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:

Key Features	Highlights
Network Hospitals	3000+
Incurred Claim Ratio (2018-19)	61%
Renewability	Lifelong
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
No-claim-Bonus	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

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Critical Illness Insurance Expand

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 care@policybazaar.com or chat with us online.

FAQs

Q1. Can I get critical illness cover under Royal Sundaram health insurance plans?

Yes, Royal Sundaram health insurance provides critical illness cover in its Lifeline insurance plan. You can get critical illness cover under the Supreme and Elite variants.
Q2. Is heart attack covered under Royal Sundaram critical illness health insurance?

Yes, critical illness cover is provided under the Royal Sundaram lifeline insurance policy.
Q3. Is critical illness sum insured sufficient under the Royal Sundaram Lifeline Elite plan?

In today’s time, a policy like Royal Sundaram Lifeline Elite health insurance that provides a sum insured up to Rs 100 lakh is useful in meeting the cost of critical illness treatments in India and abroad.