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Royal Sundaram Critical Illness Lumpsum Health Insurance Wordings

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Highlights
Claim Settlement Ratio82%
COVID-19 CoverYes
In-House Claim SettlementAvailable
Network Hospitals5,000+
Policies Sold1,85,450
RenewabilityLifelong

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Royal Sundaram Critical Illness Lumpsum Brochure

  • 256.08 KB
  • PDF Document
  • Sep 25, 2019

Royal Sundaram Health Insurance Plan List

    Name of PlanSum Insured
    Corona Kavach PolicyMin: 1 Day; Max: 65 Years50,000 - 5 lakh Get Quotes Now
    Arogya Sanjeevani PolicyMin: 3 Months; Max: 65 Years 1 Lakh - 5 Lakh Get Quotes Now
    Family PlusMin: 91 Days; Max: No Limit2 Lakh Get Quotes Now
    LifelineMin: 91 Days; Max: No Limit2 Lakh Get Quotes Now

    Royal Sundaram Health Insurance Top Up List

      Name of PlanSum Insured
      LifelineMin: 91 Days; Max: No Limit2 Lakh Get Quotes Now

      1550 Royal Sundaram Cashless Network Hospitals in India

      FAQs on Critical Illness Lumpsum Health Insurance Plan

      • What is the range of the sum insured amount offered under this plan?

        The sum insured amount under the Critical Illness Lumpsum Plan ranges between Rs. 25,000 and Rs. 25 Lakh.  

      • Who all can get the coverage under the Critical Illness Lumpsum Plan?

        The Critical Illness Lumpsum Plan policy is available on an individual basis but allows family members to get covered under it that includes Self, Spouse, Dependent Children, Dependent Parents and other Dependent members who hold any legal relationship with the Proposer.

      • What is the age eligibility offered under this health insurance plan?

        The eligible age of entry under this policy ranges from 91 days to 65 years.

      • When does the coverage term end under the Critical Illness Lumpsum Plan?

        The coverage term ends with the end of the policy period only unless renewed.

      • Does this plan cover the expenses of medical examination?

        Yes, the insurer bears 50% & 100% expenses incurred on the medical examination for 1 year policy and more than 1 year policies respectively. 

      • How many critical illnesses are covered under this plan?

        This Critical Illness Lumpsum Plan offers coverage for 9 critical illnesses. 

      • What are the diseases or illnesses which are covered under the Critical Illness Lumpsum Plan?

        The critical or major illnesses which are covered under this plan comprise of:
        1. Open Chest CABG
        2. Third Degree Burns
        3. Cancer of Specified Severity
        4. Major Organ/Bone Marrow Transplant
        5. First Heart Attack of Specified Severity
        6. Kidney Failure requiring Regular Dialysis
        7. Stroke Resulting in Permanent Symptoms
        8. Multiple Sclerosis with Persisting Symptoms
        9. Open Heart Surgery for Replacement or Repair of Heart Valves

      • Does the Critical Illness Lumpsum Plan offer lifelong renewability option?

        Yes, the feature of lifelong renewability is available under the Critical Illness Lumpsum Plan. 

      • Is any discount offered under the Critical Illness Lumpsum Plan?

        The discount of 2% and 2.5% is given on the purchase of policies with 2 years and 3 years tenure.

      • Can I gain any tax benefit with this health insurance plan?

        This Critical Illness Lumpsum Plan is approved by IRDAI and its premium amount is applicable to get an exemption from income tax as per the section 80D, subject to the relevant provisions of the Income Tax Act 1961.

      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.

      Royal Sundaram Health Insurance Contact Details

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