About Royal Sundaram NeXT Gen Health Insurance Plan
Royal Sundaram NeXT Gen Health Insurance plan comes with 100% restoration of the sum insured once in a policy year for unrelated illnesses with the Reload Benefit. sIt offers a 10% no claim bonus of up to 50% as an enhancement in sum insured for every claim-free year. This Royal Sundaram health insurance policy also offers lucrative benefits, such as annual health check-ups, modern treatments cover, organ donor cover, and more.
Royal Sundaram NeXT Gen Health Insurance Plan: Key Highlights
| Categories | Specifications |
|---|---|
| Sum Insured | ₹5 lakh to ₹1.5 crore |
| Pre-policy Medical Check-up | Not required for up to 65 years and sum insured of up to ₹50 lakh |
| PED (Pre-existing Disease) Waiting Period | 3 years |
| Discount | 25% for Zonal discount Up to 9% multi-year policy discount |
| Co-Payment | No co-payment |
or select from popular citiessNext Gen Features
Search Next Gen Cashless Network Hospital list
Key Benefits of Royal Sundaram NeXT Gen Health Insurance Plan
Royal Sundaram NeXT Gen Health Insurance Plan Inclusions & Exclusions
-
In-patient Hospitalization ExpensesIt covers the medical expenses incurred on getting hospitalized for a minimum of 24 hours, including room rent, nursing expenses, ICU charges, etc.
-
Pre and Post-Hospitalization ExpensesIt pays for the healthcare costs incurred 30 days before the date of hospitalization and 60 days from the date of discharge.
-
Modern TreatmentsIt covers the medical expenses incurred on modern treatments, such as oral chemotherapy, intra operative neuro monitoring (IONM), stem cell therapy, etc.
-
Day Care TreatmentIt pays for the costs incurred on day care treatments that do not require a hospitalization of 24 hours.
-
Organ Donor ExpensesIt covers in-patient medical costs incurred on harvesting the organ for the insured's organ transplant surgery.
-
Domiciliary HospitalizationIt pays for the cost of domiciliary treatment done at the patient's home for at least 3 consecutive days in case transfer to the hospital is not possible.
-
Sterility and infertility treatments
-
Obesity and weight control treatments
-
Treatments for alcoholism, drug or substance abuse
-
Change of gender treatments
In case of emergency we are just a call away. Take care of your family, we will do the rest. Our claim specialists will reach your location & complete the formalties from filing the claim to documentation to coordinating with insurer, TPA & hospital. Available in New Delhi and 114+ cities View cities list ›Policybazaar Claim Process
Explore Other Health Insurance Plans
Royal Sundaram NeXT Gen Health Insurance Plan: FAQs
-
Q1. Can I buy any add-on cover with my Royal Sundaram NeXT Gen Health Insurance plan?
Ans: Yes, you can buy any of the following add-on covers with your Royal Sundaram NeXT Gen Health Insurance plan on the payment of an additional premium:
- Pre-existing disease waiting period waiver add-on cover
- Consumable items add-on cover
- OPD add-on cover
- Maternity discount add-on cover
- Reload multiplier add-on cover
- ABCD add-on cover (Asthma, High Blood Pressure, High Cholesterol and Diabetes)
- Voluntary co-payment add-on cover
- Pre-post hospitalization multiplier add-on cover
- Room rent multiplier add-on cover
- Treatment at home add-on cover
- Health and wellness add-on cover
-
Q2. How can I check the Royal Sundaram NeXT Gen Health Insurance plan price?
Ans: You can refer to the policy premium chart on the website of the insurer to check the Royal Sundaram NeXT Gen Health Insurance plan price. You can also use a health insurance premium calculator on policybazaar.com to calculate your premium for the policy.
-
Q3. What happens if I stay in a higher room category than eligible under my Royal Sundaram NeXT Gen Health Insurance plan?
Ans: A proportionate deductible of 33.3% will be applicable in case you opt for a higher hospital room category instead of the eligible room category under your Royal Sundaram NeXT Gen Health Insurance plan.
-
Q. What is the advantage of selecting a policy with a duration of more than 1 year?
Ans: If one buys Aditya Birla Health Insurance for more than a year, one can save 7.5 % and 10% on the 2 and 3 years premium, respectively.
-
Q. How is an Individual cover different from a Floater cover?
Ans: In an Individual cover, coverage is offered to each individual in the family separately. In a Family Floater health insurance plan, each family member is covered based on a floater sum insured.
-
Q. How is an Individual cover different from a Floater cover?
Ans: In an Individual cover, coverage is offered to each individual in the family separately. In a Family Floater health insurance plan, each family member is covered based on a floater sum insured.
-
Q. What is a waiver of a mandatory co-pay cover?
Ans: This benefit is covered on payment of an additional premium. Therefore, any mandatory co-payment that is applicable under the Aditya Birla Activ Health Essential Plan will be waived off.
Royal Sundaram offers two types of claim settlements – cashless and reimbursement. Follow the steps to raise a claim:
- Find the nearest network hospital of Royal Sundaram
- Get admitted to the hospital
- Notify the insurance company about the hospitalization
- In case of pre-planned hospitalization, intimate the insurer before hospital admission.
- Fill up the pre-authorization form and submit it to the hospital staff
- The pre-authorization form will be sent to Royal Sundaram for approval.
- Once approved, obtain medical treatment.
- At the time of discharge, sign all the medical documents.
- Pay for the items/services not covered under the Royal Sundaram policy
- The network hospital will send the hospital bill to Royal Sundaram.
- After review, the insurance company will pay the bill amount directly to the network hospital.
- Inform the insurance company about the hospitalization
- In case of planned hospitalization, notify the insurer before hospital admission.
- Receive medical treatment
- At the time of discharge, pay the entire hospital bill in full.
- Collect all the medical documents, bills and payment receipts
Our Claim specialists in below cities will reach your hospital or home in 30 minutes to support your health insurance claim
