Royal Sundaram Hospital Cash Insurance Plan

(71 Reviews)
Insurer Highlights

*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 Hospital Cash Insurance Plan

      Royal Sundaram Hospital Cash Insurance provides a daily hospital allowance to the insured to cover ancillary expenses incurred during hospitalization. This hospital confinement benefit is paid for each day of hospitalization unless the insured gets discharged. It can be used to pay non-medical expenses like the cost of food, clothes, travel expenses of the person accompanying the insured, etc. incurred while staying at the hospital.

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      Royal Sundaram Hospital Cash Insurance Plan: Key Highlights

      Categories Specifications
      Sum Insured Rs 500 to Rs 3500 per day
      Policy Tenure 1 year
      Network Hospitals 7000+
      Incurred Claim Ratio (2020-21) 67.88%
      Pre-existing Disease Waiting Period 4 years
      Initial Waiting Period 30 days
      Specific Disease/Procedure Waiting Period 1 year
      Discount 10% family discount

      Benefits of Royal Sundaram Hospital Cash Insurance Plan

      Check out the key benefits of buying a Royal Sundaram Hospital Cash Insurance plan:

      Coverage for Non-Medical Expenses

      This Royal Sundaram health insurance policy pays a daily cash benefit to the insured to manage non-medical expenses incurred during hospitalization, such as the cost of clothes, travelling, supplements, etc.

      Tax Benefits

      The insured can claim the premium paid for the Royal Sundaram Hospital Cash Insurance policy for tax savings under Section 80D of the IT Act, 1961.

      Royal Sundaram Hospital Cash Insurance Plan Eligibility Criteria:

      Take a look at the eligibility criteria to buy a Royal Sundaram Hospital Cash Insurance policy:

      Parameters Eligibility Criteria
      Minimum Entry Age Adult – 18 years
      Child – 1 year
      Maximum Entry Age Adult – 70 years
      Coverage Type Individual
      Relationships Covered Self, spouse, dependent children, dependent parents and legal dependents
      Renewability Lifelong

      Inclusions of Royal Sundaram Hospital Cash Insurance Plan

      The following coverage is included under the Royal Sundaram Hospital Cash Insurance plan:

      • Hospital Confinement Benefit – It pays a cash allowance to the insured in case he/she is hospitalized for more than 24 hours.

      Exclusions of Royal Sundaram Hospital Cash Insurance Plan

      The Royal Sundaram Hospital Cash Insurance plan does not cover the following:

      • Pre-existing diseases
      • Pregnancy
      • OPD treatment
      • Congenital external disease
      • Intentional self-injury or attempted suicide
      • HIV AIDS
      • Treatment of obesity
      • Cosmetic or plastic surgery
      • Treatment for injury/diseases due to abuse of alcohol or drugs
      • Alternative treatments
      • Treatments taken outside India
      • Hazardous and adventure sports

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