Health insurance claims

Experience a seamless and stress-free way to manage your health insurance claims with Royal Sundaram. We prioritise your well-being, and our dedicated claims centre is designed to make the process as smooth as possible.

File a claim

Helpline Details

Give us a call!

1860 258 0000

1860 425 0000

(From Monday to Saturday 08:00 to 21:00 and Sunday 08:00 to 17:00)

Prefer written communication? Drop us an email

care@royalsundaram.in

Quick Links

Claim form Cashless Hospitals TPA List Excluded Hospital List

Cashless Claim Procedure

Click here to view our Network Provider list

Contact the Hospital Insurance Helpdesk:

Provide a copy of the patient's medical records / E-health card along with a valid government ID proof.

Pre-authorisation:

The hospital's insurance helpdesk will send the Pre-authorisation form and supporting documents to our Third Party Administrator (TPA) for approval.

Information Verification:

If any information is missing or incomplete, the TPA may contact the hospital for the same.

Claims Approval:

Claims will be approved according to the policy's terms and conditions.

Discharge Process:

At the time of discharge, the hospital will submit the discharge summary and other related documents to our TPA for final approval.

Payment Settlement:

Post discharge, we will settle the claim payment directly with the hospital.

Reimbursement Claim Procedure

Claim Intimation:

Inform us of your claim within 24 hours of hospitalisation at Care@royalsundaram.in

Non-Network Hospital Treatment:

If you receive treatment at a non-network hospital, you will need to pay for the treatment upfront and collect all treatment and expense-related documents.

Document Submission:

Submit all the documents along with the claim form directly to us within 30 days of discharge.

Claims Processing:

We will process your claim as per the policy's terms and conditions.

Reimbursement:

Once approved, we will reimburse the claim amount to you.

Document checklist

Here’s an exhaustive list of documents you may need to make a claim. You may need some or all of these documents based on your situation.

Required Documents

Duly filled and signed claim form
Discharge summary
Original final hospital bill with a detailed itemised break-up.
Original paid receipt for the final hospital bill.
For accidental cases: Copy of MLC/FIR (if applicable).
All investigation reports (such as lab reports, X-ray, MRI, CT scan, etc.).
All pharmacy bills supported by the doctor's prescription.
Implant sticker or invoice, if used (e.g., lens details for cataract cases, stent details for angioplasty).
Past medical records or treatment papers, if applicable.
NEFT/KYC details of the proposer (Cancelled cheque or copy of PAN card, etc.).
Other relevant documents, if any.