Royal Sundaram Health Insurance

Health Insurance requirement differs from person to person. This is why there are many plans that consumers can avail. Some offer basic cover for you and your family, where as some extend to cover maternity expenses as well. Also, you can get medical insurance plans that cover non hospitalization expenses assisting you to handle the crisis situation better.A Disease or an accident requiring unexpected hospitalization is not just a major threat to your health but your savings as well. A health insurance plan helps you to meet such a crisis situation with ease. The comprehensive cover of a medical insurance plan ensures all aspects of hospitalization are well covered allowing you to focus your attention on your family’s good health.With growing healthcare cost it is important to cover your hospitalization expenses with Health Insurance Policy. If you already have Medical Insurance, it will be beneficial to supplement it with a Hospital Cash Insurance Plan which covers incidental expenses incurred during hospitalization.

Master Product Total Health Plus
When it comes to your family, you want to keep your loved one safe from any unfortunate eventualities. But a sudden illness, a serious accident or a surgery cannot be avoided, and it can lead you to spend your hard earned savings to give your family the best medical attention.
Royal Sundaram brings you  Master Product – Total Health Plus – which gives you larger coverage than offered by any basic health insurance.

Who can be covered?
Persons aged  18 years and above can be the Proposer.You can avail this plan to cover yourself, spouse, dependent parents aged upto to 65 years and dependent children aged between 91 days to 21 years.

Coverage options available under Total Health Plus: This Health Insurance Plan gives you the flexibility to get cover both on an individual basis (self, spouse, parents) and as a family (including children).

There are two options available under this plan:

1. Individual Plan
Get cover for yourself, Spouse, Father,Mother and also to any other legal dependents such as brother, sister, mother-in-law, father-in-law, grandfather, grandmother, grand-daughter, grandson, daughter-in-law, son-in-law, under individual Sum insured.

2. Family Floater Plan
If you want to cover yourself and your family members under a single plan, you should go for a Family Floater Plan. The Sum Insured floats among family members.

Dependent children  & women aged upto 35 years shall be offered cover under same policy, with other family members.

Key Benefits:

  • Hospitalisation  Expenses
  • Pre/Post Hospitalisation Expenses
  • Ambulance charges
  • Master Health Check Up
Exclusive  Benefits :
  • Indexation Benefit
  • Accident Hospitalisation Benefit
  • Maternity Benefit
  • Hospital Cash Benefit
  • Outpatient Treatment Charges
Exclusive Features :
  • Get 10% family discount to cover 3 or more members in same policy
  • Get 5% No claim discount on renewal premium
  • Cover of Pre-Existing disease after 3 years of continuous insurance
  • Avail cover for 147 day care procedure – no need for 24 hours stay
Get policy without medical tests :
  • Up to 50 years – For Sum Insured of Rs.3 lakhs and 4.5 lakhs
  • Up to 45 years – For Sum Insured from Rs.3 lakhs and up to Rs.10 lakhs