Royal Sundaram Health Insurance for family
*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*Tax benefit is subject to changes in tax laws. Standard T&C Apply
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Royal Sundaram Health Insurance for family
Royal Sundaram Health Insurance for family has been designed to provide comprehensive medical coverage to an entire family. This family health insurance plan by Royal Sundaram General Insurance Company Limited covers all family members of different ages on a floater sum insured basis.
Key Benefits of Royal Sundaram Health Insurance for Family
Following are the key benefits of Royal Sundaram Health Insurance for family:
- Wide range of sum insured options, starting from Rs 2 lakh to Rs 1.5 crore
- No claim bonus granted for every claim-free year
- Reload of the sum insured up to 100% in case of exhaustion
- Health check-up facilities available
- 15% discount on premium for people from non-metro cities
- 5% and 12% discount on buying a policy with a 2-year or 3-year tenure
Royal Sundaram Health Insurance Plans for Family
Check out the various Royal Sundaram Health Insurance plans available in the market for families:
|
Plan Name |
Sum Insured (Rs) |
Pre-existing Diseases Waiting Period |
|
|
Royal Sundaram Lifeline Health Insurance Plan |
Classic – 2 lakh, 3 lakh, 4 lakh |
2 years, 3 years, 4 years |
View Plan |
|
Royal Sundaram Family Plus Health Insurance Plan |
3 lakh to 50 lakh |
3 years |
View Plan |
Eligibility Criteria for Royal Sundaram Health Insurance for Family
Take a look at the eligibility criteria to buy a Royal Sundaram Health Insurance plan for a family:
|
Categories |
Eligibility Criteria |
|
|
Adult |
Child |
|
|
Minimum Entry Age |
18 years |
91 days |
|
Maximum Entry Age |
Lifetime |
25 years |
|
No of Family Members Covered |
Self, spouse, dependent children, parents, son-in-law, daughter-in-law |
|
|
Renewability |
Lifetime |
|
Choose Health Insurance Company for Family
Inclusions of Royal Sundaram Health Insurance for Family
Royal Sundaram Health Insurance for family provides the following key benefits:
- In-patient Care
- Pre-hospitalization Expenses
- Post-hospitalization Expenses
- Day Care Procedures
- Organ Donor Expenses
- Ambulance Cover
- Animal Bite Vaccination
- AYUSH Treatment
- Domiciliary Hospitalization
- Second Opinion for 11 Specified Critical Illnesses
- Emergency Domestic Evacuation
- Preventive Healthcare & Wellness and Disease Management
- Maternity Cover
- New Born Baby Cover
- Vaccination for New Born Baby
- Hospital Cash Benefit
- Worldwide Emergency Hospitalization (under Lifeline Elite plan)
- International Treatment for 11 Specified Critical Illnesses (under Lifeline Elite plan)
- OPD Treatment (under Lifeline Elite plan)
Optional Covers:
- Facility for App-based Cabs under Road Ambulance Cover
- International Treatment for 3 Additional Critical Illnesses
- In-patient Treatment for Pre-existing Diseases under Life-threatening Conditions
- Bariatric Surgery
- Mobility Devices Cover
- Second Opinion for Additional 11 Specified Critical Illnesses
- IVF Treatment
Exclusions of Royal Sundaram Health Insurance for Family
The following coverage is excluded under Royal Sundaram Health Insurance for family:
- Obesity & weight control procedures
- Treatment for drug or alcohol addiction
- Plastic or cosmetic surgery
- Hazardous or adventure sports
- HIV AIDS
- Self-inflicted injuries
- Artificial life maintenance
The complete list of exclusions can be found by referring to the policy documents of Royal Sundaram Health Insurance for family.
FAQs
-
Q1. Does Royal Sundaram Health Insurance for family comes with the top-up option?
Ans: Yes. Royal Sundaram Lifeline Health Insurance provides a top-up option under the Supreme and Classic plan. However, the top-up features include a mandatory deductible ranging from Rs 1 lakh to Rs 10 lakh.
-
Q2. Which waiting periods apply to Royal Sundaram Health Insurance for family?
The following waiting periods apply to Royal Sundaram Health Insurance for family:
- Pre-existing Diseases Waiting Period – 24/36/48 months
- Specific Diseases & Conditions Waiting Period – 24 months
- Initial Waiting Period – 30 days
- Initial Waiting Period for Critical Illness – 90 days
- Maternity Benefit Waiting Period – 36 months
- Bariatric Surgery Waiting Period – 48/72 months
- IVF Treatment Waiting Period – 48 months
-
Q3. Is EMI facility available to pay the premium for Royal Sundaram Health Insurance for family?
Ans: Yes. You can pay the premium for your Royal Sundaram Health Insurance plan for family through monthly, quarterly and semi-annual instalments.
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- 50,000 claims approved in last 15 months*
- Schedule home visit with our advisors
- Get a plan based on your medical needs
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