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We request you to carefully read and understand the Terms and Conditions, before you buy the Policy. All claims are processed strictly according to it. Please speak or chat with our Customer Support Team, if you need any clarification.
Royal Sundaram offers its esteemed customers a comprehensive car insurance policy that helps secure vehicles against any form of damage, resulting from accidents or calamities. You can now avail a free insurance quote online, along with a plethora of other features such as 100 percent insurance cover on your invoice, free road-side assistance and cashless claims from network garages across India.
For the ultimate protection of your car, Royal Sundaram has introduced Car Shield, the unique car insurance policy that offers great add-on covers for the purpose of safeguarding your vehicle. Now you can stop worrying about your prized possession because this policy is specifically created, keeping in mind all your requirements. Car Shield understands your unique needs and in turn provides you superior protection like no other!
This highly beneficial policy ensures overall protection for your car, designed to protect you through most irreversible circumstances such as car accidents and theft. This policy is recommended to safeguard your car from damages caused by another vehicle, including subsequent injuries or damages incurred by 3rd parties. Mentioned below is a list of the coverage offered by the policy:
Royal Sundaram provides you with the finest deals along with various cash-saving offers that you need to avail right away! Our hassle-free plan includes the following:
Car Shield Key Features
Whereas the Insured by a proposal and declaration dated as stated in the Schedule which shall be the basis of this contract and is deemed to be incorporated herein has applied to the Company for the insurance hereinafter contained and has paid the premium mentioned in the Schedule as consideration for such insurance in respect of accidental Loss or Damage occurring during the Period of Insurance.
Royal Sundaram offers affordable health insurance plans with a wide range of benefits to take care of you and your family. Our Health Insurance plans are flexible and affordable with different Sum Insured options to suit your unique need. Choose from basic health insurance covers to specialist medical insurance plans that offer maternity benefits and increases your sum insured automatically every year, even if you make a claim. We also offer cash benefit plans that cover non hospitalization expenses like to and fro conveyance during hospitalization, get double cash benefit in case of accidental hospitalization and triple cash benefit in case of admission to ICU.
lifeline is a holistic indemnity plan from Royal Sundaram that covers the health insurance needs of you and your family.
Any individual above 18 years of age can purchase Lifeline. Lifeline is offered as an Individual plan and as a Family Floater plan for yourself, your spouse and children.
To help you avail the best medical attention, Lifeline comes in three key variants:
These plans offer extensive cover starting from Rs. 2 Lacs and extending up to Rs. 1.5 Crore.
|Inpatient Care||Covered up to SI||Covered up to SI||Covered up to SI|
|Pre and post hospitalization expenses||30/60 days, Covered upto SI||60/90 days, Covered upto SI||60/180 days, Covered upto SI|
|All Day care procedures||Covered up to SI||Covered up to SI||Covered up to SI|
|Ambulance Cover||Up to Rs.3,000||Up to Rs.5,000||Up to Rs.10,000|
|Domiciliary Hospitalization||Covered up to SI||Covered up to SI||Covered up to SI|
|No Claim Bonus||10% of Base SI upto a max of 50% of SI||20% of Base SI upto a max of 100% of SI||20% of Base SI upto a max of 100% of SI|
|Re-load of Sum Insured||Covered up to SI||Covered up to SI||Covered up to SI|
|Ayush Treatment||Government Hospitals - Covered upto SI; Other Hospitals - Covered upto Rs.20,000||Government Hospitals - Covered upto SI; Other Hospitals - Covered upto Rs.30,000||Government Hospitals - Covered upto SI; Other Hospitals - Covered upto Rs.50,000|
|Vaccination in case of Animal Bite||Upto Rs.2,500||Upto Rs.5,000||Upto Rs.7,500|
|Emergency Domestic Evacuation (Bed to Bed on advise of treating doctor)||Not Covered||Covered upto Rs.1lac||Covered upto Rs.3lacs|
|Worldwide Emergency Hospitalization||Not Covered||Not Covered||50% of Base SI upto max of Rs.20lacs; Deductible of $1,000 per hospitalization|
|Maternity cover for up to 2 deliveries||Not Covered||Not Covered||For SI upto Rs.50lacs - Rs.2lacs.For SI > Rs.50lacs - Rs.2.5lacs|
|New Born Baby Cover||Not Covered||Not Covered||25% of SI|
|Vaccinations for new born baby in the first year||Not Covered||Not Covered||Covered upto 10,000|
Family Good Health is a comprehensive Health Insurance Plan designed to offer complete protection to you and your family against sudden illness, accidents and unexpected hospitalization. Family Good Health is offered as a Family Floater Plan.
This Health Insurance Plan gives you the flexibility to get cover for self, spouse, parents and children. You can cover yourself and your family members under a single plan. The Sum Insured is floater among family members for Floater plan and individual sum insured for Individual Plan.
Hospitalisation of your loved ones is very expensive and can drain your savings. While Insurance helps you to take care of hospital bills, there are several other incidental expenses such as transportation expenses, patient’s attender’s charges incurred during hospitalisation which may burn a hole in your pocket.
To cover these out of pocket expenses and help you financially, Royal Sundaram offers “Smart Cash Plan” as a supplement to your Health Insurance Policy.
Policy can be renewed lifelong.
You can get a discount of 10% on total premium if you cover 3 or more family members under the same Policy. Also you can avail a discount of 10% & 12.5% when you opt for 2 & 3 years tenure respectively.
|Hospital Cash Benefit(A)||Cover for 180 days per policy year on every consecutive and completed period of 24 hours of hospitalization||Cover for 180 days per policy year on every consecutive and completed period of 24 hours of hospitalization||Cover for 180 days per policy year on every consecutive and completed period of 24 hours of hospitalization|
|Accident Hospitalization Benefit(B)*1||Double the daily benefit for a maximum of 15 days when hospitalized for more than 5 days.||Double the daily benefit for a maximum of 15 days when hospitalized for more than 5 days.||Double the daily benefit for a maximum of 15 days when hospitalized for more than 5 days.|
|Convalescene Benefit(C)*2||Rs 10000/-payable for hospitalization beyond 15 days||Rs 10000/-payable for hospitalization beyond 15 days||Rs 10000/-payable for hospitalization beyond 15 days|
|Critical Illness Benefit(D)*3||Rs 10000/-payable on diagnosis of covered 7 listed critical illness||Rs 15000/-payable on diagnosis of covered 7 listed critical illness||Rs 20000/-payable on diagnosis of covered 7 listed critical illness|
|Joint Hospitalization due to an accident(E)*4||Double the daily benefit payable when two or more insured persons covered under the same policy are hospitalized concurrently for a maximum of 5 days||Double the daily benefit payable when two or more insured persons covered under the same policy are hospitalized concurrently for a maximum of 5 days||Double the daily benefit payable when two or more insured persons covered under the same policy are hospitalized concurrently for a maximum of 5 days|
|Child Birth Benefit(F)*5||Not Available||A lump sum of Rs 20000/-||A lump sum of Rs 20000/-|
|Pre-Exisiting Disease Benefit(G)*6||Not Available||A chosen daily benefit or Rs5000/- per day whichever is lower is payable upto a maximum of 5 days||A chosen daily benefit or Rs5000/- per day whichever is lower is payable upto a maximum of 5 days|
|Health Check up cost reimbursement(H)*7||Not Available||A maximum of 50% of the average daily benefit chosen is reimbursable||A maximum of 50% of the average daily benefit chosen is reimbursable|
|Intensive Care Benefit(I)*8||Not Available||Not Available||Double the daily benefit is payable for maximum of 5 days per policy year|
|Parental Accommodation Benefit(J)*9||Not Available||Not Available||A chosen daily benefit is payable up to a maximum of 5 days per policy year|
|Emergency Family Member Visit from abroad(K)*10||Not Available||Not Available||Reimbrusement of two way flight charges in economy class upto a maximum of rs 1/- lac per insured person policy|
|Customer Level Option Personal Accident Benefit*11||Coverage up to an amount of Rs 10 lakhs||Coverage up to an amount of Rs 15 lakhs||Coverage up to an amount of Rs 25 lakhs|