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Royal Sundaram Senior Citizen Travel Insurance

Overseas senior citizen travel insurance from Royal Sundaram is available for Indian travelers above 71 years going abroad. The coverage offered protects them from any kind of financial crisis resulting from any sort of medical exigencies.
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  • Coverages
  • Policy Features
  • Overview

What can be covered?

  • Minimum age of proposer must be 18 years.
  • No limit for maximum age of entry of insured person.
  • You need to be in good health condition.
  • Minimum age at entry of insured person must be 71 years.
  • Medical reports required for a SI of 1,00,000 USD only.
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.

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.

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.

Difference in Airfare due to delayed or early return
If the insured returns back to India before or after the scheduled date of return, due to illness or accident to self or accompanying travelers who are also travelling with the insured person and insured with us, we shall pay the insured person, the difference fare for economy class return ticket when the insured's original return ticket was issued at a reduced rate and with a fixed or limited return date, and such return date cannot be met due to the insured's illness or accident covered under the policy.

Senior Citizen Insurance Overview

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

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How to buy online?
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
Already outside India

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

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Online renewal
Online renewal

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

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Insurance claims
Insurance Claims

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

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  • InstantCover Insurance Web Aggregator Private limited
    710, 6th B Cross, 16th Main Road, Koramangala 3rd Block,
    Bangalore - 560 034.
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