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Royal Sundaram Health Forever Health Insurance

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Royal Sundaram Health Insurance
Health Forever
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 Health Forever Health Insurance

Health is wealth, and its actual value is realised during a medical emergency. Hence, investing in medical insurance plans is an act of prudence as well as the need of the hour. Health Forever Plan by Royal Sundaram General Insurance assists in getting fast and effective treatment in different hospitals for you and your family without draining your savings or borrowing money from friends and relatives. The term duration of this plan is one to two years. The plan is specially framed to provide comprehensive protection to you and your dependents who own a legal relationship with you.

The plan offers a wide range of sum insured from Rs. 1 Lakh to Rs. 5 Lakh to cover the people within the age group of 91 days to 75 years. However, the proposer of the plan should be at least of 18 years. Under this plan, family denotes self, spouse and dependents who bear legal relation to the proposer. In addition to providing several features and benefits, the plan has no exit age and can be renewed continuously subject to the payment of the premium within the grace period. To get covered under this plan, you need to be in good health, required to understand the health declaration form before signing it.

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Key Inclusions and Exclusions of the Plan

What's Included

  • Option of cashless hospitalisation is offered 
  • Critical Illness Benefit is available under the plan
  • Cumulative Bonus is given for every claim-free year 
  • Convalescence benefit of Rs. 15,000 is paid in a lump sum
  • Hospital daily cash benefit up to the extent of Rs. 150 per day

What's Not Included

  • Expenses on vitamins and tonics unless needed 
  • Cost of preventative examinations, vaccinations, etc.
  • Hormone replacement therapy and similar therapies
  • Treatment for psychiatric and psychosomatic disorders 
  • Hospitalisation for evaluation/diagnostic purpose

4963 Royal Sundaram Cashless Network Hospitals in India

Health Forever User Reviews

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What users are saying
  • All
  • Affordable and Reliable!

    I have been using this plan for more than 2 years. This fits to my needs very well. My family and I are quite satisfied with this health insurance policy. There is a perfect sense of relief that with this plan. It is a reliable as well as affordable scheme to invest in.     

    By Manish Dayal
    On: Feb 18, 2020
  • Magnificent policy.

    Under this plan I found great benefits, coverage and rewards to allure. The best part of this plan is its price. It is very economical scheme. I got to know about this plan from, where they gave me suggestion to go for this plan with their knowledge and I found it accurate. 

    By Shantanu Rao
    On: Feb 18, 2020
  • Complete Protection!

    This plan assisted me in gaining swift, efficient and effective treatment in different hospitals for my family. This helped me get treated without letting my savings go drained. With a term duration of one to two years, it is designed to deliver complete protection. Go for it without hesitation. 

    By Esha Mittal
    On: Feb 04, 2020
  • Value for money deal!

    This Health Forever plan is a definition of trust. This is an ideal plan for each and every family and individual. After analysing all the significant elements of this plan, I have concluded it as a scheme which is good to go for. It is an economic driven policy that covers almost all health care needs.  

    By Shikhar Aggarwal
    On: Feb 04, 2020
  • Helped me a lot.

    It is a great plan that is equipped with several benefits. I have been using this policy for a long period of time. This plan has assisted me in getting fast and effective treatment in various hospitals without letting my savings go drain or borrowing money from anyone.

    By Subodh Godbode
    On: Jan 22, 2020

Royal Sundaram Health Forever Expert Review

  • Expert Review

    The Health Forever Plan, as its name denotes, is designed to provide long-term coverage to people. The policy offers a wide range of sum insured to cover a complete family without any hassle. The plan is affordable and owns multiple benefits for customers. As the plan is provided by Royal Sundaram General Insurance Company Limited, which is the first private non-life insurance company that got the license to operate in India, it enhances the reliability and trust among the customers.  
    The plan covers everyone who falls within the age range of 91 days to 75 years. It is issued to individuals for covering their families for the policy period of 1, 2 and 3 years. The plan provides an extensive array of benefits that is valid to be covered within India only. The plan holds a quick and easy enrollment process and requires a medical examination for persons above 60 years of age. If any policyholder cancels the policy, the premium amount would be refunded as per the grid short period scale.

  • Major Attractions

    The Health Forever Plan holds various attractive benefits that are constantly delivering ultimate care to everyone. The policy functions with a comprehensive approach due to which it tries to deliver different features to its customer. Here are some components of the plan which have become its attraction point:

    • In-patient hospitalisation cover
    • Critical Illness benefit is offered
    • Coverage for pre-existing diseases 
    • ICU benefit is given under the plan
    • Hospital Cash benefits are provided 
    • Availability of convalescence benefit
    • Coverage in 3000+ network hospitals
  • What’s More?

    In addition to attractive benefits, the Health Forever Plan is acknowledged for some of its extra components. These components not just enhance the value of the plan but also deliver exceptional comfort and ease to the customers. Here are a few significant elements offered under this plan:

    • Cumulative bonus is provided
    • 15 days free look period is given
    • Grace Period provision is available
    • Tax benefit is offered on the premium
    • Policy period option is of 1, 2 and 3 years
  • Conclusion

    The Health Forever Insurance Policy is a suitable plan for every family and individual. After going through all the salient features and benefits of this health insurance plan, it can be considered a policy good to go for. It is an economic driven plan which covers almost all the health care needs of you and your family.

    As you are now aware of major segments and offerings of the plan, it becomes crucial to find out the right platform for buying it. This policy can be bought easily from a trusted health insurance broker known as InsuranceDekho. It doesn’t just deliver transparency but also provide you with the best suggestions. It also provides assistance on various factors such as type of plan to buy, claim settlement procedure, and so on. 

Royal Sundaram Health Forever Brochure

  • 736.12 KB
  • PDF Document
  • Sep 13, 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 Health Forever Health Insurance Plan

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

    The sum insured amount offered under this policy is limited between Rs. 1 Lakh and Rs. 5 Lakh.

  • What should be my age to get coverage under this plan?

    To get covered under this plan, your age must be between 91 days and 75 years.

  • Is there any critical illness benefit offered under the Health Forever Plan?

    Yes, critical illness benefit is offered under this policy. Under this benefit, a lump sum benefit of Rs. 15000 is payable, if the person is diagnosed as well as treated for any major illness such as stroke, cancer, organ transplant, or coronary artery bypass graft (CABG). This critical illness benefit is payable from the 2nd year of the plan and is applicable to be paid only once in the whole life of the insured member per illness.

  • Does Health Forever Plan offer any bonus to its policyholders?

    Yes, a cumulative bonus is provided by Health Forever Plan. Under this, the Sum Insured for hospitalisation benefit is increased by slabs of 15% for every claim-free year, subject to a maximum of 4 slabs. In case of a claim under the policy, the earned bonus will be reduced by 1 slab.

  • What is the coverage term of Health Forever Plan?

    The Health Forever Policy can be issued for different policy periods such as 1, 2 and 3 years. 

  • Is there any discount offered under this health insurance plan?

    Yes, a family discount of 10% is allowed for covering 3 or more members. The discount offered will be withdrawn on renewal if the no.of members covered is less than 3. 

  • Does Health Forever Plan offer convalescence benefit?

    Yes, Health Forever Plan offers convalescence benefit. Under this benefit, if the period of hospitalisation exceeds consecutive 15 days, a lump sum amount of convalescence expense of Rs. 15,000 is given. 

  • What should be my health condition to get covered under this policy?

    To get covered under the Health Forever Policy, you are required to be in good health, have understood and signed the health declaration form. 

  • How many network hospitals offer cashless hospitalisation for this plan?

    Health Forever Plan provides the benefit of cashless cover in 3000+ network hospitals tied up with Royal Sundaram. 

  • How much tax benefit can I earn out of this plan?

    The plan allows the earning of tax benefits as per the section 80D of the IT Act up to Rs. 25,000 for the premium amount paid for self, spouse and dependent kids. For dependent parents the additional tax rebate up to Rs. 30,000. For premium paid for senior citizens, the tax benefit is up to Rs. 50,000.

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