Company Overview
Royal Sundaram General Insurance Co. Limited (often shortened to Royal Sundaram) is a prominent player in Indias nonlife insurance sector. Established in 2000 as a joint venture between the Royal Bank of Scotland (RBS) and Sundaram Finance, the company leverages over two decades of experience to provide a broad portfolio of general insurance solutions for individuals, families, and businesses.
Headquartered in Chennai, TamilNadu, Royal Sundaram operates through a network of more than 200 branches and over 1,500 corporate agents across the country. The insurer is regulated by the Insurance Regulatory and Development Authority of India (IRDAI) and has earned a reputation for prompt service, competitive pricing, and a focus on customercentric innovation.
Products & Services
Motor Insurance
Royal Sundarams motor portfolio includes comprehensive, thirdparty, and personal accident policies. Features such as Zero Depreciation, Engine Protect, and Roadside Assistance are available as addons. The company also offers a No Claim Bonus (NCB) protection plan that safeguards the discount earned even after a claim.
Health Insurance
The health line includes:
- Individual Health Plans coverage for hospitalization, daycare procedures, and preexisting disease waiting periods.
- Family Floater a single sum insured shared across the entire family with sublimits for newborns and maternity.
- Critical Illness lumpsum payout upon diagnosis of specified severe diseases.
- Annual Health Checkups free or discounted health screenings at network hospitals.
Home & Property
Coverage for fire, natural calamities, burglary, and accidental damage is available for both residential and commercial buildings. Optional extensions include coverage for valuable items such as jewelry, artwork, and home appliances.
Travel Insurance
Shortterm policies cover medical emergencies, trip cancellation, baggage loss, and travel inconvenience. The company also offers specialized studenttourist plans for overseas study trips.
Business Insurance
Royal Sundaram provides riskmitigation solutions for small, medium, and large enterprises, covering:
- Marine cargo
- Liability (public, product, professional)
- Fire & property
- Engineering and equipment breakdown
- Employee health & group personal accident
Claims Process
Royal Sundaram emphasizes a simple and transparent claims experience. The key steps are:
- Intimation Policyholders can report a claim via the 24hour tollfree number, mobile app, or online portal.
- Document Submission Required documents (claim form, police report, medical certificates, invoices) are uploaded digitally or submitted at the nearest branch.
- Assessment A claim officer or approved surveyor evaluates the loss. For minor claims, a quick AutoAssess feature can provide instant approval.
- Settlement Approved claims are settled via direct bank transfer, cheque, or cash (depending on policy terms) usually within 710 business days.
- Followup A dedicated claim executive remains available for queries until closure.
Tip: Keep copies of original documents, photographs of the damage, and any thirdparty reports handy to speed up the process.
Digital Experience
Royal Sundaram has invested heavily in technology to meet the expectations of modern consumers.
Mobile App
The Royal Sundaram app (available for iOS and Android) lets users:
- Buy new policies in minutes
- Renew existing policies
- Download policy documents and ID cards
- Track claim status in real time
- Access a network hospital locator and cashless claim facility
Online Portal
The web portal offers a selfservice dashboard for both individual and corporate clients. Features include premium calculators, policy comparison tools, and epayment options (credit/debit cards, net banking, UPI).
Chatbot & AI Assistance
An AIdriven chatbot, Ravi, is integrated on the website and mobile app to answer frequently asked questions, guide users through policy selection, and initiate claim intimation 24/7.
Contact & Support
Royal Sundaram provides multiple channels for customer support:
- Phone: 18002661212 (tollfree) available 247
- Email: customercare@royalsundaram.com
- Live Chat: Accessible via the website and mobile app
- Branch Visits: Over 200 branches nationwide; find the nearest location using the branch locator tool.
- Social Media: Facebook, Twitter, Instagram and LinkedIn regular updates on policy offers and insurance tips.
For corporate clients, a dedicated Relationship Manager can be assigned to handle large portfolios, tailor coverage, and provide quarterly risk assessments.
