Health Insurance
for every Indian!

Intro Price

9,99,999+ Indians chose to protect their health

Peace of mind now costs
less than a daily cup of tea.

At Royal Sundaram, we believe that every Indian should be protected by health insurance.

We make that possible by bringing you Arogya Sanjeevani Policy at an unbelievable price.

A typical healthy 30-year-old Indian can get 1 Lakh coverage at just Rs.7 per day!

Policy Family
Parents
We don't exclude parents and in laws
We extend protection to your entire family - especially elders who most need healthcare.
Coverage
Coverage from Rs 1 lakh to Rs 5 lakhs
Feel free to choose any level of cover you need, and we'll make sure to pay the maximum eligible amount for your treatment.
Money
Starts at just Rs. 7 per day
We believe that lack of finances shouldn’t get in the way of your healthcare. A typical healthy 30 year old can get coverage for Rs 1 lakh at just Rs. 7 per day.

How does Arogya Sanjeevani Policy, Royal Sundaram protect you?

hospitalisation Expenses during hospitalisation

We lighten your burden of hospital costs.Room rent, nursing expenses, ICU/ICCU and ambulance charges are covered up to a limit.

Treatment AYUSH
Treatment

We respect your choice of treatment. Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy treatments at any AYUSH Hospital are covered.

Cataract Cataract
Treatment

Eye sight is a precious gift and we want you to enjoy it as much as possible. So we cover Cataract treatment.

Expenses Expenses before and after hospitalisation

We care about you getting better. Medical expenses for 30 days before you are admitted and for 60 days after discharge are covered.

Doctor Modern or New-Age Treatments

We cover many advanced treatments not commonly covered by other health insurance policies.

Bonus Cumulative Bonus

Your health is important to us, so we reward you by increasing your coverage by 5% after every year without a claim.

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Family 3

Why choose Royal Sundaram?

Painless Trusted Discount
Painless
Claims
Trusted by
5 Million Indians
Affordable
Premiums

We stand by you when you need it most.

  • Thank you for the wonderful support extended by you in clearing our claim which really vanished our tears and thanks for your service.

    User
    Mr G Mahadevan
    28/03/2019
  • Thank you for the wonderful support extended by you in clearing our claim which really vanished our tears and thanks for your service.

    User
    Mr G Mahadevan
    28/03/2019
  • Thank you for the wonderful support extended by you in clearing our claim which really vanished our tears and thanks for your service.

    User
    Mr G Mahadevan
    28/03/2019
  • Thank you for the wonderful support extended by you in clearing our claim which really vanished our tears and thanks for your service.

    User
    Mr G Mahadevan
    28/03/2019
  • Thank you for the wonderful support extended by you in clearing our claim which really vanished our tears and thanks for your service.

    User
    Mr G Mahadevan
    28/03/2019
  • Thank you for the wonderful support extended by you in clearing our claim which really vanished our tears and thanks for your service.

    User
    Mr G Mahadevan
    28/03/2019
  • Thank you for the wonderful support extended by you in clearing our claim which really vanished our tears and thanks for your service.

    User
    Mr G Mahadevan
    28/03/2019

Important: We want you to
understand this policy fully.

Arogya Sanjeevani Policy, Royal Sundaram offers great coverage.
But it comes with certain limitations set by the regulatory body - IRDAI.
Please make sure you understand these points. Call us if you need clarity.

WHAT WE COVER WHAT'S NOT COVERED
  • Hospitalisation Expenses and other Expenses
  • Ayush Treatment
  • Cataract Treatment
  • Pre-Hospitalization
  • Post Hospitalization
  • Modern Treatments
  • Cumulative Bonus
  • Pre-existing Diseases for the first 48 months
  • Cosmetic Surgery
  • Maternity Expenses
  • Diagnostics Expenses
  • Miscellaneous Charges
  • Registration charges
  • Admission fees
  • Service charges
  • Health Supplements
  • Other exclusions
  • Room Rent, Boarding, Nursing Expenses charged by the Hospital/Nursing Home are covered only up to 2% of the sum insured - subject to a maximum of Rs.5000 per day
  • ICU/ ICCU expenses are covered up to 5% of sum insured - subject to a maximum of Rs. 10,000 per day
  • Medical expenses incurred for treatment of Cataract are subject to a limit of 25% of Sum insured or Rs. 40,000, whichever is lower, per each eye in one policy year
  • Each claim under the Policy shall be subject to a co-payment of 5% of claim amount

In order to prevent misuse, every health insurance policy will

  • 30 Days Initial Waiting Period: We will not cover any treatment taken during the first 30 days from the start of the Policy, unless the treatment is due to an Accident
  • Pre-Existing Diseases: Treatment expenses for pre-existing diseases are not covered until 48 months of continuous coverage under the policy
  • Specific Waiting Periods: The 20 conditions listed below will be subject to a waiting period of 24 months and will be covered in the third year of continuous coverage under the policy
  1. Benign ENT disorders
  2. Tonsillectomy
  3. Adenoidectomy
  4. Mastoidectomy
  5. Tympanoplasty
  6. Hysterectomy
  7. All internal and external benign tumours, cysts, polyps of any kind, including benign breast lumps
  8. Benign prostate hypertrophy
  9. Cataract and age-related eye ailments
  10. Gastric/Duodenal Ulcer
  11. Gout and Rheumatism
  12. Hernia of all types
  13. Hydrocele
  14. Non-infective Arthritis
  15. Piles, Fissures and Fistula in anus
  16. Pilonidal sinus, Sinusitis and related disorders
  17. Prolapse inter Vertebral Disc and Spinal Diseases unless arising from accident
  18. Calculi in urinary system, Gall Bladder and Bile duct, excluding malignancy
  19. Varicose Veins and Varicose Ulcers
  20. Internal Congenital Anomalies

ii. 48 Months waiting period

  1. Treatment for joint replacement unless arising from accident
  2. Age-related Osteoarthritis & Osteoporosis

Expenses related to the following will not be covered by Royal Sundaram.

  1. Investigation & Evaluation (Code: Excl04)
  2. Rest cure, rehabilitation and respite care (Code: ExcI05)
  3. Obesity/weight Control (Code: ExcI06)
  4. Change-of-Gender treatments (Code: Excl07)
  5. Cosmetic or Plastic Surgery (Code: Excl08)
  6. Hazardous or Adventure sports (Code: ExcI09)
  7. Breach of law (Code: Excl10)
  8. Excluded Providers (Code:Excl11)
  9. Treatment for Alcoholism, drug or substance abuse or any addictive condition and consequences thereof (Code: Excl12)
  10. Treatments received in heath hydros, nature cure clinics, spas or similar establishments or private beds registered at nursing homes attached to such establishments or where admission is arranged wholly or partly for domestic reasons. (Code: Excl13)
  11. Dietary supplements and substances that can be purchased without prescription, including but not limited to vitamins, minerals and organic substances unless prescribed by a medical practitioner as part of hospitalisation claim or day care procedure (Code: Excl14)
  12. Refractive Error (Code: Excll5)
  13. Unproven Treatments (Code: Exc116)
  14. Sterility and Infertility (Code: Excll7)
  15. Maternity Expenses (Code:Excl18)
  16. War (whether declared or not) and war-like occurrence or invasion, acts of foreign enemies, hostilities, civil war, rebellion, revolutions, insurrections, mutiny, military or usurped power, seizure, capture, arrest, restraints and detainment of all kinds
  17. Nuclear, chemical or biological attack or weapons, contributed to, caused by, resulting from or from any other cause or event contributing concurrently or in any other sequence to the loss, claim or expense
  18. Any expenses incurred on Domiciliary Hospitalisation and OPD treatment
  19. Treatments taken outside the geographical limits of India
  20. In respect to existing diseases disclosed by the insured and mentioned in the policy schedule (based on insured’s consent), the policyholder is not entitled to get the coverage for specified ICD codes
Timing of Cancellation Refund %
Up to 30 days 75.00%
31 to 90 days 50.00%
3 to 6 months 25.00%
6 to 12 months 0.00%
Man

We will answer every
single question you have.

Have a question? Search for it.

You can avail the policy for yourself and the following family members

  • Legally wedded spouse
  • Parents and Parents- in-law
  • Dependent Children (i.e. natural or legally adopted) aged 3 months to 25 years
If you are aged below 65 years, you need to be mandatorily covered along with your family. In case you are more than 65 years old, you can obtain the policy for family, without covering self.

Adult: Minimum entry age is 18 years and maximum entry age is 65 years.

Children: The minimum entry age under this policy is between 3 months and 25 years.

You can choose from a wide range of Sum Insured options: Rs.1 lakh, Rs.1.5 lakh, Rs. 2 lakh, Rs. 2.5 lakh, Rs. 3 lakh, Rs. 3.5 lakh, Rs.4 lakh, Rs. 4.5 lakh, Rs. 5 lakh.

  • Hospitalization Expenses
  • Ayush Treatment
  • Cataract Treatment
  • Pre-Hospitalization
  • Post Hospitalization
  • Modern Treatments
  • Cumulative Bonus

The following procedures will be covered (wherever medically indicated) either as in-patient or as part of day care treatment in a hospital up to 50% of Sum Insured, specified in the policy schedule, during the policy period:

  • Uterine Artery Embolization and HIFU (High intensity focused ultrasound)
  • Balloon Sinuplasty
  • Deep Brain stimulation
  • Oral chemotherapy
  • Immunotherapy - Monoclonal Antibody to be given as injection
  • Intra vitreal injection
  • Robotic surgeries
  • Stereotactic radio surgeries
  • Bronchial Thermoplastic
  • Vapourisation of the prostrate (Green laser treatment or holmium laser treatment)
  • IONM - (Intra Operative Neuro Monitoring)
  • Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered

We cover medical expenses incurred for inpatient care treatment Under Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy system of medicines during each Policy Year up to the limit of sum insured as specified in the policy schedule in any AYUSH Hospital.

Your health is important to us, so we reward you for every year you go without any health problems and claims related to it. Cumulative Bonus will be increased by 5% for each claim-free policy year (where no claims are reported), provided the policy is renewed with the company without a break subject to a maximum of 50% of the sum insured under the current policy year. If a claim is made in any particular year, the cumulative bonus accrued shall be reduced at the same rate at which it has accrued. However, sum insured will be maintained and will not be reduced in the policy year.

  • Room Rent, Boarding, Nursing Expenses as charged by the Hospital/Nursing Home up to 2% of the sum insured - subject to a maximum of Rs.5000/-, per day
  • Intensive Care Unit (ICU)/Intensive Cardiac Care Unit (ICCU) expenses up to 5% of sum insured - subject to a maximum of Rs. 10,000/- per day
  • Medical expenses for treatment of Cataract is subject to a limit of 25% of Sum insured or Rs. 40,000/-, whichever is lower, per each eye in one policy year
  • Each claim under the Policy shall be subject to a Co-payment of 5% applicable to claim amount admissible and payable as per the terms and conditions of the Policy
  • 30 Days Initial Waiting Period: We will not cover any treatment taken during the first 30 days from the first commencement of the Policy, unless the treatment is due to an Accident. This waiting period does not apply for any subsequent and continuous renewals of your Policy or Policy is enforced with any other Insurance Company (Non-Life/Health Insurance Company)
  • Pre-Existing Diseases: Expenses related to the Pre-existing Disease will not be covered until 48 months of continuous coverage have elapsed since the inception of the first Policy with us or Policy is enforced with any other Insurance Company (Non-Life/Health Insurance Company)
  • Specific Waiting Periods: For all insured persons, the 20 conditions listed below will be subject to a waiting period of 24 months and will be covered in the third policy year as long as the insured person has been insured continuously under the policy without any break:
    1. Benign ENT disorders
    2. Tonsillectomy
    3. Adenoidectomy
    4. Mastoidectomy
    5. Tympanoplasty
    6. Hysterectomy
    7. All internal and external benign tumours, cysts, polyps of any kind, including benign breast lumps
    8. Benign prostate hypertrophy
    9. Cataract and age-related eye ailments
    10. Gastric/Duodenal Ulcer
    11. Gout and Rheumatism
    12. Hernia of all types
    13. Hydrocele
    14. Non-infective Arthritis
    15. Piles, Fissures and Fistula in anus
    16. Pilonidal sinus, Sinusitis and related disorders
    17. Prolapse inter Vertebral Disc and Spinal Diseases unless arising from accident
    18. Calculi in urinary system, Gall Bladder and Bile duct, excluding malignancy
    19. Varicose Veins and Varicose Ulcers
    20. Internal Congenital Anomalies
ii. 48 Months waiting period
  • Treatment for joint replacement unless arising from accident
  • Age-related Osteoarthritis & Osteoporosis

We shall not be liable to make any payment under the policy, in respect of any expenses incurred in connection with or in respect of:

  1. Investigation & Evaluation (Code: Excl04)
  2. Rest Cure, rehabilitation and respite care (Code: ExcI05)
  3. Obesity/ Weight Control (Code: ExcI06)
  4. Change-of-Gender treatments: (Code: Excl07)
  5. Cosmetic or plastic Surgery: (Code: Excl08)
  6. Hazardous or Adventure sports: (Code: ExcI09)
  7. Breach of law: (Code: Excl10)
  8. Excluded Providers: (Code:Excl11)
  9. Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof. (Code: Excl12)
  10. Treatments received in heath hydro’s, nature cure clinics, spas or similar establishments or private beds registered as a nursing home attached to such establishments or where admission is arranged wholly or partly for domestic reasons. (Code: Excl13)
  11. Dietary supplements and substances that can be purchased without prescription, including but not limited to Vitamins, minerals and organic substances unless prescribed by a medical practitioner as part of hospitalization claim or day care procedure. (Code: Excl14)
  12. Refractive Error. -(Code: Excll5)
  13. Unproven Treatments:(Code: Exc116)
  14. Sterility and Infertility: (Code: Excll7)
  15. Maternity Expenses (Code - Excl18):
  16. War (whether declared or not) and war like occurrence or invasion, acts of foreign enemies, hostilities, civil war, rebellion, revolutions, insurrections, mutiny, military or usurped power, seizure, capture, arrest, restraints and detainment of all kinds
  17. Nuclear, chemical or biological attack or weapons, contributed to, caused by, resulting from or from any other cause or event contributing concurrently or in any other sequence to the loss, claim or expense
  18. Any expenses incurred on Domiciliary Hospitalization and OPD treatment
  19. Treatments taken outside the geographical limits in India
  20. In respect of the existing diseases, disclosed by the insured and mentioned in the policy schedule (based on insured’s consent), policyholder is not entitled to get the coverage for specified ICD codes

You can cancel this Policy by giving 15 days written notice, and we shall refund premium on short term rates for the unexpired Policy Period as per the rates detailed below.

Timing of Cancellation Refund %
Up to 30 days 75.00%
31 to 90 days 50.00%
3 to 6 months 25.00%
6 to 12 months 0.00%

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