Royal Sundaram General Insurance Company

Royal Sundaram is the first private General Insurance company to be licensed in India by October 2000. Initially, the company was promoted as a joint venture between Sundaram Finance and other Indian Shareholders. In Feb 2019, Ageas Insurance International acquired 40% share from Indian share holders and currently Sundaram holds 50% and other Indian shareholders hold the remaining 10%

Royal  Sundaram is known for providing innovative insurance solutions to individuals, families, and businesses. They provide Motor, Health, Travel, and Home Insurance to individual customers and provide specialized insurance products such as fire, marine, engineering insurance to businesses. 

With over 158 branches and 2000+ employees, they are an active player in the Indian Insurance ecosystem and distribute various products through several distributors, partners, and brokers. They have a huge customer base of 28 million.

Vision

Royal Sundaram aspires to be first choice General insurer in India.

Mission

Doing everything to offer customers a peace of mind through innovative insurance solutions and superior service.

Awards

• Insurance Company of the year award at Samudra Manthan Awards 2017.
• “Best General Insurance – Public” award at CNBC Best Bank and Financial Institution awards 2011.

Royalsundaram Insurance: Everything to Know in 2025

Royalsundaram Insurance stands out among leading general insurance companies in India, offering a diverse selection of insurance products perfect for families, individuals, and businesses alike. Heading into 2025, customers want robust coverage, digital convenience, and responsive customer service. Given rapid changes in the insurance sector, it is crucial to understand what makes Royalsundaram Insurance relevant and valuable today.

What is Royalsundaram Insurance?

Royalsundaram General Insurance Co. Ltd. is an established private insurance company in India, part of the larger Ageas Federal Group. Founded in 2001, it has carved out a strong reputation for its customer-centric approach. Whether for health, motor, travel, or home insurance, Royalsundaram keeps updating their products to meet evolving needs.

This insurer focuses heavily on digital innovation and hassle free claims. By 2025, a significant part of the company’s service process is now managed online, including buying policies, renewing, and claims intimation.

Why is Royalsundaram Insurance a Good Choice in 2025?

What makes Royalsundaram unique among Indian insurers?

• Comprehensive product range
  • Coverage for health, motor, travel, home, and corporate segments
• Technology focused services
  • Paperless policies, instant policy download, SMS/email updates
• Customer support
  • 24 x 7 toll free helpline, fast grievance redressal
• Quick claim settlement
  • 92 percent claim settlement ratio as per latest financial year*
• Value for money
  • Customizable plans and transparent pricing

Did you know?

In 2025, Royalsundaram consistently ranks in India’s top five private insurers for customer satisfaction according to independent surveys.

What Key Features Should You Look for in Royalsundaram Insurance Policies?

Are there standout benefits in health and motor plans?

For Health Insurance:

• Lifetime renewability across major products
• Wide network with over 11,000 cashless hospitals in India
• Pre and post hospitalization expenses covered
• Free annual health checkups with popular plans
• Health and wellness programs for long term policyholders
• Addons like maternity, critical illness, accidental cover
• Day care procedure coverage for more than 200 conditions

For Motor Insurance:

• Fast, digital claim process
• More than 5,000 cashless garages across all cities
• Overnight vehicle repair facility in metros
• Personal accident cover included
• Roadside assistance 24 x 7

How does Royalsundaram simplify insurance for families and businesses?

• Family floater health plans for multiple members under one sum insured
• Tailor made home insurance options for home owners and tenants
• Specialized group policies for SMEs, housing societies, and corporates

Expert Insight

“With Royalsundaram, our group medical cover allowed us to add new employees instantly online, reducing admin hassles by almost 80 percent.” — HR head, Indian IT firm

What Insurance Products Does Royalsundaram Offer in 2025?

Which categories of insurance are available to customers?

Are there popular plans in each segment?

Popular Health Policies: Lifeline, Family Plus, Arogya Sanjeevani

Motor Policies: Private Car Secure, Two Wheeler Secure, Commercial Vehicle Package

Travel Plans: Overseas Travel Insurance, Student Travel, Annual Multi Trip

Home Plans: Secure Home, Tenants Protector

How Easy is Royalsundaram’s Claim Process in 2025?

What steps are involved in filing and tracking a claim?

• Intimation: Raise a claim online, via App, or on toll free call
• Document Upload: Submit required documents digitally
• Claim Assessment: Surveyor visits your place (if needed) or video survey in 2 hours
• Settlement: Direct payment to hospital or garage (for cashless), reimbursement credited to your account

Most retail claims are now processed within 7 to 10 working days, often much faster if documents are in order.

People Also Ask Q: What is the claim settlement ratio of Royalsundaram in 2025? A: Latest publicly available data pegs Royalsundaram’s overall claim settlement ratio at over 92 percent.

Pros and Cons of Choosing Royalsundaram Insurance

What advantages and disadvantages should you know?

Pros

• Wide reach across urban and semi urban India
• Transparent terms with minimal hidden exclusions
• User friendly online services
• High customer satisfaction trends
• Large hospital and garage network

Cons

• Plans may have waiting periods for some diseases
• Physical offices not present in every rural market
• Premiums can be slightly higher for wider coverage

Did you know? Royalsundaram was among the first few companies to enable instant digital health card download in India.

How Does Royalsundaram Compare to Other Major Indian Insurers in 2025?

What are unique selling points versus other companies?

• Fast digital onboarding even for group and SME covers
• Compelling wellness programs and new-age features like sleep coaching, mental health support
• Lower turn around for claim processing compared to some legacy players

How Safe and Reliable is Royalsundaram Insurance?

Is your money and policy data secure?

As an IRDAI regulated insurer, Royalsundaram follows strict security protocols. By 2025, their mobile app uses facial and fingerprint authentication. All personal data and payments are encrypted. Regular audits and fraud detection programs make the experience safe for all customers.

Expert Insight

“For our senior citizen clients, Royalsundaram’s claim support team offered extra handholding during hospitalizations, often going beyond just claim approval.” — Senior Insurance Advisor, Mumbai

Who Should Consider Royalsundaram Insurance in 2025?

Which groups of customers will benefit most?

• Young families wanting full spectrum health and home protection
• Working professionals requiring hassle free motor insurance
• Senior citizens looking for trustworthy hospital care
• Small businesses seeking customized group or fire insurance
• Frequent travelers needing worldwide coverage

How Can You Buy and Renew Royalsundaram Insurance in 2025?

What are the digital channels available for policy purchase and renewal?

• Official website with instant premium quote and payment options
• My Royal App for Android and iPhone
• 24 x 7 helpline for assisted buying or renewal (specially for senior citizens)
• WhatsApp and Chatbot support for quick queries

Most policies can be renewed online by simply entering your policy number and completing payment. Renewal reminders are sent by SMS, email, and even WhatsApp for registered users.

Can You Customize Your Coverage with Royalsundaram?

Which add ons and customizations are possible in health and motor insurance?

Health Insurance:

• Top up and super top up plans for extra protection
• Critical illness riders for cancer, cardiac, organ failure, etc.
• Wellness support: out patient consultations, mental health, second opinions
• Maternity and newborn cover add on

Motor Insurance:

• Zero depreciation cover
• Engine protect cover
• Daily cash allowance add on for hospitalizations after accident
• No claim bonus protector

Did you know? Royalsundaram’s telemedicine and e pharmacy tie ups help policyholders access GP consultations in under 30 minutes during emergencies.

Reviews and Customer Feedback for Royalsundaram in 2025

What do real customers say about their experience?

• Fast claim settlement praised for motor insurance
• Health policies valued for cashless treatment reach and easy pre authorization
• Some users wish for wider rural presence, but call center support scores well
• Dedicated relationship managers for SMEs and high net worth customers are appreciated

People Also Ask Q: How can I check Royalsundaram policy status online in 2025? A: Visit the official website or use the My Royal App. Enter your policy number or mobile number to check all relevant policy details in seconds.

Quick Recap: Why Choose Royalsundaram Insurance?

TL;DR
Royalsundaram Insurance in 2025 offers trusted and flexible insurance solutions for Indian families, professionals, travelers, and businesses. With seamless digital services, solid claim support, and strong customer reviews, it remains a top option among India’s private general insurers.

People Also Ask (FAQ)

1. Can I buy Royalsundaram Insurance policy fully online in 2025?

Yes. You can complete the process online with instant policy issuance, payment, and download of e policy through their website or App.

2. What is the waiting period for pre existing disease in Royalsundaram health plans?

Generally, the waiting period is 2 to 4 years depending on the plan. Some conditions may be covered after the first one or two years.

3. How soon are most claims settled?

For straightforward claims with complete documents, most are settled within 7 working days. For complicated cases, it may take up to 20 days.

4. Is there a 24 x 7 customer support helpline?

Yes, Royalsundaram provides around the clock toll free assistance for claims and queries.

5. Does Royalsundaram offer insurance for personal valuables?

Yes, their Secure Home policy allows you to insure valuable personal items (like jewelry) against theft or damage.

Source:
For more about Royalsundaram Insurance, visit: royalsundaram.in
For claim settlement ratios and regulatory updates: IRDAI Official Site
*Claim settlement ratio data as per IRDAI annual report of 2024.