Travel plans that are so cheap, you'd not think twice before making a trip.

Royal Sundaram Travel Insurance

Royal Sundaram is a widely known insurance company among the Indian Insurance Industries. It is the foremost private sector general insurance company that offers customizable insurance products to provide suitable solutions that fit the customers varied needs and requirements. Along with this, Royal Sundaram is also the first insurance company to bring into existence the idea of cashless claims.

The company is extensively known for its easy claim settlement process, top notch services and creative products. Royal Sundaram’s Travel Insurance policies not only shield you from medical or non-medical expenses that could result in unforeseen situations while you travel abroad, but also helps in circumstances like loss of important documents, hospitalization due to sickness, etc. This travel insurance helps one during the financial burden you may face in such times. Royal Sundaram has launched ‘Travel Secure’, which is an all-inclusive travel insurance plan that provides travel care solutions to each perceptive traveller.

Features and Benefits of Royal Sundaram’s Travel Insurance

In addition to the various features and benefits of this plan, the most significant feature of Royal Sundaram Travel Insurance policies is that it offers coverage to you from country perspective, a valid visa for your travel to that particular country must be obtained.

This coverage is categorised under the following options:

  • Worldwide encompassing America, North-America, South-America, Central-America as well as Canada. Alternatively, Schengen countries can also be included.
  • Worldwide apart from America (can include Schengen countries)
  • All over Asia, excluding Japan and Korea
  • Korea and Japan coverage offered under the alternative of Worldwide Including or excluding America category

Types of Royal Sundaram Travel Insurance Plans

Royal Sundaram offers five basic types of travel insurance plans that are specifically established to comply with the customers’ requirements. These five plans are namely, the Leisure trip travel insurance policy, Multi trip travel insurance policy, Student travel insurance policy, Asia travel insurance policy and the Senior Citizen travel insurance policy. Given below is a detailed information regarding these travel insurance policies.

Leisure Trip Travel Insurance Policy:

Leisure Trip Travel Insurance Policy is an all-encompassing travel insurance plan for a holiday or travel abroad. Often, while planning a vacation or a holiday trip abroad, we focus on things like booking a hotel, places to see, local market shopping, etc. However, we forget to plan for and focus on the most common situations like sudden flight delays, hospitalization in that new place and unfortunate accidents. Leisure travel plan assists you in obtaining complete coverage while planning your vacation or holiday abroad. In this manner, you will be less stressed in such circumstances.

Features and benefits of Leisure Trip Travel Insurance Policy:

  • Medical expenses - Medical expenses could be Hospitalisation cost, Doctors charges, medical transportation charges, OPD, any medical expenses for illness or injury. Medical expenses as a result of pre-existing diseases are not covered. Medical evacuation expenses are covered only when approval is obtained from the company.

  • Daily cash allowance - In case of hospitalization for more than two days for each completed and continuous 24 hours of hospitalization, a lump sum amount is payable. The limit for the benefit payable is specifically mentioned in the policy document. Daily cash allowance is payable when a claim in the medical expenditure section clearly mentioned under the policy for the specified hospital is admissible.

  • Accidental death and dismemberment -During the trip, if the customer faces death or any kind of disability within 12 months of the injury sustained during the trip, then insurance benefits will be provided. 100% of the sum insured will be paid by the insurance company in case of death, total permanent disability of both hands and feet, loss of complete eye sight, one full hand and foot, speech/hearing loss in both ears and quadriplegia. 50% of the sum insured will be payable in the case of total permanent loss or disability of either one hand or leg, sight of one eye, speech, hearing in both ears, paraplegia and hemiplegia. 25% of the sum insured will be payable in the case of total permanent loss or disability of thumb and index finger of the same hand and uniplegia.

  • Loss of checked-in baggage - As per the limits specified in the policy, the insurance company will provide reimbursement if the insured facing a total loss of his or her checked-in baggage which was under the security of the carrier. The maximum amount for reimbursement of each bag is 50% of the sum insured and the maximum value for each article in the bag is 10% of the sum insured.

  • Delay in trip - If the carrier is delayed for more than six continuous hours due to any type of covered occurrence, a lump sum is payable by the insurance company. A covered occurrence is that which included delays due to earthquake, landslide, typhoon, hurricane, tsunami, terrorism, rocks, avalanche, floods, volcanic eruption, storm, lightning, subsidence or inundation.

Eligibility of Leisure Trip Travel Insurance Policy:

  • Entry age - Minimum age must be 18 years and maximum age must be 70 years. Under the leisure trip travel insurance plan, the minimum entry age for a child is 91 days.

  • Health condition - You must be in good health condition at the time of buying travel insurance.

Exclusions of Leisure Trip Travel Insurance Policy:

The insurance company is not liable to make payments in the following situations:

  • Claims made prior to the beginning of the policy cover or exceeding the duration of the insurance period.
  • Claims made for pre-existing conditions. However, in this case a maximum of 2000 USD is payable to the insured only in the event of a life-threatening emergency situation.
  • Claims following the cause of sickness or disease or accident that the insured has caused intentionally and by committing a crime such as drugs or alcohol.
  • Claims as a result of any mental disorder, suicide or self-inflicted harm and injury.

Multi Trip Travel Insurance Policy:

A Multi Trip Travel Insurance policy is a yearly plan that is tailored to meet the requirements of a frequent flying business person.

Features and benefits of Multi Trip Travel Insurance Policy:

  • Sickness dental relief - As per the limits specified under this policy, the insurance company will provide financial coverage for the expenses resulting from sickness due to sound natural teeth while you are on a trip abroad.

  • Repatriation of mortal remains -If the insured passes away during the trip as a result of injuries or any illness, the insurance company will reimburse for the expense of transportation for the purpose of returning the mortal remains of the deceased to his or her place of staying in India or the burial and cremation expenses in the country where the insured passed away. All these expenses will be according to the limits mentioned under this policy.

  • Political risk and catastrophe evacuation - In such cases, the insurance company will provide reimbursement for the cost of travelling expenses of the insured to his or her resident country, travelling expenses to the nearest safe place upto the expense of an economy class airline ticket, accommodation costs and 300 USD per day for not more than 7 days, only if he or she has been unable to reach his resident country.

  • Bounced hotel or airline booking - When the booking is bounced, the insurance company will provide reimbursement for the additional expenses incurred for booking another flight, commuting to another hotel, and any upgrade cost.

Eligibility of Multi Trip Travel Insurance Policy:

  • Entry age - Minimum age of the prospective client must be 18 years and maximum must be 70 years. The maximum age at entry for a child must be 91 days.

  • Health - You must be in good health condition.

  • Duration of the policy - The Multi Trip Travel policy is available for a period of 365 days i.e. annual. The maximum duration of every trip limit within is 30,45,60 and 90 days. Days spent abroad should not exceed 180 days.

Exclusions of Multi Trip Travel Insurance Policy:

  • Any claim exceeding the limits mentioned in the policy document.

  • Claims for dangerous activities and sports.

  • Diseases or illnesses or accidents caused due to war or invasion, civil commotion, etc.

  • Claims made for any losses as a result of driving or riding a vehicle as a driver unless, at the time of the accident, the insured has his or her international driving license as well as wearing a safety helmet and abides by all the rules of the respective country.

Student Travel Insurance Policy:

This plan is structured for students who are going abroad for the purpose of studying.

Features and benefits of Student Travel Insurance Policy:

  • Study interruption - The insurance company will reimburse the tuition fees already paid to the educational institution of a particular semester in a situation where the insured cannot continue studies for the balance part of the semester, if the insured student is hospitalized for a consecutive month due to an injury, disease, sickness or medical rehabilitation/ return or even in the case of death of the insured family member.

  • Sponsor shield - The insurance company will compensate for the tuition fees expense of the remaining duration of that education until the maximum limit as per the policy, only if the insured students sponsor suffers an injury that leads to death or permanent disability as mentioned in the policy.

  • Bail bond - The insurance company will pay bail bond expenses for the insured student, in case he or she is jailed by the government or any foreign authority for any unintentional law violation, untrue arrest or misinterpreted detention during his or her travel abroad.

  • Maternity advantages - Medical expenses with respect to termination of pregnancy as advised by a doctor and not of one’s own will, will be covered by the insurance company. However, there is a waiting period of 10 months from the date of commencement of the insurance policy.

Eligibility of Student Travel Insurance Policy:

  • Entry age - Minimum age of the proposer must be 18 years and maximum age must be 40 years. Minimum age at entry of children i.e. the insured person must be 12 years.

  • Health - Student needs to be in a good health condition.

  • Renewals - The company permits 6 renewals.

Exclusions of Student Travel Insurance Policy:

  • Claims overriding the limits of the policy.

  • Claims resulting from any sport activities like competing, participating or training for competitions professionally.

Asia Travel Insurance Policy:

A unique policy especially for travel in Asia. Royal Sundaram Secure-Asia Plan is an affordable travel insurance plan exclusively for travel within Asia which offers comprehensive coverage to individuals travelling to any Asian countries (except Japan and Korea) from India.

Product Benefits - Key Highlights

The key benefits and features of this plan are: Deductible Limits

Benefits (in USD)Deductible
Sum Insured (in USD)50000
Medical Expenses (including medical evacuation)50000100
Sickness Dental Relief500100
Accidental Death and Dismemberment Benefit (24 hrs)10,000Nil
Accidental Death and Dismemberment Benefit (Common Carrier)5000Nil
Repatriation of Mortal Remains5000Nil
Delay of Checked-in Baggage1006hrs
Loss of Checked-in Baggage (Per Baggage maximum 50 % and per item in the baggage 10 %)500Nil
Loss of Passport250USD25
Personal Liability100,000USD200
Trip Delay BenefitUSD 30 per 12 hrs to max USD180after 6 hrs
Hijacking BenefitUSD100/day for max 6 daysafter 12 hrs
Emergency Cash Advance (Cash Advance Would include delivery charges)500Nil
Trip Cancellation5000
Compassionate Visit50000
Assistance ServicesIncluded

What is Covered?

  • Medical Expenses (including Medical Evacuation)
  • Sickness Dental Relief
  • Accidental Death & Dismemberment (24 hours)
  • Accidental Death & Dismemberment (Common carrier)
  • Repatriation of Mortal Remains
  • Delay of Checked-in Baggage
  • Loss of Checked-in Baggage
  • Loss of Passport
  • Personal Liability
  • Trip Delay
  • Covered occurrence (Natural Disasters) shall mean the following - Earthquake, Lightning, Storm, Tempest, Typhoon, Hurricane, Inundation, Subsidence, Landslide and rockslide, Avalanche, Floods resulting from unseasonal rains, storm or cyclone, Terrorism, Tsunami and Volcano Eruption
  • Hijacking Benefit
  • Trip Cancellation
  • Compassionate Visit
  • Assistance Services

Eligibility of Asia Travel Insurance Policy:

  • Entry age: Minimum age must be 18 and maximum age is 70 years. Minimum age at the time of entry for children must be 91 days.

  • Health: The policyholder needs to be in good health condition.

Senior Citizen Travel Insurance Policy:

A policy specifically tailored for individuals of 71 age and above.

Eligibility of Senior Citizen Travel Insurance Policy:

  • Entry age: Minimum age of the insured person must be 71 years and maximum have no limit. While, the minimum age of the proposer must be 18 years.

  • Health: You need to be in good health condition.

  • Medical reports are needed for SI of 1,00,000 USD.

Exclusions of Senior Citizen Travel Insurance Policy:

  • Claims made for self-harm and injuries or suicide.
  • Claims made for intentional accidents or illness because of the insured or executing a crime in a drunken state.
  • Claims made for pre-existing medical conditions.
  • Any claims made for war-related illness or accidents.

Royal Sundaram Travel Insurance Claims Process

In case of a claim, all relevant documents have to be submitted to the Assistance Service Provider within a period of 30 days from the date of return to the Country of Residence of the Insured person. You need to contact the insurer immediately in case of a medical/accidental emergency.

  1. Post submission of the claim form and the relevant documents, the claims reimbursement will be processed further.
  2. Reimbursement of all claims will be in Indian Rupees

Documents required for claims processing:

  • Original Claim form
  • Attending Medical Practitioner’s remarks
  • Original bills and vouchers
  • Air ticket copy and boarding pass
  • Copy of passport indicating travel dates together with visa stamping and entry and exit stamping
  • KYC documents (address proof and ID proof for all claims exceeding Rs. 1,00,000/-
  • Cancelled cheque leaf/NEFT details
  • Bills/ Prescriptions/vouchers/ reports/ discharge summary must contain the name of the person treated, the type of illness, details of the individual items of medical treatment provided and the dates of treatment.


Royal Sundaram’s Travel Insurance plans take care of your routine essential trips like vacations, holidays, business trips and so on. It is imperative to safeguard yourself and your family on trips like these. Its special features and benefits shield you and your family and thus, keep you secured in adversaries.

FAQs On Royal Sundaram Travel Insurance

How can I Renew my Royal Sundaram Travel Insurance Plan?

In order to renew your insurance plan, one can either renew their policy online by just clicking on the Insta Renew icon or one can even call the customer service helpline number for the same. This has to be done much before the expiry period of the policy.

What are the Types of Documents required to buy a Royal Sundaram Travel Insurance Policy?

The basic documents required to buy the Royal Sundaram Travel Insurance Policy are your KYC documents - Aadhaar Card, Pan Card, Passport number and Medical reports as specified.

What is Exclusion of Royal Sundaram’s Travel Insurance Policy?

There are three exclusions within this Travel Insurance Policy - if a war has taken place within the particular place where the customer is residing and has incurred losses, if the policy holder is treated in the hospital for pre-existing diseases or if the baggage has turned up late but before 24 hours.

What is Claim Process of Royal Sundaram’s Travel Insurance Policy?

In order to make a claim for your travel insurance policy, the policy holder will have to fill the travel claim form and forward it to the company along with the documents that are specified.

How to apply for Royal Sundaram’s Travel Insurance Policy?

One can apply for the policy by just providing your details on the form specified and they will get a revert from the company with a quote.

What is the Policy Cancellation Process?

You can cancel the policy within 15 days from the date of receipt of the new policy document. If you have any objections to any of the terms and conditions, he/she has the option to cancel the policy stating the reason for cancellation at any of the nearest Royal Sundaram branches.