Royal Sundaram Family Plus

Royal Sundaram Family Plus: An Overview

Royal Sundaram Family Plus policy is one such health insurance plan offered under Royal Sundaram Health Insurance that provides extensive health coverage for a large family that covers up to 19 relations. One can buy the Royal Sundaram Family Plus plan and choose up to 15 lakhs sum insured for Individual plan and up to 50 Lakhs Sum insured for Floater Plan.

Sum Insured	Rs 2 lakh-50 lakh
NCB Benefit	Doubles in 5 claim-free year
Age Limit	No bar
Maternity Benefit	Covered
Tenure	1 year

Coverage Offered

The following basic coverage is offered in Royal Sundaram Family Plus Insurance Policy:

In-Patient Care- Inpatient hospitalization, expenses incurred for the room, medicines, ICU, etc., are covered for max. Sum Insured amount.
Pre and Post-hospitalization Cover - Expenses for pre-hospitalization for max 60 days, and post-hospitalization for maximum 90 days, are covered as per the Sum Insured.
Organ Donor Expenses- Coverage for an organ donor's medical expenses up to the Sum Insured is provided.
Ambulance Cover- Any ambulance charges incurred during to and from the hospital are covered for max Rs 4,000 per hospitalization.
Animal Bite Vaccination -In case of an animal bite, vaccination expenses are covered up to Rs 5,000.
No Claim Bonus or NCB- For every claim-free year, NCB is offered from 20% -100% of the Sum Insured, as per policy conditions.
AYUSH Treatment- Any homeopathic or Ayurvedic treatment expenses incurred are covered as follows:
Government hospital - up to the Sum Insured.
Other recognized hospitals – max Rs 30,000.
Second Medical Opinion- Second medical opinion can be availed of from qualified medical consultants for treatment of 11 listed critical illnesses, once a policy year.
Domiciliary Hospitalization Cover- Any medical expenses incurred for domiciliary hospitalization that exceeds 3 days is covered for the maximum cover amount.
Sum Restoration Benefit- If the amount insured is exhausted along with the no claim bonus, the insured will be eligible for a 100% re-load of the Sum Insured.

Inclusions of the Royal Sundaram Family Plus Plan

Following features are included apart from basic coverage in Royal Sundaram Family Plus Health Insurance:

Health and Wellness- Preventive health care services are provided, such as email health bulletins, online doctor availability, and yearly health checkups for adult family members.
Maternity Benefit - Maternity Benefit expenses are covered for a maximum of two deliveries, including the newborn baby's vaccination expenses in the first year and nutritional allowance expenses for the mother after discharge.
Hospital Cash Benefit- In case of hospitalization that exceeds 2 days, cash allowance is offered up to Rs 2,000 per day for 30 days.

Exclusions of the Royal Sundaram Family Plus Plan

Features that are not covered under the Royal Sundaram Family Plus plan:

Pre-existing medical conditions
Diseases contracted in the first 30 days of the policy
Cataract or Knee Hip Replacements
Any other alternative treatment except AYUSH
Artificial Life Maintenance
OPD Medical expenses
Dental Treatment & Plastic Surgery
Congenital Conditions & Gender change treatment
Obesity-related treatment
Hereditary Conditions & Sleep Disorders
HIV /AIDS/ STDs
Self-harm treatment
Treatment received abroad

Please refer to the policy document for the detailed list of exclusions.

Benefits and Features of the Royal Sundaram Family Plus Insurance Policy

Key benefits and features of Royal Sundaram Family Plus Insurance Policy are listed below:

19 relations covered under the same policy
Maternity benefit along with a nutritional allowance
Individual and Floater Sum insured in the same policy
Re-load benefit with no extra cost
No claim bonus for not claiming the policy
No restriction on maximum entry age
Zonal pricing

Eligibility Criteria

To buy this policy, one should understand the following eligibility conditions:

Type	Combination of Individual and Family floater
Minimum Entry Age	Adults: 18 years Child: 91 days
Maximum Entry Age	No Limit
Number of people covered	Up to 19 relations
Residential Status	Indian Residents and Citizens

Cancellation Terms of the Policy

To cancel the Royal Sundaram Health Insurance policy, refer to the following rules:

The policy can be terminated on a 30 days' notice period, and the premium will be refunded if no claim was made till that period.
The insured can return the policy after 30 days of free look period.
If canceled after 30 days of purchasing, the policy will be refunded proportionally based on the number of months passed.

FAQs

Q. What tests are covered in yearly health checkup under the Royal Sundaram Family Plus plan?

Ans: Complete Blood Count, Routine Urine tests, Fasting Blood Sugar, ESR, Lipid Profile, ECG, Kidney Function Test, and a thorough physical examination by a Physician.
Q. Is Ventilator Treatment covered in Royal Sundaram Family Plus Health Insurance?

Ans: Yes, if the person is not brain dead.
Q. What is zonal pricing?

Ans: One can save up to 15% on premium payments if they stay in non-metro cities, given an address is provided.
Q. Can one buy Royal Sundaram Health Insurance online?

Ans: Yes, one can buy this Royal Sundaram Health Insurance by filling the online Royal Sundaram Family Plus proposal form.
Q. Does this policy require a medical checkup?

Ans: No, medical checkups are only required for applicants 45 years and above or those suffering from specifically listed diseases.

Policybazaar exclusive benefits

30 minutes claim support*(In 120+ cities)
Relationship manager For every customer
24*7 claims assistance In 30 mins. guaranteed*
Instant policy issuance No medical tests*

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*We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30- minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881.

*Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. Policybazaar does not provide any medical or surgical advice or diagnosis and is not responsible for your interactions / treatment by a medical practitioner/hospital. Please consult a registered medical practitioner for any medical or surgical advice. The Information that you obtain or receive from Policybazaar, and its employees, or otherwise on the Website is for informational purposes only. As per the Insurance guidelines, you are allowed to cancel the policy with-in 30 days from the date of Issuance of policy.This option is available incase of policies with a term of one year or more.

*All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.

**All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.

*₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.

*₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

*₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

*₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

*₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases

*₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.

*₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.

*No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.

*The values taken for effective cost calculation are indicative values and may change as per the selected plan.

*Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.

*Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.

*The scope of coverage may vary from plan to plan.

~Source: Google Review Rating available on:- http://bit.ly/3J20bXZ

##On ground claim assistance is available in 114 cities

Tax Benefits are subject to changes in tax laws. GST Exemption depends on fulfilment of qualification criteria and submission of relevant documents as required by the insurers. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.

STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.

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Royal Sundaram Family Plus