Never purchase Royal Sundaram Health Insurance, whatever you claim will be rejected under some pretext. First of all to get to speak to the people in the call center is impossible, to make things worse, the local numbers are attended to by cold and uncaring staff.
I have paid premiums for 7 years, my first attempt to claim itself was not attended to.It is better to save up money and pay for your own expenses than to argue and plead with these con companies. In the modern era of quick turn-around, patients are attended to within 12 hours, e.g. day care surgeries or early discharge. Insurance cos should learn from this fact and modify policies to negate mandatory hospitalization for claims processing. Thank God for IRDA’s insurance portability, I shall change over at the earliest. Rajeev Bangalore