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Royal Sundaram Arogya Sanjeevani Health Insurance

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Royal Sundaram Health Insurance
Arogya Sanjeevani Policy
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 Arogya Sanjeevani Health Insurance

Arogya Sanjeevani Policy offered by Royal Sundaram General Insurance is a new health-cover solution for your family. It is a standard individual health insurance policy which provides coverage for medical treatment for illnesses and injuries requiring in-patient hospitalization. This medical insurance policy provides cover for modern treatment and procedures at an affordable health insurance premium price. It also covers the costs of hospitalization treatment on account of infectious diseases. All in all, the policy aims at protecting the financial and emotional stability of people during any sort of unfortunate medical emergency. This indemnity-based plan offers multiple premium payment modes such as monthly, quarterly, half-yearly, and yearly for the convenience of its policyholders.

Offered for a policy period of 1 year, the Royal Sundaram Arogya Sanjeevani Policy provides superior health protection to any individual between the age range of 3 months up to 65 years. Easily available on an individual sum insured or family floater sum insured basis, it offers a sum insured range that lies between Rs. 1 Lakh up to Rs. 5 Lakh. Talking about coverage, the policy covers expenses incurred on hospitalization, in-patient care treatment for AYUSH, pre-hospitalisation, post-hospitalization, cataract treatment, and all daycare procedures. Moreover, it also allows you to avail of tax benefits under Section 80D of the Income Tax Act.

Read more: Arogya Sanjeevani Policy

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Key Inclusions and Exclusions of the Plan

What's Included

  • In-patient care treatment for AYUSH, up to sum insured
  • Road ambulance expenses for Rs. 2,000 per hospitalization
  • Cover for day care procedures available up to the sum insured
  • Coverage for cataract surgery expenses under the plan, subject to a certain limit
  • Expenses incurred on pre & post-hospitalisation for 30 and 60 days respectively
  • Coverage available for dental treatment due to disease or injury

What's Not Included

  • Surgical treatment expenses of obesity that don’t fulfill specific conditions
  • Treatment expenses due to hazardous or adventure sports participation
  • Expenses incurred on cosmetic or plastic surgery unless due to an accident or disease
  • Expenses incurred on the treatment related to change of gender
  • Admission for Rest Cure, rehabilitation and respite care are also not covered
  • No coverage for admission for investigation and evaluation under the policy

4963 Royal Sundaram Cashless Network Hospitals in India

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Royal Sundaram Arogya Sanjeevani Policy Brochure

  • 182.84 KB
  • PDF Document
  • Apr 17, 2020

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 Arogya Sanjeevani Policy Health Insurance Plan

  • Can I avail cashless treatment under Arogya Sanjeevani Policy, Royal Sundaram?

    Yes, you can cashless treatment under this policy.

  • Who in my family can I get covered under Arogya Sanjeevani Policy, Royal Sundaram?

    The policy allows coverage for self and family members. So, you can get your legally wedded spouse, parents, parents- in-law, and dependent children (whether natural or legally adopted) between the age 3 months to 25 years covered apart from yourself under this policy. Note that in case, your child, above 18 years is financially independent, he or she won’t be covered.

  • How vast is the sum insured range under Arogya Sanjeevani Policy, Royal Sundaram?

    For this policy, the sum insured range includes options such as Rs. 1 Lakh, 1.5 Lakh, Rs. 2 Lakh, Rs. 2.5 Lakh, Rs. 3 Lakh, Rs. 3.5 Lakh, Rs. 4 Lakh, Rs. 4.5 Lakh, and Rs. 5 Lakh.

  • What are the modern treatment covered under Arogya Sanjeevani Policy, Royal Sundaram?

    Under this policy, you can avail coverage for procedures like Uterine Artery Embolization and HIFU, Oral chemotherapy, Deep Brain stimulation, Balloon Sinuplasty, Immunotherapy, Robotic surgeries, Stereotactic radio surgeries, Intra vitreal injections, Bronchial Thermoplasty, Stem cell therapy, IONM - (Intra Operative Neuro Monitoring), and Vaporisation of the prostrate, up to 50% of the sum insured.

  • Will Arogya Sanjeevani Policy, Royal Sundaram provide me cover for cataract treatment?

    Yes. Under this policy, you can avail cataract treatment. However, note that it comes with a sub-limit of 25% of the sum insured or Rs. 40,000, whichever is lower, per eye, in one policy year.

     

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