Royal Sundaram Insurance

Royal Sundaram Annual Multi Trip Travel Insurance

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Plan type
No. of Traveler
Date of birth
or age   years
Start date
Total Days: 
End date
* Name, Email Id & Mobile No. are required 

Why choose Royal Sundaram Annual Multitrip travel insurance?

Royal Sundaram Best Annual Multi trip travel insuranceplan offers overseas travel insurance for frequent travelers. It is ideal for business travelers, corporate travelers, professionals or anyone who takes multiple trips annually. The traveler can choose any of single trip duration options of 30 days, 45 days, 60 days or 90 days. The total number of days travelled annually cannot exceed 180 days.

Royal Sundaram Travel Insurance review

Royal Sundaram Travel Insurance
Sum Insured
USD 50,000 to 1,000,000
Number of policies issued *
Claims settlement ratio **
Number of lives covered *
Incurred claims ratio
* As per IRDAI report for 2018-19   |   ** As per NL25 data published on the Insurance Company website

Royal Sundaram Annual MultiTrip travel insurance overview

  • Coverages
  • Policy Features
  • Overview

Eligibility of Royal Sundaram Annual Multitrip travel insurance

  • Minimum age of proposer must be 18 years.
  • No medical reports required.
  • You need to be in good health condition.
  • Minimum age at entry of insured person must be 91 Days.
  • Maximum age of entry of insured person must be 70 years.
  • Available for a period of 365 days. Maximum duration of every trip limit within 30/45/60/90 days. Days spent abroad should not exceed 180 days.

What does Royal Sundaram Annual Multitrip Travel Insurance Cover?

  • Daily Cash Allowance in case of hospitalization beyond 2 days
    This will be payable on lump sum basis in case of hospitalization beyond 2 days for every completed and consecutive 24 hours of hospitalization. The benefit shall be payable from the 1st day of hospitalisation up to the limits specified in the policy schedule.
  • Accidental Death & Dismemberment (Common carrier)
    The policy will pay the sum insured specified in the schedule in addition to the sum insured specified under the personal accident section if the insured sustains accidental bodily Injury during the course of his overseas journey while travelling 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 and which was sustained within 12 months from the date of the accident.
  • Emergency Cash Advance
    We 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 to the insured person as per his requirement up to the limit specified (including service and delivery charges) in the policy schedule under this section.
  • Trip Cancellation
    We will reimburse the unused and non-refundable portion of the pre-paid lodging cost and/or the ticket cancellation charges (up to the maximum amount specified in the schedule) 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 within 5 days before the date of departure or any natural catastrophic event like earthquake or volcano eruption.
  • Trip Curtailment
    We will reimburse the proportionate expenses pre-paid but are not refundable including tickets for the return journey to India (up to the maximum amount specified in the schedule) due to trip curtailment caused by emergency medical evacuation of self or death, serious injury or sudden sickness of your spouse, parents, parent in laws or child residing with you in India and who is not travelling with you on the insured journey.
  • Missed Connections/ Missed Departures
    We will reimburse cost of reasonable expenses towards actual boarding and lodging incurred if the insured misses the connecting Iight at intermediate port due to a delay beyond 12 hours from the original schedule by the outbound air craft from India in which insured is expected to travel, caused by Inclement weather, equipment failure of the common carrier, strike or other job action by employees of the airlines.
  • Bounced Hotel / Airline Booking
    We will reimburse the additional expenses towards alternate Iight 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.
  • Political risk and Catastrophe evacuation
    We will reimburse the insured, the cost of travel expenses to the country of residence or nearest place of safety up to the cost of an economy class air ticket plus reasonable accommodation expenses, if incurred, up to a maximum of USD 300 per day for a maximum of 7 days if insured is unable to return to his country of residence, when asked to leave the country or forced to evacuate due to any catastrophe like earthquake or tsunami.
  • Compassionate Visit
    If the insured person is hospitalized on account of an illness/accident for a period exceeding 5 days and as opined and recommended by the attending Medical Practitioner requires special assistance from an immediate family member, we shall reimburse the cost of the economy class Iight ticket incurred by the immediate family member rendering such special assistance from and to the place of residence/origin of such person together with accommodation expenses not exceeding 200 USD/day.
  • Home Content Insurance (in INR)
    We 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.

Royal Sundaram Annual Multitrip travel insurance benefits

Benefits(in USD) Gold Platinum
Sum Insured 250,000 500,000
Medical Expenses including Medical Evacuation
Deductible: 100
250,000 500,000
Sickness Dental Relief
Deductible: 100
500 1,000
Daily Cash Allowance in case of hospitalization beyond 2 days 30 per day to max of 180 30 per day to max of 180
AD & D Common Carrier 5000 5000
Accidental Death and Dismemberment Benefit (24 hrs) 25,000 25,000
Repatriation of Mortal Remains 7,500 7,500
Delay of Checked-in Baggage
Deductible: after 6 hours
100 200
Loss of Checked-in Baggage 1,000 1000
Loss of Passport Benefit
Deductible: 25
300 300
Personal Liability Benefit
Deductible: 100
250,000 250,000
Trip Delay Benefit
Deductible: after 6 hours
USD30 per 12hrs to max. 180 USD (3 days) USD50 per 12hrs to max. 300 USD (3 days)
Hijacking Benefit
Deductible: after 12 hours
USD125 per day (7 Days Max) USD125 per day (7 Days Max)
Automatic extension of policy upto 7 days Available Available
Emergency Cash Advance 1,000 1,500
Trip Cancellation 750 1,000
Trip Curtailment 750 1,000
Missed Connections/Missed Departures
Deductible: After 6 hours
750 1,000
Bounced Hotel/Airline Booking
Deductible: 10%
750 1,000
Political risk and Catastrophe evacuation 7,500 10,000
Compassionate Visit - 7,500
Assistance Services I Included Included
Home Content Insurance (in INR) 200,000 200,000

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.

Useful Article

A single trip policy will provide coverage for a specific holiday or a single trip. However an annual multi-trip policy (also known as AMT) is a travel insurance policy valid for 12 months.
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Review Royal Sundaram Annual MultiTrip Travel Insurance brochure to understand coverage details.

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Proposal form

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Policy wordings

Review Royal Sundaram Annual MultiTrip Travel Insurance policy wordings which explains the terms and conditions.

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How to buy online?

You can buy insurance online by using a credit/debit card, direct funds transfer using NEFT or RTGS or by using a cheque.

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Already outside India

Travelers who have already traveled from India and do not have insurance can buy Royal Sundaram travel medical insurance after approval.

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Royal Sundaram Travel Insurance Online Renewal

Insurance customers can renew their existing policy online before the exipry date at any time.

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Royal Sundaram Travel Insurance Claims & Customer care

In case of a claim or reimbursement of treatment expenses, notify Royal Sundaram by contacting them.

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Royal Sundaram Travel Insurance Policy Wordings

Kindly refer the Travel Policy Insurance Wordings for complete coverage details along with terms and conditions.

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How are Claims settled?

Are travel insurance directly billed or is it reimbursement basis, is there a hospital network.

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