Royal Sundaram Family Plus Health Insurance Wordings

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.

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.

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.

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.