Royal Sundaram Travel Insurance

Travel is an integral part of our lives. We travel to unwind, relax or pursue better employment or educational opportunities. One of the primary reason for traveling for most of the people is leisure. Securing your trip will give you that peace of mind you deserve. Royal Sundaram Insurance is reputed for offering customized travel insurance for a range of customers.

To know more about Royal Sundaram Travel Insurance, you can check the features and benefits of Royal Sundaram Travel Insurance.

Key Features & Benefits of Royal Sundaram Travel Insurance

• The policy is approved instantly

• Zero paperwork

• No medical tests required

• Customer service is available round-the-clock. The company also offers the facility of online chatting with a representative from the company.

• The Medical Assistance offered includes advice over the phone, referral to doctor/hospital, arranging for the admission into hospital, settling bills, arranging for emergency repatriation, if required. The medical costs are covered for two months.

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 the minute you board your flight and ends on when you reach the home country. You must pay the premium throughout the policy. The maximum tenure of the insurance cover is six months.

Royal Sundaram Multi Trip Travel Insurance

This policy is applicable for a single year. You can travel overseas many times for a year and all those trips would be covered under this policy. However, a single trip shouldn't last for more than 45 days. Furthermore, the total number of days you're out of the home country shouldn't be more than 180 days.

Royal Sundaram Travel Insurance Eligibility Criteria

Any individual aged three months to 70 years can avail the Royal Sundaram travel insurance for themselves and their families. Traveling for education or immigration purposes doesn't count under this.

Royal Sundaram Travel Insurance Covers

Health & Medical Protection

• All medical and hospital costs incurred abroad on a trip are covered under this policy. The costs shouldn't exceed 1,50,000 USD.

• This policy offers coverage against unanticipated emergency surgical treatment, diagnostic tests such as blood tests, X-Ray and scans and doctors’ fees.

Covers for significant dental treatments

Expenses incurred for any kind of transportation related to a medical emergency.

Covers Inconvenience While Travelling

• Loss/Delay of luggage after checking in

• Refund to cover an emergency purchase of clothes, basic toiletries up to the stipulated limit according to the policy. You can make a claim only if the baggage is delayed by more than 12 hours.

• Protection against the loss of necessary travel papers such as passport, visa documents and ID proofs by compensating for the costs incurred in procuring duplicate documents.

• Payment under hijack distress is also granted under this insurance policy.

Automatic postponement

The term of insurance is postponed by one week from the expiry day if the return trip is delayed without any warning.

Individual liability

In the event of legal dispute abroad, while traveling in a different country, you are covered up to 2,00,000 USD.

Personal Accident

If the insured meets with an accident overseas which results in death or partial or permanent incapacitation.

House Insurance

You can defend your home in India against burglary, fire mishaps, and other calamities while you are traveling. The cost shouldn't exceed 2,00,000 USD

Sending home remains of the deceased

If the insurance holder dies the insurance company bears the cost of transferring the mortal remains back to India.

Exclusions to Royal Sundaram Travel Insurance Policy

• Claims made for covering pre-existing illnesses

• Claims linked with pregnancy-related problems

• Any medical costs incurred when the policyholder was intoxicated

• Treatments which could wait until the policyholder reaches to his/her home country

• Expenses due to mental health issues

• Accidents occurred due to participation in dangerous adventure sports or similar activities

• Medical cost incurred due to suicide, self-harm, etc

How Can You Buy a Royal Sundaram Travel Insurance Policy Online?

• Visit the Royal Sundaram official website

• Click on the Travel Insurance Quote link.

• You'll be redirected to a new webpage where you can purchase a preferred plan.

• Enter your personal details and after clicking on submit, you'll be redirected to a page where you'll be needed to enter the trip duration and details.

• This way it is easier to estimate premiums and display the quote.

• After getting the quote Click on ‘Proceed’ to continue

• Now, note down the Quote ID. This quote ID can help you with policy shopping later.

• Next step is the ‘Additional Information’ page, where you need to give your Passport Number, health history and all the information linked with your nominee.

• After you have entered your address and the payment is made, everything concerning the policy is dispatched to your address. A soft copy of the policy related documents will be sent to your email immediately.

• You can get it printed, sit back and experience the perks of being a Royal Sundaram Travel Shield policyholder!

Royal Sundaram Travel Insurance Claim Procedure

The claims process for Health Cover (Getting Cashless Benefits)

• You should get in touch with Paramount's Alarm Centre or the Assistance Cooperation Partners through Paramount Alarm Centre for notifying the company about hospitalization.

• You can give your passport details and Policy No. for verification.

• You'll be required to submit a copy of the policy in the hospital, if necessary

• The company will be communicating with the hospital authorities for reports and linked documents for starting the treatment.

The claims process for Health Cover (Refund)

• You should get in touch with Paramount's Alarm Centre or the Assistance Cooperation Partners through Paramount Alarm Centre for notifying the company about hospitalization.

• You can give your passport details and Policy No. for verification.

• After you have provided all the necessary details, you can send the duly-filled Claim Form within a month after the treatment along with an original discharge sheet, test reports, bills and police report (if there was an accident)

• In case the insured individual dies, you must furnish the Death Certificate, along with the Claim Form and other necessary documents.

• If your claim is accepted, you will be sent a cheque from the company.

Claims Process for Luggage Loss or Delay

• You should get in touch with Paramount's Alarm Centre or the Assistance Cooperation Partners through Paramount Alarm Centre for notifying the company about hospitalization.

• You can give your passport details and Policy No. for verification.

• Send the filled out Claim Form along with the Boarding Pass or luggage ticket, a report of irregularity in handling property issued by the airport authority and a list of lost belongings. If the items are more expensive than 100 USD, you need to provide proof as well.

• Report from the airlines' authority stating the same

Claims procedure for personal accident

• You should get in touch with Paramount's Alarm Centre or the Assistance Cooperation Partners through Paramount Alarm Centre for notifying the company about hospitalization.

• You can give your passport details and Policy No. for verification.

• In the next step, you must send the filled-out Claim Form along with the FIR, discharge sheet, various test reports, and the news report within 30 days of treatment

• if there has been an accidental death, you should send Death Certificate, Autopsy Report, and Legal Heir Document.

• After the claim has been accepted, a cheque will be mailed to you.

Royal Sundaram Travel Insurance FAQs

How does Single Trip differ from Multi Trip?

You can travel overseas once with a single trip policy but with a multi-trip policy, your travel is secure for every trip throughout the year.

How is the cover duration decided?

For Multi Trip, you can pick the starting period. But the tenure of coverage for each journey is either a month or 45 days depending on the policy chosen by you.

What is Personal Liability?

Personal Liability is when you accidentally harm a third party physically which makes you legally accountable for compensating the other person.

How Can I decide on the best plan?

You must keep these criteria in mind the below while deciding on Royal Sundaram travel insurance policy.

• Destination

• Healthcare in that city

• Your health conditions and age

• Weather in the country you're visiting