Royal Sundaram Family Plus: An Overview

Royal Sundaram Family Plus policy is one such health insurance plan offered under Royal Sundaram Health Insurance that provides extensive health coverage for a large family that covers up to 19 relations. One can buy the Royal Sundaram Family Plus plan and choose up to 15 lakhs sum insured for Individual plan and up to 50 Lakhs Sum insured for Floater Plan.

Royal Sundaram Family Plus: Key Highlights

Sum Insured

Rs 2 lakh-50 lakh

NCB Benefit

Doubles in 5 claim-free year

Age Limit

No bar

Maternity Benefit



1 year

Coverage Offered

The following basic coverage is offered in Royal Sundaram Family Plus Insurance Policy:

  • In-Patient Care- Inpatient hospitalization, expenses incurred for the room, medicines, ICU, etc., are covered for max. Sum Insured amount.
  • Pre and Post-hospitalization Cover - Expenses for pre-hospitalization for max 60 days, and post-hospitalization for maximum 90 days, are covered as per the Sum Insured.
  • Organ Donor Expenses- Coverage for an organ donor's medical expenses up to the Sum Insured is provided.
  • Ambulance Cover- Any ambulance charges incurred during to and from the hospital are covered for max Rs 4,000 per hospitalization.
  • Animal Bite Vaccination -In case of an animal bite, vaccination expenses are covered up to Rs 5,000.
  • No Claim Bonus or NCB- For every claim-free year, NCB is offered from 20% -100% of the Sum Insured, as per policy conditions.
  • AYUSH Treatment- Any homeopathic or Ayurvedic treatment expenses incurred are covered as follows:
  • Government hospital - up to the Sum Insured.
  • Other recognized hospitals – max Rs 30,000.
  • Second Medical Opinion- Second medical opinion can be availed of from qualified medical consultants for treatment of 11 listed critical illnesses, once a policy year.
  • Domiciliary Hospitalization Cover- Any medical expenses incurred for domiciliary hospitalization that exceeds 3 days is covered for the maximum cover amount.
  • Sum Restoration Benefit- If the amount insured is exhausted along with the no claim bonus, the insured will be eligible for a 100% re-load of the Sum Insured.

Inclusions of the Royal Sundaram Family Plus Plan

Following features are included apart from basic coverage in Royal Sundaram Family Plus Health Insurance:

  • Health and Wellness- Preventive health care services are provided, such as email health bulletins, online doctor availability, and yearly health checkups for adult family members.
  • Maternity Benefit - Maternity Benefit expenses are covered for a maximum of two deliveries, including the newborn baby's vaccination expenses in the first year and nutritional allowance expenses for the mother after discharge.
  • Hospital Cash Benefit- In case of hospitalization that exceeds 2 days, cash allowance is offered up to Rs 2,000 per day for 30 days.

Exclusions of the Royal Sundaram Family Plus Plan

Features that are not covered under the Royal Sundaram Family Plus plan:

  • Pre-existing medical conditions
  • Diseases contracted in the first 30 days of the policy
  • Cataract or Knee Hip Replacements
  • Any other alternative treatment except AYUSH
  • Artificial Life Maintenance
  • OPD Medical expenses
  • Dental Treatment & Plastic Surgery
  • Congenital Conditions & Gender change treatment
  • Obesity-related treatment
  • Hereditary Conditions & Sleep Disorders
  • Self-harm treatment
  • Treatment received abroad

Please refer to the policy document for the detailed list of exclusions.

Benefits and Features of the Royal Sundaram Family Plus Insurance Policy

Key benefits and features of Royal Sundaram Family Plus Insurance Policy are listed below:

  • 19 relations covered under the same policy
  • Maternity benefit along with a nutritional allowance
  • Individual and Floater Sum insured in the same policy
  • Re-load benefit with no extra cost
  • No claim bonus for not claiming the policy
  • No restriction on maximum entry age
  • Zonal pricing

Eligibility Criteria

To buy this policy, one should understand the following eligibility conditions:


Combination of Individual and Family floater

Minimum Entry Age

Adults: 18 years

Child: 91 days


Maximum Entry Age

No Limit

Number of people covered

Up to 19 relations

Residential Status

Indian Residents and Citizens

Cancellation Terms of the Policy

To cancel the Royal Sundaram Health Insurance policy, refer to the following rules:

  • The policy can be terminated on a 30 days' notice period, and the premium will be refunded if no claim was made till that period.
  • The insured can return the policy after 15 days of free look period.
  • If canceled after 30 days of purchasing, the policy will be refunded proportionally based on the number of months passed.


Written By: PolicyBazaar - Updated: 26 February 2021

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