General Insurance 395 views September 9, 2021

Royal Sundaram General Insurance provides a wide range of products – Car Insurance, Two-Wheeler Insurance, Health Insurance, Travel Insurance, Home Insurance, Personal Accident Insurance, Commercial Vehicle Insurance and Business Insurance. The company provides you with access to 5,000+ network hospitals in India for cashless treatment and 284 cashless garages for insured vehicle repair and servicing. You will find insurance for every need at Royal Sundaram General Insurance. Keep reading this page below and learn about the products in detail.

Royal Sundaram General Insurance Products

The insurance company provides the following products to customers and protects them from financial liabilities in case of any contingencies.

Health Insurance

You’ll get coverage for any major, unforeseen illness or accident with Royal Sundaram Health Insurance. Check out the plans offered by the company –

Royal Sundaram Lifeline

Royal Sundaram Lifeline Plan comes in three variants – Classic, Supreme and Elite. You’ll get coverage against the following –

  • In-patient care
  • Pre and Post-hospitalization expenses
  • Day Care treatment
  • Domiciliary hospitalization
  • Ambulance expenses
  • Organ donor Expenses
  • No Claim Bonus (NCB)
  • Reload of sum insured
  • Ayush treatment
  • Vaccination for animal bite
  • Emergency domestic evacuation
  • Worldwide emergency hospitalization (excluding the US and Canada)
  • International treatment for 11 specified critical illnesses (excluding the US and Canada)
  • Maternity benefit with newborn baby cover and vaccination for the newborn up to the age of one year
  • OPD treatment
  • Dental treatment
  • Cost of spectacles and contact lenses

Other than the above, you’ll get the following value-added benefits –

  • Health Check-up
  • Second opinion for 11 critical illness
  • Preventive Healthcare & Wellness Benefit

The following optional covers are available under this policy:

  • Hospital Cash
  • Top-up plan on an annual aggregate deductible basis

You will get a wide range of sum insured as per your chosen variant:

VariantsSum Insured Options (In INR)
Classic2 Lakh, 3 Lakh & 4 Lakh
Supreme5 Lakh, 10 Lakh, 15 Lakh, 20 Lakh & 50 Lakh
Elite25 Lakh, 30 Lakh, 50 Lakh, 1 Crore, 1.5 Crore

The premium amount is based on your sum insured, policy tenure, age, policy type, zone of cover, optional covers (if any) and health status. The minimum and maximum entry age for children is 91 days and 25 years, respectively. For adults, the minimum entry age is 18 years, and there is no maximum limit.

Royal Sundaram Family Plus

Royal Sundaram Family Plus provides you with the following benefits –

  • In-patient care
  • Pre and post-hospitalization expenses up to 60 and 90 days, respectively
  • Day Care treatment
  • Domiciliary hospitalization
  • Ambulance cover up to INR 4,000 per hospitalization
  • Organ donor expenses
  • 20% NCB after every claim-free year
  • Reload of sum insured
  • Ayush treatment
  • Vaccination for animal bite
  • Emergency domestic evacuation
  • Maternity benefit with newborn baby cover and vaccination for newborn up to the age of one year.
  • Nutritional allowance for mother post-discharge after delivery

Besides the above, you’ll get the following value-added benefits –

  • Health Check-up
  • Second opinion for 11 critical illness
  • Preventive Healthcare & Wellness Benefit
  • You can enhance your policy coverage by adding the ‘Hospital Cash’ optional cover.

The sum insured options are as follows –

Base Sum Insured – INR 2, 3, 5, 10, 15 Lakhs
Floater Sum Insured – INR 3, 4, 5, 10, 15, 20, 25, 50 Lakhs

The premium amount is based upon the sum insured, policy tenure, age, policy type, zone of cover and optional covers (if any) and your health status. The minimum and maximum entry age for children is 91 days and 25 years, respectively. For adults, the minimum entry age is 18 years, and there is no maximum limit.

Royal Sundaram Corona Kavach

This policy is available for persons aged between 18 and 65 years and offers coverage against the following –

  • Hospitalization and other expenses for the treatment of COVID-19
  • ICU and ICCU expenses
  • Ambulance cover up to INR 2,000 per hospitalization
  • Fees of surgeon, attending doctor, anaesthetist
  • Cost of anaesthesia, blood, oxygen, OT charges, etc.
  • Home care treatment expenses up to 14 days upon positive diagnosis of COVID-19 during the policy period.

You’ll get the following sum insured options –

  • INR 50,000
  • INR 1,00,000
  • INR 1,50,000
  • INR 2,00,000
  • INR 2,50,000
  • INR 3,00,000
  • INR 3,50,000
  • INR 4,00,000
  • INR 4,50,000
  • INR5,00,000

The minimum and maximum premium amounts are INR 953 and 18,723 ((exclusive of GST), respectively.

Royal Sundaram COVID SECURE

Royal Sundaram COVID SECURE is available for persons aged between 21 and 65 years. Under this policy, the insurer shall pay a lump sum amount if you’re diagnosed positive with CoronaVirus from any Government of India Authorized Centre/Indian Council of Medical Research (ICMR). The sum insured options are INR 25,000 and 50,000. You can pay your premium yearly. The premium amount is INR 399 and 799 for persons aged between 21 and 65 years and INR 499 and 999 for persons aged 66 years and above.

Royal Sundaram Arogya Sanjeevani

You’ll get coverage against the following expenses under the Royal Sundaram Arogya Sanjeevani Plan-

  • Hospitalization expenses
  • ICU and ICCU expenses
  • Cataract treatment with a sub-limit of 25% of the sum insured, up to INR.40,000
  • Pre and post-hospitalization expenses up to 30 and 60 days, respectively
  • Day care procedures
  • Road Ambulance up to INR 2,000 per hospitalization

Check out the sum insured options available in this plan –

  • INR 1 Lakh
  • INR 1.5 Lakh
  • INR 2 Lakh
  • INR 2.5 Lakh
  • INR 3 Lakh
  • INR 3.5 Lakh
  • INR 4 Lakh
  • INR 4.5 Lakh
  • INR 5 Lakh

Car Insurance

Royal Sundaram General Insurance provides insurance for your four-wheeler, so you can get financially protected in case of a mishap. You’ll get coverage against the following –

  • Liabilities to the third party in case your insured car damages someone’s property or results in the death of an individual other than the insured.
  • Personal accident cover for the owner/driver in case of death, loss of two limbs or sight of two eyes or one limb and sight of one eye, loss of one limb or sight of one eye, permanent total disablement due to an accidental injury.
  • Loss or damage to the car by fire explosion self-ignition or lightning, burglary housebreaking or theft, riot and strike, earthquake (fire and shock damage), flood, typhoon, hurricane, storm, tempest, inundation, cyclone, hailstorm, frost, accidental external means, malicious activity, terrorist activity, whilst in transit by road rail inland- waterway lift elevator or air, landslide, rockslide.

The insurer provides you insurance plans under this section

  • 3 Year Private Car Liability Only Policy
  • Bundled Private Car Long Term Package Policy
  • Car shield Private Car Package Policy
  • Stand-Alone Motor Own Damage Policy – Private Car
  • Stand-Alone Liability Only Policy

You can customize your policy by adding any of the following optional covers –

  • Depreciation Waiver Cover
  • Windshield Glass Cover
  • Voluntary Deductible Cover
  • Full Invoice Price Insurance Cover
  • Loss of Baggage Cover
  • Spare Car Clause
  • NCB Protector
  • Key Replacement Cover
  • Tyre Cover
  • Lifetime Road Tax Clause
  • Aggravation(Damage)Cover Clause
  • Enhanced Personal Accident Cover up to INR 50 Lakh

Two-Wheeler Insurance

You’ll get two-wheeler insurance policies that’ll cover your vehicle against potential risks of theft, accidental damage, liability arising due to accidents caused to a third party, etc. Check out the two-wheeler insurance offered by the insurance company –

  • 5-Year Two-Wheeler Liability Policy
  • Bundled Two-Wheeler Long Term Package Policy
  • LONG TERM TWO WHEELER PACKAGE POLICY
  • Annual Two Wheeler Package Policy
  • Stand-Alone Motor Own Damage Policy – Two-Wheeler
  • Stand-Alone Liability Only Policy – Two-Wheeler

You’ll get the following benefits as per your chosen Royal Sundaram Two-wheeler Insurance policy variant –

  • Third-party Liability Cover in case an accident results in property damages or loss of life
  • Personal accident cover for the owner/driver if the accidental injury results in death, loss of two limbs or sight of two eyes or one limb and sight of one eye, loss of one limb or sight of one eye and permanent total disablement.
  • Loss or damage cover against fire explosion self-ignition or lightning, burglary housebreaking or theft, riot and strike, earthquake (fire and shock damage), flood, typhoon, hurricane, storm, tempest, inundation, cyclone, hailstorm, frost, accidental external means, malicious activity, terrorist activity, whilst in transit by road rail inland- waterway lift elevator or air, landslide, rockslide.

You can enhance your two-wheeler coverage by adding a personal accident cover of INR 12 Lakh.

Travel Insurance

You can get financial security while travelling, with the Royal Sundaram Travel Secure Plan. This travel insurance policy comes in different variants based on your trip –

Leisure Trip – A comprehensive travel plan for abroad vacation, with sum insured starting from 50,000 USD and going up to 10 Lakh USD.

Multi-Trip – A customized annual plan for frequent travellers.

Senior Citizen Plan – A tailor-made travel plan for people aged 71 years and above.

Asia – A travel plan exclusively for coverage within Asia.

Student – An annual travel plan for students who are going abroad for studies

You’ll get the following benefits under this policy –

  • Medical Expenses (including medical evacuation)
  • Sickness Dental Relief
  • Accidental Death & Dismemberment (24 hours)
  • Repatriation of Mortal Remains
  • Delay of Checked-in Baggage
  • Loss of Checked-in Baggage
  • Loss of Passport
  • Personal Liability
  • Trip Delay
  • Hijacking Benefit
  • Assistance Services
  • Daily cash allowance in case of hospitalization beyond 2 days

The sum insured option is as follows –

VariantsSum Insured (In USD)
Classic50000 and 1 Lakh
Supreme2 Lakh, 3 Lakh, 5 Lakh
Elite5 Lakh, 7.5 Lakh, 10 Lakh

Home Insurance Under Royal Sundaram General Insurance

Bharat Griha Raksha Policy of Royal Sundaram General Insurance covers both home building and home contents. You’ll get overage for building in the event of loss or damage or destruction due to –

  • Fire Explosion or Implosion
  • Lightning
  • Earthquake
  • Volcanic eruption, or other convulsions of nature
  • StormCyclone, Typhoon, Tempest, Hurricane, Tornado, Tsunami, Flood and Inundation
  • Subsidence of the land where your home building stands, Landslide, Rockslide
  • Bush fire, Forest fire, Jungle fire
  • Impact damage of any kind,
  • Impact of, or collision caused by any external physical object like a vehicle, falling trees, aircraft, walls, etc.
  • Missile testing operations
  • Riot, strikes, malicious damages
  • Acts of terrorism
  • Bursting or overflowing of water tanks, apparatus and pipes
  • Leakage from automatic sprinkler installations
  • Theft within seven days from the date of occurrence of the above events.

The sum insured will be calculated using the formula shown below:
Building Sum Insured = Carpet Area of the Structure in Square Metres X Rate of Cost of Construction at the policy commencement date.

Personal Accident Insurance

If you purchase Royal Sundaram Personal Accident Insurance, you’ll get a global cover of up to INR 75 Lakhs in case of disability or death due to an accident. You’ll get a discount of up to 10% if three or more family members are covered in the policy. In case of a claim free-year, the policy will be renewed without any breaks. The coverage will increase by 5%, up to 25% of the sum insured.

Commercial Vehicle Insurance

Royal Sundaram commercial vehicle insurance is available for Goods Carrying Vehicles, Passenger Carrying Vehicles, Taxies, Miscellaneous class of vehicles such as Tractors, Cranes and Trailers, Check out the available plans.

  • Comprehensive Vehicle Insurance Coverage
  • Liability only policy
  • PA Cover Clause Passenger Carrying Vehicle
  • Enhanced PA Cover Clause Goods Carrying Vehicle
  • PA Cover Clause Miscellaneous & Special Type of Vehicles
  • EMI Protector Clause Goods carrying vehicle
  • EMI Protector Clause Miscellaneous vehicle
  • EMI Protector Clause Passenger carrying vehicle
  • Loss of Income Clause Goods carrying vehicle
  • Loss of Income Clause Miscellaneous vehicle
  • Loss of Income Clause Passenger carrying vehicle

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