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General Insurance

Royal Sundaram

MOTOR INSURANCE PLANS

Buy or Renewal your Two wheeler insurance instantly online and save your time and money

  • Buy Insurance for Brand New Two Wheeler
  • Renew Existing Two Wheeler Policy from any Insurer
  • Comprehensive coverage for your two wheeler, accessories, damages to Third Party property and life
  • Transfer your No claim Bonus for claim free years and can be freely shifted when you move your insurance to Royal Sundaram from other insurers by making simple online declaration
  • Claim settlement within 10 working days

Key Benefits & Features

  • Royal Sundaram Insurance covers Total or Partial Loss/Damage to your Two wheeler due to
    • Natural Calamities:Fire, explosion, self-ignition or lightning, earthquake, flood, typhoon, hurricane, storm, tempest, inundation, cyclone, hailstorm, frost,landslide,rockslide.
    • Man made Calamities:Burglary, theft, riot, strike, malicious act, accident by external means, terrorist activity, any damage in transit by road, rail, inland waterway, lift, elevator or air
  • Unlimited Liability for Third Party death/ bodily injury Claims. Indemnity for third party property damage up to a limit of Rs. 1 lac. Personal Accident Cover for you upto 1 lac
  • If you are a member of Automobile Association of India, you can get up to 5% discount on the Own Damage Premium (or) Max of Rs.50.
  • Transfer of No Claim Bonus (NCB) from other insurance company on renewal with Royal Sundaram's two wheeler Insurance Policy Online.
  • Personal accident cover for pillion riders

Terms & Conditions

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.

How to Make a two wheeler Insurance Claim

  • Claim Should be intimated to the Insurance company immediately with the policy particulars.
  • No repair before survey of the vehicle
  • Survey will be arranged on receipt of claim intimation and submission of detailed estimate of repairs from the repairer
  • Original Registration Certificate and Driving licence to be submitted to the company for verification and return
  • Duly filled in & Signed claim form to be submitted to the Repairer/Surveyor. For company owned vehicles , company seal and authorised person signature should be affixed in the claim form.
  • FIR to be filed wherever Third party injury/death/property damage is involved.
  • Company may ask for additional documents and /or clarification/Information if any, depending on the requirment of the claim.
  • Cashless facility will be arranged if required documents are in order.
  • Based on the Surveyors instruction, Vehicle to be produced for re-Inspection on completion of repair works.
  • Original bill along with Satisfaction voucher for cashless claims is required for processing of the claim.
  • For Non-cash-less Claims (Reimbursement claims) Original cash bill or Invoice with Cash receipt is required for processing of the claim.
  • The detailed theft claim process letter will be sent to the Insured's policy/claim form address through Registered Post offer intimation of theft claim.

Please submit the following information while intimating a claim:

  • Your Contact Numbers
  • Policy Number
  • Name of Insured person
  • Date & Time of accident
  • Vehicle number
  • Make and Model
  • Location of Loss
  • Brief description on how the accident took place
  • Name of Driver
  • Place & contact details of the Insured Person if the person intimating the claim is not insured.

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!

What is covered by Car Shield?

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:

  • Covers all forms of damage including theft of parts and accessories of the car
  • Offers a third party cover up to Rs. 7.5 lakh
  • You can choose from an array of add-on covers that provide that added protection to your vehicle which includes Depreciation Waiver on metal and plastic parts. This can be obtained in cases of partial losses along with the replacement of your windshield glass without any effect on the No Claim Bonus. You can also receive the total invoice value of the car during cases of irreversible damages and theft

Why Choose our Car Insurance 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:

  • Free vehicle inspection at your doorstep along with the facility to purchase the policy online within 24 hours, in case you do not renew your policy on time
  • You can avail the cashless facility across the country along with 24/7 Roadside Assistance in case of emergencies
  • A dedicated 24/7 helpline for all claim related enquiries
  • You can avail the services of a dedicated personal relationship manager who can guide you during turbulent times involving accidents and other issues. The manager is instrumental in supervising you through the claims process
  • Facility to avail speedy authorization of repairs so that there is no delay
  • You can avail a Car Insurance Quote within two minutes through the online procedure which does not involve documentation, making it simpler for the customer. Royal Sundaram offers you an all-inclusive coverage for all top manufacturers of India along with an emergency towing service during circumstances when spot repair is impossible.

Key Benefits

Car Shield Key Features

  • Protection from loss of car or damage to your car.
  • Unlimited Liability for Third Party death/ injury Claims.
  • Indemnity for third party property damage up to a limit of Rs. 7.5 lakhs.
  • Personal Accident Cover for you, your paid driver and the occupants in the car.

Car Shield Extra Benefits

  • If you are a member of Automobile Association of India, you can get up to 5% discount on the Own Damage Premium (or) Max of Rs.200.
  • Get a discount of Rs. 100 in Third Party Basic Premium on reduction in Limits of Liability for Third Party Property Damage.
  • Opt for voluntary deductible of Rs. 15,000 and get 35% discount on Own Damage Premium subject to a maximum of Rs. 2,500.
  • Transfer of No Claim Bonus (NCB) from other insurance company on renewal with Royal Sundaram's Car Insurance Policy Online.

Coverage

  • Car Insurance Coverage & Discounts: Car Shield our Comprehensive Package Policy covers accidental damage caused to your car and the damage or injury you cause to another vehicle or its driver in an accident or to any 3rd party. Loss of or damage to your car through fire or theft is also covered.
  • Car Shield Basic Coverage & Discounts: This covers Loss or Damage to your car; liability to third parties and provides personal accident cover to the owner/driver. Get a host of Discounts, No Claim Bonus, Discount for Automobile Association Members.
  • Car Shield Additional Covers: Get Cover for your Driver, Other Passengers in your Car and your Car Accessories. In addition to Basic Cover, this policy provides option for personal accident cover to unnamed passengers in your car, your paid driver, legal liability to paid driver/employers of the insured, electrical/electronic accessories in your car, CNG kit and Bi-fuel system endorsed in the RC book.
  • Car Shield Add-on Cover: Get Special Add-on covers for enhanced protection. Along with Basic Cover, you can get extra protection for your car with our 7 optional add-on covers, which can be customized to suit your need. With our add-ons you have the option to cover the plastic/metals parts in your car, replace windshield glass without affecting your No Claim Bonus, get a new car in case of total damage or theft with the full invoice price cover and much more!

Terms and Conditions

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.

HEALTH INSURANCE PLANS

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.

Our Health Insurance Policies offer:

  • Pre and post hospitalization expenses
  • 147 Day Care procedures Covered
  • Cashless hospitalization at over 3000+ network hospitals
  • Lifetime renewal
  • Tax benefit under section 80 (D)
  • ISO certified claims process
  • In case of hospitalization due to an accident your cover expands up to additional 50% of Sum Insured
  • Maternity cover
  • Pre-existing cover after 3 year waiting period
  • Get Cumulative bonus for every claim free years from 5% up to 50 %

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:

  • Lifeline Classic
  • Lifeline Supreme
  • Lifeline Elite

These plans offer extensive cover starting from Rs. 2 Lacs and extending up to Rs. 1.5 Crore.

Who can be covered?

  • Any person who is more than 18 years of age can be the proposer of the plan.
  • Policy will cover the applicant, spouse, and up to four dependent children aged between 91 days and 25 years.
  • There is no restriction on maximum entry age.

Base line Cover

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

Other Benefits

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 Benefits

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.

Who can be covered?

  • Cover yourself, your spouse, your dependent children above the age of 91 days up to 21 years and dependent parents up to the age of 50 years without documentation, up to 65 years with documentation. Renewals are accepted life long.
  • You can buy this plan for 1 year or for 2 years. Choose a Sum Insured option between Rs 2 lakhs, Rs 3 lakhs and Rs 4 lakhs.

Coverage options available under Family Good Health

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.

What is covered?

  • Pre-hospitalization Expenses covered for 30 days prior to date of admission in a hospital.
  • In-patient hospitalization while being admitted into a hospital for a minimum period of 24 hours.
  • Post-hospitalization Expenses incurred within a period of 60 days after date of discharge.
  • Day Care Procedures that requires less than 24 hours of hospitalization.
  • Get Accident coverage from the day the policy is commenced.
  • Pre-existing disease covered after 48 months.

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.

Who can be insured?

  • The cover is available for self, spouse, children, parents and other dependents, who bear any legal relation to the Proposer such as Father in Law, Mother in Law , Uncle, Aunt etc.,
  • Persons from the age of 91 days onwards can be enrolled.

How long the cover can be renewed?

Policy can be renewed lifelong.

Discount in premium

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.

Smart Cash Plan provides daily cash benefit for the following conditions

  • Emergency and planned medical admission
  • Accident (Double the daily benefit for rail/road/air accidents for Hospitalization exceeding 5 days)
  • Surgery
  • Medical treatment (If the reason for hospitalisation is covered by the Policy. Please refer the Terms and Conditions or FAQ`s page for more information about coverage)
  • Joint Hospitalization when two or more persons covered under the same policy are hospitalized due to an accident concurrently.
Daily Benefit SILVER
500,1000,1500,
2000,2500,3000
GOLD
3000,4000,
5000
PLATINUM
5000,7000,
10000
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

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