Royal Sundaram Critical Illness Policy

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      Royal Sundaram Critical Illness Policy

      Royal Sundaram Critical Illness plan provides a Lumpsum amount in any of the critical illnesses.  A critical illness is a medical condition that needs long-term and ongoing monitoring, examinations, medical check-ups, and tests. And the disease is likely to come back. Royal Sundaram Lifeline health insurance plan provides critical illness cover to be able to meet the cost of treatment of such dreadful diseases and the details are given below:

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      Royal Sundaram Health Insurance at a Glance:

      Key Features


      Network Hospitals


      Incurred Claim Ratio (2018-19)




      Waiting Period

      3 years

      Policy Tenure Options

      1,2,3 years

      Restoration of Sum Insured

      Up to the base sum insured

      Grace Period

      30 days


      In some plans the No-claim-bonus is 10% to 50% and in some plans, it ranges from 10% to 100%

      Daycare procedures

      Up to 200

      Vaccination Charges

      In case of animal bite

      Features and Benefits of Royal Sundaram Critical Illness Policy

      The key benefits and features under the Royal Sundaram Critical Illness policy are given below:

      • Entry age criteria:  91 days to 65 years
      • Members who can be covered: Self, spouse, and financially dependent children between the age group of 91 days and 25 years. For dependent children renewal is possible up to the age of 25 years
      • Income-tax Benefits: The premium paid under this critical illness plan is eligible for tax benefits u/s 80D of the Income-tax Act
      • In-house Claim Settlement- Royal Sundaram General Insurance provides in-house settlement of your health insurance claims.
      • 90-days Waiting Period- The critical illness cover for a specified illness is provided after completion of 90-days of the waiting period
      • Sum Insured- The sum insured amount in the Royal Sundaram Supreme is Rs 5 lakh to Rs 100 lakh and in the Royal Sundaram Elite plan it is Rs 25 lakh to Rs 150 lakh

      Coverage Provided under Royal Sundaram Critical Illness Policy

      Royal Sundaram critical illness policy provides critical illness cover for the following list of diseases:

      Critical Illness List on their First Diagnosis:

      • Cancer of specified severity
      • Kidney Failure that requires regular dialysis
      • Permanent symptoms of multiple Sclerosis
      • Bone marrow/major heart transplant
      • Open Chest CABG
      • Third-degree Burns
      • Open heart surgery to repair heart valves
      • First heart attack of specified severity

      Overseas treatment for 11 specified Critical illnesses under the Royal Sundaram Lifeline Elite plan is given below:

      • Cancer of Specified Severity
      • Coma of Specified Severity
      • Kidney Failure that needs Dialysis
      • Specified Severity First Heart Attack
      • Stroke with Permanent Symptoms
      • Repair of Heart Valves or Open Heart Replacement
      • Major Organ/Bone Marrow Transplant
      • Open Chest CABG
      • Permanent Limbs Paralysis
      • Permanent symptoms of Motor Neurone Disease
      • Persisting Symptoms  of Multiple Sclerosis

      If you want to buy critical illness health insurance then Royal Sundaram critical illness health insurance with the critical illness coverage benefits is a suitable choice for you. For more details regarding this health insurance plan, you can write to us at or chat with us online.


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