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Health Insurance by Royal Sundaram

Royal Sundaram, a renowned name in the health insurance space, is one of the chosen insurance providers that offer comprehensive health insurance plans for you and your loved ones.

Royal Sundaram’s Accident and Health Claims received the ISO 9001-2008 certification for the best and efficient customer service

The company's health insurance policies cover 5 family members of their pre and post hospitalisation expenses, provide lifelong policy renewal benefits and offer attractive discounts for those who wish to invest in the company’s health insurance plans.

Features – Royal Sundaram Health Insurance

The features of Royal Sundaram Health Insurance are mentioned below:

  • No. of members - The plan covers maximum 5 members of your family
  • Lifelong Renewal – The plans offered are lifelong renewable, hence it saves you from the financial burden and stress caused by a medical emergency and keeps you well prepared to handle any situation.
  • Room Rent – The room rent of 2% of the sum insured is applicable for Non ICU & 4% of sum insured on ICU
  • Pre & Post hospitalization cover - The plan covers medical expenses for 30 days prior to hospitalization and 60 days post hospitalization only for related medical expenses.
  • Health Check-ups – On successful completion of 4 claim-free years, the health check-up expenses are reimbursed subject to a maximum of Rs.750 per insured person
  • Pre-existing diseases - Pre-existing diseases are covered after 3 years of waiting period.
  • Co-payment - The plan has no co-payment policy.

Benefits – Royal Sundaram Health Insurance

The benefits of buying Royal Sundaram Insurance are mentioned below:

  • Discounts: Royal Sundaram Health Insurance provides a discount of 7.5% or 12% if you opt for a 2 years and 3 years plans respectively.
  • Coverage: Offers coverage to maximum 5 family members
  • Cashless facility: Offers cashless facility with a wide network of 3000 + empaneled hospitals across the country
  • Flexibility: Offers flexibility to make the premium payments via Netbanking, Debit/Credit card etc. as per your convenience
  • Cumulative Bonus – Offers cumulative bonus if you have don’t make a claim each year. This bonus ranges from 5% up to 50%
  • Mediclaim settlement: Offers quick and hassle-free claim settlement services
  • Reload- Offers 100% reload free of cost
  • Tax benefits: Section 80C and 10(10D) under the Income Tax Act, provides tax benefits for premiums paid regularly

Products offered – Royal Sundaram Health Insurance

Royal Sundaram Health Insurance offers pocket-friendly health insurance plans with a variety of benefits offering the best care to you and your family members. The plans offered are flexible and gives you an option to choose your sum insured as per your capability.

Lifeline Health Insurance Plans

This is a type of health insurance plan that can be bought as an individual as well as family floater plan for your spouse, self and children. There are total 3 variants offered by the Royal Sundaram Lifeline Health Insurance Plans. Let’s have a look at the features of each of these plans:

Classic Lifeline Health Insurance Plan

The features of this plan are mentioned below:

BasisSelf, spouse & dependent children – maximum of 2 adults and 4 children
Entry AgeFor individual plan, the minimum entry age is 18 years and no maximum limit. For Family Floater plans, the age should be minimum 91 days and 25 years
Sum assuredRs.2 lakh to Rs..5 lakh
Policy period1, 2 or 3 years
  • Offers sum insured option from Rs.2 lakh to Rs.4 lakh
  • There is no room rent capping here and any disease specific limit
  • Offers no claim bonus of up to 50% of the amount of sum insured
  • Offers 100% reload of the sum insured absolutely free of cost for the treatment of different illnesses in the event of complete exhaustion of sum assured and NCB.
  • Offers free vaccination in case of animal bite
  • Offers free health check every 3rd policy year
  • Offers coverage for treatment of Organ Donor covered up to the sum insured.
  • Covers all day care procedures
  • Inpatient Hospitalization expenses
  • The plan covers medical expenses for 30 days prior to hospitalization and 60 days post hospitalization only for related medical expenses.
  • Covers expenses of the Ambulance up to Rs.3,000.
  • Offers coverage for domiciliary hospitalization charges covered up to the sum insured
  • AYUSH Treatment - Inpatient hospitalization covered up to Sum Insured in Government Hospitals and up to Rs.20, 000 in other hospitals.
  • Offers preventive Healthcare and Wellness.

Exclusions

Royal Sundaram Health Insurance would not be liable to settle the claim in case of the below situations. The complete list of the exclusions is mentioned here in:

  • Any pre-existing diseases would be covered only post completion of 4 year from the date of the policy issuance. These pre-existing conditions should be however declared during the policy issuance. Claims are void if there is any gap in policy renewal.
  • Any medical conditions except injuries occurred within 30 days of the policy issuance would not be covered.
  • Diseases such as Knee/Hip Replacement, Chronic Renal Failure/ End Stage Renal Failure Cataract, Benign Prostatic Hypertrophy, etc. will be covered only post completion of 2 policy years successfully

The below list mentions the permanent exclusions for coverage availed due to:

  • Convalescence and Rehabilitation
  • Wellness Clinics
  • HIV and AIDS
  • Hereditary Conditions
  • Drugs and Dressing for OPD Treatment
  • Health Hydros
  • Dental/Oral Treatment
  • Self-inflicted Injuries
  • Sexual problems and gender issues
  • Take-home use
  • Eyesight Treatment
  • Health Hydros
  • Nature Cure
  • Psychiatric and Psychosomatic conditions
  • Addictive Conditions and Disorders
  • Adventure or Hazardous Sports
  • Ageing and Puberty
  • Wellness Clinics
  • Hospitalization for Observation or Investigative purpose only
  • Items of personal comfort and convenience
  • Alternative Treatment (except AYUSH)
  • Artificial Life Maintenance, Charges for Medical Papers
  • Circumcision
  • Conflict and Disaster
  • Sexually Transmitted Diseases
  • Sleep Disorders
  • Speech Disorders
  • Stem Cell Implantation
  • Treatment for Developmental Problems
  • Treatment received outside India
  • Unrelated Diagnostic, or Injury due to Unlawful Activity
  • Cosmetic surgery
  • Congenital Conditions
  • Obesity
  • OPD Treatment
  • Preventive Care
  • Reproductive Medicine
  • Self-inflicted Injuries
  • Sexual problems and gender issues
  • Treatment for Alopecia
  • Unproven/Experimental Treatment
  • Treatment from Unrecognized Hospital or Physician

Supreme Lifeline Health Insurance

This plan is offered as both individual as well as family floater health insurance plan. The features of this plan are mentioned below:

BasisSelf, spouse & dependent children – maximum of 2 adults and 4 children
Entry AgeFor individual plan, the minimum entry age is 18 years and no maximum limit. For Family Floater plans, the age should be minimum 91 days and 25 years
Sum assuredRs.5lakh to Rs.50lakh
Policy period1, 2 or 3 years
  • Offers sum insured option from Rs.5 lakh to Rs.50 lakh
  • Offers a good facility to double your sum insured amount in 5 claim free years
  • Offers 100% reload of the sum insured absolutely free of cost for the treatment of different illnesses in the event of complete exhaustion of sum assured and NCB.
  • Offers free emergency domestic evacuation of up to Rs.1 lakh
  • Offers free vaccination in case of animal bite of up to Rs.5,000
  • Offers second opinion for 11 critical illnesses
  • Offers free annual health checkup for any family member above 18 years
  • Offers coverage for treatment of Organ Donor covered up to the sum insured.
  • Covers all day care procedures
  • Covers Inpatient Hospitalization expenses
  • The plan covers medical expenses for 60 days prior to hospitalization and 90 days post hospitalization only for related medical expenses.
  • Covers expenses of the Ambulance up to Rs.5,000.
  • Offers coverage for domiciliary hospitalization charges covered up to the sum insured
  • AYUSH Treatment - Inpatient hospitalization covered up to Sum Insured in Government Hospitals and up to Rs.30, 000 in other hospitals.
  • Offers preventive Healthcare and Wellness by giving access to networks that offers discounts to Diagnostic Centers, Pharmacies, OPD centers, GYM/Weight Management center, etc.

Exclusions:

Royal Sundaram Health Insurance would not be liable to settle the claim in case of the below situations. The complete list of the exclusions is mentioned here in:

  • Any pre-existing diseases would be covered only post completion of 3 year from the date of the policy issuance. These pre-existing conditions should be however declared during the policy issuance. Claims are void if there is any gap in policy renewal.
  • Any medical conditions except injuries occurred within 30 days of the policy issuance would not be covered.
  • Any critical illnesses that the insured contracts within 90 days of the policy issuance
  • Diseases such as Knee/Hip Replacement, Chronic Renal Failure/ End Stage Renal Failure Cataract, Benign Prostatic Hypertrophy, etc. will be covered only post completion of 2 policy years successfully

The below list mentions the permanent exclusions for coverage availed due to:

  • Convalescence and Rehabilitation
  • Wellness Clinics
  • HIV and AIDS
  • Hereditary Conditions
  • Drugs and Dressing for OPD Treatment
  • Health Hydros
  • Dental/Oral Treatment
  • Self-inflicted Injuries
  • Sexual problems and gender issues
  • Take-home use
  • Eyesight Treatment
  • Health Hydros
  • Nature Cure
  • Psychiatric and Psychosomatic conditions
  • Addictive Conditions and Disorders
  • Adventure or Hazardous Sports
  • Ageing and Puberty
  • Wellness Clinics
  • Hospitalization for Observation or Investigative purpose only
  • Items of personal comfort and convenience
  • Alternative Treatment (except AYUSH)
  • Artificial Life Maintenance, Charges for Medical Papers
  • Circumcision
  • Conflict and Disaster
  • Sexually Transmitted Diseases
  • Sleep Disorders
  • Speech Disorders
  • Stem Cell Implantation
  • Treatment for Developmental Problems
  • Treatment received outside India
  • Unrelated Diagnostic, or Injury due to Unlawful Activity
  • Cosmetic surgery
  • Congenital Conditions
  • Obesity
  • OPD Treatment
  • Preventive Care
  • Reproductive Medicine
  • Self-inflicted Injuries
  • Sexual problems and gender issues
  • Treatment for Alopecia
  • Injury caused due to Unlawful activity
  • Unproven/Experimental Treatment

Elite Lifeline Health Insurance

This plan is offered as both individual as well as family floater health insurance plan. The features of this plan are mentioned below:

BasisSelf, spouse & dependent children – maximum of 2 adults and 4 children
Entry AgeFor individual plan, the minimum entry age is 18 years and no maximum limit. For Family Floater plans, the age should be minimum 91 days and 25 years
Sum assuredRs.25lakh to Rs.1 crore
Policy period1, 2 or 3 years
  • Offers sum insured option from Rs.25 lakh to Rs.150 lakh
  • Offers a good facility to double your sum insured amount in 5 claim free years
  • Offers 100% reload of the sum insured absolutely free of cost for the treatment of different illnesses in the event of complete exhaustion of sum assured and NCB.
  • Offers free emergency domestic evacuation of up to Rs.3 lakh
  • Offers coverage to the new born and the maternity expenses for up to 2 deliveries
  • Offers OPD treatment up to Rs.10, 000
  • Offers world-wide emergency hospitalization
  • Offers free vaccination in case of animal bite of up to Rs.7, 500
  • Offers international treatment for 11 critical illnesses which are specified including the return airfare
  • Offers free annual health checkup for any family member above 18 years
  • Offers coverage for treatment of Organ Donor covered up to the sum insured.
  • Covers all day care procedures
  • Covers Inpatient Hospitalization expenses
  • The plan covers medical expenses for 60 days prior to hospitalization and 180 days post hospitalization only for related medical expenses.
  • Covers expenses of the Ambulance up to Rs.10,000.
  • Offers coverage for domiciliary hospitalization charges covered up to the sum insured
  • AYUSH Treatment – Offers coverage for inpatient hospitalization up to Sum Insured in Government Hospitals and up to Rs.50, 000 in other hospitals.
  • Offers preventive Healthcare and Wellness by giving access to networks that offers discounts to Diagnostic Centers, Pharmacies, OPD centers, GYM/Weight Management center, etc.

Exclusions

Royal Sundaram Health Insurance would not be liable to settle the claim in case of the below situations. The complete list of the exclusions is mentioned here in:

  • Any pre-existing diseases would be covered only post completion of 2 year from the date of the policy issuance. These pre-existing conditions should be however declared during the policy issuance. Claims are void if there is any gap in policy renewal.
  • Any medical conditions except injuries occurred within 30 days of the policy issuance would not be covered.
  • Any critical illnesses that the insured contracts within 90 days of the policy issuance
  • Diseases such as Knee/Hip Replacement, Chronic Renal Failure/ End Stage Renal Failure Cataract, Benign Prostatic Hypertrophy, etc. will be covered only post completion of 2 policy years successfully

The below list mentions the permanent exclusions for coverage availed due to:

  • Convalescence and Rehabilitation
  • Wellness Clinics
  • HIV and AIDS
  • Hereditary Conditions
  • Drugs and Dressing for OPD Treatment
  • Health Hydros
  • Dental/Oral Treatment
  • Self-inflicted Injuries
  • Sexual problems and gender issues
  • Take-home use
  • Eyesight Treatment
  • Health Hydros
  • Nature Cure
  • Psychiatric and Psychosomatic conditions
  • Addictive Conditions and Disorders
  • Adventure or Hazardous Sports
  • Ageing and Puberty
  • Wellness Clinics
  • Hospitalization for Observation or Investigative purpose only
  • Items of personal comfort and convenience
  • Alternative Treatment (except AYUSH)
  • Artificial Life Maintenance, Charges for Medical Papers
  • Circumcision
  • Conflict and Disaster
  • Sexually Transmitted Diseases
  • Sleep Disorders
  • Speech Disorders
  • Stem Cell Implantation
  • Treatment for Developmental Problems
  • Treatment received outside India
  • Unrelated Diagnostic, or Injury due to Unlawful Activity
  • Cosmetic surgery
  • Congenital Conditions
  • Obesity
  • OPD Treatment
  • Preventive Care
  • Reproductive Medicine
  • Self-inflicted Injuries
  • Sexual problems and gender issues
  • Treatment for Alopecia
  • Injury caused due to Unlawful activity
  • Unproven/Experimental Treatment

Family Good Health Insurance Plan

This plan is offered as both individual as well as family floater health insurance plan. The features of this plan are mentioned below:

BasisSelf, spouse & dependent children – maximum of 2 adults and 3 children
Entry AgeMinimum 91 days and maximum 21 years
Sum assuredRs.2lakh, 3 lakh or 4 lakh
Policy period1 or 2 years
  • Offers sum insured option from Rs.2 lakh, Rs.3 lakh and Rs.4 lakh
  • There is no room rent capping here and any disease specific limit
  • Offers coverage for OT charges, charges for equipment and supplies, doctor’s charges etc.
  • Offers coverage for any pre-existing diseases post a waiting period of 48 months
  • Offers a daily cash allowance of Rs.500 per day of hospitalization
  • Offers benefit of convalescence
  • Offers access to specified day care procedures
  • Covers expenses of the Ambulance up to Rs.1,000.
  • The plan covers medical expenses for 30 days prior to hospitalization and 60 days post hospitalization only for related medical expenses.
  • Offers free health checkup charges of up to Rs.750 per insured member post a successful completion of 4 years
  • Offers cash allowance of Rs.10,000 per day post 21 days of hospitalization
  • Inpatient Hospitalization expenses

Exclusions

Royal Sundaram Health Insurance would not be liable to settle the claim in case of the below situations. The complete list of the exclusions is mentioned here in:

The below list mentions the permanent exclusions for coverage availed due to:

  • Convalescence and Rehabilitation
  • Wellness Clinics
  • HIV and AIDS
  • Hereditary Conditions
  • Drugs and Dressing for OPD Treatment
  • Health Hydros
  • Dental/Oral Treatment
  • Self-inflicted Injuries
  • Sexual problems and gender issues
  • Take-home use
  • Eyesight Treatment
  • Health Hydros
  • Nature Cure
  • Psychiatric and Psychosomatic conditions
  • Addictive Conditions and Disorders
  • Adventure or Hazardous Sports
  • Ageing and Puberty
  • Wellness Clinics
  • Hospitalization for Observation or Investigative purpose only
  • Items of personal comfort and convenience
  • Alternative Treatment (except AYUSH)
  • Artificial Life Maintenance, Charges for Medical Papers
  • Circumcision
  • Conflict and Disaster
  • Sexually Transmitted Diseases
  • Sleep Disorders
  • Speech Disorders
  • Stem Cell Implantation
  • Treatment for Developmental Problems
  • Treatment received outside India
  • Unrelated Diagnostic, or Injury due to Unlawful Activity
  • Cosmetic surgery
  • Congenital Conditions
  • Obesity
  • OPD Treatment
  • Preventive Care
  • Reproductive Medicine
  • Self-inflicted Injuries
  • Sexual problems and gender issues
  • Treatment for Alopecia
  • Injury caused due to Unlawful activity
  • Unproven/Experimental Treatment

Royal Smart Cash Plan Insurance

This plan offers a regular health cover wherein a certain amount is made available for 24 hours of hospitalization. This amount could be utilized for travel expenses, accommodation of the attendant and related expenses.

The features of this plan are mentioned below:

BasisSelf, spouse & dependent children – maximum of 2 adults and 4 children
Entry AgeFor individual plan, the minimum entry age is 91 days and the maximum limit is 70 years.
Sum assuredVaries
  • Offers coverage for a period of 180 days including any treatment to be taken abroad while on an official visit or on a holiday.
  • You can avail the Smart Cash Plan through different plans including daily benefits that range between Rs.500 to Rs.10, 000/- each day of hospitalization, beyond a period of 24 hours.
  • Offers a lump sum amount of Rs.10, 000 in case the hospitalization goes above 15 days.
  • The daily cash benefit is doubled in case the hospitalization involves due to air/road/ or rail accident, for a maximum period of 15 days.
  • The cost reimbursement benefit for health check-up is applicable depending upon the plan that is chosen.
  • Offers lump sum amount in case the insured gets diagnosed by critical illness listed as per the policy wordings
  • Offers coverage in case of a family member’s emergency visit from abroad depending on the specific plans
  • Offers parental accommodation in case the insured hospitalized is less than 12 years old. This benefit is offered in addition to the hospitalization benefit as per the selected plan.
  • Offers riders like personal accident benefit with an additional amount

Exclusions

Royal Sundaram Health Insurance would not be liable to settle the claim in case of the below situations. The complete list of the exclusions is mentioned here in:

The below list mentions the permanent exclusions for coverage availed due to:

  • Convalescence and Rehabilitation
  • Wellness Clinics
  • HIV and AIDS
  • Hereditary Conditions
  • Drugs and Dressing for OPD Treatment
  • Health Hydros
  • Dental/Oral Treatment
  • Self-inflicted Injuries
  • Sexual problems and gender issues
  • Take-home use
  • Eyesight Treatment
  • Health Hydros
  • Nature Cure
  • Psychiatric and Psychosomatic conditions
  • Addictive Conditions and Disorders
  • Adventure or Hazardous Sports
  • Ageing and Puberty
  • Wellness Clinics
  • Hospitalization for Observation or Investigative purpose only
  • Items of personal comfort and convenience
  • Alternative Treatment (except AYUSH)
  • Artificial Life Maintenance, Charges for Medical Papers
  • Circumcision
  • Conflict and Disaster
  • Sexually Transmitted Diseases
  • Sleep Disorders
  • Speech Disorders
  • Stem Cell Implantation
  • Treatment for Developmental Problems
  • Treatment received outside India
  • Unrelated Diagnostic, or Injury due to Unlawful Activity
  • Cosmetic surgery
  • Congenital Conditions
  • Obesity
  • OPD Treatment
  • Preventive Care
  • Reproductive Medicine
  • Self-inflicted Injuries
  • Sexual problems and gender issues
  • Treatment for Alopecia
  • Injury caused due to Unlawful activity
  • Unproven/Experimental Treatment

Claims process – Royal Sundaram Health Insurance

There are two ways to make claim under a Health Insurance Policy:

a.) Cashless basis

b.) Reimbursement basis

In simple terms, for making a claim on cashless basis, the treatment must be done only at a network hospital of the insurance company servicing your policy. For availing the treatment, you would have to first seek an authorization as per the procedures laid down and in the prescribed form.

In case of claims on reimbursement basis, the insurance company has to be informed as per their prescribed procedures. The policyholder has to ensure that documents such as claim form, discharge summary, prescriptions and bills to be submitted for the claim on reimbursement are obtained after hospitalization.

Royal Sundaram Health Insurance has a well-defined claim processing system.

Important details required for claim intimation

  • Health Insurance Policy number
  • Phone no., email id, address, landmark etc. of the insured/claimant
  • Name of Insured/claimant who is admitted in the hospital
  • Relationship of insured with the person who is hospitalized.
  • Name of the hospital
  • Nature of ailment (For health claims)
  • Nature of accident, date, time and location of the incident (For accident cases)
  • Commencement date of the symptom of ailment

Contact details for Claim intimation

The contact details for successful, quick and hassle-frees claim settlement are mentioned below:

  • 24 x 7 Toll Free: 1800-425-6645

  • Email: customer.services@royalsundaram.in

  • Health Claims Department , Royal Sundaram General Insurance Co Ltd, Vishranthi Melaram Towers, No.2/319, Rajiv Gandhi Salai (OMR) Karapakkam, Chennai – 600097

  • Contact details of Service Provider:

Europ Assistance India Pvt Ltd, 301, C Wing, Business Square, Andheri Kurla Road, Chakala, Andheri (East), Mumbai – 400093, Contact No: +91-22-67872035 Email: rsalifeline@europ-assistance.in

Claim Process - Cashless Service (For Domestic Claims)

  • In case of a planned hospitalization, kindly intimate the TPA. It is important to seek cashless authorization at least 72 hours prior to hospitalization.
  • In case of any emergency hospitalization, it is important to inform TPA within 24 hours of the hospitalization.
  • Fill in the cashless authorization form within 3 hours given by the TPA post checking your coverage. Your eligibility for the claim too would be verified. Attach your documents and send the form within 3 hours back to the TPA. The TPA would get in touch with you within 4 hours of your receipt of the documents in case of a deficiency
  • Immediately make the payment of the non-medical charges and expenses which are not covered to the hospital prior to the discharge
  • You would receive a rejection letter within 2 hours in case your ailment or treatment is not covered under the health insurance plan

Claim Procedure for Cashless facility (for Worldwide Emergency Hospitalization)

  • Inform the service provider 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 Service Provider will get in touch with the 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.
  • Any additional charges approved by the service provider would be paid by the insured

Claim Procedure for Reimbursement

  • The claim form duly filled and signed needs to be sent to the Royal Sundaram Health Insurance within 30 days from the date of discharge
  • In case of any discrepancy in the documents/information submitted by you, you will receive a deficiency letter within 7 days from the date of receipt of the documents from Royal Sundaram Health Insurance
  • If there is no deficiency of the received documents, Royal Sundaram Health Insurance would make the payment of your admissible amount within 30 days as per the policy terms and conditions
  • The payment will be made in the name of the proposer.
  • You need to send across the Claim documents to: Health Claims Department , Royal Sundaram General Insurance Co Ltd, Vishranthi Melaram Towers, No.2/319, Rajiv Gandhi Salai (OMR) Karapakkam, Chennai – 600097

Claim Procedure for International Treatment for 11 specified Critical Illnesses

  • The insured should immediately inform the service provider post diagnosis of a Specified Critical Illness. The same needs to be informed also before travelling overseas for the treatment. You may call on the helpline number specified in the Schedule of Insurance Certificate requesting for a pre-authorization for the treatment.
  • 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 Service Provider will get in touch with the 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.
  • Any additional charges approved by the service provider would be paid by the insured In case of any emergencies, you need to inform Royal Sundaram Health Insurance within 24 hours of the admission. In case of planned emergencies, the notification has to reach the company 48 hours prior to the hospitalization. Note: If you are a Coverfox customer, you can directly reach out to us for all your claim-related issues and queries.

Review

Royal Sundaram Health Insurance offers an array of reasonably priced health insurance policies. Their plans are made-to-measure to shield you against your mounting financial responsibilities towards your family during and after hospitalization and medical treatments. They boast of a very good claim settlement ratio amongst other private insurers. Their continuous efforts to offer excellent customer service is their ultimate performance. Royal Sundaram General Insurance Company was one of the first private insurance company to tie up with banks to sell their retail products.

Hence, if you are scouting for an insurer who will deliver dependability, competence and brilliant post sales services in consort with the products specific to your requirements, Royal Sundaram Health Insurance is a won over alternative.

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