Royal Sundaram Health Insurance

Royal Sundaram Critical Illness Lumpsum Plan

The Royal Sundaram Critical Illness Lumpsum plan provides coverage for 9 critical illnesses that can create a financial burden on the policyholder. The sum insured ranges from Rs 25,000 to Rs 25 lakh under this plan.

Features & Benefits:

Lump sum payment is made on the diagnosis of the disease
No pre-policy medical examination is required for up to 30 years
A 30 survival period of 30 days is also applicable

Royal Sundaram Multiplier Health Insurance Plan

The Royal Sundaram Multiplier Health Insurance plan provides comprehensive medical coverage to the insured for emergency and planned medical conditions. It comes with a sum insured ranging from Rs 5 lakh to Rs 25 lakh

Features & Benefits:

In-patient care, AYUSH treatment and domiciliary hospitalization are covered
Emergency domestic evacuation and animal bite vaccination cover are available
Second opinion for 22 critical illnesses as well as ambulance charges, including app-based cabs, are covered
100% flexi-reload benefit and annual health check-up facilities are available
4X multiplier benefit and PED coverage from 2nd year are available
20% no claim bonus for up to 100% is available for every claim-free renewal
ABCD benefit, hospital plus and voluntary co-payment are available as optional covers

Royal Sundaram Hospital Benefit Plus Insurance Plan

The Royal Sundaram Multiplier Health Insurance plan provides comprehensive medical coverage to the insured for emergency and planned medical conditions. It comes with a sum insured ranging from Rs 5 lakh to Rs 25 lakh

Features & Benefits:

Hospital confinement benefit is paid for each day of accidental & sickness hospitalization
Trice the daily allowance amount is paid for ICU hospitalization
Convalescence benefit is paid for hospitalization of more than 21 days
Coverage for accidental death and permanent total disablement are available
No medical examination is required to buy this policy
5% no claim bonus for up to 25% is granted if no claims are raised

Royal Sundaram COVID Secure Plan

The Royal Sundaram COVID Secure plan provides financial coverage to people diagnosed positive for the COVID-19 disease. It is available for a sum insured of Rs 25,000 and Rs 50,000.

Features & Benefits:

Lump sum payment is made upon getting diagnosed with COVID-19
Both in-patient hospitalization and home/institutional quarantine are covered
A waiting period of 30 days is applicable

Royal Sundaram Surgical Shield Insurance Plan

Royal Sundaram Surgical Shield Insurance is a customized plan designed to provide coverage for surgical medical treatments. It offers a maximum sum insured of Rs 3 lakh.

Features & Benefits:

Coverage for 100 surgical treatments are available
Emergency ambulance charges and the cost of diagnostic tests are covered
Hospital cash for each day of hospitalization is available
Waiting period of 90 days to 2 years is applicable depending on the surgery

Royal Sundaram Income Protector Plus Plan

The Royal Sundaram Income Protector Plus plan provides financial support to the insured in case he/she meets with an accident anywhere across the world. The sum insured ranges from Rs 2 lakh to Rs 32 lakh under this plan.

Features & Benefits:

Accidental death and permanent total/partial disablement are covered
Monthly income benefit and recovery benefit are available
Accidental hospitalization and transportation of mortal remains expenses are covered
Educational grant is also provided
5% cumulative bonus for up to 25% is payable on every claim-free renewal

Royal Sundaram Multiplier Health Insurance Plan

The Royal Sundaram Secure All plan provides medical coverage to the insured in case of a health emergency. The sum insured ranges from Rs 1.5 lakh to Rs 5 lakh under this plan.

Features & Benefits:

Hospitalization expenses and modern treatments are covered
Recovery benefit and hospital cash benefit are available
Worldwide personal accident cover is also available
5% cumulative bonus for up to 50% is granted on every claim-free renewal

Royal Sundaram Advanced Top Up Health Insurance Plan

The Royal Sundaram Advanced Top Up Health Insurance plan provides extensive medical coverage to the insured with an in-built deductible. While the sum insured ranges from Rs 10 lakh to Rs 95 lakh, the deductible varies from Rs 5 lakh to Rs 25 lakh.

Features & Benefits:

In-patient care, modern treatments and day care treatments are covered
Home care treatment, domiciliary hospitalization and AYUSH cover are available
Cost of ambulance services, including app-based cabs, is covered
Life protect benefit and the second opinion for critical illnesses are available

Royal Sundaram Smart Cash Plan

The Royal Sundaram Smart Cash plan provides a daily allowance to the insured to cover incidental expenses incurred during hospitalization. The sum insured of this plan varies from Rs 500 per day to Rs 10,000 per day. Besides, the plan is divided into three types – Silver, Gold and Platinum.

Features & Benefits:

Domestic and international hospital confinement benefit is paid
Twice the benefit is paid in case of accidental hospitalization
Joint accidental hospitalization and convalescence benefit are paid
Childbirth benefit, PED benefit and health check-up benefit are available
Intensive care benefit, parental accommodation benefit and emergency family member visit benefit are also available
Personal accident benefit is available as an optional cover

Royal Sundaram Personal Accident Care Platinum Insurance Plan

The Royal Sundaram Personal Accident Care Platinum Insurance plan provides worldwide coverage to the insured in case of an accident. It comes with a sum insured of Rs 10 lakh and Rs 25 lakh.

Features & Benefits:

Accidental death and permanent total disability are covered
Monthly income benefit and educational grant are available
Accidental hospitalization expenses and the cost of transporting the mortal remains are covered
5% cumulative bonus for up to 25% is paid in case of no claims

Royal Sundaram Personal Accident Care Gold Insurance Plan

The Royal Sundaram Personal Accident Care Gold Insurance plan covers the insured against accidental injuries that may lead to a major financial burden. It offers a sum insured of Rs 10 lakh and Rs 20 lakh.

Features & Benefits:

Coverage for death resulting from an accident are available
Permanent total disability due to accidents is also covered
5% cumulative bonus for up to 25% is available for every claim-free renewal

Royal Sundaram Surgicare Insurance Plan

The Royal Sundaram Surgicare Insurance plan protects the insured against the financial implications of undergoing surgeries. The sum insured of this plan ranges from Rs 1.5 lakh to Rs 3 lakh.

Features & Benefits:

Fixed cash amount is paid on undergoing 140 surgical procedures
Daily allowance is also paid for each day of hospitalization
Cost of a medical second opinion is also covered
No medical examination is required for people below 50 years

Royal Sundaram Rural Accident Insurance Plan

The Royal Sundaram Rural Accident Insurance plan has been customized to provide personal accident cover to people living in rural areas, such as farmers, corporate labourers, agricultural workers, etc. It offers a minimum sum insured of Rs 25,000 for up to a maximum of 60 times the monthly income.

Features & Benefits:

Coverage for accidental death is available
Cost of accidental hospitalization is covered
Permanent total disability and permanent partial disability are available

Royal Sundaram Hospital Cash Insurance Plan

The Royal Sundaram Hospital Cash Insurance plan takes care of any incidental expenses incurred by the insured during hospitalization. The sum insured ranges from Rs 500 per day to Rs 3500 per day under this plan.

Features & Benefits:

Daily cash amount is payable for each day of hospitalization
Coverage is available for a maximum of 180 days

Royal Sundaram Accident Shield Plan

The Royal Sundaram Accident Shield plan covers the insured against the financial hardships faced after an accident. It offers a sum insured ranging from Rs 5 lakh to Rs 20 lakh.

Features & Benefits:

Coverage for accidental death and permanent total disablement are available
Monthly recovery benefit is also available
5% cumulative bonus for up to 25% is granted for every claim-free renewal

Royal Sundaram Accident Shield Classic Plan

The Royal Sundaram Accident Shield Classic plan provides coverage for various financial implications of meeting with an accident. The plan offers a sum insured ranging from Rs 2.5 lakh to Rs 10 lakh and is available in three types – Silver, Gold and Platinum.

Features & Benefits:

Accidental death benefit and accidental disability are available
Accidental hospitalization expenses are covered
Monthly income benefit on permanent total disability is available
Cost of transporting the mortal remains is covered
Free education grant for one child is also available
5% cumulative bonus is applicable for up to 25% on every claim-free renewal

Royal Sundaram Hospital Plus Plan

The Royal Sundaram Hospital Plus plan covers the insured against ancillary expenses incurred during the stay in the hospital. It offers a sum insured of Rs 1200 per day and Rs 2100 per day.

Features & Benefits:

Hospital cash benefit is paid for each day of hospitalization
Twice the daily cash amount is paid for accidental hospitalization
Coverage is available for a maximum of 180 days
Accidental death coverage are also available
5% no claim bonus is paid for a maximum of 25% for not raising any claims
No medical examination is required to buy this plan

Royal Sundaram Individual Personal Accident Plan

Royal Sundaram Individual Personal Accident plan supports the insured in managing the financial burden resulting from an accident.

Features & Benefits:

Accidental death cover is available
Permanent total/partial disability and temporary total disability are covered
Educational grant and recovery benefit are available
Accidental hospitalization expenses and the cost of carrying the dead body are covered
Worldwide personal accident cover is available
5% cumulative bonus for up to 25% is available on every claim-free year

Royal Sundaram Rural Hospital Cash Plan

The Royal Sundaram Rural Hospital Cash plan offers a daily fixed amount to the insured to pay for out-of-pocket expenditures incurred during the stay in the hospital. It offers a sum insured ranging from Rs 500 per day to Rs 2000 per day.