c Auto Car Insurance Online

c Car Insurance Plans Online in India

c Royal Sundaram offers Car Insurance plan & quote online, a Comprehensive Package Car
Insurance Policy designed to offer enhanced protection to you and your car. Our auto car
insurance policy issuance process is simple, convenient and easy, and our claims service is quick
and hassle-free. We have a world class customer service team which can be reached through our
help lines.

c a Apply Now Auto Insurance Plan>>a a Buy Now Auto Insurance Policy Online >>a

c ½ey Features of Car Insurance Online

Car Insurance Online/Auto Insurance governed by the India Motor Tariff Act. The key features
are:

- Protection from loss of car or damage to your car with Auto Car Insurance plan
- Unlimited Liability for Third Party death/ injury Claims with Auto Car Insurance policy
- Indemnity for third party property damage up to a limit of Rs. 7.5 lakhs
- Speedy authorisation of repairs to get your car back on the road
- Personal Accident Cover for you, your paid driver and the occupants in the car
- Customer Helpline to give you support and guidance when you need it
- Efficient and worry free claims service to give you peace of mind only with Auto Car
Insurance plan from Royal Sundaram
- First Information Report is not required (Unless legally mandatory)

c Ñ tra Benefits of Car Insurance Policy Online

- Special Model Wise Discounts on Own Damage Premium for your car only with Auto Car
Insurance plan
- Discount in premium up to 5% on the Own Damage Premium (or) Max of Rs.200/
- for a valid Member of Automobile Association of India
- Discount in premium up to 2.5% on the Own Damage Premium (or) Max of Rs. 500/- on
Installation of Anti-Theft Device in your car
- Discount of Rs. 100/- in Third Party Basic Premium on reduction in Limits of Liability for
Third Party Property Damage with Auto Car Insurance plan
- Discount of 35% on Own Damage Premium subject to a maximum of Rs. 2,500/- on opting
maximum voluntary deductible of Rs. 15,000/-
- Transfer of No Claim Bonus (NCB) from other insurance company on renewal with Royal
Sundaram¶s Car Insurance Policy Online

c Car Insurance Online Policy Coverages

a) Loss or damage to your car: This Auto Car Insurance policy cover you against any loss or
damage caused to the vehicle due to the following natural and man made calamities

c  at is covered in Auto  at is not covered in Auto Car

Car Insurance Policy Insurance Policy
- Accidental & External - Wear and tear, Depreciation or any
Damage consequential loss
- Fire & Explosion - Mechanical/ electrical breakdown
- Damage caused by a person driving the
- Riot & Strike
car without a valid license
- Damage caused by a person driving the
- Malicious Act
car under the influence of alcohol or drugs
- Burglary, housebreaking/ - Other exclusions as per the policy terms
Theft and conditions
- Landslide
- Transit
- Earthquake
- Storm and Flood
- Terrorism

c
J) LiaJility to T ird Parties (Additional Auto Insurance Policy Covers)

c  at is covered in Auto Car  at is not covered in Auto Car

Insurance Policy Insurance Policy
- Legal protection for death or injury
- Damage to your personal
claims
property
from third parties
- Legal protection for damage to - Costs and expenses incurred
third party without our prior written
property consent
- Other exclusions as per the
- Legal costs and expenses
policy terms and conditions

c
C) Personal Accident Cover to Owner/ Driver: This insurance policy provides compulsory
Personal Accident Cover to the owner/ driver whilst driving the vehicle including mounting into/
dismounting from or traveling in the insured vehicle as a co±driver for Rs. 2 lakhs.

Ñ tra Covers offered under Car Insurance Online Policy

 - Personal Accident Cover to Unnamed Passengers and paid driver for a maximum of Rs. 2
lakhs per person
- Personal Accident Benefits for you, your paid driver and occupants of your car
- Legal liability to paid driver employed in connection with the operation of insured private car
- Legal Liability to the Employees of the Insured other than paid driver who may be driving or
travelling in the car
- Comprehensive cover for Electrical/ Electronic/ Non-Electrical Fittings in the car - Cover for
CNG Kit and Bi-Fuel System which are endorsed in the RC book

c Car Motor Insurance Online

c ½ey Features and Benefits of AutomoJile Insurance
Online Policy India
c Damage to your car

This Car Auto Insurance Policy provides protection for your car from loss or damage caused by
misfortunes such as impact, fire, theft, riot, strike, storm, flood, landslide, malicious act and
earthquake.

Legal LiaJility to T ird Parties

This policy provides for the customers legal protection against death or injury claims from third
parties and for damage to third party property up to the limit of Rs. 7.5lakhs. Car Insurance
Online also includes cover for your legal costs and expenses agreed by Royal Sundaram.

Personal Accident

Under this Online Car Auto Insurance we provide the Owner Driver a Capital Sum Insured of
Rs. 2 lakhs for death or permanent total disability. We also provide an option to insure other
named and unnamed occupants of the car for Personal Accident benefits for death and serious
injuries.

ider Legal LiaJility for your Paid Driver

Auto Insurance/Car Insurance Online also gives you the option to provide for a wider cover of
your legal liability to your Paid Driver, over and above what is offered as per the Workmens
Compensation Act.

DeductiJle
Car Auto Insurance Online includes a deductible of Rs.500 for cars not exceeding 1,500cc and
Rs.1,000 for cars exceeding 1,500cc. This means that you pay the first amount of each claim for
loss or damage to your car. This policy gives you the opportunity to get a discount on the
premium if you choose to increase this deductible. The discount is allowed from the Loss or
Damage Section premium.

c Car Motor Insurance Online

c ½ey Features and Benefits of AutomoJile Insurance
Online Policy India
c Damage to your car

This Car Auto Insurance Policy provides protection for your car from loss or damage caused by
misfortunes such as impact, fire, theft, riot, strike, storm, flood, landslide, malicious act and
earthquake.

Legal LiaJility to T ird Parties

This policy provides for the customers legal protection against death or injury claims from third
parties and for damage to third party property up to the limit of Rs. 7.5lakhs. Car Insurance
Online also includes cover for your legal costs and expenses agreed by Royal Sundaram.

Personal Accident

Under this Online Car Auto Insurance we provide the Owner Driver a Capital Sum Insured of
Rs. 2 lakhs for death or permanent total disability. We also provide an option to insure other
named and unnamed occupants of the car for Personal Accident benefits for death and serious
injuries.

ider Legal LiaJility for your Paid Driver

Auto Insurance/Car Insurance Online also gives you the option to provide for a wider cover of
your legal liability to your Paid Driver, over and above what is offered as per the Workmens
Compensation Act.

DeductiJle

Car Auto Insurance Online includes a deductible of Rs.500 for cars not exceeding 1,500cc and
Rs.1,000 for cars exceeding 1,500cc. This means that you pay the first amount of each claim for
loss or damage to your car. This policy gives you the opportunity to get a discount on the
premium if you choose to increase this deductible. The discount is allowed from the Loss or
Damage Section premium.

c Travel Insurance Online

c Buy Overseas Travel Insurance Plans Online in India
c Traveling abroad can be exciting and at the same time quite challenging, if we are not well
prepared. A little bit of planning before you leave can make your trip smooth and memorable.

Besides your luggage, money, passport and tickets, the next important item to accompany you on
your trip is a reliable travel insurance plan to take care of any unexpected event.

Until you return to India, Overseas Travel Insurance Plan guards you from unexpected incidents
such as baggage delay, loss of baggage, flight delays, medical expenses and loss of travel
documents, all under one convenient package, at an affordable price.

½ey Benefits of Travel Insurance Policies Online

- Instant Coverage with Travel Insurance Online plan
- No Documentation for Overseas Travel Insurance policy
- No Medical Examination for Travel Insurance Online

c Insurance For Travel

c Travel Healt Insurance Policy - Features and Benefits
c ½
   
   


Aou could choose between the 4 travel insurance plans available under Single trip or 2
plans under Multi trip as per your requirement. Find below the benefits for each of the
plans:

c a Apply Now Travel Healt insurance >>a a Buy Now Travel Insurance Policy >>a
c

Single Trip- Travel Shield

Multi Trip
Secure
Risks Coverage * Deductibles
Classic Classic
Silver Silver Plus Basic Classic
Silver Silver
 Plus

Overseas Health Cover 100000 150000 25000 50000 100000 150000 USD 100

Emergency Dental
400 400 300 300 400 400 USD 150
treatment

Repatriation of remains 7500 7500 7500 7500 7500 7500 Nil

Hospital Daily
15 / day ( a 15 / day ( a
Allowance (after 72 NA NA NA NA 72 hrs
max of 150) max of 150)
hours)

Accidental Death &

dismemberment 24 25000 25000 5000 10000 15000 15000 Nil
hours

Accidental Death &

dismemberment NA NA NA NA 5000 5000 Nil
Common Carrier

Loss of Checked
1000 1000 250 500 1000 1000 Nil
Baggage

Baggage Delay (After

100 100 50 50 100 100 12 hours
12 hrs)

Loss of Passport, Visa 250 250 250 250 250 250 USD 30

100 per Day 100 per Day NA NA 100 100

Hijack Distress
Max Max 24 hrs
Allowance Max 500 Max 500
500 500

10 per 10 per
10 per 12 hrs 10 per 12 hrs NA NA
12 hrs 12 hrs
Trip Delay(After 12 hrs) 12 hrs
Max Max
Max 100 Max 100
100 100

Home Insurance(Per
200000(INR) 200000(INR) NA NA 100000 100000 Nil
Family)

Personal Liability 200000 200000 50000 100000 100000 100000 USD 200

Automatic Extension of Yes Yes Yes Yes Yes Yes Nil

Policy up to 7 days
 extension

c Note: Benefits are in USD e cept w en stated ot erwise. All illness arising due to
Swine flu is e cluded in t is policy.

c
c ½ey Features
c
c
c
c - Medical advice over the telephone
- Medical services provider referral
- Arrangement of appointments with local doctors for treatment
- Arrangement of hospital admissions
- Monitoring of medical condition during hospitalization
- Direct settlement for in-hospital medical expenses abroad (Medical expenses in
excess of US $500 only will be entertained for direct claims settlement)
- Arrangement of emergency medical evacuation
- Arrangement of medical repatriation
- Arrangement of transportation of mortal remains
- Inoculation and visa requirement information
- Lost baggage and lost passport assistance
- Emergency message transmission assistance
- Embassy and legal referral services
- Interpreter referrals
- Weather and exchange rate information
- Information on claims procedure
c Exclusions
c This Travel policy does not cover claims arising out of exclusions. Some of the important
exclusions are stated here. For details please refer the policy wording.
Overseas Healt cover
1. Claims arising out of pre-existing diseases, whether known or unknown and
complications arising from them.
2. Pregnancy and related complications.
3. Medical expenses incurred as a result of alcohol and/or drug abuse,addiction or
overdose.
4. Treatment that could reasonably be delayed until the Insured Person's return to the
Republic of India.
5. Any costs related to mental or psychiatric disorders.
Personal Accident Cover
1. Accident whilst engaging in aviation or ballooning, except when the Insured Person is
flying as a fare paying passenger on a multi engine, commercial aircraft.
2. Any claim for death or Disablement of the Insured Person from (a) intentional
self-injury, suicide or attempted suicide (b) whilst under the influence of intoxicating
 liquor or drugs (c) self-endangerment unless in self-defense or to save life.
åeneral Ñ clusions
Any claim arising out of sporting activities in so far as they involve in training or
participation in competitions of professional or semiprofessional sports persons, unless
declared beforehand and necessary additional premium paid.

c nline Home Insurance India

c Property Insurance and Home Insurance Cover
c Protect your dream Home against damage and destruction due to natural and man-made
calamities.
We offer two types of Home Insurance solutions:

a) Property Insurance with Home Contents Online

b) Home Insurance Cover with Home Shield Online

c Home Contents Online

c Whether it is your prized electronics, precious jewellery or expensive furniture and fixtures,
we provide your protection under this policy against the risk of burglary, fire and allied perils.

c a Property Insurance - ½now More >>a

c Home Shield Online

c This policy covers the structure of your home, in case it is damaged or destroyed due to any
natural or man-made disaster.

c Home Content Insurance

c Online Home Content Plan
c Did you know, all your valuable jewellery and appliances at home can be protected and
covered through our specially designed Home Content Online Plans?

Home Contents Policy covers all your household contents, appliances, against the risk of Fire
and Allied perils, Burglary, Electrical and Mechanical Breakdown. The Jewels are also covered
against the risk of Fire and Allied perils, Burglary, Housebreaking, Larceny and theft.
c ½ey Benefits :

- Instant Coverage
- No Documents required
- Three convenient plans to choose from ± Silver, Gold and Platinum
- Simple and easy claims process

c Hospital Insurance
c Hospitalization Insurance Online
c Hospitalization is expensive! In addition to hospital bills and medicines, incidental expenses
like special diet, commuting to the hospital and back, hospital stay with the patient become an
additional burden on the family's financial resources.

Hospital Cash Online provides you with the solution for this extra financial burden during
hospitalization. Hospital Cash Online is NOT a substitute for Health Insurance, but should be
viewed as a supplement cover to help you and your family members in the event of
hospitalization.

c a Hospital Cas Insurance - Apply Now >>a a Hospital Cas Insurance - Buy Now >>a

c Key Benefits

c - Instant Coverage
- No Documentation required
- No Medical Examination required
- Daily Cash benefit of Rs.1000/- for up to 180 days
- Income Tax benefit under section 80D of the IT Act
- Double Accident benefit, Triple ICU benefit and Convalescence benefit

c Hospital Cas Insurance Online

c Hospital Cas - Features and Benefits
c There are hidden costs to hospitalization which are not covered by Health insurance, for
example, expenses incurred on conveyance by family members to and from hospital, special diet
expenses, expenses incurred by family member staying with patient and so on.

This product provides the insured with a daily cash benefit for each 24 hours spent in the
hospital. Hospitalization could be due to sickness or accident. This product is not a substitute for
Health Insurance, rather this is a supplement to the existing insurance covers bought individually
or provided by the employer.

c a Hospital Cas Insurance - Apply Now >>a a Hospital Cas Insurance - Buy Now >>a

c Who can be insured?

c - This insurance is available to persons between the age of 1 year and 60 years at the
commencement date of the Policy. However, renewal is accepted up to 70 years.
- This cover is available for Self, Spouse, Dependant Children and Dependant Parents.

c Key Features

c - Instant coverage
- No Medical Examination required
- No Documentation required
- Up to 180 days of Hospitalization Cash benefit
- Automatic Renewal Facility
- Double Accident benefit; Triple ICU benefit
- Income tax benefits on premium paid as per section 80D of the IT act

c Key Benefits
c BENEFITS SILVER PLAN GOLD PLAN
Illness Hospital Confinement Rs 500 per day Rs 1,000 per day
Accident Hospital Confinement Rs 1,000 per day Rs 2,000 per day
Intensive Care Benefit Rs 1,500 per day Rs 3,000 per day
Convalescence Benefit Rs 7,500 lump sum Rs 15,000 lump sum
c Illness Benefit

c - For each 24 hour period of hospital confinement, the benefit payable is the daily
sum insured as per the plan selected by customer.

c Accident Benefit

c - This benefit is payable only in excess of first 24 hours of confinement.

- Benefit payable will be increased to double the illness benefit for each 24 hour
period of hours of confinement, resulting from an insured person sustaining bodily
injury due to road, rail or air accident.

- This benefit is payable up to a maximum of 21 days during the entire policy period.
c ICU Benefit

c - Benefit payable will be increased to triple the illness benefit for each 24 hour
period of hospital confinement, where an insured person is being confined to an
intensive care unit for a maximum of 21 days during the policy period.

- For this purpose, the Intensive Care Unit shall be the special hospital unit
for critically ill patients whose health requires continuous intensive
medical care and treatment.

c Convalescence Benefit

c - A fixed lump sum amount as per Plan chosen is payable if the confinement in
hospital exceeds 21 consecutive days.

- This benefit is payable once in the policy period.

- This benefit is payable only if there is an admissible claim under any of the daily
benefits.

c Family Discount

c A discount of 10% is offered if 3 or more persons are covered under the same policy.