Royal Sundaram Health Insurance Claim Settlement

Step 1: Inform the insurer
If you choose to be treated at a non-network hospital, you are still entitled to receive a reimbursement for your expenses incurred during hospitalisation. Your health insurance with Royal Sundaram allows you to claim reimbursement with the insurer later. In this case, we expect you to inform us of your planned hospitalisation treatment at least 48 hours in advance. In case of medical emergencies, make sure to inform us of your urgent hospitalisation within 24 hours.

Step 2: Submission of form and documents to TPA
After completion of treatment and at the time of discharge from the hospital, you would need to submit all medical records to the Third Party Administrator (TPA) at the hospital desk. Duly fill out the Royal Sundaram Health Insurance claim form received from the hospital and submit it along with the other required documents to the TPA. The documents include diagnostic test reports, pharmacy bills, doctor prescriptions, original hospital bills, and other medical reports.

Step 3: Claim reimbursement
Upon receipt of the claim form and documents by Royal Sundaram,we will thoroughly check and verify the claim made. Upon approval,we will reimburse the insured the amount they incurred on medical expenses.