Royal Sundaram Family Health Insurance

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Royal Sundaram Family Health Insurance Policy

 

Royal Sundaram Family Health Insurance policy can be bought instantly online as there is no medical test involved if the person’s age is less than 50 years. It covers hospitalisation, pre and post hospitalisation expenses incurred by individuals as well as family members. The policy is available for a period of 1 year as well as 2 yrs.

  

 

Key Features of Royal Sundaram Family Health Insurance Policy

 

  • No medical test up to the age of 50 yrs
  • No documentation required – complete online process
  • Instant policy issuance
  • Master health check-up charge reimbursed during a block of 4 yrs for each member insured (provided no claims made)

 

 

What is covered in Royal Sundaram Family Health Insurance Plan?

 

  • Hospitalisation expenses for illnesses and accidents
  • Pre-hospitalisation expenses for 30 days
  • Post-hospitalisation expenses for 60 days
  • Surgeon’s fees
  • Hospital room and boarding expenses as well as nursing expenses
  • Emergency Ambulance charges up to Rs 1,000

 

 

Additional Benefits of Royal Sundaram Family Health Insurance Plan

 

Pre-existing diseases covered after 4 yrs             

 

 

Eligibility and Restrictions of Royal Sundaram Family Health Insurance Policy

 

 

 

Minimum

Maximum

Coverage Amount (in Rs.)

100,000

500,000

Policy Term (in years)

1

2

Entry Age (in years)

0

50

Renewable till Age (in years)

-

70

 

 

Family floater policy will cover

 

  • Self
  • Spouse
  • 3 Dependent Children (Unmarried - between 91 days and under 21 years)
  • Dependent Parents up to 50 yrs of age

 

 

Tax Benefits in Royal Sundaram Family Health Insurance Policy

 

Health Insurance premiums paid up to Rs. 15,000 and Rs 20,000 for senior citizen are allowed as a deduction from the taxable income each year under section 80D of the Income Tax Act.

 

 

Exclusions - What is not covered in Royal Sundaram Family Health Insurance Policy?

 

  • First 30 days of initial waiting period - except in case of an accident
  • Pre-existing diseases for first 4 yrs
  • Pregnancy and child birth related expenses
  • Conditions arising due to war or nuclear perils
  • Psychiatric conditions
  • HIV / AIDS related conditions
  • Cosmetic and plastic surgery, ayurvedic, naturopathy, homeopathic treatment is excluded

 

 

Alternate Health Insurance Plans from other insurance companies

 

Future Generali Future Health Suraksha

Bajaj Allianz Family Floater Health Guard

Chola MS Family Health

Star Family Health Optima Insurance

 

 

Other Health plans from Royal Sundaram Insurance

 

Royal Sundaram Health Shield Policy

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