Royal Sundaram, a renowned name in the Indian insurance industry and the first private sector general insurance company providing customized insurance solutions and plans to meet divergent needs of the individual, family, business. The promoters of the company Sundaram Finance- Indias biggest Non Banking Financial Company and Royal Sundaram General Insurance Co. Limited, the second largest general insurance company in UK follows the practice of innovative products, high class service and ease of claim settlement process. In fact, Royal Sundaram was the first insurance company to introduce concepts like cashless claims processes, and value add partnerships with top institutions to have an extended market research. Royal Sundarams Overseas Travel Insurance Plans provides some of the unique features and benefits which protect one individual from all sorts of common risks of medical insurance, loss of baggage, loss of travel documents etc. Why availing travel insurance Holidays, vacations, business trips are parts and parcels of anybodys life and are essential too. In todays busy and fast life, going out for holiday or going out for business meetings are common phenomenon. And it becomes utmost important for a person to protect oneself and his family towards any untoward incidents and risks arising out of travelling. Travel Insurance plans complete protection throughout the trip and offers even reimbursement/ compensation when there is an emergency and on can stay well sheltered under various travel insurance plans. Why availing traveling insurance plans from Royal sundaram? Travelling abroad is of great leisure but at times its not only expensive but uncertain too, especially when an unforeseen incident happens and one looses track completely. One might require several things starting from medical care to legal assistance etc. And because of the unparalleled features and supreme travel insurance plans by Royal Sundaram , one should go ahead and avail travel insurance plan from the said company: Plans offering cashless treatment during medical emergencies upto USD 150000. Online policy without documentation or medical tests. Dedicated 24×7 helpline number. ISO certified claims process. Flexible covers with attractive premium rates. Plans offering legal Liability Upto USD 200000 Loss of passport / visa Loss/ delay of checked in baggage. Trip delay reimbursement. Types of Travel Insurance Plans provided by Royal Sundaram: Single Trip Travel Insurance Plan. Multi Trip Travel Insurance Plan. Single Trip Travel Insurance Plan : Under this plan, the coverage starts the moment one board the flight for the overseas trip and return back to India or with the end of Insurance Period i.e, the period for which the premium has been paid whichever is earlier. This plan covers for a time period of 180 days. Multi Trip Travel Insurance Plan: Here one can travel as many times as he wants in 365 days provided one trip lasts not more than 45 days. Also the total number of days one stays out of the country should not exceed 180 days. Features and Benefits of Royal Sundaram Travel Insurance Plans The unique and distinctive features of Royal Sundaram Travel Insurance Plans can be classified are as under: Medical Plan Trip Plan General Plan Lets look individually into the above plans: Medical: Under this plan, the following are included: Medical assistance through telephonic. Assistance in arrangement of hospital admissions. Medical services provider referral. During hospitalization, monitoring of medical condition. Arrangement of emergency medical evacuation. For in hospital expenses, facility of direct settlement. Arrangement of medical transfer. Transfer of remains. Under this plan, in case a person is undergoing treatment, medical expense is covered upto 60 days even after 60 days after the expiry of the policy. The treatment can be covered upto 30 days in India in case the emergency treatment can be done in India and the transportation is possible. Trip: Under this plan, the following are included: Support for Lost baggage and lost Passport. Embassy referral service. Under this plan, immunization and Visa requirement information. Exchange rate information. General: Under this plan, the following are included: Legal referral service Interpreter service Weather information. Help in emergency message transmission service. Assistance in claims procedure. Lets have a look at the covers and allowances: Eligibility: Infants more than 3 months old and adults upto 70 years of age can be covered under this plan for trips outside India. However, the purpose of visit or travel should not be for immigration or for studies. How can one decide the plan which is required for abroad trip? The following are the factors which should be considered while choosing a travel insurance plan while going travelling to a foreign country. The country where one is travelling to. Healthcare system in the country. Age and health condition of the people travelling. Senior Citizens may require a plan with a higher protection and thus should choose a higher medical coverage. Weather condition of the country. Travel Benefits will not be provided under the following circumstances: The company will not be able to provide the benefits under the plan for the below mentioned circumstances: Medical :This plan does not cover the following: Pregnancy and its related treatment. Preexisting illnesses. Treatment for mental disorders. If treatment was the only purpose of travelling abroad. Travelling against the advise of the doctor. Treatment which could have been delayed till the insured person returns to India. Home in India: This plan does not cover the following If the home remains unoccupied for more than 90 consecutive days then the coverage will not be provided. The home is a building of Kutcha Constrcution. Personal Liability :This plan does not cover the following: Consumption of drug and alcohols. Unlawful act. Employers Liability. Disputes between family members, travelling companions or friends. Personal Accident :This plan does not cover the following: Pre existing diseases. Pregnancy and related complications. Damage caused due to radiation contamination. Disability caused due to stroke, fits or convulsions. Intentional self injury. Accident which is caused due to dangerous activity like gliding, rafting, ballooning etc. Personal Liability :This plan does not cover the following: Consumption of drug and alcohols. Unlawful act. Employers Liability. Disputes between family members, travelling companions or friends. Trip Inconvenience :This plan does not cover the following: Baggage containing perishable things. Delay due to Custom Officials. On arrival in India, delay in baggage. Travel documents are confiscated by Customs Officials. Purchasing Royal Sundaram Travel Insurance Online: One can purchase the Travel Insurance plans with much ease through the following steps: One can visit the official website where there is a Travel Insurance Quote link, one has to click on the link. Certain details needs to be entered like name, contact details etc. Details of the trip and the travelers needs to be filled in. Post this, the premium has to be calculated. On the basis of the information provided, the premium will be calculated. After clicking on Proceed, Quote Id will be generated for Travel Shield online. The additional information page will ask for the passport number, to furnish any preexisting disease, details of nominees etc. The communication address needs to be provided. The summary page will be displayed and the same needs to be checked. After verifying the details, one can go ahead and buy the policy. Royal Sundaram Travel Insurance Claim Process: The claims are classified into the following categories for the ease of the customers: Claims process for Health cover plans -cashless benefits. Claims process for Health cover plans -Reimbursement. Claims process for loss of baggage / delay in checked in baggage Claims process for Personal Accident. Lets see each of the process : Claims process for Health cover plans -cashless benefits: This includes: The TPA needs to be contacted through the helpline numbers of Paramount Alarm Centre. The passport and policy number needs to be mentioned. The TPA will contact the hospital authority to start the cashless treatment after evaluating of the same. Claims process for Health cover plans -Reimbursement. The TPA needs to be contacted through the helpline numbers of Paramount Alarm Centre. The passport and policy number needs to be mentioned. The duly filled claim form needs to be submitted within 30 days of completion of treatment together with the below mentioned original documents : Discharge Summary Bills/ Receipts Test Reports Other documents which will enhance the claim. All the documents needs to be sent to the Paramount Healthcare Services in Mumbai. The claim will be assessed. In case of unfortunate death of the insured, the death certificate needs to be furnished. Claims process loss of baggage / delay in checked in baggage: The TPA needs to be contacted through the helpline numbers of Paramount Alarm Centre. The passport and policy number needs to be mentioned. The duly filled claim form needs to be submitted together with the below mentioned documents : Boarding Pass/ Baggage Coupon. List of articles lost Property Irregularity report. Proof of ownership of articles which is valued more than USD 100. Certificate from Airlines confirming delay. Letter from Airlines confirming the loss/delay of baggage and compensation. All the documents needs to be sent to the Paramount Healthcare Services in Mumbai. The cheque will be sent if the claim is approved. Claims process for Personal Accidents: The TPA needs to be contacted through the helpline numbers of Paramount Alarm Centre. The passport and policy number needs to be mentioned. The duly filled claim form needs to be submitted together with the below mentioned documents within a moth of treatment or transportation to home or in case of death, transfer of remains to home. : Discharge Summary Bills, Relevant Scan reports, FIR If available then newspaper cuttings. In case of unfortunate death of the insured, one needs to send the following: Death Certificate Post Mortem Report Legal Heir Certificate. All the documents needs to be sent to the Paramount Healthcare Services in Mumbai. The cheque will be sent if the claim is approved. In all the above cases, the company or the TPA might ask for the additional documents to process the claim and ask or make query for better understanding and clear doubts ( if any).
