Royal Sundaram
Family Plus
Royal Sundaram Family Plus can be a decent pick if you are looking for a family health insurance plan. Apart from the basics, the plan offers coverage for animal bite treatment (up to ₹5000/policy year) and maternity coverage of up to ₹50k (waiting period of 2 years only). Unfortunately, the policy is not without its caveats. The plan has a 50% sub-limit on its coverage for modern treatments, and while the insurer offers the restoration perk, it can only be availed once a year and for different ailments.
What's good here?
Vaccination cover for Animal Bite
This plan provides coverage for animal bite vaccination up to ₹5000 per policy year.
This plan provides coverage for animal bite vaccination up to ₹5000 per policy year.
You’ll never have to split the bill
The insurer will bear the entire cost of treatment (up to the sum insured). You won’t have to pay a single penny. Meaning this policy has no co-payment.
Pre & Post hospitalization expenses covered
No worries if the doctor had to run a host of diagnostic tests before or after hospitalizing you. The insurer has your back. They will cover this amount in full for a pretty reasonable duration - 60 days before you are hospitalized and 90 days after discharge. This includes the cost of medication by the way.
Special Bonus for being healthy
Your sum insured increases by 20% each year, even if you've claimed in the previous year. But before you get too ahead of yourself, do note that they’ll stop offering you the bonus when your sum insured increases by 100%. But hey, it's still a bonus.
Full coverage even if you are forced to hospitalize at home
The insurer will bear the costs even if you are hospitalized at home due to a condition or the hospital running out of beds. In insurance lingo, they call this a policy with domiciliary cover.
Maternity benefits offered
The insurer will also cover expenses related to maternity— Think hospitalization expenses incurred while giving birth. But they’ll only pay upto ₹50,000 and make you wait 2 years before covering this expense. Also, you’ll only get the benefits if both, you and your spouse are enrolled in a single-family floater plan.
You can pick any room you like
Shared room, single room, deluxe room or any room that’s available. The insurer won’t nitpick on your choice of room since the policy has no restrictions on room rent.
Day Care treatments covered
If you’re hospitalized for less than 24 hours in lieu of a minor procedure, then the insurer will cover these costs too. Think dialysis, chemotherapy or minor surgeries.
Free Health Checkups every year
If you’re planning on getting a full body checkup every year just to make sure you’re in fine working condition, the insurer will cover the costs.
Covers Alternative Medicine
Think of getting Ayurvedic, Homeopathic or other alternative treatments to cure an illness? Your insurer will cover you fully, up to the sum insured.
What's bad here?
Your insurer won’t pay the full bill for certain diseases
Your insurance cover won’t be fully available in case you are treated for modern treatments Meaning the insurance company has a cap of 50% of the sum insured if you are treated for the same.
Your insurance cover won’t be fully available in case you are treated for modern treatments Meaning the insurance company has a cap of 50% of the sum insured if you are treated for the same.
What's okay here?
Reasonable waiting period for pre-existing diseases
If you’re already dealing with diabetes, cardiovascular problems or any such illnesses, the insurer will cover all costs arising out of these pre-existing problems after you wait for 3 years.
Some Restoration Benefit
Even after you claim part of the cover on one occasion, you will have 100% of the cover restored, if you are hospitalized one more time in a bid to treat a different complication. In the same year, by the way.
Add-ons
Consumables Cover
With this add-on, you also get extended coverage for generally excluded items like syringes, gloves, PPE kits etc.
Health & Wellness
With this add-on, the insurance company offers teleconsultation with doctors whenever you require, a virtual health coach to help you boost your health and Health & Wellness app to manage yours health status.
Hospital Cash
With this add-on, the insurer will hand out cash every day you stay at the hospital subject to certain limits. The cash is expected to replace your income during the course of your hospitalization.
Co-payment
This benefit helps to opt for co-payment between 5% to 30%.
Frequently Asked Questions
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