Royal Sundaram Family Health Insurance



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





Coverage Amount (in Rs.)



Policy Term (in years)



Entry Age (in years)



Renewable till Age (in years)





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

~ By Deepak Yohannan
Note: This is a statement of facts based on the information collected from the Royal Sundaram Family Health Insurance brochure and insurance company's website. It should not be construed as a Critical or Favourable Royal Sundaram Family Health Insurance Review, Analysis or Recommendation.
Insurance is a subject matter of the solicitation.

Leave a Comment

i have taken new policy from royal sundaram & paid an amt of 2797 till now i did not got any confirmation call from u r end & u r customer care is not responding

By Gauthamblr on Apr 19, 2012 Reply

My health policy no 0017104 . I have deposited the renewal amount 9284. I am afraid to said that till today I have not received the policy letter. please dispatch policy letter as earliest. Your phone is not responding. so please.

By Akhil Sitokey on Feb 18, 2012 Reply

Please advise me on what diseases covered and not covered during the stages of during the initial period (say between issuance and upto 4 years) and the same information after 4 years.


By Murty on Jan 20, 2012 Reply

is there any increasement in premium while renuel

By Akhil on Jan 05, 2012 Reply

I want to know what type of diseases cover under this policy.How many hospital in New Bombay for facility in your organisation.Is it cashless facility .

By Dillip Ghadai on Sep 13, 2011 Reply

Does this plan has cashless facility?

By Samir Deokuliar on Sep 06, 2011 Reply

We need information about the diseases covered in this policy.

By Meena on Aug 27, 2011 Reply

i should be retun preium term plan

By Jitendra Kumar on Jul 23, 2011 Reply

Know more about this policy

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