You get 100% tax deduction from your taxable income for the premium paid for Health Insurance or Medical Insurance as per provisions of Section 80 D of  Income Tax Act.

Along with the policy document, Royal Sundaram will issue Health Card which is an identifier that you are covered under FAMILY HEALTH INSURANCE ONLINE. With the Health Card you and your family members , if insured, get access to the cash less facility in  more than 3000 networked hospitals across India. This means you can walk into any of the networked hospitals ,comply with simple documentation and get treated without having to pay for your bills subject to policy terms and conditions.

Cashless facility is offered only for admissible hospitalization expenses as per terms and conditions of the policy.
Even if you get such cashless facility some other benefits such as pre and post hospitalization need to be claimed under reimbursement mode only.

You may contact the Toll Free number of Third Party Administrator which is available in back of the health card.
A dedicated team of our Third Party Administrators will guide you through procedures in availing cashless facility.

You may go ahead as you wish. If you get treated in a non- networked hospital and if the claim is found admissible, all admissible expenses will be reimbursed within 20 working days of receipt of complete documents from you.

The Sum Insured under the policy gets a bonus as specified in policy terms and conditions.
If the policy is claim free for 4 consecutive years, then all persons who are covered can get a reimbursement

All accidents which happen immediately after getting a policy are covered.
Pre existing diseases are covered only after 4 continuous years of coverage.
Some diseases are covered after a period of one year and two years of continuous insurance.
There are certain permanent exclusions too. Please refer to exclusion part of policy document for further clarity.

The policy is offered to dependent children from 91 days .If a new born child who was yet to complete 90 days on date of proposal, and subsequently qualifies can get covered during policy period.
A newly wedded spouse can get covered during policy period.
For all such inclusions you need to pay appropriate additional premium.
All other inclusions i.e.,  those who were eligible on date of proposal but missed by you can get covered only during renewal after due approval from us.  For such inclusions appropriate premium need to be paid. Adults above 50 (fifty)years of age seeking inclusion during renewal need to submit medical test  documents as stated  below:
ECG strip, Fasting and After Food Blood Sugar Report, Urine Report which should be dated within 30 days of such request of inclusion.

No. The waiting period is related to policy period of that particular Insured person. The newly included family member should complete 4 continuous years of insurance to become eligible for claiming for pre existing disease.

Please contact our Online Chat representative or email us at internet.marketing@royalsundaram.in.