Royal Sundaram's Family Plus Health Insurance Plan
Give your life a new direction with the Royal Sundaram Family Plus plan if you are planning a family or want to protect your extended family.
It's obvious that healthcare facilitation has become expensive these days, no wonder it'll touch the sky further. Resultantly, you must buy a health insurance plan that extensively covers all the members of your family not only your legally wedded spouse, children, or parents but your in-laws, maternal and paternal extended family including 19 members with a combination plan. Additionally, if you're planning to secure your child's future health needs, or starting a new life with a newborn, having this plan will enhance the joyous experience of your life with its maternity and newborn covers.
Here, you can buy the Royal Sundaram Family Plus plan as a combination of Individual SI + Floater SI which will cover all the family members exclusively as a whole of the sum insured on a shared basis.
This article has everything that you need to know about the Royal Sundaram Family Plus plan, read further to learn more.
Eligibility Criteria for Buying Royal Sundaram Family Plus Plan
*The Initial Waiting Period is the period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.
To know more about the plan, read the policy wordings provided below:
Benefits of Buying Royal Sundaram Family Plus Insurance Plan
Emergency domestic evacuation
In a condition where the insured member needs to be evacuated, this policy will cover emergency evacuation at the domestic level for a maximum of upto INR 1 Lakh.
Nutritional allowance post-discharge
Provides nutritional allowance for the mother post recharge and the maximum amount to be availed is upto INR 10,000.
No cost sum insured reload benefit
The policyholder can benefit from an additional sum insured reload without paying anything in extra, given that they have exhausted the base sum insured value.
Covers 19 relations
Here are the relations apart from the policyholder that are covered by the Royal Sundaram Family Plus plan:
Self
Legally married spouse as long as he or she continues to be married to you
Son
Daughter-in-law
Daughter
Father
Mother
Father-in-law as long as Your spouse continues to be married to you
Mother-in-law as long as Your spouse continues to be married to you
Grandfather
Grandmother
Grandson
Granddaughter
Son-in-law
Brother
Sister
Sister-in-law
Brother-in-law
Nephew
Niece
It's necessary to insure at least 2 members at the time of policy inception.
Specifications of Royal Sundaram Family Plus Policy
In-patient & Out-patient Coverage
Room Rent
Covered
ICU Charges
NA
Pre-Hospitalization
Covered
Post-Hospitalization
Covered
Domiciliary Hospitalization
Covered
Daycare Treatment
Covered
OPD Charges
Covered
Coverage Terms
COVID-19 Treatment
Covered
Cataract
Not Covered
No Claim Bonus
Covered
Automatic Restoration
Covered
Daily Hospital Cash
Covered
Organ Donor
Covered
Maternity Cover
Covered
New Born Baby Cover
Covered
Alternative Treatments
AYUSH Treatment
Covered
IVF Treatment
Not Covered
Modern Treatment
Not Covered
Emergency Coverage
Ambulance
Covered
Air Ambulance
Covered
Compassionate Travel
Not Covered
Global Coverage
Not Covered
Wellness Programmes
E-Consultation
NA
Health Check-Up
Covered
Second Medical Opinion
Covered
Vaccination
Covered
Limitations
Co-payment
Applicable
Sub-limits
Applicable
What is Room Rent?
The room rent limit is the maximum amount of bed charge that you can claim if you are hospitalized.
Common Room categories covered under room rent are:
Private Single AC Room
Twin Sharing
General Ward
Coverage status under Royal Sundaram Family Plus Plan
Covered. No room rent capping.
What are ICU Charges?
It is a special department in the hospitals where patients with serious medical conditions are treated.
Coverage status under Royal Sundaram Family Plus Plan
Not Available
What is Pre Hospitalization?
Medical expenses incurred before the hospitalization of the policyholder.
Coverage status under Royal Sundaram Family Plus Plan
Covered for up to 60 days before hospitalization, upto SI
What is Post Hospitalization?
Medical expenses incurred after the discharge of the policyholder from the hospital.
Coverage status under Royal Sundaram Family Plus Plan
Covered for up to 90 days after hospitalization, upto SI
What is Domiciliary Hospitalization?
Home hospitalization arrangements for the insured person due to the unavailability of medical amenities in hospitals. The treatment should last equal to or more than 72 hrs to get financial coverage.
Coverage status under Royal Sundaram Family Plus Plan
Covered up to Sum Insured
What is Daycare Treatment?
Treatments that can be treated in less than 24 hours of hospitalization like blood dialysis, cataract, etc.
Coverage status under Royal Sundaram Family Plus Plan
Covered
What are OPD charges?
Covers the cost of doctor consultation and prescribed medical tests that may not require hospitalization.
Coverage status under Royal Sundaram Family Plus Plan
Covered
What is COVID-19 Treatment?
COVID-19 treatment includes the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. approved Centre.
Coverage status under Royal Sundaram Family Plus Plan
Covered
What is Cataract Treatment?
A common eye condition in which your vision gets blurred.
Coverage status under Royal Sundaram Family Plus Plan
Not Covered
What is a No-Claim Bonus?
For every claim-free year, insurance companies reward policyholders with an increase in the Sum Insured amount as a no-claim bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage that varies from plan to plan.
Coverage status under Royal Sundaram Family Plus Plan
Available bonus of 20% of base Sum Insured
What is Automatic Restoration?
Automatic restoration is a benefit in which an insurance company restores the sum insured amount completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from plan to plan.
Coverage status under Royal Sundaram Family Plus Plan
Sum insured reload benefit is available without any additional charges
What is Daily Hospital Cash?
It is a cash amount that you receive each day during the time of hospitalization.
Coverage status under Royal Sundaram Family Plus Plan
Available upto INR 2K per day
What is an Organ Donor Cover?
It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body.
Coverage status under Royal Sundaram Family Plus Plan
Covered
What is a Maternity Cover?
It refers to the cover that includes expenses for normal and c-section procedure deliveries.
Coverage status under Royal Sundaram Family Plus Plan
Covered.
Maternity cover upto ₹ 50,000 per delivery
New-born baby cover
Vaccinations for newborn babies in the first year up to Rs 10,000
Nutritional Allowance for mother post discharge up to Rs 10,000
What is a New Born Baby Cover?
It takes care of the medical expenses that arise due to the hospitalization of the newborn baby in case of unforeseen circumstances. Some of the common treatments that are covered under the newborn cover and these common treatments can vary from plan to plan:
Congenital anomaly (conditions since birth)
Acute condition
Chronic condition
Pre-mature delivery
Birth asphyxia
Day care treatment
Coverage status under Royal Sundaram Family Plus Plan
Covered as per maternity cover
What is AYUSH Treatment?
Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.
Coverage status under Royal Sundaram Family Plus Plan
Covered upto INR 30,000
What is IVF Treatment?
In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:
Full infertility
No fertility
Infertility diagnosis
Infertility diagnosis and limited fertility treatment
Medication (which may or may not include fertility drug prescriptions)
Coverage status under Royal Sundaram Family Plus Plan
Not Covered
What is a Modern Treatment?
Medical treatments that demand the use of modern technology such as robotic surgeries, stem cell therapy, etc.
Coverage status under Royal Sundaram Family Plus Plan
Not Covered
What is an Ambulance Cover?
An ambulance is used to move the patient from home to hospital, transfer to another hospital, and take them for different tests outside the hospitals.
Coverage status under Royal Sundaram Family Plus Plan
Covered upto INR 4,000
What is an Air Ambulance?
Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.
Coverage status under Royal Sundaram Family Plus Plan
Covered in case of emergency domestic evacuation
What is Compassionate Travel?
Refers to the traveling expenses of a family member of the insured person in case the policyholders get admitted to a hospital outside his/her residential city.
Coverage status under Royal Sundaram Family Plus Plan
Not available
What is Global Coverage?
Any kind of medical/health emergency when you are outside of India.
Coverage status under Royal Sundaram Family Plus Plan
Not available
What is E-Consultation?
If a policy offers E-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.
Coverage status under Royal Sundaram Family Plus Plan
NA
What is a Health Checkup?
A facility where the policyholder can avail of free health check-ups after fulfilling the company's policies.
Coverage status under Royal Sundaram Family Plus Plan
Annual health check-ups are covered. Preventive healthcare and wellness facilities are also available.
What is a Second Medical Opinion?
If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company's network of medical practitioners.
Coverage status under Royal Sundaram Family Plus Plan
The second opinion is covered for the critical illnesses listed in policy documents for family plans
What is Vaccination cover?
Coverage against the expenses incurred on vaccinations is provided by the insurance companies.
Coverage status under Royal Sundaram Family Plus Plan
Vaccination for animal bites, and vaccinations for newborn babies in the first year up to Rs 10,000 are covered
What is Co-payment?
In the co-payment clause, policyholders have to pay a portion of the hospitalization expense on their own and the insurer will pay the rest of the amount.
Coverage status under Royal Sundaram Family Plus Plan
Applicable
What is the Sub limit?
Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to be paid by the policyholder.
Coverage status under Royal Sundaram Family Plus Plan
Applicable
Exclusions: Royal Sundaram Family Plus Plan
Here is a list of some standard exclusions of the Royal Sundaram Family Plus health insurance plan:
Investigation & evaluation
Rest Cure, rehabilitation and respite care
Obesity/weight control
Change-of-gender treatments
Cosmetic or plastic surgery
Hazardous or adventure sports
Breach of law
Excluded providers
Treatment for alcoholism, drug or substance abuse or any addictive condition and consequences thereof
Dietary supplements and substances bought without prescription
Refractive error
Unproven treatments
Sterility and infertility
Others, as per the specification of your Royal Sundaram Family Plus Plan
Wrapping Up the Facts
After having discussed each facet of the Royal Sundaram Family Plus policy, you must know by now how and why it can be the best investment for you. This plan aligns well with the healthcare needs of those who are planning to extend their family, parents who are seeking to secure their children's/child's future, and those who are in awe of covering all of their family members under one umbrella including their in-laws, maternal, paternal family members, and so on.
Still, have a query about this health policy? Call us on 1800 4200 269 and talk to our customer support team for quick resolution of your questions.
There are two types of plan options available within the health insurance plan category offered by the Royal Sundaram Health Insurance company. These two options are:
This plan is the enhanced lifeline health insurance that offers a high sum insured of 1 crore. The plan offers hospitalization, domestic evacuation and additional benefits.
Unique Features
High Sum Insured
Affordable Premiums
Tax Benefit
Lifeline Supreme (Pros)
5000 + Network Hospitals
Emergency Domestic Evacuation
Health Checkup
Can Refresh SI Once
Mobility Devices Cover
Lifeline Supreme(Cons)
No Gender Treatments
No New Born Baby Cover
No Maternity Cover
No Vaccination Cover
No Obesity/Weight Cover
Lifeline Supreme(Other Benefits)
Health And Wellness Benefits
Bariatric Surgery
App-Based Ambulance Cover
Second Opinion
20% No Claim Bonus
Lifeline Supreme (Eligibility Criteria)
Entry Age - 18 Years
Max Entry Age - 65 Years
SI - 5L to 1 Cr
Waiting Period - 30 Days
Royal Sundaram's Lifeline Elite
This plan is the foremost version of Lifeline health insurance, it offers a high sum insured of 1.5 cr. The plan provides worldwide coverage and Elite Plus benefits.
Unique Features
Worldwide Coverage
Affordable Premiums
Tax Benefit
Lifeline Elite (Pros)
No Room Rent Capping
Maternity Cover
Health Checkup
Global Coverage
Worldwide Emergency Evacuation
Lifeline Elite(Cons)
No Gender Treatments
No Cosmetic Surgery Cover
No War Injury Cover
No Vaccination Cover
No Obesity/Weight Cover
Lifeline Elite(Other Benefits)
Health And Wellness Benefits
OPD Treatment
Elite Plus Benefit
Second Opinion
20% No Claim Bonus
Lifeline Elite (Eligibility Criteria)
Entry Age - 18 Years
Max Entry Age - 65 Years
SI - 25L to 1.5 Cr
Waiting Period - 30 Days
Royal Sundaram Arogya Sanjeevani
Provides coverage for basic medical expenses, which include hospitalization, and pre and post-hospitalization expenses at affordable prices.
Unique Features
Cataract Cover
Hernia Cover
Pre Existing Disease Cover
Arogya Sanjeevani (Pros)
Cataract Treatment
Pre Hospitalization
Post Hospitalization
Modern Treatments
Cumulative Bonus
Arogya Sanjeevani(Cons)
No Gender Treatments
No Global Coverage
No Maternity Cover
No Cosmetic Cover
No Obesity/Weight Cover
Arogya Sanjeevani(Other Benefits)
Dental Cover
Day Care Treatment Cover
Ambulance Cover
Parents-in-law cover
5% No Claim Bonus
Arogya Sanjeevani (Eligibility Criteria)
Entry Age - 18 Years
Max Entry Age - 65 Years
SI - 50 Thousand to 10 Lakh
Waiting Period - 30 Days
Royal Sundaram Advanced Top-Up
A plan that includes inpatient treatment, Ayush treatment, and donor expenditures and has no room rent caps or sub-restrictions.
Unique Features
All-Day Treatment Cover
Life Protect Benefit
Inpatient Hospitalization
Royal Sundaram Advanced Top-Up (Pros)
Modern Treatments
Pre Hospitalization Cover
Post Hospitalization Cover
Inpatient Care
Domiciliary Hospitalisation
Royal Sundaram Advanced Top-Up(Cons)
No Infertility Treatments
No Adventure Sports Cover
No Dietary Supplements Cover
No Cosmetic Cover
No Obesity/Weight Cover
Royal Sundaram Advanced Top-Up(Other Benefits)
Dental Cover
Home Care Treatment Cover
Ambulance Cover
AYUSH Cover
Organ Donor Benefit
Royal Sundaram Advanced Top-Up (Eligibility Criteria)
This plan is specially designed to serve surrogate mothers by helping them financially to receive assisted reproduction treatment.
Unique Features
Surrogacy cover
Oocyte donor cover
Covers pregnancy complications
Surrosafe Health Insurance (Pros)
Pre-natal care
Essential medical expenses
IVF cover
Surrosafe Health Insurance(Cons)
Change of gender treatments
COVID-19 not covered
Hazardous or adventure sports
Beautification surgery
Surrosafe Health Insurance(Other Benefits)
Pre & post-hospitalization
Daycare procedure cover
Ambulance charges
Modern treatment cover
Surrosafe Health Insurance (Eligibility Criteria)
Surrogate min age - 25 years
Surrogate max age - 35 Years
Proposer min age- 23 (F)-26 (M)
Proposer max age- 50 (F) - 55 (M)
Royal Sundaram Divyang Plus
A plan that covers people with disabilities and affected by HIV/AIDS.
Unique Features
Mental illness cover
Affordable premiums
Cataract cover
Divyang Plus (Pros)
Pre & post hospitalization cover
Flexible premiums
Ayush treatment
Pre-existing disabilities cover
Pre existing diseases cover
Divyang Plus(Cons)
Not a family floater plan
WP on pre-existing disabilities
Low sum insured
No air ambulance
Divyang Plus(Other Benefits)
Ayush up to 50% of sum insured
60 days post hospitalization
Ground ambulance cover
40K per eye allotted for cataract
4 premium payment options
Divyang Plus (Eligibility Criteria)
Entry Age - 18 Years
Max Entry age: NA
Sum insured: 4 - 5 lakhs
Waiting period: 24 & 48 months
Royal Sundaram Family Plus Health Plan: FAQs
1. Do I need to go through a pre-policy medical check-up to buy this policy?
Pre-policy medical check-ups are only applicable to people 45+ years of age group and those who have some pre-existing disease.
2. What are the sum insured options under the Family Plus plan?
The individual-based plan of RS Family Plus comes with SI options ranging from 2 Lakhs to 15 Lakhs. Whereas, the family floater plan has SI options ranging from 3 Lakhs to 50 Lakhs.
3. How many persons can be covered under this plan?
You can cover 19 individuals under the family floater plan variant.
4. How can I save more on premiums with the Family Plus plan?
You can provide the proper residential address to your insurer, and if you live in a non-metropolitan city, there will be a 15% discount on the payable premium based on zone charges.
5. What's the combination policy benefit of RS Family Plus health insurance?
It means you are eligible to buy a health insurance plan which comes as a set of individual plan SI + family plan SI.
6. Can I avail of tax benefits with this plan?
Against all the paid premiums of your policy, you can avail of the tax benefit upto the specified limit.
Simran has an experience of 3 years in insurance content writing. She transitioned from hospitality to the insurance industry after her emerging interest in how vast insurance is. With her ability to write complex insurance concepts in a simple, relatable manner she keeps her audience hooked and solves their doubts smoothly.
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