Health Insurance: Compare & Get Instant Quote Online | Royal Sundaram
Our Health Insurance Offers You
Royal Sundaram offers affordable health insurance plans with a wide range of benefits to take care of you and your family. Our Health Insurance plans are flexible and affordable with different Sum Insured options to suit your unique need. Choose from basic health insurance covers to specialist medical insurance plans that offer maternity benefits.
If you already have a health insurance policy from another insurer, you can apply for portability to transfer the credit gained by you for pre-existing conditions and time bound exclusions. Know more about Health Insurance Portability. Once your portability application is accepted you can buy Royal Sundaram Health Insurance Policy.
Why Health Insurance is Important for You?
Here’s why it is important for you –
Health Insurance - Basic Coverage
- In-patient Hospitalization
- Pre and post hospitalization expenses
- Day care procedures
- Domiciliary hospitalization charges
- Preventive healthcare as well as wellness
- Ambulance charges
- Health check-up
- AYUSH Treatment
- Vaccination in case of animal bite
- Pre-existing medical conditions as declared by the policyholder during the purchase of policy up to the waiting period (Plan Particular)
- Addictive conditions & disorders
- Adventurous or Hazardous sports…
How to Calculate Your Health Insurance Premium?
Health insurance premium calculator helps you to calculate your health insurance premium. In order to use this calculator, you first need to fill in all the personal details in your form along with other details. Here’s a step-by-step guide that will help you to understand it in a better way –
Buying Health Insurance Online - Important Factors to Consider
Your insurance policy must be determined by your family’s requirements. Keeping in mind the number of family members and their age.
An insurance company’s experience, financial strength, and service record plays a very important role while buying an insurance online. In addition to this, you need to consider the time duration an insurance company has been in business as its expertise in health insurance will be reflected in the policies it offers.
It is another important factor you need to consider while buying an insurance policy online. You must read the policy documents carefully to read about the inclusions and exclusions of the plans.
Health Insurance Plan Common Queries (FAQ’S)
Health Insurance covers any major, unforeseen, illness or accident, which requires admittance and treatment in a hospital, for more than 24 hours.
Yes. There is a section 80 D benefit that is available for the person who is paying for the insurance policy. (Proposer)
He can avail a tax exemption of up to Rs25,000/- for the premium paid for self, spouse and children.
There is an additional Rs25,000/- for the premium paid for parents, who are aged below 60 years.
For parents aged above 60 years (senior citizens), there is an additional Rs25,000/- on offer. Thus the maximum exemption amount can go up to Rs75,000/-, depending upon the number of covered members in the family.
- Notice of claim: Preliminary notice of claim with particulars relating to Policy number, Name of the Insured Person in respect of whom claim is made, nature of illness/injury and name and address of the attending hospital, should be given to the Insurer within 72 hours before admission in case of planned hospitalization, and not later than 48 hours or before discharge, in case of emergency hospitalization.
- Submission of claim: The insured shall submit the claim form along with attending physician’s certificate duly filled and signed in all respects with all the necessary claim documents not later than 30 days from the date of discharge.
We will cover Medical Expenses for all of the below during the period of hospitalization.
- Medical Practitioners’ fees;
- Room Rent, boarding expenses;
- Intensive Care Unit charges;
- Diagnostics Procedures charges;
- Medicines, drugs and consumables;
- Nursing Charges;
- Intravenous fluids, blood transfusion, injection administration charges;
- Anesthesia, Blood, Oxygen, Operation theatre charges, surgical appliances;
- The cost of prosthetics and other devices or equipment if implanted internally during a surgical procedure.
In addition to the above our products come with a whole range of additional benefits such as,
- Pre-hospitalization Medical Expenses
- Post-hospitalization Medical Expenses
- Day Care Treatment
- Ambulance Cover
- Organ Donor Expenses
- Domiciliary Hospitalization
- No Claim Bonus
- Re-load of Sum Insured
- Ayush Treatment
- Vaccination in case of Animal Bite
- Health Checkup
- Preventive Healthcare & Wellness
- Second Opinion for Critical Illness
- Emergency Domestic Evacuation
- Worldwide Emergency Hospitalization
- International Treatment for 11 specified Critical Illness
- Maternity Benefits
- Nutritional Allowance for mother, post delivery
- New Born Cover
- Vaccination for New Born Baby
- OPD Treatment
Medical Expenses incurred immediately before and after the Insured Person is hospitalized, provided that:
- Such Medical Expenses are incurred for the same condition for which the Insured Person’s Hospitalization was required and;
- The In-patient Hospitalization claim for such Hospitalization is admissible by the Insurance Company.
Below are some of the key documents that will be needed. Please refer to the policy terms and conditions for the complete list.
- Test reports and prescriptions relating to First / Previous consultations for the same or related illness.
- Case history / Admission-discharge summary describing the nature of the complaints and its duration, treatment given, advice on discharge etc issued by the Hospital.
- Death summary in case of death of the insured person at the hospital.
- Hospital Receipts / bills / cash memos in Original (including advance and final hospital settlement receipts).
- All test reports for X-rays, ECG, Scan, MRI, Pathology etc., including doctor’s prescription advising such tests/ investigations (CDs of angiogram, surgery etc need not be sent unless specifically sought).
- For admission in Network Hospital (Cashless Claims) Insured Person shall call the TPA helpline and furnish Membership Number, Policy Number and the Name of the Patient within 72 hours before admission to hospital for planned hospitalization and not later than 48 hours of admission in case of emergency hospitalization. The insured shall also provide to the TPA by fax or e-mail, the details of hospitalization like diagnosis, name of hospital, duration of stay in hospital, estimated expenses of hospitalization etc. in the prescribed form available with the Insurance help desk at the Hospital. The Insured shall also provide any additional information or medical record as may be required by the medical panel of the TPA. After establishing the admissibility of the claim under the policy, the TPA shall provide a pre-authorisation to the hospital guaranteeing payment of the hospitalization expenses subject to the sum insured, terms conditions and limitations of the policy.
- For admission in Non-Network Hospital or into Network Hospital if cashless facility is not availed (Re-imbursement Claims)
- Notice of claim: Preliminary notice of claim with particulars relating to Policy number, Name of the Insured Person in respect of whom claim is made, nature of illness/injury and name and address of the attending hospital, should be given to the Insurer within 72 hours before admission in case of planned hospitalization, and not later than 48 hours or before discharge, in case of emergency hospitalization.
- Submission of claim: The insured shall submit the claim form along with attending physician’s certificate duly filled and signed in all respects with all the necessary claim documents not later than 30 days from the date of discharge.
There could be several reasons for denial of a claim. Some of the common reasons are,
- Submission of incomplete documents.
- Claim for pre – existing diseases, before the completion of waiting periods.
- Claims for diseases which are excluded permanently from the policy terms and conditions.
We will cover all of the below.
- Medical Practitioners’ fees;
- Room Rent, boarding expenses;
- Intensive Care Unit charges;
- Diagnostics Procedures charges;
- Medicines, drugs and consumables;
- Nursing Charges;
- Intravenous fluids, blood transfusion, injection administration charges;
- Anesthesia, Blood, Oxygen, Operation theatre charges, surgical appliances;
- The cost of prosthetics and other devices or equipment if implanted internally during a Surgical Procedure.
- the condition of the patient is such that he/she is not in a condition to be removed to a hospital or;
- the patient takes treatment at home on account of non-availability of room in a hospital.