Royal Sundaram Health Insurance Waiting Period

Royal Sundaram Health Insurance Waiting Period

Royal Sundaram Health Insurance Waiting Period is the time that the insured has to wait before filing a claim with the insurance company. These waiting periods vary from one Royal Sundaram health insurance plan to another and differ as per the disease or medical procedure. However, no waiting period has to be served to file an accidental hospitalization claim with the Royal Sundaram General Insurance Company.

Types of Royal Sundaram Health Insurance Waiting Period

The following types of waiting periods apply to Royal Sundaram health insurance plans:

1. Royal Sundaram Health Insurance Initial Waiting Period

   This waiting period must be served to file a non-accidental health insurance claim with Royal Sundaram General Insurance Company.

2. Royal Sundaram Health Insurance Specific Disease/Procedure Waiting Period

   The insured needs to serve this waiting period to pay for the medical expenses incurred on specific diseases and surgical procedures, including congenital internal anomaly, joint replacement surgery, cataract surgery, hernia, etc.

3. Royal Sundaram Health Insurance Pre-existing Disease Waiting Period

   This type of waiting period should be served to cover the cost of treating PEDs or pre-existing diseases, like diabetes, heart ailments, asthma, high blood pressure, obesity, etc.

4. Royal Sundaram Health Insurance Maternity Benefit Waiting Period

   Policyholders must serve this waiting period to claim maternity cover and pay for the cost of childbirth at a hospital.

5. Royal Sundaram Health Insurance Critical Illness Waiting Period

   This type of waiting period needs to be served to pay for the treatment cost of a critical illness under the critical illness insurance policy.

6. Royal Sundaram Health Insurance Surgical Benefit Waiting Period

   Policyholders should serve this waiting period to cover the cost of undergoing various surgeries listed under the health insurance for surgery plan.

7. Royal Sundaram Health Insurance Bariatric Surgery Waiting Period

   This waiting period must be served to claim the cost of undergoing a bariatric surgery by the insured.

8. Royal Sundaram Health Insurance IVF Treatment Waiting Period

   The insured needs to serve this waiting period to pay for the medical expenses incurred on availing IVF treatment.

9. Royal Sundaram Health Insurance Cancer Cover Waiting Period

   This waiting period should be served to claim a lump sum benefit paid on the diagnosis of cancer under a cancer insurance policy.

10. Royal Sundaram Health Insurance Surgical Cash Benefit Waiting Period

    The insured must serve this waiting period to get a daily hospital cash from the insurer on undergoing a covered surgery.

11. Royal Sundaram Health Insurance International Treatment for Critical Illnesses Waiting Period

    This type of waiting period needs to be served to claim the cost of treating listed critical illnesses outside India, except in the USA and Canada.

12. Royal Sundaram Health Insurance COVID-19 Treatment Waiting Period

    Policyholders should serve this waiting period to pay for the treatment of COVID-19 or the coronavirus disease.

13. Royal Sundaram Health Insurance HIV AIDS Hospital Cash Benefit Waiting Period

    This type of waiting period must be served to obtain a daily cash allowance from the insurer if hospitalized for the treatment of HIV AIDS.

14. Royal Sundaram Health Insurance Pre-existing Disability Cover Waiting Period

    Policyholders need to serve this waiting period to claim the medical expenses resulting from the treatment of a pre-existing disability.

15. Royal Sundaram Health Insurance Personal Waiting Period

    This waiting period should be served to raise a claim for any health issues declared at the time of buying the mediclaim policy.

List of Royal Sundaram Health Insurance Waiting Period

Here is the list of waiting periods that apply to health insurance plans offered by Royal Sundaram General Insurance Company:

Note: The Royal Sundaram health insurance waiting period disease list and the exact waiting period may vary from one plan to another.

Is It Possible to Reduce the Royal Sundaram Health Insurance Waiting Period?

Yes. Policyholders to reduce the waiting periods for pre-existing diseases from 3 years to 2 years with the Reduction in Pre-existing Diseases Waiting Period benefit under the Advanced Top Up Health Insurance plan. In fact, the Multiplier Health Insurance plan covers asthma, high BP, high cholesterol, and diabetes after 30 days of purchasing the policy with the ABCD benefit.

However, these benefits are available on the payment of an additional premium only.

Things to Remember About Royal Sundaram Health Insurance Waiting Period

Check out the various things to remember about the Royal Sundaram Health Insurance waiting period:

• Raising a claim for accidental hospitalization does not require serving any waiting period.
• If a disease or medical procedure is diagnosed after buying a Royal Sundaram health insurance policy, it will not be considered pre-existing.
• Policyholders must serve the waiting period and the survival period to claim the critical illness cover.
• The waiting periods for pre-existing diseases can be reduced under some plans by paying a higher premium amount.

Royal Sundaram Health Insurance Waiting Period: FAQs