\/health.policybazaar.com\/?utm_source=ValueChampion&utm_medium=native&utm_campaign=affiliate_core_health","productName":"Royal Sundaram Alliance Insurance Company Limited"}
{"buttonLabel":"Get a Quote","productCollection":"health_insurance_companies","productId":"4","productImage":"referral_logos\/in\/insurance\/royal_sundaram-1_1.png","productLink":"https:\/\/health.policybazaar.com\/?utm_source=ValueChampion&utm_medium=native&utm_campaign=affiliate_core_health","productName":"Royal Sundaram Alliance Insurance Company Limited"}

Royal Sundaram Health Insurance Review: Limited, Expensive Policies

Royal Sundaram General Insurance offers a variety of different health insurance policies, however many of them are more expensive than the market average. The plans have strong coverage features, but weak claim settlement rates could be problematic for consumers.

Royal Sundaram Health Insurance Review: Limited, Expensive Policies

Royal Sundaram General Insurance offers a variety of different health insurance policies, however many of them are more expensive than the market average. The plans have strong coverage features, but weak claim settlement rates could be problematic for consumers.

Editor's Rating

3.0/5.0

Good for

  • Large families in need of a new health insurance policy
  • Consumers in need of frequent medical procedures

Bad for

  • Consumers on a budget, looking for the cheapest plan
  • Those with pre-existing medical conditions

Royal Sundaram General has two different versions of comprehensive health insurance to offer to consumers: the Lifeline Policy and the Family Plus Policy. Neither comes cheap, as their plans start 35% more expensive than the market average for medical insurance in India. Both of these plans provide COVID-19 coverage and other strong coverage features, especially for larger families who do not need to stick to a budget, but their claim settlement rates are suboptimal, and could cause issues if you need to submit a claim.

If you're seeking a great health insurance policy, but at a cheaper price, you'll want to consider a few alternatives. Bajaj Allianz, Care (Formerly Religare), Aditya Birla, and Star Health and Allied provide more affordable yet still comparable comprehensive plans to Royal Sundaram, all of which can be purchased and renewed online with minimal hassle. Their annual premium prices start 30% cheaper than what's offered by Royal Sundaram, and they provide more policy options as well.

Alternatives We Recommend

{"items":["\u003Cstrong\u003EBest All-Around\u003C\/strong\u003E\n\u003Cdiv class=\"AffiliateBannerMobile--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImage--root \"\u003E\n \u003Cdiv class=\"ShortcodeImage--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate health_insurance_companies: Bajaj Allianz General Insurance Company Limited - Image\" data-eventlabel=\"Bajaj Allianz General Insurance Company Limited\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Bajaj Allianz General Insurance Company Limited\" href=\"\/redirect\/health_insurance_companies\/2?link=https%3A%2F%2Faffiliate.valuechampion.in%2Fredirect%3Flink%3Dhttps%253A%252F%252Fhealth.policybazaar.com%252F%253Futm_source%253DValueChampion%2526utm_medium%253Dnative%2526utm_campaign%253Daffiliate_core_health\"\u003E\u003Cimg alt=\"Bajaj Allianz General Insurance Company Limited\" class=\"ShortcodeImage--image lazyload\" style=\"width: 200px;\" data-src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/in\/insurance\/bajaj-1.png\" src=\"\/\/res.cloudinary.com\/valuechampion\/image\/upload\/e_blur:1000,q_1,f_auto\/referral_logos\/in\/insurance\/bajaj-1.png\" data-srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/in\/insurance\/bajaj-1.png 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/in\/insurance\/bajaj-1.png 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate health_insurance_companies: Bajaj Allianz General Insurance Company Limited - Button\" data-eventlabel=\"Bajaj Allianz General Insurance Company Limited\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Bajaj Allianz General Insurance Company Limited\" href=\"\/redirect\/health_insurance_companies\/2?link=https%3A%2F%2Faffiliate.valuechampion.in%2Fredirect%3Flink%3Dhttps%253A%252F%252Fhealth.policybazaar.com%252F%253Futm_source%253DValueChampion%2526utm_medium%253Dnative%2526utm_campaign%253Daffiliate_core_health\"\u003EGet a Quote \u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003Cdiv class=\"AffiliateBannerDesktop--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImage--root \"\u003E\n \u003Cdiv class=\"ShortcodeImage--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate health_insurance_companies: Bajaj Allianz General Insurance Company Limited - Image\" data-eventlabel=\"Bajaj Allianz General Insurance Company Limited\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Bajaj Allianz General Insurance Company Limited\" href=\"\/redirect\/health_insurance_companies\/2?link=https%3A%2F%2Faffiliate.valuechampion.in%2Fredirect%3Flink%3Dhttps%253A%252F%252Fhealth.policybazaar.com%252F%253Futm_source%253DValueChampion%2526utm_medium%253Dnative%2526utm_campaign%253Daffiliate_core_health\"\u003E\u003Cimg alt=\"Bajaj Allianz General Insurance Company Limited\" class=\"ShortcodeImage--image lazyload\" style=\"width: 200px;\" data-src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/in\/insurance\/bajaj-1.png\" src=\"\/\/res.cloudinary.com\/valuechampion\/image\/upload\/e_blur:1000,q_1,f_auto\/referral_logos\/in\/insurance\/bajaj-1.png\" data-srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/in\/insurance\/bajaj-1.png 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/in\/insurance\/bajaj-1.png 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate health_insurance_companies: Bajaj Allianz General Insurance Company Limited - Button\" data-eventlabel=\"Bajaj Allianz General Insurance Company Limited\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Bajaj Allianz General Insurance Company Limited\" href=\"\/redirect\/health_insurance_companies\/2?link=https%3A%2F%2Faffiliate.valuechampion.in%2Fredirect%3Flink%3Dhttps%253A%252F%252Fhealth.policybazaar.com%252F%253Futm_source%253DValueChampion%2526utm_medium%253Dnative%2526utm_campaign%253Daffiliate_core_health\"\u003EGet a Quote \u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003Ca class=\"ShortcodeLink--root\" title=\"Bajaj Allianz Health Insurance Review\" href=\"https:\/\/www.valuechampion.in\/health-insurance\/bajaj-allianz-health-insurance-review\"\u003ERead More\u003C\/a\u003E","\n\u003Cstrong\u003EMost Comprehensive\u003C\/strong\u003E\n\u003Cdiv class=\"AffiliateBannerMobile--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImage--root \"\u003E\n \u003Cdiv class=\"ShortcodeImage--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate health_insurance_companies: Care Health Insurance - Image\" data-eventlabel=\"Care Health Insurance\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Care Health Insurance\" href=\"\/redirect\/health_insurance_companies\/21?link=https%3A%2F%2Faffiliate.valuechampion.in%2Fredirect%3Flink%3Dhttps%253A%252F%252Fad.admitad.com%252Fg%252Fbe6ibkxoez2bc4fc0fc85ba0881d70\"\u003E\u003Cimg alt=\"Care Health Insurance\" class=\"ShortcodeImage--image lazyload\" style=\"width: 200px;\" data-src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/in\/insurance\/care-1.png\" src=\"\/\/res.cloudinary.com\/valuechampion\/image\/upload\/e_blur:1000,q_1,f_auto\/referral_logos\/in\/insurance\/care-1.png\" data-srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/in\/insurance\/care-1.png 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/in\/insurance\/care-1.png 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate health_insurance_companies: Care Health Insurance - Button\" data-eventlabel=\"Care Health Insurance\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Care Health Insurance\" href=\"\/redirect\/health_insurance_companies\/21?link=https%3A%2F%2Faffiliate.valuechampion.in%2Fredirect%3Flink%3Dhttps%253A%252F%252Fad.admitad.com%252Fg%252Fbe6ibkxoez2bc4fc0fc85ba0881d70\"\u003EGet a Quote \u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003Cdiv class=\"AffiliateBannerDesktop--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImage--root \"\u003E\n \u003Cdiv class=\"ShortcodeImage--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate health_insurance_companies: Care Health Insurance - Image\" data-eventlabel=\"Care Health Insurance\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Care Health Insurance\" href=\"\/redirect\/health_insurance_companies\/21?link=https%3A%2F%2Faffiliate.valuechampion.in%2Fredirect%3Flink%3Dhttps%253A%252F%252Fad.admitad.com%252Fg%252Fbe6ibkxoez2bc4fc0fc85ba0881d70\"\u003E\u003Cimg alt=\"Care Health Insurance\" class=\"ShortcodeImage--image lazyload\" style=\"width: 200px;\" data-src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/in\/insurance\/care-1.png\" src=\"\/\/res.cloudinary.com\/valuechampion\/image\/upload\/e_blur:1000,q_1,f_auto\/referral_logos\/in\/insurance\/care-1.png\" data-srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/in\/insurance\/care-1.png 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/in\/insurance\/care-1.png 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate health_insurance_companies: Care Health Insurance - Button\" data-eventlabel=\"Care Health Insurance\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Care Health Insurance\" href=\"\/redirect\/health_insurance_companies\/21?link=https%3A%2F%2Faffiliate.valuechampion.in%2Fredirect%3Flink%3Dhttps%253A%252F%252Fad.admitad.com%252Fg%252Fbe6ibkxoez2bc4fc0fc85ba0881d70\"\u003EGet a Quote \u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003Ca class=\"ShortcodeLink--root\" title=\"Care (Formerly Religare) Health Insurance Review\" href=\"https:\/\/www.valuechampion.in\/health-insurance\/religare-health-insurance-review\"\u003ERead More\u003C\/a\u003E","\n\u003Cstrong\u003EGreat Online Features\u003C\/strong\u003E\n\u003Cdiv class=\"AffiliateBannerMobile--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImage--root \"\u003E\n \u003Cdiv class=\"ShortcodeImage--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate health_insurance_companies: Aditya Birla Capital Health Insurance - Image\" data-eventlabel=\"Aditya Birla Capital Health Insurance\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Aditya Birla Capital Health Insurance\" href=\"\/redirect\/health_insurance_companies\/7?link=https%3A%2F%2Faffiliate.valuechampion.in%2Fredirect%3Flink%3Dhttps%253A%252F%252Fhealth.policybazaar.com%252F%253Futm_source%253DValueChampion%2526utm_medium%253Dnative%2526utm_campaign%253Daffiliate_core_health\"\u003E\u003Cimg alt=\"Aditya Birla Capital Health Insurance\" class=\"ShortcodeImage--image lazyload\" style=\"width: 200px;\" data-src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/in\/insurance\/aditya-1.png\" src=\"\/\/res.cloudinary.com\/valuechampion\/image\/upload\/e_blur:1000,q_1,f_auto\/referral_logos\/in\/insurance\/aditya-1.png\" data-srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/in\/insurance\/aditya-1.png 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/in\/insurance\/aditya-1.png 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate health_insurance_companies: Aditya Birla Capital Health Insurance - Button\" data-eventlabel=\"Aditya Birla Capital Health Insurance\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Aditya Birla Capital Health Insurance\" href=\"\/redirect\/health_insurance_companies\/7?link=https%3A%2F%2Faffiliate.valuechampion.in%2Fredirect%3Flink%3Dhttps%253A%252F%252Fhealth.policybazaar.com%252F%253Futm_source%253DValueChampion%2526utm_medium%253Dnative%2526utm_campaign%253Daffiliate_core_health\"\u003EGet a Quote \u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003Cdiv class=\"AffiliateBannerDesktop--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImage--root \"\u003E\n \u003Cdiv class=\"ShortcodeImage--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate health_insurance_companies: Aditya Birla Capital Health Insurance - Image\" data-eventlabel=\"Aditya Birla Capital Health Insurance\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Aditya Birla Capital Health Insurance\" href=\"\/redirect\/health_insurance_companies\/7?link=https%3A%2F%2Faffiliate.valuechampion.in%2Fredirect%3Flink%3Dhttps%253A%252F%252Fhealth.policybazaar.com%252F%253Futm_source%253DValueChampion%2526utm_medium%253Dnative%2526utm_campaign%253Daffiliate_core_health\"\u003E\u003Cimg alt=\"Aditya Birla Capital Health Insurance\" class=\"ShortcodeImage--image lazyload\" style=\"width: 200px;\" data-src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/in\/insurance\/aditya-1.png\" src=\"\/\/res.cloudinary.com\/valuechampion\/image\/upload\/e_blur:1000,q_1,f_auto\/referral_logos\/in\/insurance\/aditya-1.png\" data-srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/in\/insurance\/aditya-1.png 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/in\/insurance\/aditya-1.png 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate health_insurance_companies: Aditya Birla Capital Health Insurance - Button\" data-eventlabel=\"Aditya Birla Capital Health Insurance\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Aditya Birla Capital Health Insurance\" href=\"\/redirect\/health_insurance_companies\/7?link=https%3A%2F%2Faffiliate.valuechampion.in%2Fredirect%3Flink%3Dhttps%253A%252F%252Fhealth.policybazaar.com%252F%253Futm_source%253DValueChampion%2526utm_medium%253Dnative%2526utm_campaign%253Daffiliate_core_health\"\u003EGet a Quote \u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003Ca class=\"ShortcodeLink--root\" title=\"Aditya Birla Health Insurance Review\" href=\"https:\/\/www.valuechampion.in\/health-insurance\/aditya-birla-health-insurance-review\"\u003ERead More\u003C\/a\u003E","\n\u003Cstrong\u003EMost Options\u003C\/strong\u003E\n\u003Cdiv class=\"AffiliateBannerMobile--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImage--root \"\u003E\n \u003Cdiv class=\"ShortcodeImage--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate health_insurance_companies: Star Health and Allied Insurance Limited - Image\" data-eventlabel=\"Star Health and Allied Insurance Limited\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Star Health and Allied Insurance Limited\" href=\"\/redirect\/health_insurance_companies\/18?link=https%3A%2F%2Faffiliate.valuechampion.in%2Fredirect%3Flink%3Dhttps%253A%252F%252Fhealth.policybazaar.com%252F%253Futm_source%253DValueChampion%2526utm_medium%253Dnative%2526utm_campaign%253Daffiliate_core_health\"\u003E\u003Cimg alt=\"Star Health and Allied Insurance Limited\" class=\"ShortcodeImage--image lazyload\" style=\"width: 200px;\" data-src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/in\/insurance\/star-1.png\" src=\"\/\/res.cloudinary.com\/valuechampion\/image\/upload\/e_blur:1000,q_1,f_auto\/referral_logos\/in\/insurance\/star-1.png\" data-srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/in\/insurance\/star-1.png 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/in\/insurance\/star-1.png 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate health_insurance_companies: Star Health and Allied Insurance Limited - Button\" data-eventlabel=\"Star Health and Allied Insurance Limited\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Star Health and Allied Insurance Limited\" href=\"\/redirect\/health_insurance_companies\/18?link=https%3A%2F%2Faffiliate.valuechampion.in%2Fredirect%3Flink%3Dhttps%253A%252F%252Fhealth.policybazaar.com%252F%253Futm_source%253DValueChampion%2526utm_medium%253Dnative%2526utm_campaign%253Daffiliate_core_health\"\u003EGet a Quote \u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003Cdiv class=\"AffiliateBannerDesktop--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImage--root \"\u003E\n \u003Cdiv class=\"ShortcodeImage--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate health_insurance_companies: Star Health and Allied Insurance Limited - Image\" data-eventlabel=\"Star Health and Allied Insurance Limited\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Star Health and Allied Insurance Limited\" href=\"\/redirect\/health_insurance_companies\/18?link=https%3A%2F%2Faffiliate.valuechampion.in%2Fredirect%3Flink%3Dhttps%253A%252F%252Fhealth.policybazaar.com%252F%253Futm_source%253DValueChampion%2526utm_medium%253Dnative%2526utm_campaign%253Daffiliate_core_health\"\u003E\u003Cimg alt=\"Star Health and Allied Insurance Limited\" class=\"ShortcodeImage--image lazyload\" style=\"width: 200px;\" data-src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/in\/insurance\/star-1.png\" src=\"\/\/res.cloudinary.com\/valuechampion\/image\/upload\/e_blur:1000,q_1,f_auto\/referral_logos\/in\/insurance\/star-1.png\" data-srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/in\/insurance\/star-1.png 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/in\/insurance\/star-1.png 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate health_insurance_companies: Star Health and Allied Insurance Limited - Button\" data-eventlabel=\"Star Health and Allied Insurance Limited\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Star Health and Allied Insurance Limited\" href=\"\/redirect\/health_insurance_companies\/18?link=https%3A%2F%2Faffiliate.valuechampion.in%2Fredirect%3Flink%3Dhttps%253A%252F%252Fhealth.policybazaar.com%252F%253Futm_source%253DValueChampion%2526utm_medium%253Dnative%2526utm_campaign%253Daffiliate_core_health\"\u003EGet a Quote \u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003Ca class=\"ShortcodeLink--root\" title=\"Star Health and Allied Insurance Review\" href=\"https:\/\/www.valuechampion.in\/health-insurance\/star-allied-health-insurance-review\"\u003ERead More\u003C\/a\u003E"],"offsetPercentage":20}
Summary of Royal Sundaram Health Insurance
Policies start 35% more expensive than market average.
2 different policy bundles to suit the needs of individuals, families or senior citizens.
Up to 9 helpful coverages included in all policies.


Royal Sundaram Health Insurance Plan Benefits and Exclusions

Royal Sundaram offers some of the most expensive health insurance policies on the market, but their plans do provide coverage for COVID-19 and lifetime renewability. Their plans start nearly 35% more expensive than the market average for medical insurance in India, especially for senior citizens, and some policies can reach nearly 75% more expensive than average. Royal Sundaram splits their policy options into two groupings: the Family Plus Policy and the Lifeline Policy.

Annual Premium Prices Indian Senior Citizen Health Insurance Policies
Annual Premium Prices Indian Senior Citizen Health Insurance Policies

Family Plus health insurance policies are designed for large families, and contain very helpful benefits like the ability to cover members outside your immediate family. With the Family Plus Policy, Royal Sundaram allows coverage for 19 different relations, so you do not have to limit yourself to just those closest to you. Other extremely helpful aspects of the Family Plus plan are the maternity benefits and lack of an entry age restriction. As this plan is designed for larger families, it's also perfectly suited for families who intend to grow.

Sum insured amounts range from Rs. 2 lakhs to Rs. 15 lakhs for individuals, and Rs. 3 lakhs to Rs. 25 lakhs for the family floater version.

Lifeline health insurance policies are the standard, base medical coverage plans. Royal Sundaram offers both individual and floater versions of the Lifeline Policy, and sum insured amounts range from Rs. 1 lakhs to Rs. 1.5 crores. All Lifeline health insurance plans come with strong benefits, the most helpful being the 100% reload of sum insured amount. With this feature, your maximum sum insured amount will automatically be replenished up to 100% in the event you meet or exceed the original sum amount before the end of the policy term.

The most unique feature of the Lifeline Policy is the claims free bonus. Policyholders who go five consecutive years without submitting a claim will automatically have their sum insured amount doubled without being required to pay an increased premium.

With Royal Sundaram's Lifeline policy, consumers can choose from three different levels of coverage: Classic, Supreme, or Elite. Classic is the base plan with the fewest amount of benefits and the lowest range of sum insured amounts, while the Elite is the most comprehensive of the three policies.

The biggest differences between the three, in terms of coverage, are the pre and post-hospitalisation coverage, worldwide emergency medical coverage, and maternity benefits.

Pre-hospitalisation expenses are covered for 30 days and post-hospitalisation expenses are covered for 60 days with Royal Sundaram's Classic Lifeline plan; with the Supreme version, pre and post-hospitalisation expenses are covered for 60 and 90 days, respectively, and through the Elite plan, post-hospitalisation charges are covered for an astounding 180 days, the most offered by any plan in our study.

Worldwide emergency medical coverage and maternity benefits are only offered through the Elite plan, so it's the best plan for growing or travelling families despite it being nearly 10 times the cost of the Classic version. The Supreme bundle is 41% more expensive annually than the Classic bundle. To get an estimate of your potential annual costs, Royal Sundaram has a fantastic health insurance calculator on their website, which will give you an idea of how much your new policy will cost before entering the quoting and purchasing process.

ClassicSupremeElite
Sum Insured2-4 lakhs5-50 lakhs25-150 lakhs
Inpatient CareCovered up to SICovered up to SICovered up to SI
Pre/Post Hospital Expenses30/60 days60/90 days60/180 days
Day Care ProceduresCovered up to SICovered up to SICovered up to SI
Ambulance CoverRs. 3,000Rs. 5,000Rs. 10,000
Organ Donor ExpensesCovered up to SICovered up to SICovered up to SI
No Claim Bonus10%-50%20%-100%20%-100%
Reload of Sum InsuredUp to base SIUp to base SIUp to base SI
Worldwide EmergencyNot coveredNot coveredCovered up to 50% of SI
Health Check-UpOnce every third yearAnnualAnnual
Second OpinionNot coveredOnce per yearOnce per year
OPD TreatmentNot coveredNot coveredCovered up to Rs. 10,000
Maternity BenefitsNot coveredNot coveredCovered
Hospital CashRs. 1,000/dayRs. 2,000/dayRs. 5,000/day

Some of the most popular benefits among Royal Sundaram's policyholders are lifetime renewal, which is available through any plan and ensures that you can continue your health coverage for as long as you require, and the day care coverage, which provides up to 200 permissible procedures. Expenses from COVID-19 are also covered, a feature that is becoming increasingly more popular during the pandemic.

Before purchasing a new health insurance policy with Royal Sundaram, consumers should be aware of the list of exclusions, in case one of your medical needs is outside the coverage scope offered by the company. Royal Sundaram does not cover expenses incurred from:

  • Pre-existing conditions for the first 3 years of the policy
  • Addictive conditions and disorders
  • Adventure sport injuries
  • Injuries incurred from hazardous acts

In addition to the list of exclusions, there are some other drawbacks that come along with Royal Sundaram health insurance, many of which could be problematic for policyholders. Their claim settlement metrics are some of the worst among any of the medical insurers in our study, especially their claim settlement rate, which is the second-lowest of any insurer we analysed. Consumers should unfortunately expect a slower claim settlement process, and one that potentially includes many obstacles along the way, thanks to Royal Sundaram's suboptimal incurred claims ratio (ICR).

For health insurers in India, the healthy ICR range is 75-90%, which indicates a strong ability to settle claims against annual premium collection. Royal Sundaram's ICR is a very weak 61%, nearly 15% below the optimal range. Such a low ICR indicates that you may experience some friction during the claim settlement process, and may not receive as much coverage or reimbursement as initially expected.

Royal SundaramMarket Average
ICR61%74%
Claim Settlement Rate85%91%
Network Hospitals5,0006,186
Market Share1.87%3.13%
PolicyBazaar Reviews4.3 (44 reviews)4.1 (49 reviews)

Royal Sundaram's list of network hospitals is over 1,000 fewer than average, compared to the other Indian health insurers we studied. While 5,000 network hospitals is still a satisfactory list, those in rural areas outside of city limits may have a bit of difficulty locating a convenient hospital for medical treatment.

Policyholders have awarded Royal Sundaram with an above-average 4.3-star rating on PolicyBazaar, but there are a few negative pieces of feedback that have lowered their overall score. Some consumers are displeased with the expensive annual costs, but many are unhappy about Royal Sundaram charging extra for services like ambulance fees. There are also negative reviews about the slow and disappointing claims process, which is expected based on their poor claim metrics.

Policy Annual Premium Cost and Comparison

While the majority of Royal Sundaram's health insurance plans are significantly more expensive than the market average in India, consumers on a stricter budget can opt for their Lifeline Classic plan, which is the cheapest option, but also is accompanied by a lower level of coverage.

The Lifeline Supreme plan, which is their middle tier of comprehensive medical coverage, is around 40% more expensive annually than the base package, while the Lifeline Elite can be significantly more expensive than the Lifeline Classic plan because of all the coverage inclusions.

AgeSum Insured AmountAnnual Premium
25₹5,00,000 - ₹50,00,000₹5,251 - ₹13,753
35₹5,00,000 - ₹50,00,000₹6,548 - ₹17,654
45₹5,00,000 - ₹50,00,000₹9,114 - ₹23,313
55₹5,00,000 - ₹50,00,000₹18,286 - ₹143,804
65₹5,00,000 - ₹50,00,000₹32,795 - ₹83,424

Claim Submission and Settlement Process

Royal Sundaram's claims process is not difficult, but it's not one of the better processes we studied, either. The company requires you to inform them at least 48 hours in advance of planned hospitalisation or treatment, and within 48 hours in the event of an emergency. Like all other insurers, you are required to submit all claims and insurance documents that Royal Sundaram lists on their website and they will evaluate and determine the covered aspects.

The company allows policyholders to receive care at non-network hospitals, but prohibits cashless claims at any hospital that is not on their list. If you choose to use a non-listed facility, you must submit a reimbursement claim, which requires you to cover expenses out of pocket with Royal Sundaram paying you back once the services are completed. You are also required to get approval from Royal Sundaram to use a non-network hospital, and approval requests must be submitted within 24 hours of admittance to a facility.

Royal Sundaram does not have a claims tracker online, but they'll send you SMS alerts to help update you on the progress of your claim. You may also call an agent if necessary. To ensure you have a network hospital nearby, you can use Royal Sundaram's hospital locator tool on their website.

How to Apply or Renew

To apply for any of Royal Sundaram's medical insurance plans, navigate to their website, and use either their quote tool or health insurance calculator to determine which plan fits your needs and budget best. Once you choose, fill out all personal information and apply right on Royal Sundaram's website. They make this process simple and convenient online, and have a live chat feature in case you need assistance along the way.

For those who are already members of Royal Sundaram General Insurance, the renewal process is even simpler than the initial application process thanks to their Insta Renew feature. Navigate to Royal Sundaram's website, click Insta Renew, enter your current plan information, and walk through the step-by-step renewal process in just a few minutes. They offer lifetime renewability, so you can continue to extend your policy as many times and for as long as is needed.


Mike Wagenman

Mike Wagenman is a Senior Research Analyst at ValueChampion India, specializing in insurance. He holds a Bachelor of Arts degree in Communication and Business from Rider University, and his prior work experience includes data, revenue, and business analysis in the international travel and technology markets. Mike has worked with clients around the world to help identify financial value and find the most optimal way to achieve success.