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Travel-related risks like the loss of passport or baggage, hospitalisation due to accident or sickness can mar the fun of travelling abroad. One of the reasons is incurred financial losses. To manage the finances related to such situations, you can buy a travel insurance like Royal Sundaram Travel Insurance.
What is Royal Sundaram Travel Insurance?
Royal Sundaram Travel Insurance offers comprehensive overseas travel plans which cover travel-related risks, such as accident and hospitalisation expenses. The plans protect you against such risks and provide financial support also for non-medical emergencies like loss of passport or baggage.
Types of Royal Sundaram Travel Insurance Plans
Royal Sundaram General Insurance offers 5 types of travel insurance plans. One can select the plan as per need and requirement.
- Leisure Travel Insurance Plan
- Multi trip Insurance Plan
- Student Travel Insurance Plan
- Asia Travel Insurance Plan
- Senior Citizen Travel Insurance Plan
Eligibility Criteria
Indian residents, NRIs and foreign nationals staying in India on work permit are eligible to buy Royal Sundaram Travel Insurance plans.
| Names of Plans | Entry Age | Trip Duration |
| Leisure/Single Trip Travel Insurance Plan
|
91 days-70 years
|
NA |
| Multi Trip
|
91 days-70 years | 30/45/60/90-180 days |
| Student Travel Insurance
|
12 yrs-40 yrs | 1-7 yrs |
| Asia Travel Insurance
|
91 days-70 years | NA |
| Senior Citizen
|
Minimum age-71 yrs | NA |
Royal Sundaram Travel Insurance Plans
Below are the travel insurance plans offered under Travel Secure Policy:
Leisure/Single Trip Travel Insurance Plan: This comprehensive travel insurance plan provides the insured with complete coverage to make the trip stress-free. It covers medical expenses, dental treatment, expenses incurred due to the delay in the arrival of checked-in baggage, etc.
| Coverage | Classic (In USD) | Supreme (In USD) | Elite (In USD) | Deductible |
| Sum Insured | 50000, 1 lakh | 2 lakh/3 lakh/5 lakh | 5 lakh/7.5 lakh/10 lakh | NA |
| Medical Expenses | 50000, 1 lakh | 2 lakh/3 lakh/5 lakh | 5 lakh/7.5 lakh/10 lakh | USD 100 |
| Dailycash allowance | NA | NA | USD 50 per day to max 250 USD | Nil |
| Delay of Checked-in Baggage | 100 | 100 | 500 | After 6 hours |
| Loss of Checked-in Baggage | 500 | 500 | 1500 | Nil |
| Loss of Passport Benefit | 250 | 250 | 300 | USD 25 |
| Personal Liability Benefit | 100,000 | 200,000 | 250,000 | USD 100 |
| Emergency cash advance | 500 | 1,000 | 1,500 | NIL |
| Compassionate Visit | NA | NA | 7,500 | NIL |
Annual Trip/Multi Trip: This plan is especially designed for frequent travellers. The travel duration in a single trip can be classified into 30, 45, 90 days during the year but shouldn’t exceed 180 days.
| Coverage | Gold (In USD) | Platinum (In USD) | Deductible |
| Sum Insured | 2.5 lakh | 5 lakh | NA |
| Medical Expenses | 2.5 lakh | 5 lakh | USD 100 |
| Dailycash allowance | USD 30 per day to max 180 USD | USD 30 per day to max 180 USD | NIL |
| Delay of Checked-in Baggage | 100 | 200 | After 6 hours |
| Loss of Checked-in Baggage | 1000 | 1000 | NIL |
| Loss of Passport Benefit | 300 | 300 | USD 25 |
| Personal Liability Benefit | 250,000 | 250,000 | USD 100 |
| Emergency cash advance | 1,000 | 1,500 | NIL |
| Compassionate Visit | NA | 7,500 | NIL |
Travel Secure Student Plan: This travel insurance plan is meant for students going abroad for study. It provides coverage for 1-7 years against medical, hospitalisation expenses, personal liability. Apart from that, it also covers loss of passport, laptop and other important documents.
| Coverage | Diamond (in USD) | Titanium | Platinum | Gold | Silver | Deductible |
| Medical Expenses | 750,000 | 500,000 | 250,000 | 100,000 | 50,000 | USD 100 |
| Delay of Checked-in Baggage | 250 | 250 | 150 | 50 | NA | After 6 hours |
| Loss of Checked-in Baggage | 2,500 | 2,500 | 2,000 | 1,000 | 500 | NIL |
| Loss of Passport Benefit | 250 | 250 | 250 | 250 | 250 | USD 25 |
| Personal Liability Benefit | 500,000 | 500,000 | 500,000 | 100,000 | 100,000 | USD 100 |
| Study Interruption | 25,000 | 25,000 | 15,000 | 7,500 | 7,500 | NIL |
| Loss of laptop | 500 | 500 | 500 | NA | NA | NIL |
Travel Secure Asia Plan: This is an exclusive travel plan for individuals travelling to Asia. However, travel to Korea and Japan are not included under this plan. It covers personal liability, compassionate visit apart from providing medical coverage to the insured.
| Coverage | Standard (in USD) | Deductible |
| Sum Insured | 50000
|
NA |
| Medical Expenses | 50000 | NA |
| Delay of Checked-in Baggage | 100 | After 6 hours |
| Loss of Checked-in Baggage | 500 | NIL |
| Loss of Passport Benefit | 250 | USD 25 |
| Personal Liability Benefit | 100,000 | USD 200 |
| Emergency cash advance | 500 | NIL |
Travel Secure Senior Citizen Plan: It is a customised travel insurance plan designed for senior citizens travelling abroad. It provides comprehensive coverage to senior citizens so that they can enjoy their trip without worrying about any sort of unforeseen emergencies like footing medical expenses and managing finances for loss of passport or baggage.
| Coverage | Standard (in USD) | Deductible |
| Sum Insured | 25000, 50000, 100000
|
NA |
| Medical Expenses | 25000, 50000, 100000 | NA |
| Delay of Checked-in Baggage | 250 | After 6 hours |
| Loss of Checked-in Baggage | 1000 | NIL |
| Loss of Passport Benefit | 300 | USD 25 |
| Personal Liability Benefit | 100,000 | USD 100 |
| Emergency cash advance | 1,000 | NIL |
How to Apply Online for Royal Sundaram Travel Insurance
- Visit the official website of Royal Sundaram General Insurance
- Select ‘Travel’ from the main page and select the plan you are looking for
- In the next page, enter the no. of travellers, mobile number and click on ‘Get Quote’
- You will get the suitable plan for you in the next. Pay the required premium through debit card, credit card, and net banking
Claim Process for Royal Sundaram Travel Insurance
Loss of Passport/Visa Claim
- Immediately report this to the local police as soon as you become aware of the loss
- The written intimation should be sent to the TPA about the same
- All bills stating the expenses for obtaining duplicate passport should be sent to the insurance company for reimbursement
Medical cover Claim
- In case of any claim, call the insurance company on 1860 425 0000 and register your claim
- Insured can settle the claim related to Medical Expenses either by availing cashless facility or through reimbursement process
- In case of cashless claim, the insurance company needs to be informed prior to taking a treatment.
- In case of reimbursement claim, insurance company should be informed about the situation and claim.
- The TPA will verify the insured through their passport number and settle the claim accordingly
Documents Required for Claim Process
Below are some of the documents which the policyholder needs to submit to file a travel insurance claim:
- Duly filled up signed claim form
- Copy of bills and vouchers in reference to the claim
- Copy of air tickets, boarding pass and passport copy specifying the travel dates
- Cancelled Cheque of your Savings Bank account
Note: This is not an exhaustive list.
Time Taken to Settle Claims
On receiving the required documents from the insured, the insurance company evaluates the claim and settles it within 7-30 days, if found satisfactory.
Exclusions under Royal Sundaram Travel Insurance
Insurance company is not liable to pay if the claim arises because of the following event/s:
- Claims due to pre-existing ailments or medical conditions
- Anxiety, depression and mental disorders
- If the insured participated in hazardous sports activities
- Nuclear weapons, attacks or radiation induced
- Treatment costs of homeopathic, Ayurveda and naturopathy therapies
Renewal Process
Royal Sundaram Multi Trip Policy can be renewed by mutual consent every year provided the insured is in India at the time of renewal. The renewal premium shall be paid to the company before the expiry of the policy to maintain the continuity.
Important Aspects
Always look at various aspects related to the plan so that you don’t get into trouble after buying the plan or while filing a claim.
- Free look period is only provided if you purchase annual multi trip policy or annual student policy
- There is no guarantee for lifelong renewal under any of the travel plans offered
- Insured should make a claim within 30 days
- Check the geographical scope of the plan before buying
Advantages of Royal Sundaram Travel Insurance Plans
Let us look at some of the advantages of buying travel insurance plans from Royal Sundaram General Insurance.
- No pre-acceptance medical check-up is required to buy Royal Sundaram Travel Insurance Plans
- Free look period of 15 days is provided wherein the insured can review the terms and conditions of the policy and return the same if not found suitable
- Offers automatic extension of the policy up to 7 days
- Some of the travel insurance plans provide coverage against burglary under Home Contents Insurance
Customer Care Details
In case you are looking for claim assistance while travelling, connect with their customer care support through the following ways:
- Address: Europ Assistance India Pvt Ltd
Star Hub Building No. 2, 7TH Floor, Near ITC Maratha Hotel, Sahar, Andheri East, Mumbai 400 059. - Call: +91-22-67347878
- Email: royalsundaram@europ-assistance.in
FAQs
Q1. Will this policy help if I am hospitalised overseas?
Royal Sundaram Travel Insurance will cover the expenses related to hospitalisation, OPD, medical consultation fees. In case you are hospitalised for more than 2 days, the policy will provide daily cash allowance benefit to the insured.
Q2. How is the premium decided for travel insurance plan?
The premium payable is based on your age, country travelling to and number of days you are travelling for.
Q3. Can I cancel my travel insurance policy?
In case you are not going overseas due to some reason after getting the plan, you can cancel the policy by informing the insurance company within 14 days from the start of the coverage. The insured needs to submit the copy of passport as a proof that the journey has not been taken. The premium will be refunded after deducting Rs. 250 as cancellation charge.
Q4. I am extending my trip. Can I also extend the insurance coverage?
Yes. In case you need to extend your travel insurance period, it can be done so by paying the extended premium to the insurance company. If no claim has been reported in the policy, the policy will be extended for up to the days mentioned in the policy schedule.
Q5. What do we mean by personal liability?
Personal liability provides coverage to the insured in case s/he gets involved in an unforeseen accident, or become legally liable for an injury to the third party while travelling abroad.