Royal Sundaram Health Insurance for Parents
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Royal Sundaram Health Insurance for Parents
Royal Sundaram Health Insurance Plans for Parents offers a diverse range of insurance options, each meticulously designed to address the distinct needs of parents above 50 years. With unique features like in-patient care, modern treatments, and day-care procedures, Royal Sundaram's health insurance plans cater specifically to the healthcare requirements of parents. These plans are crafted to provide financial security and peace of mind, covering medical expenses such as pre and post-hospitalization costs, organ donor expenses, and AYUSH treatments.
Royal Sundaram Health Insurance Plans for Parents
Discover an array of Royal Sundaram Health Insurance plans tailored to meet the needs of parents:
| Plan Name | Plan Variant | Sum Insured | Pre-existing Diseases Waiting Period | Co-Payment |
| Multiplier Health Insurance Plan | - | Rs 5 lakhs to Rs 25 lakhs | 3 Years | Voluntary Co-payment Option of 5% to 20% |
|
Lifeline Health Insurance Plan |
Classic | Rs 2 lakhs to Rs 4 lakhs | 4 Years | - |
| Supreme | Rs 5 lakhs to Rs 1 Crore | 3 Years | - | |
| Elite | Rs 25 lakh to Rs 1.5 Crore | 2 Years | 20% for International Treatment of 11 specified Critical Illnesses |
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Eligibility Criteria for Royal Sundaram Health Insurance for Parents
These are the requirements for purchasing Royal Sundaram Health Insurance for parents:
| Plan Name | Minimum Entry Age | Maximum Entry Age | Renewability |
| Multiplier Health Insurance Plan |
18 years | 65 years | Lifelong |
| Lifeline Health Insurance Plan | 18 years | Lifetime | Lifelong |
Key Benefits of Royal Sundaram Health Insurance for Parents
Below, you will find the key benefits of Royal Sundaram Health Insurance for parents:
- Inpatient Care: Covers medical expenses for hospitalization, including medical practitioner's fees, diagnostic tests, medicines, treatment charges, and more.
- Modern Treatments: Covers listed modern treatments up to the sum insured.
- Pre-Hospitalisation Expenses: Covers related medical expenses incurred 30 days/60 days prior to hospitalization, as per the plan chosen.
- Post-Hospitalisation Expenses: Covers related medical expenses incurred up to 60 days/ 90 days/ 180 days from the date of discharge, as per the plan chosen.
- Day-care Treatment: Covers all day-care procedures requiring less than 24 hours of hospitalization.
- Organ Donor Expenses: Covers medical expenses for an organ donor's treatment for organ harvesting.
- Domiciliary Hospitalization: Covers medical expenses for medical treatment taken at home if the treatment continues for 3 days.
- AYUSH Treatment: Covers medical expenses for alternative treatment taken in government hospitals or recognized institutes.
- Emergency Ambulance Cover: Covers reasonable and customary charges for ambulance expenses for transportation to the nearest hospital.
- Annual Health Check-up: Covers the cost of a health check-up as per eligibility, over and above the base sum insured.
- Avail Tax Benefits under Sec 80 D of the Income Tax Act
Inclusions of Royal Sundaram Health Insurance for Parents
The coverage elements encompassed in Royal Sundaram Health Insurance for parents consist of:
| Coverage | Multiplier Health Insurance Plan | Lifeline Health Insurance Plan |
| In-patient hospitalization expenses | ✓ | ✓ |
| Pre-hospitalization medical expenses | ✓ | ✓ |
| Post-hospitalization medical expenses | ✓ | ✓ |
| Day care treatment | ✓ | ✓ |
| Domiciliary hospitalization | ✓ | ✓ |
| Road ambulance cover | ✓ | ✓ |
| Organ donor expenses | ✓ | ✓ |
| AYUSH treatment | ✓ | ✓ |
| Domestic emergency assistance services | ✓ | ✓ |
| International emergency assistance services | X | ✓ (Available for Elite Plan only) |
| Second e-opinion on major illnesses | ✓ | ✓ (Available for Supreme & Elite Plan only) |
| Modern treatments | ✓ | ✓ |
| OPD treatment | X | ✓ (Available for Elite Plan only) |
| Super reload | X | ✓ |
| Dental consultation & investigations | X | ✓ (Available for Elite Plan only) |
| International coverage for major illnesses | X | ✓ (Available for Elite Plan only) |
| Critical illness cover | X | ✓ (Available for Elite Plan only) |
| Vaccination cover | ✓ | ✓ |
Optional Inclusions (Purchased as Add-ons)
You have the choice to include these optional coverages as part of your Royal Sundaram Health Insurance for Parents:
- Health & Wellness Plus
- ABCD Benefit
- Hospital Plus
- Voluntary Co-payment
- Top-up plan on Aggregate annual deductible options
- Include US and Canada for Worldwide Emergency Hospitalization and International Treatment for specified Critical Illnesses
- Refresh of Sum Insured
- Bariatric Surgery
- Mobility Devices
- Second Opinion for an additional 11 specified Critical Illnesses
- In-Vitro Fertilisation(IVF) Treatment
Exclusions of Royal Sundaram Health Insurance for Parents
Under Royal Sundaram Health Insurance for Parents, the following medical costs are excluded from coverage:
- Non-medical expenses
- Treatments due to alcohol addiction, drug or substance abuse, or any addictive condition and their consequences
- Obesity and weight control treatments
- Cost of contact lenses, spectacles, and hearing aids
- Cosmetic or plastic surgery
- Treatment for baldness
- Intentional self-injury
- Treatments taken outside the geographical limits of India, unless covered under specific sections of the policy
- Nuclear, chemical, or biological attack or weapons
- Ancillary hospital charges
- Treatment for sexually transmitted diseases, sleep disorders, sexual problems, and developmental problems
FAQs
-
Q1. What does Royal Sundaram Health Insurance for Parents cover?
Ans: The policy covers various medical expenses such as inpatient care, modern treatments, pre-hospitalization expenses, post-hospitalization expenses, day-care treatment, organ donor expenses, domiciliary hospitalization, AYUSH treatment, emergency ambulance cover, vaccination in case of animal bite, emergency domestic evacuation, annual health check-up, preventive healthcare and wellness, second opinion for critical illness, flexi reload of sum insured, among others. -
Q2. Are modern treatments covered under Royal Sundaram Health Insurance for Parents?
Ans: The plan covers modern treatments such as uterine artery embolization, balloon sinuplasty, deep brain stimulation, oral chemotherapy, immunotherapy, robotic surgeries, and more. -
Q3. What is covered under pre-hospitalization and post-hospitalization benefits of Royal Sundaram Health Insurance for Parents?
Ans: The plan covers pre-hospitalization expenses incurred 30 days/60 days prior to hospitalization and post-hospitalization expenses incurred within 60 days/ 90 days/ 180 days from the date of discharge, as per the plan chosen. -
Q4. What is covered under the inpatient care benefits in Royal Sundaram Health Insurance for Parents?
Ans: The inpatient care benefit covers medical expenses for hospitalization, including room rent, nursing expenses, intensive care unit charges, surgeon and specialist fees, operation theatre charges, surgical appliances, medicines, and diagnostic tests. -
Q5. What does day-care treatment in health insurance cover?
Ans: Day-care treatment covers medical expenses for day-care treatments or surgeries that require less than 24 hours of hospitalization.
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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Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in
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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.
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##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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