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Royal Sundaram Ace Health Advantage Health Insurance

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Royal Sundaram Health Insurance
Ace Health Advantage
Claim Settlement Ratio92%
Network Hospitals10,000+
Pre-existing Disease Waiting Period3 years
Special BenefitsModern Treatments Such as Bariatric Covered
Starting Premium for Rs. 5 lakhs SIRs. 382/month
Starting Premium of Rs. 5 lakhs SIRs. 382/month

About Royal Sundaram Ace Health Advantage Health Insurance

Family is the most significant segment of your lives. Everyone tries to plan out the best possible things for them. However, life sets its own course sometimes, which may result in facing misfortune such as sudden disease, a serious accident, or an unavoidable medical procedure. To furnish your family with appropriate restorative procedures in such a situation, everyone has to get dependent on the savings. But, a great medical insurance plan can keep the savings intact. Royal Sundaram’s Master Product known as Ace Health Advantage is one of a kind medical coverage plan giving ideal health coverage at a reasonable cost.

This health insurance plan has a policy period of 1, 2 and 3 years, which can be owned by people between the age group of 91 days and 65 years. It is available in four variants as Silver Gold, Platinum and Super Platinum, where the sum insured ranges from Rs. 2 Lakh to Rs. 20 Lakh, depending on the variant chosen. The policyholders can buy this policy on an individual basis or a family floater basis. People above 60 years are needed to go through the test if they have opted for the sum insured of up to Rs. 5 Lakh and people above 45 years of age are required to undergo a pre-health checkup in case the sum insured is above Rs. 6 Lakh SI.

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Key Inclusions and Exclusions of the Plan

What's Included

  • Coverage for in-patient hospitalisation
  • Pre and post hospitalisation expenses
  • Availability of maternity expense cover
  • Ambulance charges are offered under the plan  
  • Daycare treatment and procedures are covered

What's Not Included

  • Pre-existing diseases within the waiting period
  • Treatment of obesity and weight control programs
  • Any cosmetic or plastic surgery treatment
  • Hormone replacement therapy and related
  • Cost incurred on sex change procedure

4963 Royal Sundaram Cashless Network Hospitals in India

Ace Health Advantage User Reviews

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What users are saying
  • All
  • Brilliant health plan!!

    This Ace health advantage plan is a great plan in real. The coverage and benefits of this plan can never fall short to anyone. This plan brings a huge amount of trust with it. I want to give this as a recommendation to every customer to help them get the best. 

    G
    By Gaurav Prasad
    On: Feb 17, 2020
  • Top-class plan for me.

    It is a sum of different benefits. I own this plan for more than 2 years and have been renewing it with my own choice. Its comforting, complete and delivering plan. It delivers the features from in-patient hospitalisation to daycare procedures to maternity benefits by being available at affordable rates. It’s top-notch policy.

    B
    By Bilal Khan
    On: Feb 17, 2020
  • Extra beneficial.

    This plan gave me ideal health coverage at a reasonable cost. This is not just by name, but also by its policies is a ace of playing cards. I found this plan to be a great one for its offerings. Apart from its features, it provides some additional benefits as well that is available on paying a little extra premium.

    R
    By Raman Singh
    On: Feb 04, 2020
  • Best plan for health!

    This health plan possesses multiple benefits and coverage, but some of them actually draw the attention of customers. From being an affordable plan, the policy is stuffed with several attractive offers which make it a value for money product. I trust on this plan and recommend it to everyone. 

    T
    By Tisha Sinha
    On: Feb 04, 2020
  • Delivering the best.

    To safeguard your family using relevant medical procedures during health emergency this Ace Health Advantage plan comes up as a great health insurance plan while keeping your savings intact. This is one of a kind medical coverage plan giving ideal health coverage at a reasonable cost. I am a regular customer of this plan.

    A
    By Arige Suresh
    On: Jan 21, 2020

Add-ons to Enhance Benefits

  • Contact Lens, Spectacles and Hearing Aids

    The insured person is eligible to get coverage for the cost of spectacles, contact lens, and hearing aids. The cover is applicable only on the completion of four consecutive years, which is subject to a maximum amount of Rs. 20,000 as per the terms and conditions of the plan. 
     

  • Critical Illness

    A lump sum amount is offered if the insured person gets diagnosed with an illness from the defined list of critical illnesses. The symptoms and signs of such illness should be experienced by the insured person for more than 180 days since the date of commencement of the plan. Also, the insured individual has to survive for more than 30 days from the date of diagnosis of critical illness to avail this optional cover. 
     

  • Dental Care

    The insured person is allowed to get coverage for dental care for a maximum of Rs. 15000 on the completion of two consecutive years. Under this plan, dental care procedure covers fillings and crowns, dental x-rays, non-cosmetic oral surgeries, and emergency tooth replacement.

  • Convalescence/Recovery Benefits

    A lump sum of Rs. 15000 has to be paid if hospitalisation period exceeds 15 days and only if a valid claim for hospitalisation gets admitted under this plan.

  • Hospital Cash

    For every hospitalisation of 24 hours, the daily benefit of Rs. 2000 is provided for a maximum of 30 days. This benefit follows admitted liability under hospitalisation cash benefit.

  • Accidental Death and Dismemberment Benefit

    A specific amount is payable in the occurrence of death and covered disablement due to accident. This is a global or worldwide cover which covers you across the world by paying a little extra premium.

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Royal Sundaram Ace Health Advantage Expert Review

  • Expert Review

    Ace Health Advantage policy is a unique health insurance plan that offers an extensive range of benefits to its customers. The plan is available at reasonable rates and provides optimum medical coverage under four variants. The policy is offered by Royal Sundaram General Insurance Company Limited, which is the first private non-life insurance company that got the license to operate in India. The policy possesses several key features with additional benefits that can be availed by paying a little extra premium. It is a plan that can give you complete health-related coverage at a nominal price. 
     
    People from the age of 91 days to 65 years are eligible to get covered under the Ace Health Advantage policy. It is available on an individual and family floater basis for the coverage term of 1, 2 and 3 years, which expands the reach of this plan. The plan holds a diverse range of benefits such as in-patient coverage, lifelong renewability, pre and post hospitalisation expenses, portability, maternity expenses, emergency ambulance, and so on. The policy also provides optional covers which comprise of critical illness cover, dental care, hospital cash, and so on. 

  • Major Attractions

    This plan owns multiple features and coverage benefits, but some of them actually draw the attention of customers. From being an affordable plan, the policy is stuffed with several attractive offers that make it a value for money product. Here are some beneficial offerings under this plan:

    • In-patient hospitalisation cover
    • The option of indexation is offered 
    • Master health check-up is provided 
    • Pre and post hospitalisation expenses
    • Maternity-related expenses are covered
    • Emergency ambulance costs are offered
    • Expenses incurred on daycare procedures
    • Coverage in more than 4000 network hospitals
  • What’s More?

    In addition to these features, the plan is appreciated for some of its basic elements. These components offer different types of benefits to policyholders, which enhances the utility of the plan in the actual sense. No matter how many benefits a plan offers, the absence of basic and crucial benefits can lessen its value. Here are a few significant points offered by this policy:

    • No claim discount is provided
    • 30 days of grace period is given
    • Easy portability option is offered
    • Tax benefit is offered on the premium
    • Policy period option of 1, 2 and 3 years
  • Conclusion

    The Ace Health Advantage policy is a perfect choice for individuals as well as families. It acquires every merit that can fulfill the requirement of every household such as in-patient hospitalisation to daycare treatment and from pre and post hospitalisation to maternity benefits. These features corroborate that it is a comprehensive plan which can easily look after a complete family without spending hefty premium amount. 
     
    The plan can be purchased online either from the official website of Royal Sundaram or through InsuranceDekho’s website. The latter can assist in selecting the best possible coverage plan depending on the requirement and affordability. The online process is safe, secure and simple to use. Also, the team of InsuranceDekho help their customers right from offering a plan description through the claim settlement procedure. 

Royal Sundaram Ace Health Advantage Brochure

  • 243.88 KB
  • PDF Document
  • Sep 10, 2019

Claim Process at Royal Sundaram Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 48 hours and for planned hospitalisation intimate at least 48 hours prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 48 hours and for planned hospitalisation intimate within 72 hours prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.

FAQs on Ace Health Advantage Health Insurance Plan

  • What is the sum insured amount offered under the Ace Health Advantage Plan?

    The sum insured of the plan ranges between Rs. 2 Lakh and Rs. 20 Lakh, as per the variant selected. 

  • Who all can be covered under this health plan?

    Anyone between the age group of 91 days and 65 years can be covered under this policy. 

  • Is there any optional benefit offered by the Ace Health Advantage Policy?

    Yes, different optional benefits are provided under this plan which includes Dental Care, Personal Accident (Death & Permanent Total Disablement), Critical Illness Treatment, Convalescence/Recovery Benefit, Cost of Spectacles/Contact Lens/Hearing Aid, and Hospital Cash (per day). 

  • Does this policy offer any health check-up benefit to policyholders?

    Yes, the plan gives Master Health Check-up cover for the policyholders, where Rs. 2500 is allotted under Silver and Gold variant of the plan, while Rs. 3500 under Platinum and Rs. 5000 under Super Platinum plan.

  • What is the duration of the policy period of this policy?

    The Ace Health Advantage Policy can be issued for a period of 1, 2 and 3 years. 

  • Does this policy cover the expenses of daycare treatments?

    Yes, the medical expenses for specific daycare procedures are covered under this plan.

  • Is maternity benefit offered under Ace Health Advantage policy?

    Yes, maternity expenses are covered under all the variants of the plan, except Silver variant. 

  • How many network hospitals offer cashless hospitalisation for this plan?

    Ace Health Advantage Plan provides the benefit of a cashless cover in 4000+ network hospitals tied up with Royal Sundaram.

  • What should be my health condition to get covered under this policy?

    To get covered under the Ace Health Advantage Plan, you are required to be in good health and have understood and signed the health declaration form. 

  • What would happen if I cancel the coverage of this plan?

    If you cancel the coverage, the premium would be refunded as per the grid short period scales.

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