Royal Sundaram Family Good Health Plan
Product Overview
Royal Sundaram Family Good Health Plan is a comprehensive Family floater health insurance plan designed to protect you and your family against sudden illness, accidents and unexpected hospitalization. The plan also offers Cumulative bonus for every claim free years from 5% to 50%.
Unique Features of Royal Sundaram Family Good Health Plan
- No Medical test required up to 50 years
- Under this plan there is a No Co-payment clause
- Some Organ Specific diseases are Covered after a waiting period of 1 year. For e.g. Congenital Internal Disease etc.
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OneInsure App Benefits
Critical features of Royal Sundaram Family Good Health Plan
- Room rent:
Limits imposed towards room and ICU rent expenses
Room/ ICU charges beyond 2% and 4% of the Sum insured per day - Co-Pay:
Specific % of admissible claim amount to be borne by Insured
- This plan does not have co-payment clause
- Cataract Limit- 10% of the Sum insured
- No Claim Bonus:
Health Insurance policies may offer Cumulative Bonus wherein for every claim free year, the Sum Insured is increased by a certain percentage at the time of renewal
The Sum insured shall be increased by slabs of 5% in respect of every claim free year subject to a maximum accumulation of 10 slabs. - Pre-Existing Diseases:
Means any condition, ailment or injury or related condition(s) for which you had signs or symptoms, and / or were diagnosed, and / or received medical advice/ treatment, within 48 months prior to the first policy issued by the insurer
This plan has a waiting period of 4 years is case of pre-existing diseases
Eligibility Criteria
- Minimum Age of Entry:- Children-91 days to 21 years/Adults-18 years
- Maximum age of Entry:- 65 years
- Renewal Age:- Life Long Renewal
- Sum Insured:- 2/3/4 Lakhs
- Policy Tenure:- 1 & 2 years
- Premium Calculated on Basis of:- Age, Zone (i.e. sum Insured Choosen)
Additional discounts
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Discount for multi-year polices-5% discount for opting 2 years policy tenure
Exclusions
- Tests and treatment relating to infertility and in vitro fertilization.
- Treatment with alternative medicines like acupuncture,acupressure, osteopath, naturopathy, chiropractic, reflexology and aromatherapy
- All expenses related to AIDS and related diseases.
- Use/Abuse of intoxicating drugs or alcohol,any hazardous activities
- War or any act of war, invasion, intentional self-injury or attempted suicide
- Treatment of obesity,,Cosmetic treatments,mental disorders,external congenital diseases
- Personal comfort and convenience items or services
- Treatment arising from or traceable to pregnancy (whether uterine or extra uterine) and childbirth including caesarean section, and/or any treatment related to prenatal and postnatal care.
Note: Any claims arising out of or attributable to any of the following is not covered, Please refer policy T & C for a detailed list of exclusions.
Tax Benefits
When you pay the premium for your health insurance policy, you are liable to get a tax rebate under section 80D of the Income Tax Act, 1961.
Claim Process
In case you would like to know about the Claim Process or would like to register a Claim please click the link below
