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Smart Cash Plan

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Hospitalisation of your loved ones is very expensive and can drain your savings. While Health Insurance helps you to take care of hospital bills, there are several other incidental expenses such as transportation expenses, patient’s attender’s charges incurred during hospitalisation which may burn a hole in your pocket.
 

To cover these out of pocket expenses and help you financially, Royal Sundaram offers “Smart Cash Plan” as a supplement to your Health Insurance Policy.
 

Who can be insured?

The cover is available for self, spouse, children, parents and other dependents, who bear any legal relation to the Proposer such as Father in Law,   Mother in Law , Uncle, Aunt etc.,
Persons from the age of 91 days onwards can be enrolled. 
 

How long the cover can be renewed?

Policy can be renewed lifelong.
 

Discount in premium

You can get a discount of 10% on total premium if you cover 3 or more family members under the same Policy. Also you can avail a discount of 10% & 12.5% when you opt for 2 & 3 years tenure respectively. 


Smart Cash Plan provides daily cash benefit for the following conditions

  • Emergency and planned medical admission
  • Accident (Double the daily benefit for rail/road/air accidents for Hospitalization exceeding 5 days) 
  • Surgery
  • Medical treatment (If the reason for hospitalisation is covered by the Policy. Please refer the Terms and Conditions or FAQ`s page for more information about coverage)
  • Joint Hospitalization when two or more persons covered under the same policy are hospitalized due to an accident concurrently.

    Smart Cash Plan offers Personal Accident Benefit as optional benefit for specified Sum Insured on payment of additional premium
     

    Learn about more key benefits of Smart Cash Plan
     

Product Benefit Table
 

BENEFITS / PLANS
Daily Benefit
SILVER GOLD PLATINUM
500, 1000, 1500, 2000, 2500, 3000 3000, 4000, 5000 5000, 7500, 10000
Hospital Cash Benefit(A)
Cover for 180 days per policy year on every consecutive and completed period of 24 hours of hospitalization
Cover for 180 days per policy year on every consecutive and completed period of 24 hours of hospitalization
Cover for 180 days per policy year on every consecutive and completed period of 24 hours of hospitalization
Accident Hospitalization Benefit(B)*1
Double the daily benefit for a maximum of 15 days when hospitalized for more than 5 days.
Double the daily benefit for a maximum of 15 days when hospitalized for more than 5 days.
Double the daily benefit for a maximum of 15 days when hospitalized for more than 5 days.
Convalescence Benefit(C)*2
Rs 10000/-payable for hospitalization beyond 15 days
Rs 10000/-payable for hospitalization beyond 15 days
Rs 10000/-payable for hospitalization beyond 15 days
Critical Illness Benefit(D)*3
Rs 10000/-payable on diagnosis of covered 7 listed critical illness
Rs 15000/-payable on diagnosis of covered 7 listed critical illness
Rs 20000/-payable on diagnosis of covered 7 listed critical illness
Joint Hospitalization due to an accident(E)*4
Double the daily benefit payable when two or more insured persons covered under the same policy are hospitalized concurrently for a maximum of 5 days
Double the daily benefit payable when two or more insured persons covered under the same policy are hospitalized concurrently for a maximum of 5 days
Double the daily benefit payable when two or more insured persons covered under the same policy are hospitalized concurrently for a maximum of 5 days
Child Birth Benefit(F)*5
Not Available
A lump sum of Rs 10000/-
A lump sum of Rs 20000/-
Pre-Exisiting Disease Benefit(G)*6
Not Available
A chosen daily benefit or Rs5000/- per day whichever is lower is payable upto a maximum of 5 days
A chosen daily benefit or Rs5000/- per day whichever is lower is payable upto a maximum of 5 days
Health Check up cost reimbursement(H)*7
Not Available
A maximum of 50% of the average daily benefit chosen is reimbursable
A maximum of 50% of the average daily benefit chosen is reimbursable
Intensive Care Benefit(I)*8
Not Available
Not Available
Double the daily benefit is payable for maximum of 5 days per policy year
Parental Accommodation Benefit(J)*9
Not Available
Not Available
A chosen daily benefit is payable up to a maximum of 5 days per policy year
Emergency Family Member Visit from abroad(K)*10
Not Available
Not Available
Reimbursement of two way flight charges in economy class upto a maximum of rs 1/- lac per insured person policy
Customer Level Option Personal Accident Benefit*11
Coverage up to an amount of Rs 10 lakhs
Coverage up to an amount of Rs 15 lakhs
Coverage up to an amount of Rs 25 lakhs
 

Click here to download the Product Brochure for Smart Cash Plan 
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