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.