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Royal Sundaram Amsure Master Health Insurance

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

About Royal Sundaram Amsure Master Health Insurance

Everyone goes to do every possible thing to safeguard his or her family. Choosing the best health insurance plan is one of them. In this era of surging medical prices, health policy is the only way out to cater to misfortunes such as severe accidents, critical illness, sudden illness or an unavoidable surgery. In such a situation, people fall back on their savings to give their family proper medical attention. However, Amsure Master Health Plan offered by Royal Sundaram is a great policy to opt for, which can provide coverage to your complete family. It is a unique medical insurance policy that boasts of offering optimum health coverage at reasonable rates.

The Amsure Master Health Plan offers the coverage to Self, Spouse, Dependent Children and Dependent Parents, who should be between the age group of 91 days and 65 years, under the family floater plan. Under this plan, either one of the family members or all of them together are eligible to claim up to the Sum Insured that ranges from Rs. 5 Lakh to Rs. 10 Lakh. The coverage term of the plan is 1 to 3 years, but customers with the sum insured up to Rs. 5 Lakh have to go through the medical test if they are above 55 years, while people with above Rs. 5 Lakh Sum Insured need to undergo the examination after 50 years of age.

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Key Inclusions and Exclusions of the Plan

What's Included

  • Reimbursement of health check-up expenses is given
  • Accident hospitalisation up to 50% of SI
  • Cumulative bonus is offered from 5% up to 50%
  • Cashless hospitalisation in 3000+ network hospitals
  • Ambulance charges up to Rs. 1500 per hospitalisation, overall limit of Rs. 3000 

What's Not Included

  • Expenses on vitamins and tonics unless needed 
  • Cost of preventative examinations, vaccinations, etc.
  • Hormone replacement therapy and similar therapies
  • Hospitalisation for evaluation/diagnostic purpose
  • Convalescence, general debility, run-down condition, etc.

2696 Royal Sundaram Cashless Network Hospitals in India

Amsure Master Health User Reviews

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What users are saying
  • All
  • This is a policy, which catered one misfortune of a severe accident for me. At that time I had to fall back on...

    Read More
    By Charu Goyal q
    On: Feb 18, 2020
  • There are different sort of benefits attain in this plan. It is certainly a unique health insurance policy, wh...

    Read More
    By Avin Kumar Sinha
    On: Feb 18, 2020
  • This plan is framed to look after me as well as my family members. The policy tries to offer maximum coverage ...

    Read More
    By Ratan Seth
    On: Feb 04, 2020
  • I bought this health plan as a secured investment for my life. I like this policy for different reasons such a...

    Read More
    By Abijeet Pratap Singh
    On: Feb 04, 2020
  • Amsure Master Health Plan is a great plan that is offered by Royal Sundaram. It is certainly a great policy to...

    Read More
    By Amay Mathur
    On: Jan 22, 2020

Royal Sundaram Amsure Master Health Expert Review

  • Expert Review

    The Amsure Master Health Plan is a family-centric plan, framed to cope up with medical emergencies. It provides long-term coverage to policyholders with lifelong renewability option. The plan is equipped with a wide range of features that take care of customers. The name of Royal Sundaram General Insurance Company Limited, behind the plan, increases the trust, esteem and reliability among the policyholders. This health insurance plan is offered for a period of one to three years. It offers coverage much broader than the ones offered by basic plans.  
    To begin with, the minimum entry age of this plan is 91 days, while the maximum entry age goes to 65 years. So, be it a kid or an elderly in the family, Amsure Master Health Plan gives everyone an opportunity to avail the benefits it is offering. The plan is available on family floater sum insured basis, while the premium for the family will depend upon the plan selected, the age of the eldest family member and the size of the family. The most important benefit offered by the Amsure Master Health Plan is the varied sum insured range offered under the plan that starts from Rs. 5 Lakh to Rs. 10 Lakh.

  • Major Attractions

    The Amsure Master Health Plan is an economical and advanced health insurance policy. It is built considering several factors for delivering the best possible medical care to the policyholders. It is an absolute choice for many people as it owns multiple benefits of rewarding the insured for being healthy. The major benefits in the list comprise of:

    • Any expenses incurred towards in-patient hospitalisation
    • Floater cover is available for self, spouse, dependent children and dependent parents
    • Accident hospitalisation benefit is offered for up to 50% of the SI
    • Pre-existing diseases are covered with a waiting period of 3 years
    • Availability of Cumulative Bonus benefit from 5% up to 50% of the SI
    • Health check-up is reimbursed after every 4 consecutive claim-free years
    • Hospital cash of Rs. 1000 is given for each completed 24 hours of hospitalisation
    • Pre and post hospitalisation expenses for 30 days and 60 days are covered, respectively 
  • What’s More?

    The offering of the plan doesn’t cease here, and it has much more to offer. Here are some more benefits available under the Amsure Master Health Plan:

    • Cashless hospitalisation offered in 3000+ network hospitals 
    • 15 days free look period is given
    • Grace period provision is available
    • Tax benefit is offered on the premium
    • Policy period option of 1, 2 and 3 years
  • Conclusion

    Going through the features, plan coverage and other common elements of the Amsure Master Health Plan, it can be concluded that one should go ahead with this investment to secure his/her family financially and medically if any medical emergency arises in the future.
    It is always suggested to opt for a health insurance plan through an online mode to speed up the policy issuance process. By choosing the policy online, transparency is easy to maintain as well. Choosing InsuranceDekho for buying the plan would be a prudent choice to make, as it ensures the customers of delivering claim settlement support, comparison of plans, clearing plan-related doubts and all several other benefits. 

Royal Sundaram Amsure Master Health Brochure

  • 372.38 KB
  • PDF Document
  • Sep 16, 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 Amsure Master Health Health Insurance Plan

  • What is the sum insured offered under Amsure Master Health Plan?

    The sum insured amount offered under this plan ranges from Rs. 5 Lakh to Rs. 10 Lakh.

  • Who all can get coverage under this health insurance plan?

    The plan allows the coverage of Self, Spouse, Dependent Children and Dependent Parents.

  • Is there any bonus offered under the Amsure Master Health Plan?

    Yes, a cumulative bonus is offered under this health insurance plan. Under this plan, the sum insured is increased by 5% in respect of every claim-free year, subject to a maximum accumulation of 10 slabs. Where a claim has arisen under the expiring policy, the earned cumulative bonus, if any, in respect of such insured person shall be reduced by the last 1 slab of cumulative bonus.

  • Does Amsure Master Health Plan cover the expenses of daycare procedures?

    Yes. Under this plan, the insured members are provided with the medical expenses for daycare procedures that require hospitalisation of fewer than 24 hours, but the plan does not cover the cost incurred in the out-patient treatment.

  • What is the policy period offered under the Amsure Master Health Plan?

    The Amsure Master Health Plan is available with the policy period of 1 to 3 years. 

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