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Health Insurance: Buy Health Insurance Plan Online - Royal Sundaram
Health Insurance Offers
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.
Pre and post hospitalization expenses
200 Day Care procedures Covered
Lifetime renewal
Tax benefit under section 80 (D)
ISO certified claims process
Maternity cover
Cashless hospitalization at over 3000+ network hospitals
Get Cumulative bonus for every claim free years up to 100% of the base sum insured.
100% Reload of Sum Insured at no extra cost.
Pre-existing cover after 3 year waiting period
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.
Cashless Hospitals
Health Insurance FAQ
FAQs
Questions about Health Insurance? Get your answers here.
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.
No. There are no such discounts available.
Yes. You can buy more than one health policy. But for the purpose of ease of administration, we will recommend that you buy one policy, with a higher sum insured, rather than multiple policies with smaller sum insureds.
Yes. You can cancel your current policy. Premium will be refunded, based on the short period rates mentioned in your policy terms and conditions.
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.
Yes. You can buy more than one health policy. But for the purpose of ease of administration, we will recommend that you buy one policy, with a higher sum insured, rather than multiple policies with smaller sum insureds.
The premium is calculated based on the age of the insured person, plan type / SI opted, tenure opted and the location of the proposer.
You will need to get in touch with our customer services team and share a request in writing to initiate the process. The request will be considered, subject to necessary medical underwriting process. They will guide you on the details of this process.
There is a 30 day grace period available, after the expiry date to renew the policy, with continuity benefits. However there will be no cover during this period of break in insurance. It is always advisable to renew the policy well before the date of expiry to ensure continuous coverage.
Yes. This can be done by porting the policy from one insurer to another by following the portability guidelines.
No. Medical test is generally needed only beyond the age of 45 or 50, depending upon the product / plan chosen by the customer. It may also be needed for members below this age, if they have any specific disease which needs to be medically underwritten.
Yes. The health insurance policy will be valid in all parts of India.
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.
Health Insurance is an indemnity policy, where the insurer will pay up to the amount of claim, which can be lower than the opted sum insured. PA cover is a benefit plan where the entire sum insured is paid, in the event of a claim.
Royal Sundaram has 2 distinct products which are rich in features and benefits. Life Line and Family Plus offer very good coverage at very affordable premium rates.
The premium is calculated based on the age of the insured person, plan type / SI opted, tenure opted and the location of the proposer.
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
You will need to call or write to our Customer Services and share your revised address to enable us to change the same in the policy. You can call on 1860 425 0000 or write to customer.services@royalsundaram.in
The chosen sum insured of Rs3 or Rs5 lakhs, will be available to the customer for a period of one year. The customer pays an annual premium for this. At the completion of this 1 year period, the policy will need to be renewed by paying the premium for the next block of 12 months.
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.
Cashless Facility means a facility extended by the insurer to the insured where the payments, of the costs of treatment undergone by the insured in accordance with the policy terms and conditions, are directly made to the Network Provider by the insurer to the extent pre-authorization approved.
Pre-existing Disease means any condition, ailment or injury or related condition(s) for which the Insured Person had signs or symptoms, and / or were diagnosed, and / or received medical advice/ treatment, within 48 months prior to the first Policy issued by the insurance company. Such PED’s will not be payable for a period of 2, 3 or 4 years depending upon the waiting period applicable in that particular plan chosen by the customer.
If you ever exhaust your health cover due to claims in a given year and there is a further claim either by you for a different illness or your insured family member, we will reload the entire sum insured of your policy at no extra cost. Reloaded sum insured will help you to settle those claims.
In a family floater policy, a common sum insured can be shared by all members of a family. This is more cost effective as compared to an individual sum insured policy, where each member of the family will have a separate sum insured for him or her, which cannot be shared with other family members.
In today’s stress filled life, life style diseases such as diabetes and high blood pressure have become very common in our country. As we age, the chances of these illness affecting us increase. Hospitalization for a period of even 7 days can be very expensive and erodes our savings. This period of admittance and treatment cost increases if we are affected by any critical illness such as cancer or kidney failure. The cost varies anywhere between Rs10 to Rs15 lakhs to treat such major life threatening diseases. Health Insurance is the only solution to protect our savings, against such unforeseen medical costs.
We will send you periodic SMS alerts on the status of your claim. You can also call our customer services team to get more details.
The common waiting periods in all policies will include a 30 day waiting period, 1st and 2nd year exclusions, Pre Existing Diseases waiting periods which can vary from 2 to 4 years.
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.
It is the ratio of number of claims that get paid, in relation to the total number of claims made in any given period of time. A higher claims settlement ratio, gives a positive indication of the claims settlement capabilities of the insurer.
Cumulative Bonus (No Claim Bonus) shall mean any increase in the Base Sum Insured granted by the insurance company without an associated increase in premium.
There is no restriction to the number of claims that an insured person can make in a year. The only limitation will be the adequacy of the chosen sum insured.
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.
Domiciliary Hospitalisation: means medical treatment for an Illness/disease/injury which in the normal course would require care and treatment at a Hospital but is actually taken while confined at home under any of the following circumstances:
- 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.
What is covered is explained in answer for Q3. Major exclusions include, 30 day waiting period, 1st and 2nd year exclusions, Pre Existing Diseases waiting periods and some permanent exclusions.
Health Insurance Tips
Happy Customers Portlet
Our Happy Customers
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Mr. Ashutosh Chhaya
I really appreciate your gesture and and quick response Hope to be back with you after renewal Thanks a lot
Posted on : Thu Jul 05 00:00:00 IST 2018
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Mr. Mohanan Kooriyil
I received my health card today. Thank you very much for your sincere, action and follow up. Appreciate your service for your customer. Thanks.
Posted on : Thu Jul 05 00:00:00 IST 2018
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Mr. Smitha Kumasagi
Royal Sundaram's service is excellent. I needed health insurance policy and i got it from them swiftly and easily.
Posted on : Fri Jul 13 00:00:00 IST 2018 - y
Mr. Harikrishnan K
Overall good experience while getting health insurance policy from Royal Sundaram.
Posted on : Fri Jul 13 00:00:00 IST 2018
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