Royal Sundaram Insurance

Royal Sundaram Personal Accident Insurance

Royal Sundaram General Insurance Co. Limited (formerly known as Royal Sundaram Alliance Insurance Company Limited), is the first private sector general insurance company in India to be licensed in October 2000 by the Insurance Regulatory and Development Authority of India. Royal Sundaram has been providing innovative general insurance solutions to individuals, families and businesses directly as well as through its intermediaries and affinity partners. The company offers Motor, Health, Personal Accident, Home and Travel Insurance to individual customers and offers specialized insurance products in fire, marine, engineering, liability and business interruption risks to commercial customers. Royal Sundaram has over 2000 employees with 150 branches across India and its products are distributed through various channels-agents, distribution partners, affinity partners, brokers and online.

Eligibility Criteria of Royal Sundaram Personal Accident Insurance

  • Persons between the age group of 5 - 65 years can be covered under this Individual PA policy.
  • Coverage of Self is mandatory.
  • Coverage is available for self, spouse and dependent children.
  • Renewals accepted lifelong for self and spouse & Up-to 21 years for dependent children.
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Royal Sundaram Health Insurance Review

Royal Sundaram Health Insurance
Royal Sundaram Insurance sum insured
2 lacs − 150 lacs options available
Incurred Claims Ratio *
72.00%
Royal Sundaram Insurance tenure options
1 to 3 years
Claims Settlement Ratio **
80.06%
List of network hospitals
11,800+ hospitals
Number of policies issued *
2,03,185
Maximum family floater coverage
Self, Spouse + 4 dependent children
Number of lives covered *
1,066,662
* As per IRDAI report for 2020-21   |   ** As per NL25 data published on the Insurance Company website
  • Key highlights
  • Coverages
  • Benefit description
  • Exclusions

Key Highlights of Royal Sundaram Personal Accident Insurance

  • Instant Policy, No Medical Test.
  • 24X7 worldwide cover.
  • Coverage upto ₹10 Lakhs without income proof for any person.
  • Renew policy anytime, anywhere with InstaRenew.
  • Dedicated Customer Services Helpline - 1860 425 0000.
    • Facility to chat online for information.
    • Easy, ISO certified Claims process.
  • Single policy to cover entire family.
  • Policy cover available for 1 year.

Coverage under Royal Sundaram Personal Accident Insurance

Coverages Sum Insured
Accidental Death 5,00,000 10,00,000 15,00,000 20,00,000 25,00,000 40,00,000 50,00,000 75,00,000
Permanent Total Disablement 5,00,000 10,00,000 15,00,000 20,00,000 25,00,000 40,00,000 50,00,000 75,00,000
Permanent Partial Disablement 5,00,000 10,00,000 15,00,000 20,00,000 25,00,000 40,00,000 50,00,000 75,00,000
Temporary Total Disablement(₹3,000/- weekly benifit upto max 104 weeks) 3,12,000 3,12,000 3,12,000 - - - - -
Temporary Total Disablement ((₹ 5,000/- or ₹ 10,000* weekly benifit upto max 104 weeks)) - - - 5,20,000 5,20,000 10,40,000 10,40,000 10,40,000
Education Grant(Per Child ₹ 5,000) 10,000 10,000 10,000 10,000 10,000 10,000 10,000 10,000
Medical Expenses-Accident Hospitalization - - - 2,00,000 2,50,000 4,00,000 5,00,000 7,50,000
  • Premium for SI of ₹40 lakhs to ₹75 lakhs shall be provided on receipt of completed proposal form and income proof
  • The Plans are available on Individual Basis and also on Family Basis
  • If family plan is chosen then the sum insured shall be available as under:
    • Primary Insured - 100% of the Sum Insured
    • Spouse - 50% of the Sum Insured
    • Child - 25% of the Sum Insured per child
(Family plan is available for SI up to ₹25 lacs only)

Benefit Description

Accidental Death
In the unfortunate event of death of the Insured person, the entire Sum Insured will be paid to the Insured person's nominee. We request you to ensure that you provide a nominee for every family member insured under Personal Accident Insurance.

Permanent Total Disablement
In the unfortunate event of permanent total disability of the Insured person, the entire Sum Insured will be paid to the Insured person.

Permanent Partial Disablement
In the unfortunate event of permanent partial disability of the Insured person, a certain percentage of the Sum Insured will be paid to the Insured person. It is determined by the extent of loss. You can get more information about it in the Terms and Conditions page.

Temporary Total Disablement
Weekly benefit for accidents resulting in home confinement up-to 104 weeks (Weekly Income Benefit)

Accident Hospitalisation
Hospitalization expenses due to Accident resulting in claim for Death/Disablement (Applicable only if proposer has opted for Sum Insured of Rs.20 lacs and above).

Education Grant
Special Free Benefit of Education Grant of Rs. 10,000/-(@ Rs. 5,000 per child)

Transportation of Mortal Remains
In the unfortunate event of accidental death, we will pay the nominee a sum of up to Rs. 5,000 towards transportation of the mortal remains to residence.

Exclusions under the Individual Personal Accident Plan

Below are some of the
  • From intentional self injury, suicide or attempted suicide
  • Accident whilst under the influence of the intoxication of liquor or drugs
  • Directly or indirectly caused by venereal diseases, AIDS or insanity
  • Arising or resulting from the insured committing any breach of law with criminal intent
  • Any claim arising out of any pre-existing disease or condition
  • Nuclear, Chemical, Biological Terrorism
  • Persons whilst engaged in hazardous sports / activities/occupations
Above list of exclusions is illustrative only and are not exhaustive. For a detailed list please refer to the policy terms and conditions which will be made available on request.

Brochure

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Policy wordings

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CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2025