Royal Sundaram Hospital Cash Insurance Plan: Buy Policy Online

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.

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

FAQs

Q1. For how many days will Royal Sundaram Hospital Cash Insurance pay a daily allowance?

Ans: The Royal Sundaram Hospital Cash Insurance plan will pay a daily allowance for hospital confinement for a maximum of 180 days in a policy year.
Q2. Can I renew my Royal Sundaram Hospital Cash Insurance policy online?

Ans: Yes. Royal Sundaram Hospital Cash Insurance renewal can be done online on the website of the insurance company or insurance brokers like Policybazaar.com.
Q3. Which documents need to be submitted to raise a Royal Sundaram Hospital Cash Insurance claim?
Ans: You need to submit the following documents to raise a claim under the Royal Sundaram Hospital Cash Health Insurance plan:
- Royal Sundaram hospital cash claim form
- Copy of hospital bills and payment receipts
- Copy of hospital discharge certificate/card
- All medical records
- Copy of FIR in case of an accident
Q4. Can I change my daily hospital benefit amount under the Royal Sundaram Hospital Cash Insurance policy?

Ans: Yes. You can change your daily allowance amount under the Royal Sundaram Hospital Cash Insurance policy at the time of renewal.
Q5. In how many days will I receive my Royal Sundaram Hospital Cash Insurance claim amount?

Ans: The Royal Sundaram General Insurance Company will pay you the claim amount within 30 days of receiving all the necessary documents. If the company fails to pay the claim amount within 30 days, you will be entitled to get an interest of 2% above the bank rate.