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Royal Sundaram Family Plus Health Insurance

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Royal Sundaram Health Insurance
Family Plus
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 Family Plus Health Insurance

Royal Sundaram Family Plus is a comprehensive family floater health insurance plan. This medical insurance plan covers even extended family members under the same plan. Up to 19 relationships can be covered under the plan. Another unique feature about the plan is that the sum insured for family members is allowed both on an individual basis as well as on floater basis. Every individual member covered under the plan can, therefore, enjoy coverage individually as well as jointly.

The individual sum insured ranges from Rs. 2 Lakh to Rs. 15 Lakh while the floater sum insured ranges from Rs. 3 Lakh to Rs. 50 Lakh. The plan also allows accelerated no claims bonus wherein the sum insured increases by 20% every claim-free year and doubles in five consecutive claim-free years. There is no maximum entry age and individuals of all ages can buy the plan for themselves as well as for their families.

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Key Inclusions and Exclusions of the Plan

What's Included

  • Sum insured restoration for up to 100% of the original sum insured
  • AYUSH treatments
  • Maternity expenses, new born baby cover, vaccination expenses in the first year and nutritional allowance for the mother
  • Free annual health check-ups
  • Second opinion for 11 covered critical illnesses

What's Not Included

  • Pre-existing illnesses are not covered in the first 36 months of buying the policy
  • Diseases suffered within the first 30 days of buying the policy are not covered
  • Adventure or hazardous sports and the consequent medical complications suffered
  • Treatment for addictive conditions and disorders
  • Sexually transmitted diseases, HIV or AIDS

4963 Royal Sundaram Cashless Network Hospitals in India

Family Plus User Reviews

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What users are saying
  • All
  • Reliable Partner for Health

    InsuranceDekho has become a reliable partner in safeguarding my family's health. The Royal Sundaram- Family Plus that I bought from their online website is clear, and they offer a wide range of options. I trust them with our most important asset – our health.

    By Vini Chopra
    On: Sep 21, 2023
  • Best Health Protection Plan

    The Royal Sundaram- Family Plus is recommendable! I bought this plan from InsuranceDekho after taking the advice of their experts. And, I am happy that they suggested me this plan because the benefits covered under this plan are marvelous. Even I claimed my policy recently, and it was settled without any hassle.

    By Chirag Thakkar
    On: Jun 26, 2023
  • No worry plan.

    I say can with my experience of using this plan that this is the best health plan a family can get. It suit my extended family where 7 to 8 relationships exist due to its policy of coverage for 19 relations. This is a plan, which never let me worry.

    By Ishaan Srivastava
    On: Feb 17, 2020
  • Highly recommended

    It performs on a motto to offer many value-added services to its policyholders. Besides giving these, some optional options or add-on covers are given too with the scheme for getting the coverage extended anytime. This scheme is stuffed with several features and fast claim-settlement services. I recommend this to everyone. 

    By Natasha Saini
    On: Feb 17, 2020
  • A complete plan..

    From coverage to claim settlement, this plan has given me everything. I bought it for my family and enjoyed it to the fullest. There are many benefits stuffed under this plan. It can give the coverage for up to 19 relationships and that too with no maximum entry age to make it a plan for an entire family. 

    By Toshi Shaw
    On: Feb 04, 2020

Add-ons to Enhance Benefits

  • Hospital cash benefit

    Hospital cash benefit of INR 2000 per day of hospitalisation if the insured is hospitalised for more than 2 consecutive days. The benefit is available as an optional benefit. Maximum payment of benefit would be for up to 30 days.

Royal Sundaram Family Plus Expert Review

  • Expert Review

    Family plans are special. They are designed in a manner to please almost everybody and that too at an affordable rate. Royal Sundaram’s Family Plus plan provides eminent offerings which provide care for all. The plan is framed to suit the needs of large families and provides coverage to around 19 different relations. This plan protects the family from any unforeseen medical emergency, and any monetary crunch arising from it.  

    Family Plus Health Insurance Plan is a unique combination of an individual as well as a family floater option in the same policy. Insured individuals are gifted with an extensive range of coverage with the sum insured option up to Rs. 15 Lakh for individuals and up to Rs. 50 Lakh for families. The plan can be taken by people above 18 years of age only, where children can be covered from the 91st day of birth. 

  • Major Attractions

    The policy has several notable highlights, which provides the surety to offer the most comprehensive coverage. This plan functions on a motto to provide with as many value-added services as possible to appease the customers. In addition to this, some optional covers or add-on options are also stuffed in the scheme for getting the coverage extended anytime. Inclusions of the plan are listed with the features like in-patient hospitalisation, pre and post -hospitalisation cover, and so on. However, here are some other attractive elements of the plan:

    • Ambulance cover is offered
    • Provision of the second opinion for critical illness
    • Availability of emergency domestic evacuation
    • Coverage for maternity and newborn is available   
    • The cost incurred on the health check-up is covered
    • Hospitalisation expense for Ayush treatment is covered
    • Preventive health care and wellness option is provided
    • Reloading of the sum insured up to the base sum insured
    • Coverage for vaccinations for newborn baby in the first year
    • Domiciliary hospitalisation cover is provided up to the sum insured
  • What’s More?

    Besides, excellent offerings, Family Plus Health Insurance Plan owns a variety of lucrative benefits for the policyholders. The policy offers much more discounted features and reward options than many other insurers and their health insurance policies. Following are the additional benefits available under the policy:

    • The option of lifelong renewability
    • Option to get your base sum insured increased by 20%, maximum up to 100%
    • A discount of 15% on the premium amount for non-metro cities
    • Tax benefit on the premium paid as per section 80D of the IT Act
  • Conclusion

    These are the most popular components of this plan. With these many beneficial elements, it becomes quite easy to evaluate the plan as one of the best family plans in the health insurance market.  

    The health insurance plans need to be understood in detail before the purchase. Hence, it is always recommended to purchase a plan from where you can get all your doubts cleared before and after the purchase. is one of the most preferred options for the health insurance plan purchase. It not only provides information about the plan but also helps you in understanding it thoroughly. Also, InsuranceDekho team’s assistance doesn’t stop at the sale of the policy, but they even assist their customers at the time of claim settlement process.

Royal Sundaram Family Plus Brochure

  • 227.88 KB
  • PDF Document
  • Jun 06, 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 Family Plus Health Insurance Plan

  • What is the coverage duration for pre and post hospitalisation expenses?

    Pre hospitalisation expenses are covered for up to 60 days and post hospitalisation expenses are covered for up to 90 days.

  • What are the limits on maternity coverage?

    Up to two deliveries are covered under the plan and the limit per delivery is Rs. 50,000. New born baby cover would be available up to the base sum insured of the mother. Vaccination expenses of the new born baby would be covered for the first year up to a maximum of Rs. 10,000. Nutritional allowance for the mother would be available for up to Rs. 10,000.

  • What is domiciliary hospitalisation?

    Hospitalisation which is taken at home is called domiciliary hospitalisation. This type of hospitalisation is covered if the insured was in no condition to be moved to a hospital or if there was no hospital bed for accommodating the insured. Domiciliary hospitalisation is usually covered if such hospitalisation exceeds 3 days.

  • Are there any premium discounts?

    Yes, a discount of 15% on the premium is allowed if the insured lives in a non-metro city of India. Moreover, if a 2-year policy is bought, a discount of 7.5% is allowed and if a 3-year policy is bought a discount of 12% is allowed.

  • What is the second opinion coverage?

    The plan covers 11 critical illnesses. If the insured suffers from any of the covered illness, the plan arranges for a medical second opinion free of cost with the company’s empanelled doctors.

  • Is medical check-up necessary when buying the policy?

    Medical check-up is necessary if the insured’s age is 50 years and above and/or the insured has opted for an aggregate coverage of Rs. 10 Lakh and above. Moreover, if there is any medical complication which the insured suffers from, a medical check-up would be required.

  • What are the coverage tenure options available?

    The plan is available for a period of 1-3 years.

  • Can the insured switch hospitals during treatments?

    Yes, the plan allows coverage for changing hospitals during treatment in case of life threatening situations. Coverage is allowed for up to Rs. 1 Lakh for the costs incurred in changing hospitals.

  • Is an additional premium payable for opting hospital cash benefit?

    Yes, an additional premium would be payable if the insured wants to choose the hospital cash benefit coverage.

  • What value-added services are provided by the plan?

    The plan offers health and wellness related services like health articles, health tracking tool, doctors on call, etc.

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