Royal Sundaram Travel Insurance

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As many travelers plan their international travel, flight bookings, activities to do in their destination, they never think to buy travel insurance. As visiting a foreign country involves risks like trip delay, trip interruption, checked in baggage loss, passport loss, accidents or sudden sickness resulting in hospitalization, it is important to buy Royal Sundaram overseas travel insurance as it offers coverage for most of the expenses arising from unexpected exigencies.

What can be covered?
  • No medical reports required.
  • You need to be in good health condition.
  • Minimum age at entry of insured peson must be 91 Days.
  • Maximum age of entry of insured person must be 90 + years.
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 IRDAI. The company was initially promoted as a joint venture by Sundaram Finance, one of the most respected non-banking financial institutions (NBFCs) in India and other Indian Shareholders. In February 2019, Ageas Insurance International N.V. acquired 40% equity stake in Royal Sundaram and consequent to this divestment, the stake of Sundaram Finance in our company is currently at 50%, Ageas Insurance holds 40% and the other Indian shareholders hold the remaining 10%.

Royal Sundaram has been providing innovative and relevant 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 also offers specially designed products to the small and medium enterprises and rural customers as well. The company is a pioneer in Bancassurance in India, having long-standing tie-ups with reputed banks and NBFCs.

Royal Sundaram has over 2000 employees with 140 branches across India and its products are distributed through various channels-agents, distribution partners, affinity partners, brokers and online and built a base of 5.2 million customers since inception.

Why should an Insured avail a Royal Sundaram Insurance Plan?

Apart from being one of the first General Insurance companies to set up shop in India, Royal Sundaram also offers the following reasons to buy their plans:
  • Widest range for Plan options from $50,000 to $1,000,000 Accident & Sickness Medical Expense Sum insured
  • No medical tests required before purchasing the plan
  • Offer Assistance & Claims Service Support abroad through their TPA and in India through their Company call centre
  • Cashless Inpatient Claims Settlement
  • Comprehensive coverage benefits across all plans offering maximum flexibility
  • Transparent and Prompt claims settlement process
  • Offer coverage upto 1 year upfront apart from facility to extend policies upto 6 times during the insured’s travel duration
Royal Sundaram has been offering Travel Insurance solutions under the brand name of Travel Secure to its customers across the country and today their plans are one of the most comprehensive plans (in terms of benefits) available for the Indian travellers who are venturing abroad. They have solutions for the following category of customers:
A – Travel Secure – Individual Leisure/Business Plans
B – Travel Secure – Annual Multi Trip
C – Travel Secure – Student Plans
D – Travel Secure – Asia Plan
E – Travel Secure – Senior Citizen Plan

Across their Travel Plans, Royal Sundaram has the following Age Eligibility criteria:
Plans Adult Children
Individual, Annual Multi trip and Asia plans Minimum entry age is 18 years. Maximum entry age is 70 years at the commencement date of the Policy. If the Insured Person completes 70 years during the Period of insurance, then the insurance will continue until expiry of the policy or his/her return to Republic of India whichever is earlier. The minimum entry age under this policy is 91 days.
Senior Citizen Plan Minimum entry age is 71 years. There is no maximum entry age. N.A.
Student Plan Maximum entry age is 40 years at the commencement date of the policy Minimum entry age is 12 years

They also offer plans across various Geographies across the world. Their Countries Included in their respective plans are as below:
Plans Countries Covered Option
Worldwide Including Americas Americas include North, Central & South America, and Canada. To Include Schengen Countries
Worldwide Excluding Americas Any countries across the world apart from North, Central & South America and Canada To Include Schengen Countries
Asia Plan All countries in Asia excluding Korea & Japan Korea & Japan to be included in Worldwide Excluding America Plan

A. Travel Secure – Individual Leisure / Business Plans

Royal Sundaram offers a comprehensive travel insurance solution for their Individual Leisure and business travellers. They have three Plan Categories namely Classic, Supreme and Elite Plans and under each category of plans they offer multiple Sum Insured options for Medical Expenses. Under the Classic Plan, they offer Sum Insured options of $50,000 and $100,000, under the Supreme Plan, they offer Sum Insured options of $200,000, $300,000 and $500,000 while under the Elite Plan, the Sum Insured options include $500,000, $750,000 and $1,000,000. They are one of the few insurers who offer the $1,000,000 Sum insured option for Accident & Sickness Medical Expenses (A&S).

Their Accident & Sickness Benefits include A&S Medical Expenses, Dental Relief, Accidental Death & Dismemberment (including Common Carrier), Daily Cash Allowance while in Hospital, Repatriation and Medical Evacuation. Their Non Medical Benefits are very comprehensive and include Delay and Loss of Baggage, Passport Loss, Personal Liability, Trip Cancellation and Curtailment, Bounced Hotel, Compassionate Visit etc. They also have a Home Burglary cover for the insured’s home in India while they travel abroad.
Benefits(in USD) Classic Supreme Elite Deductible
Sum Insured 50000, 100,000 200,000, 300,000, 500,000 500,000, 750,000,1000,000
Medical Expenses including Medical Evacuation 50000, 100,000 200,000, 300,000, 500,000 500,000, 750,000,1000,000 100
Sickness Dental Relief 300 500 1,000 100
Daily Cash Allowance in case of hospitalization beyond 2 days 0 0 50 per day to max of 250 Nil
AD & D Common Carrier 2,500 5,000 5,000 Nil
Accidental Death and Dismemberment Benefit (24 hrs) 10,000 15,000 25,000 Nil
Repatriation of Mortal Remains 5,000 5,000 7,500 Nil
Delay of Checked-in Baggage 100 100 500 after 6 hours
Loss of Checked-in Baggage 500 500 1500 Nil
Loss of Passport Benefit 250 250 300 25
Personal Liability Benefit 100,000 200,000 250,000 100
Trip Delay Benefit 30 per 12hrs to max. 180 (3 days) 30 per 12hrs to max. 300 (3 days) 50 per 12hrs to max. 500 (5 days) after 6 hours
Hijacking Benefit 100 per day (5 Days Max) 100 per day (5 Days Max) 125 per day (7 Days Max) after 12 hours
Automatic extension of policy upto 7 days Available Available Available Nil
Emergency Cash Advance 500 1,000 1,500 Nil
Trip Cancellation 500 750 1,000 Nil
Trip Curtailment 500 750 1,000 Nil
Missed Connections/Missed Departures 500 500 1,000 after 6 hours
Bounced Hotel/Airline Booking - 500 2,000 10%
Political risk and Catastrophe evacuation - - 10,000 Nil
Compassionate Visit - - 7,500 -
Emergency Hotel Extension - - 5,000 250
Loss of Baggage and Personal Effects - - 2,000 100
Return of Minor - - 7,500 Nil
Difference in Airfare due to delayed or early return - - 500 Nil
Assistance Services Included Included Included Nil
Home Content Insurance (in INR) - - 200,000 Nil
Benefits in USD Classic Supreme Elite
Hospital Room and boarding 1500/day upto 30 days 1800/day upto 30 days 2000/day upto 30 days
Intensive Care Unit 2500/day upto 7 days 3000/day upto 30 days 3250/day upto 30 days
Surgical treatment * Max 10,000 Max 12,500 Max 15,000
Anaesthetist services Max upto 25% of Surgical Treatment Max upto 25% of Surgical Treatment Max upto 25% of Surgical Treatment
Physician's visit Max 75/day upto 10 visits Max 75/day upto 10 visits Max 100/day upto 10 visits
Diagnostic and pre-admission testing Max upto 500 Max upto 600 Max upto 1000
Ambulance services ** Max upto 400 Max upto 500 Max upto 600
Misc Expenses *** Part of Room Charges Part of Room Charges Part of Room Charges
* Includes OT charges, Surgeon Fee and implant charges
** Includes cost of transportation to hospital and paramedic services
***Includes but not limited to medicines/pharmacy/drugs/supplies/nursing charges/external medical appliances as prescribed by doctor as necessary and essential as part of the treatment

B. Travel Secure – Annual Multi Trip

For the traveller who travels abroad multiple times in a year, Royal Sundaram also offers a comprehensive Travel insurance product under their Travel Secure umbrella. This Annual plan is advisable for Frequent travellers since it eliminates the requirements for purchasing a policy every time they travel and it is also cost effective. Under the Annual Multi Trip Plan, they offer two options Gold and Platinum. The Gold option is with an Accident & Sickness Medical coverage of $250,000 while the Platinum plan comes with a coverage of $500,000.

Their plans come with coverage for Medical Expenses, Dental Relief, Accidental Death & Dismemberment (including Common Carrier), Repatriation and Medical Evacuation. Their Non Medical Benefits are very comprehensive and include Delay and Loss of Baggage, Passport Loss, Personal Liability, Trip Cancellation and Curtailment, Bounced Hotel, Political Risk and Catastrophe Evacuation, Missed Connection and Departures Compassionate Visit etc. They also have a Home Burglary cover for the insured’s home in India while they travel abroad.
Benefits(in USD) Gold Platinum Deductible
Sum Insured 250,000 500,000
Medical Expenses including Medical Evacuation 250,000 500,000 100
Sickness Dental Relief 500 1,000 100
Daily Cash Allowance in case of hospitalization beyond 2 days 30 per day to max of 180 30 per day to max of 180 Nil
AD & D Common Carrier 5000 5000 Nil
Accidental Death and Dismemberment Benefit (24 hrs) 25,000 25,000 Nil
Repatriation of Mortal Remains 7,500 7,500 Nil
Delay of Checked-in Baggage 100 200 after 6 hours
Loss of Checked-in Baggage 1,000 1000 Nil
Loss of Passport Benefit 300 300 25
Personal Liability Benefit 250,000 250,000 100
Trip Delay Benefit USD30 per 12hrs to max. 180 USD (3 days) USD50 per 12hrs to max. 300 USD (3 days) after 6 hours
Hijacking Benefit USD125 per day (7 Days Max) USD125 per day (7 Days Max) after 12 hours
Automatic extension of policy upto 7 days Available Available Available
Emergency Cash Advance 1,000 1,500 Nil
Trip Cancellation 750 1,000 Nil
Trip Curtailment 750 1,000 Nil
Missed Connections/Missed Departures 750 1,000 after 6 hours
Bounced Hotel/Airline Booking 750 1,000 10%
Political risk and Catastrophe evacuation 7,500 10,000 Nil
Compassionate Visit - 7,500 Nil
Assistance Services I Included Included Nil
Home Content Insurance (in INR) 200,000 200,000 Nil
Benefits in USD Limits
Hospital Room and boarding 2000/day upto 30 days
Intensive Care Unit 3250/day upto 7 days
Surgical treatment * Max 15,000
Anaesthetist services Max upto 25% of Surgical Treatment
Physician's visit Max 100/day upto 10 visits
Diagnostic and pre-admission testing Max upto 1000
Ambulance services ** Max upto 600
Misc Expenses *** Part of Room Charges
* Includes OT charges, Surgeon Fee and implant charges
** Includes cost of transportation to hospital and paramedic services
***Includes but not limited to medicines/pharmacy/drugs/supplies/nursing charges/external medical appliances as prescribed by doctor as necessary and essential as part of the treatment

D. Travel Secure – Asia Plan

Like most other insurance companies, Royal Sundaram also offers a plan specific to Asia for Leisure and Business Travellers to Asian countries, excluding Korea and Japan. They offer a single option with a Sum Insured of $50,000 for Accident & Sickness Medical Expenses. Apart from this the coverage offered is for Accident Death & Dismemberment, Medical Evacuation and Repatriation, Trip Cancellation, Loss and Delay of Checked in Baggage, Loss of Passport etc.
Benefits(in USD) Deductible
Sum Insured 50000
Medical Expenses including Medical Evacuation 50000 100
Sickness Dental Relief 500 100
Accidental Death and Dismemberment Benefit (24 hrs) 10,000 Nil
Accidental Death and Dismemberment Benefit (Common Carrier) 5,000 Nil
Repatriation of Mortal Remains 5,000 Nil
Delay of Checked-in Baggage 100 after 6 hours
Loss of Checked-in Baggage(Per Baggage maximum 50 % and per item in the baggage 10%) 500 Nil
Loss of Passport Benefit 250 25
Personal Liability Benefit 100,000 200
Trip Delay Benefit 30 per 12hrs to max. 180 after 6 hours
Hijacking Benefit 100 per day (6 Days Max) after 12 hours
Emergency Cash Advance 500 Nil
Trip Cancellation 500 Nil
Compassionate Visit 5000 Nil
Assistance Services Included Nil
Benefits in USD Limits
Hospital Room and boarding 1500/day upto 30 days
Intensive Care Unit 2500/day upto 7 days
Surgical treatment * Max 10,000
Anaesthetist services Max upto 25% of Surgical Treatment
Physician's visit Max 75/day upto 10 visits
Diagnostic and pre-admission testing Max upto 500
Ambulance services ** Max upto 400
* Includes OT charges, Surgeon Fee and implant charges
** Includes cost of transportation to hospital and paramedic services

E. Travel Secure – Senior Citizen’s Plan

For the Senior Traveller, Royal Sundaram also offers a plan under Travel Secure. This if for Senior Travellers above the age of 71 years and uniquely they do not have an upper age limit for the insured to purchase a Senior Citizen Plan. Under the Senior Citizen’s Classic Plan, they offer three options of Accident & Sickness Medical coverage, which is $25,000, $50,000 and $100,000.

Their plans come with coverage for Medical Expenses, Dental Relief, Accidental Death & Dismemberment (including Common Carrier), Repatriation and Medical Evacuation. Their Non Medical Benefits are very comprehensive and include Delay and Loss of Baggage, Passport Loss, Personal Liability, Trip Cancellation, Trip Delay, Political Risk and Catastrophe Evacuation, Missed Connection/Departure, Emergency Cash Advance etc.
Benefits(in USD) Deductible
Sum Insured 25000, 50000, 100000
Medical Expenses including Medical Evacuation 25000, 50000, 100000 100
Sickness Dental Relief 500 100
Accidental Death and Dismemberment Benefit (24 hrs) 15,000 Nil
Repatriation of Mortal Remains 7,500 Nil
Delay of Checked-in Baggage 250 after 6 hours
Loss of Checked-in Baggage 1,000 Nil
Loss of Passport Benefit 300 25
Personal Liability Benefit 100,000 100
Trip Delay Benefit 50 per 12hrs to max. 500(5 days) after 6 hours
Hijacking Benefit 125 per day (7 Days Max) after 12 hours
Emergency Cash Advance 1,000 Nil
Trip Cancellation 1,000 Nil
Missed Connections/Missed Departures 500 after 6 hours
Political risk and Catastrophe evacuation 7,500 Nil
Difference in Airfare due to delayed or early return 500 Nil
Assistance Services I Included Nil
Benefits in USD Limits
Hospital Room and boarding 1500/day upto 30 days
Intensive Care Unit 2500/day upto 7 days
Surgical treatment * Max 10,000
Anaesthetist services Max upto 25% of Surgical Treatment
Physician's visit Max 75/day upto 10 visits
Diagnostic and pre-admission testing Max upto 500
Ambulance services ** Max upto 400
Misc Expenses *** Part of Room Charges
* Includes OT charges, Surgeon Fee and implant charges
** Includes cost of transportation to hospital and paramedic services
***Includes but not limited to medicines/pharmacy/drugs/supplies/nursing charges/external medical appliances as prescribed by doctor as necessary and essential as part of the treatment

Coverage Descriptions

Under all the plans, the description of coverages offered are briefly explained below, please go through the Terms & Conditions of the policy (Policy Wordings) to understand the coverages in detail. Also please note that the Sum Insured for each section is clearly specified on the policy schedule and only that respective sum insured shall be available to the insured against each specific coverage:
Medical Expenses (including Medical Evacuation)
Following conditions are covered on actual expenses incurred subject to the limits specified in the policy schedule under this section:
  1. Out Patient Treatment, Hospitalization Expenses, Medical Practitioner’s charges, Ambulance services for any illness or injury sustained while abroad.
  2. Medical Evacuation to another better nearby location or to India subject to obtaining prior approval from our end for further treatment.
  3. Any expenses due to Pre Existing Diseases will not be covered. Only in case of Life Threatening emergency, the expenses incurred abroad will be covered up to a max of $2,000.
Sickness Dental Relief
Coverage for actual expenses incurred resulting from sickness sustained to Sound Natural Teeth during a Trip abroad.

Accidental Death & Dismemberment (including Common carrier)
The policy covers the insured for Accidental Bodily Injury during the course of his overseas journey while travelling abroad apart from in a common carrier such as rail, bus, tram or aircraft and such bodily injury is the sole and direct cause of the Insured’s death or Permanent Total Disablement.

Repatriation of Mortal Remains
In the event of the unfortunate death of the Insured Person during the Trip due to illness/ injuries, compensation will be provided for the transportation expenses reasonably incurred to return the mortal remains of the Insured Person to the place of residence in the Republic of India or the expenses for local burial or cremation in the country where the death occurred.

Loss / Delay of Checked-in Baggage
The Company will reimburse (up to the limits specified) any purchase of essential clothes, toiletries and essential medicines in the event that the Insured Person suffers a loss of baggage or delay of more than 6 hours from the Scheduled Arrival time at the destination. This benefit is only payable on outward journey from India and not on return journey to India.

Loss of Passport
In the event that the Passport, Visa belonging to the Insured Person is lost, the Company will reimburse the direct expenses necessarily and reasonably incurred in connection with obtaining emergency travel documents in lieu of passport /visa or duplicate or new passport.

Personal Liability
In the event of the Insured Person becoming legally liable to a Third Party (under statutory liability provisions or in common law for an incident which results in death, injury of such third party or damage to his/ her properties), the company will compensate the Insured person.

Trip Delay
The insured will receive a lump sum if the Insured Person’s Common Carrier commencement is delayed for more than 6 continuous hours due to any of the following:
  1. Earthquake.
  2. Lighting, Storm, Tempest, Typhoon, Hurricane, Inundation, Subsidence
  3. Landslide and rockslide
  4. Avalanche
  5. Floods resulting from unseasonal rains, storm or cyclone.
  6. Terrorism.
  7. Tsunami
  8. Volcano Eruption

Emergency Cash Advance
The company will provide an assistance service when the insured person requires emergency cash following incidents like theft/burglary of luggage/money or hold up whilst on a trip covered under policy. The service provider will coordinate with the insured person’s family members in his country of residence to provide emergency cash advance.

Trip Cancellation / Curtailment
The Company will reimburse the unused and non-refundable portion of the pre-paid lodging cost and/or the ticket cancellation charges if the Trip is cancelled and the Insured Person is unable to undertake the Trip due to:
  • death or serious injury or sudden sickness requiring minimum 3 days of hospitalization of (a) of the Insured Person or (b) Traveling Companion or (c) immediate Family member of the Insured Person.
The Company will also reimburse the proportionate prepaid expenses paid but are not refundable including tickets for the return journey to Republic of India if the insured’s trip has already commenced.

Bounced Hotel/Airline Booking
The company will reimburse the additional expenses towards alternate flight booking, transportation to the alternative hotel, cost of up gradation to a superior class of hotel if required when the confirmed hotel/airline booking services with the suppliers is bounced due to over booking.

Return of Minor Child
In the event of death of the insured whilst in abroad or hospitalized due to an Injury and / or Illness, shall pay the insured, cost of economy class air ticket incurred for sending the unattended Minor Child (below the age of 18 years) back to the Country of Residence.

Home Content Insurance (in INR)
The company shall pay for the loss or damage to household contents and personal effects of insured kept in insured’s specified home in India caused by Fire & allied perils, Burglary/Housebreaking during the policy period, whilst the insured person is abroad.
There are also some coverages which are specific to Student Plans and their coverage descriptions are below:
Compassionate Visit
If the insured person is hospitalized on account of an illness/accident for a period exceeding 5 days and requires special assistance from an immediate family member, the insurance company shall reimburse the cost of the economy class flight ticket incurred by the immediate family member and accommodation expenses not exceeding 200 USD/day.

Study Interruption
In the event of Hospitalization of the insured person of more than one consecutive month due to a covered Injury or Sickness or in the case of Terminal Sickness or in the case of a medical repatriation or in case of the death of an immediate family member and the insured student is unable to continue his/her studies for the remaining part of a school semester for which Tuition fee has been paid, the Company shall reimburse the Insured Person the Tuition fees which has already been advanced to the educational institution.

Sponsor Protection
In the case of injury to the Insured Person’s Sponsor (as stated in the Enrolment Form) resulting in Death or Permanent Disablement, the Company shall reimburse the insured person the Tuition Fee incurred for the remaining period of this education.

Bail Bond
The insurance company will pay bail bond costs that the insured student incurs, as a result of any inadvertent law breaking or false arrest or wrongful detention by any government or foreign power during his/her travel overseas.

Maternity benefit
Coverage is available towards Inpatient Medical expenses related to termination of pregnancy as a result of physician's advice to terminate pregnancy only due to medical reasons.

Treatment for mental and nervous disorders: including alcoholism and drug dependency
Medical expenses related to treatment for mental and nervous disorders, including alcoholism and drug dependency are covered.

Cancer screening and mammography examinations
Coverage is available for Cancer Screening and mammographic examination which are done on recommendation of a physician.

Loss of Laptop
The Company will indemnify the Insured for the loss due to Theft of the insured’s laptop. The claim shall be settled at present market value of the laptop at the time of the loss, which will be arrived at by depreciating the replacement value of the laptop by 25% per annum.

Exclusions under the Royal Sundaram Travel Secure Plans

Some of the key exclusions are listed below, please refer to the entire list available along with your policy document.
  • Travelling against the advice of a Physician
  • Cementing or fixation of tooth or teeth bridge/s.
  • Any claim for participation in Hazardous Sports/Hazardous Activities and any claim arising out of sporting activities in so far as they involve in training or participation in competitions of professional or semi- professional sports persons
  • Any Jewellery, perishables and consumables
  • Any willful, malicious, criminal, illegal or unlawful act.
  • Failure to check in on time
  • Any mental and nervous disorders rest cures or stress of any kind (excepting as provided)
  • Any claim relating to events occurring before the commencement of the cover or otherwise outside of the Period of Insurance.
  • Any claim in respect of Pre-existing conditions (excepting in case of life threatening situations up to a maximum of USD2000).
  • Any claim arising out of illnesses or Accidents that the Insured Person has caused intentionally or by committing a crime or as a result of drunkenness or addiction (drugs, alcohol).
  • Any claim for any losses in whole or in part and/expenses directly or indirectly in respect of the Insured Person riding on a motor cycle or any other two-wheeled and two-wheeled motorized mode of conveyance as driver unless at the time of the Accident the insured is in possession of a currently valid full international driving license and while riding a two wheeler is wearing a safety crash helmet and following rules applicable in the country of visit.
  • Illness and Accidents that are results of war and warlike occurrence or invasion, acts of foreign enemies, hostilities, civil war, rebellion, insurrection, civil commotion assuming the proportions of or amounting to an uprising, military or usurped power, seizure, capture, arrest, restraints, detainments of all kings princes and people of whatever nation condition or quality whatsoever.

FAQ’s for Travel Secure

Cover under Travel Secure is available on an Individual basis and not on Family Floater basis.
The premium payable shall be based on your age, country of visit and number of days of travel. The applicable premium shall be remitted as a single payment.
Cover commences from the time the insured person boards the conveyance to leave for onward overseas journey or the Contracted Departure Date as per the policy whichever is later, subject to receipt of premium by us.At the time of taking the policy, customer should be in India.
The coverage shall end on occurrence of any one of the instances as mentioned in the table below.
You would get the soft copy of the policy terms and conditions together with a certificate detailing the insurance coverage details.
Free look provision is applicable only in respect of an annual multi trip policy and annual student policy. At the inception of the policy, provided the trip has not commenced, insured will be allowed a period of 15 days (30 days for Telesales, Online and Web aggregators) from the date of receipt of the policy to review the terms and conditions of the policy and to return the same if not acceptable. Insured will be entitled to the following, provided no claim has been reported, settled or lodged for the period the policy has been in force:
  • A refund of the premium paid less stamp duty charges or; where the risk has already commenced and the option of return of the policy is exercised, a deduction towards the proportionate risk premium for period on cover or;
  • Where only a part of the risk has commenced, such proportionate risk premium commensurate with the risk covered during such period.
  • However, please note free look is not applicable in the case of renewals.
A policy issued under Leisure plan can be extended based on request much prior to the expiry of the policy. Subject to no claim having been reported and confirmation of good health by the insured person, the company will inform the additional premium applicable which will be difference between the premiums applicable for the total extended period less the premium already paid. Upon receipt of premium prior to expiry of the period specified in the policy, company will issue an endorsement extending the policy up to the permissible extended period. The maximum number of days that can be covered including extension shall not exceed 360 days in respect of Leisure Plan.
Yes as per details specified below.

The Company may at any time cancel the Policy on grounds of misrepresentation, fraud, non-disclosure of material fact relating to this insurance of the insured or non-cooperation by the insured by sending seven days’ notice in writing by Registered A/D to the insured at his last known address in which case the Company shall not refund to the insured any portion of the premium Cancellation of policy by the Insured Person may be done only in the following cases
  1. where a journey is not undertaken and only on production of the Insured Person’s passport as a proof that the journey has not been undertaken. Any request for cancellation will be entertained up to 14 days after the first day of insurance as indicated in the schedule of the policy subject to a deduction of cancellation fee/-
  2. In case of an early return of the insured person under this policy prior to expiry of the policy period the company will refund premium as per the existing structure. No refund of premium or part thereof will be allowed if any claim has been made under the policy before invoking cancellation request.
Afghanistan, Myanmar (Burma), Democratic Republic of Congo, East Timor, Eritrea, Iran, Iraq, Liberia, Libya, North Korea, Rwanda, Sierra Leone, Somalia, Sudan, Syria, Yeman, Congo, Republic of (Brazzaville), Timor-Leste (East Timor), Zaire , Pakistan

The list of declined countries may undergo change from time to time depending on the geo-political situation in the respective country. Any revision to the country list shall be updated on our website every quarter.

Claims Assistance

Royal Sundaram has an alliance with M/s Paramount Healthcare as Their Third Party Administrators (TPA) to help the insured with speedy and convenient claims process and assist you 24 X 7, whenever required.

For Claim, queries or information, you can contact the Travel TPA. The Toll Free Numbers are mentioned below.

For USA and Canada
Country International Code Number
Canada 001 18663 77 11 77
USA 001 18663 815 720 AND 18669 785 205

For other countries
To connect to the TPA from other countries, please dial the International Access Code followed by our worldwide UIFN (Universal International Freephone Number) 800 8000 8400.
Country International Access Code Number
Australia 0011 800 8000 8400
Austria 00 800 8000 8400
Belgium 00 800 8000 8400
China 00 800 8000 8400
Denmark 00 800 8000 8400
Finland 990 / 999 800 8000 8400
France 00 800 8000 8400
Germany 00 800 8000 8400
Hongkong 001 800 8000 8400
Germany 00 800 8000 8400
Hong Kong 001 800 8000 8400
Hungary 00 800 8000 8400
Ireland 00 800 8000 8400
Israel 014 800 8000 8400
Japan 001 010 / 0033 010 / 0061 010 / 0041 010 800 8000 8400
South Korea 001 / 002 800 8000 8400
Malaysia 00 800 8000 8400
Netherlands 00 800 8000 8400
New Zealand 00 800 8000 8400
Norway 00 800 8000 8400
Philippines 00 800 8000 8400
Portugal 00 800 8000 8400
Singapore 001 800 8000 8400
Spain 00 800 8000 8400
Sweden 00 800 8000 8400
Switzerland 00 800 8000 8400
Thailand 001 800 8000 8400
United Kingdom (UK) 00 800 8000 8400

You can also contact Royal Sundaram's dedicated line for Travel Insurance customers - 0091 22 4090 8315.

If there are Claim documents to be submitted, the same should be sent to:
Health Claims Department
M/s.Royal Sundaram General Insurance Co. Ltd.,
Vishranthi Melaram Towers,
No.2/319, Rajiv Gandhi Salai (OMR),
Karapakkam, Chennai 600 097.
Tel.No: 044-7117 7117.

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    710, 6th B Cross, 16th Main Road, Koramangala 3rd Block,
    Bangalore - 560 034.
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