Network hospitals
10000+
Incurred claim ratio
83.36%
Sum insured
Up to 1.5 CR
No. of Plans
10
Solvency Ratio
2.1
Pan India Presence
158
Network hospitals
10000+
Incurred claim ratio
83.36%
Sum insured
Up to 1.5 CR
No. of Plans
10
Solvency Ratio
2.1
Pan India Presence
158
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.
Child - 91 days (min.)
Adult - 18 years- No Max. Limit
1/2/3 Years
Individual/Family floater/Combination
Individual: INR 2 - 15 Lakhs Family: INR 3 - 50 Lakhs
30 Days
*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:
It's necessary to insure at least 2 members at the time of policy inception.
Room Rent
Covered
ICU Charges
NA
Pre-Hospitalization
Covered
Post-Hospitalization
Covered
Domiciliary Hospitalization
Covered
Daycare Treatment
Covered
OPD Charges
Covered
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
AYUSH Treatment
Covered
IVF Treatment
Not Covered
Modern Treatment
Not Covered
Ambulance
Covered
Air Ambulance
Covered
Compassionate Travel
Not Covered
Global Coverage
Not Covered
E-Consultation
NA
Health Check-Up
Covered
Second Medical Opinion
Covered
Vaccination
Covered
Co-payment
Applicable
Sub-limits
Applicable
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:
Coverage status under Royal Sundaram Family Plus Plan
Covered. No room rent capping.
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
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
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
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
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
Covers the cost of doctor consultation and prescribed medical tests that may not require hospitalization.
Coverage status under Royal Sundaram Family Plus Plan
Covered
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
A common eye condition in which your vision gets blurred.
Coverage status under Royal Sundaram Family Plus Plan
Not Covered
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
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
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
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
It refers to the cover that includes expenses for normal and c-section procedure deliveries.
Coverage status under Royal Sundaram Family Plus Plan
Covered.
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:
Coverage status under Royal Sundaram Family Plus Plan
Covered as per maternity cover
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
In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:
Coverage status under Royal Sundaram Family Plus Plan
Not Covered
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
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
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
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
Any kind of medical/health emergency when you are outside of India.
Coverage status under Royal Sundaram Family Plus Plan
Not available
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
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.
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
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
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
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
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
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 is a plan that covers basic hospitalization and many health and wellness benefits.
Unique Features
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
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
Provides coverage for basic medical expenses, which include hospitalization, and pre and post-hospitalization expenses at affordable prices.
Unique Features
A plan that includes inpatient treatment, Ayush treatment, and donor expenditures and has no room rent caps or sub-restrictions.
Unique Features
A plan that protects against accidental death or disability, and includes a 50% No-Claim Bonus. The plan has flexible premium payment terms.
Unique Features
A plan that offers the ABCD (Asthma, BP, Cholesterol, Diabetes) benefits. It covers several chronic illnesses as well as pre-existing diseases.
Unique Features
This plan is specially designed to serve surrogate mothers by helping them financially to receive assisted reproduction treatment.
Unique Features
A plan that covers people with disabilities and affected by HIV/AIDS.
Unique Features
Pre-policy medical check-ups are only applicable to people 45+ years of age group and those who have some pre-existing disease.
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.
You can cover 19 individuals under the family floater plan variant.
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.
It means you are eligible to buy a health insurance plan which comes as a set of individual plan SI + family plan SI.
Against all the paid premiums of your policy, you can avail of the tax benefit upto the specified limit.
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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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