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Royal Sundaram General Insurance Company Limited

Royal Sundaram General Insurance Co. Limited (previously known as Royal Sundaram Alliance Insurance Company Limited), is a subsidiary of Sundaram Finance. Royal Sundaram provides general insurance solutions to individuals, families and businesses directly as well as through its intermediaries and affinity partners.

Its distribution channel is wide spread across 125 cities across India.

The company portfolio range from Motor, Health, Personal Accident, Home and Travel Insurance to individual customers and also offers specialised insurance products in Fire, Marine, Engineering, Liability and Business Interruption risks to commercial customers.

Interesting Facts about Royal Sundaram General Insurance

  • Royal Sundaram General Insurance Co. Limited became the first private sector general insurance company in India to be licensed in October 2000 by the Insurance Regulatory and Development Authority of India.
  • The company's Accident and Health claims process was awarded ISO 9001-2008 certification for effective customer service delivery.
  • It also won the "Celent Model Insurer Asia Award" for 2013 and 2014 for developing an intelligent claims management system that helps develop staff productivity and increases customer satisfaction.

Product Portfolio – Royal Sundaram General Insurance

Motor Insurance

Royal Sundaram understands the importance of having a good protection for your vehicle and thus offers a comprehensive motor insurance package with wide spread garage network.

Car Insurance Policy: Royal Sundaram offers third party and comprehensive car insurance policy for brand new car, renew of existing or lapsed policy from other Insurer or of its own. The Royal Sundaram car insurance policy can be purchased online through its website. Its car insurance policy comes with various benefits which include free vehicle inspection at home, 24/7 roadside assistance, tow service, round the clock helpline, dedicated personal relationship manager for claims. You can also transfer No Claim Bonus (NCB) from another insurance company when renewing a policy with Royal Sundaram.

Two Wheeler Insurance Policy: The two wheeler policy provides comprehensive protection for total or partial loss to your two wheeler due to natural calamities or man-made calamities. It includes liability against third party and personal accident cover for you up to INR 1 lakh and for pillion riders. It offers long term coverage of up to 3 years for two wheeler in single insurance. The two wheeler policy can be purchased online for new two wheeler or for renewal of existing or lapsed policy.

Health Insurance

Royal Sundaram’s aim is to offer affordable health insurance plans with a wide range of benefits to take care of you and your family. Its health insurance plans are flexible with different sum insured options to suit individual needs. It has basic health insurance to specialist medical insurance plans which also include maternity benefits. It has over 3000 network hospitals that offer cashless hospitalisation. Royal Sundaram Health Insurance policies offer life time renewal to keep you covered even in later stages of life.

Lifeline Classic: Lifeline classic is a comprehensive affordable health insurance plan for you and your family. It can be taken as an individual plan or family floater covering self, spouse and children. Entry age for this plan is 18 years. The plan comes with sum insured options of INR 2, 3 or 4 lakhs. Lifeline Classic offers selection of benefits along with significant health cover for certain illnesses, medical conditions and critical health situations. It has no claim bonus of up to 50% of sum insured.

Lifeline Supreme : Lifeline Supreme is health insurance plan that provides comprehensive coverage including health and wellness benefits for you and your family. The policy offers substantial health cover along with additional healthcare benefits to cover treatment of severe health conditions and/or critical illness. The plan comes with sum insured of 5 Lacs, 10 Lacs, 15 Lacs, 20 Lacs and 50 Lacs. It is also India’s first insurance health plan to offer domestic evacuation for more suitable treatment. The plan comes with reload of sum insured at no extra cost and no claim bonus benefits.

Lifeline Elite: Lifeline Elite is a top end plan which provides health care coverage in India as well as abroad. The plan comes with high sum insured options of Rs.25 lacs, Rs.30 lacs, Rs.50 lacs, Rs.1 crore and Rs.1.5 crores. Lifeline Elite comes with a wide range of medical benefits including critical illnesses, international treatment, maternity expenses (covers up to 2 deliveries if both husband and wife are covered under the same family floater policy), severe medical conditions and accidents. Lifeline Elite Plan is a holistic health insurance plan that offers extensive health cover along with an assortment of medical care benefits.

Travel Insurance

Royal Sundaram travel insurance ensures that you do not experience any form of discomfort when travelling abroad for a vacation or business trip. It understands the risks associated with overseas travel and has designed their travel insurance to protect you from unforeseen circumstances that include medical and non-medical emergencies. The coverage provided by Royal Sundaram travel insurance includes health cover, inconvenience caused during trip loss of baggage, essential documents etc, home insurance, accident, liability, transportation of mortal remains. It also has automatic extension facility of 7 days for unexpected delays.

Single trip travel insurance: This travel plan commences as soon as you board the flight for your trip and is valid until you return. The cover may also terminate in accordance with your insurance period for which the premium has been paid. This cover can be availed for a period of 180 days.

Multi trip travel insurance for multiple trips : This travel plan has a validity of 365 days. Under this plan the coverage is given for innumerable trips throughout the year. The condition is your trip should not exceed 45 days and the total number of days spent abroad should not exceed 180 days.

Other plans offered by Royal Sundaram General Insurance

Home Insurance

Individual Personal Accident

Business Insurance

Royal Sundaram General Insurance Claim Process

Royal Sundaram endeavours to provide the highest quality services to all its customers. The claim procedures for general insurance have been made to keep it simple, convenient, fair and quick.

Motor Insurance Claims Process

  • The company should be notified as soon as the claim occurs on
    • Phone - 1860 425 0000
    • Email - customer.services@royalsundaram.in
  • The customer service executive will assist with the claims procedure which will be filling the claim form and submitting back to the insurance company
  • The insurance company would then arrange for a surveyor to assess the loss.
  • The policy holder will have to submit the relevant documents and the claim would be settled.

Health Insurance Claims Process

  • Planned hospitalisation: To inform TPA at least 48 hours before the hospitalisation and 72 hours for cashless authorisation
  • Emergency hospitalisation: To inform TPA within 24 hours of the hospitalisation.
  • Contact address:
    • 24 x 7 Toll Free: 1800-425-6645
    • Email: customer.services@royalsundaram.in
  • Details during intimation:
    • Name of the patient (insured person)
    • Diagnosis
    • Hospital Details - Name, Address, Contact No
    • Treating Doctor Details - Name & Contact No
    • Date of Hospitalization
    • Expected Discharge

Travel Insurance Claims Process

For making travel insurance claims you will need to contact on the below number for assistance

Paramount's Alarm Centre or its Assistance Co-operation Partners through Paramount Alarm Centre, by calling 91-022-6751 5515 Or 91-022-6662 0863 Or 91-022-4000 4219 and inform us about the hospitalisation. If you are in USA, you can also call 001 866 9785 205 to inform our TPA.

For verification, you will be asked policy number and passport number

Review of Royal Sundaram General Insurance

Royal Sundaram General Insurance is a complete general insurance company offering innovative products. It has received various awards and accolades in the past few years for its well-designed insurance products. With over 5.20 million customers and wide spread network, it is one of the leading general insurance company in India.

Contact Details of Royal Sundaram General Insurance

CUSTOMER SERVICE: Call us at: 1860 425 0000 Email: customer.services@royalsundaram.in


Royal Sundaram General Insurance Co. Limited No.21, Patullos Road,Chennai - 600 002


Royal Sundaram General Insurance Co. Limited

Vishranthi Melaram Towers

No.2/319, Rajiv Gandhi Salai(OMR)

Karapakkam,Chennai - 600097

Tel: 91-44-7117 7117Fax: 91-44-7113 7114

Website: https://www.royalsundaram.in/

FAQs on Royal Sundaram General Insurance

Which discounts are available under two wheeler policy?

The discounts available under two wheeler insurance policy are:

  • Voluntary Deductible discount
  • No Claim Bonus
  • Automobile Association Discount

What is NCB in two wheeler insurance?

No claim bonus is a reward for not filling any claim in the previous year. It is given to the policy holder on renewal of policy. The NCB starts with 20% and can be accumulated over period of insurance for up to 50%.

Who can be covered under travel insurance policy?

Eligibility of travel insurance is an Indian national above the age of 3 months and below the age of 71 years. The mandatory condition is the trip should start from India.

What expenses in a hospital are not covered under health insurance policy?

Expenses that are not related to hospitalisation are not covered under health insurance policy. Refer to the policy document of your health plan for detail list of exclusions.

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