Royal Sundaram Travel Insurance

1. Instant online policy approval in less than 5 minutes with zero paperwork or medical tests.
2. Round-the-clock customer service helpline as well as facility for online chatting with a representative with an ISO licensed Claims Procedure System.
3. Medical Assistance includes advice over phone, doctor/ hospital referral, arranging hospital admission, settling of bills, arranging for emergency repatriation if needed and more. Your medical costs would be covered for two month

Types of travel insurance policies offered by Royal Sundaram:

• Single Trip Travel Insurance
• Multi Trip Travel Insurance

Royal Sundaram Single Trip Travel Insurance :

This policy’s tenure begins from the minute you board your flight for your tour and ends on the day you come back to India, the duration for which the premium has been paid or the expiry date as specified in the policy. The maximum extent of the insurance cover is six months.

Royal Sundaram Multi Trip Travel Insurance :

As the name suggests, this policy is available for a duration of one year. You are allowed to traverse overseas as many times as you want in this one year, but one trip should not last for more than 45 days. Also, the total number of days you stayed out of country should not be more than 180 days.

Royal Sundaram Travel Insurance Eligibility Criteria:

Infants who are more than 3 months old and grown-ups no more than age 70 can purchase a Royal Sundaram Travel Insurance for their international journeys. Of course this doesn’t count travelling for education or immigration purpose.

Royal Sundaram Travel Insurance Covers:

• Health & Medical Protection:
  • All medical and hospital costs of up to 1.5 lac USD incurring abroad.
  • Insures against unanticipated emergency surgical treatment, diagnostic tests (such as blood tests, X-Ray, scans etc.), and doctors’ fees.
  • Emergency and crucial dental treatments.
  • Expenses required for any kind of transportation related to medical emergency like repatriation.
• Covers Possible Inconvenience When Travelling:
  • Delay/ loss of luggage after checking – Refund to cover emergency buying of clothes, basic toiletries up to the specified limit as per the policy. In case of delayed baggage, it is applicable only it is late by more than 12 hours.
  • Protection against loss of important travel papers like passport, visa docs and ID proofs by reimbursing the costs incurred due to the event as specified in the plan and by assisting in procuring duplicate documents.
  • Payment for hijack distress is also granted under this insurance.
• Automatic postponement:
  • The tenure of insurance is automatically postponed by 1 week from the expiry day if the return trip is delayed without warning.
• Individual liability:
  • In the event of legal hassles abroad like becoming a legal liability to a Third Party when in another country, you will be covered up to USD 2 lacs.
• Personal accident:
  • If the insured is involved in any accident overseas resulting in death or incapacitation (partial or permanent), RS Travel Insurance will cover that.
• House Insurance:
  • You can protect your home in India for up to INR 2 lacs against burglary, fire mishaps, and other calamities while you are travelling.
• Sending home of remains:
  • In the event of demise of the insurance holder, costs for the transference of mortal remains back to India will be borne by the company.

Royal Sundaram Travel Insurance Policy Exclusions:

• Claims due to pre-existing illnesses
• Pregnancy-related problems
• Any medical costs occurred because the insured was intoxicated
• Treatment that could wait until the insurance holder reaches back India
• Any expenses due to mental health or psychiatric disorders
• Accidents occurred due to participation in dangerous sports or activities
• Suicide, self-harm, and self-endangerment

Royal Sundaram Travel Insurance Covers and Allowances:

Steps in buying an Royal Sundaram Travel Insurance Online:

• Go to Royal Sundaram official website and click on the Travel Insurance Quote link.
• It will redirect you to a safe webpage to purchase a preferred plan.
• Enter your personal info and it will take you to another page in which you must enter the required trip details and duration.
• This way it is easier to calculate premiums and display that quote to you.
• Click on ‘Proceed’ to continue and note down the Quote ID, which will help you continue policy shopping later.
• Next, it is the ‘Additional Information’ page, where you have to provide your Passport Number, health history, and information about nominee.
• Once your address is entered and payment is done, everything regarding the policy will be dispatched to that address. A soft copy will be sent to your email instantly.
• Get it printed, sit back and enjoy the perks of Royal Sundaram Travel Shield Policyholder!

Royal Sundaram Travel Insurance Claim Process:

• Claims process for Health Cover (Cashless Benefit)
  • Get in touch with Paramount's Alarm Centre or its Assistance Co-operation Partners via Paramount Alarm Centre to notify the company about hospitalization.
  • Give your Policy No. and Passport No. for verification.
  • Submit copy of policy to the doctor or at the hospital, if asked to.
  • The company will communicate with the hospital authorities for reports and other documents to start the cashless treatment.
• Claims process for Health Cover (Refund)
  • Get in touch with Paramount's Alarm Centre or its Assistance Co-operation Partners via Paramount Alarm Centre to notify the company about hospitalization.
  • Give your Policy No. and Passport No. for authentication.
  • Send the duly-filled Claim Form in one month after treatment along with the original discharge sheet, bills, test reports and police reports in case of accident.
  • In the unfortunate event of death of the insured, we request you to furnish the Death Certificate, along with the Claim Form and other documents.
  • If your claim is accepted, you will be sent a cheque.
• Claims process for Luggage Loss or Delay
  • Get in touch with Paramount's Alarm Centre or its Assistance Co-operation Partners via Paramount Alarm Centre to notify the company about the incident.
  • Give your Policy No. and Passport No. to verify details.
  • Send the duly-filled Claim Form along with your Boarding Pass or luggage ticket, report of irregularity in handling property and list of lost belongings. If the items are costlier than 100 USD, some kind of proof is needed.
  • Documents from the specific Airlines agreeing about the incident.
• Claims procedure for personal accident
  • Get in touch with Paramount's Alarm Centre or its Assistance Co-operation Partners via Paramount Alarm Centre to notify the company about the incident.
  • Give your Policy No. and Passport No. to verify details.
  • Send the duly-filled Claim Form along with FIR, discharge sheet, all test reports, and news report if any within 30 days after treatment.
  • In case of accidental death, you must send Death Certificate, Autopsy Report and Legal Heir Document.
  • Once the claim is accepted, you will be mailed a cheque.