Claim Settlement Ratio 81.5%
Claim Settlement Facility 100%
Network Hospitals 7000
COVID-19 Cover Yes
Incurred Claim Ratio 61%
The minimum entry age is 18 years and the maximum entry age is lifetime. There is no capping on the maximum entry age as customers can enter the policy at any time.
The minimum sum insured under the plans are Rs. 2 laksh and a maximum sum insured of Rs.1.5 Crore. Sum insured enhancement is permitted only at the time of renewal of the health insurance policy.
The family coverage includes Self, Spouse, and up to 4 dependent children. Separate floater plans can be taken for parents or other dependents.
Royal Sundaram health insurance plans offer a no claim bonus of up to 20% for every claim free year and a maximum of up to 100% of the sum insured. There will not be any reduction in the no claim bonus as a result of claim by the insured person in a policy year.
The pre and post hospitalization expenses are covered up to 60 days and 180 days respectively.
The plan will reimburse the ambulance expenses up to Rs.10000 as reasonable and customary charges incurred to transfer the insured person from the place of accident to the nearest hospital or from one hospital to another hospital.
The policy covers the reimbursement of medical expenses incurred by an organ donor who is undergoing organ transplant for the insured. The organ donor expenses are covered up to the sum insured limit mentioned under the policy.
The company would reimburse the medical expenses incurred for treatments taken at home involving medical treatments exceeding a period of 3 days up to the sum insured limit mentioned under the policy.
The policy covers the vaccination costs for animal bite up to Rs.7500. The medical expenses incurred for OPD treatment for animal bite for vaccination or immunization are covered under the policy.
This facility is available once in a lifetime of the policy period in case of medical evacuation and on the advice of the treating doctor. The maximum sum insured coverage under this section is Rs.3 lakhs.
The health insurance plan covers the Worldwide emergency hospitalization up to 50% of the sum insured for Rs.2 lakhs whichever is lower, once in a policy year.
The health insurance policy of Royal Sundaram covers the international treatment abroad for 11 critical illnesses along with one time return airfare for insured person.
The policy covers the OPD treatment up to Rs.10,000 during the policy period.
The policy covers the cost of a health checkup as per the plan eligibility subject to renewability of the policy. This benefit is above the base sum insured.