Royal Sundaram Health Forever Insurance Wordings

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

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.

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.

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

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 The discount offered will be withdrawn on renewal if the no.of members covered is less than 3. 

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. 

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

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

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.