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Royal Sundaram Hospital Benefit Plus Health Insurance

184 reviews Rate This
Royal Sundaram Health Insurance
Hospital Benefit Plus
Claim Settlement Ratio98.60%
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 Hospital Benefit Plus Health Insurance

Hospital Benefit Plus Plan by Royal Sundaram General Insurance Company Limited is a smart policy which empowers the policyholders to defeat the heat of medical inflation with many of its benefits. This medical insurance policy is specially designed to provide complete protection to families. The cashless treatment under this policy is available at more than 3,000+ network hospitals across the nation. This health insurance policy is divided under 4 variants, which are known as Silver, Gold, Platinum, and Diamond. Under these variants, various key benefits are offered such as Hospital Confinement Benefit, ICU Benefit, Convalescence Benefit and so on.

The age eligibility to get covered under this plan lies between the age of 1 year and 70 years at the commencement date of the health policy. One can cover his or her family members that may include Self, Spouse, Dependent Kids, and Dependant Parents. This Hospital Benefit Plus Plan is available with a coverage term of 1 year and requires no medical examination to get coverage. In addition to delivering benefits, the policy offers a No Claim Bonus as well where the sum insured amount under the Personal Accident benefit shall be increased by 5% for every claim-free year, subject to a maximum of 25%.

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Key Inclusions and Exclusions of the Plan

What's Included

  • Convalescence Benefit is provided
  • Hospital Confinement Benefit is offered
  • No medical examination required for any age
  • No Claim Bonus for every claim-free year is given
  • 10% for covering 3 or more Insured in a single policy

What's Not Included

  • Expense incurred on hormone replacement therapy
  • Treatment of psychiatric, mental conditions, insanity
  • Stay in a hospital for any domestic reason
  • Any unnecessarily conducted medical procedure
  • Any cosmetic, plastic or aesthetic surgery

13385 Royal Sundaram Cashless Network Hospitals in India

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Hospital Benefit Plus User Reviews

4.6
Rating based on
184 User reviews
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What users are saying
  • All
  • Very beneficial plan!

    This Hospital Benefit Plus Plan is a perfect plan. I found that this has neglected the probability of any monetary crisis during the hospitalisation. It gave me regular financial assistance on getting hospitalised for a specific duration. That’s why I consider this plan for admission. This is certainly a benefit for me.

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    B
    By Beena Sabarwal
    On: Feb 20, 2020
  • Look good to me!

    After using this policy for more than a year. I bought this plan from insurancedekho.com, where they gave me the best possible plan which is this. It is a plan which is very much impressive and reliable. After examining all its features and benefits, I can ensure that this plan looks good to me. 

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    N
    By Naresh Aggarwal
    On: Feb 20, 2020
  • A plan of benefits!

    I must say, the insurancedekho team and this plan, both are setting a great example for customers like me. I am getting right suggestion as well as right plan at the right price. I can just say that this plan has delivered only plus points and none negatives. It is a good to go policy. 

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    C
    By Chandan Seth
    On: Feb 05, 2020
  • Very bad plan!

    I bought this plan with a lot of hopes, but all got shattered. I am unable to receive any benefit out of this plan. Yes, it is a bit economical but when I needed cashless claim during an emergency they declined my request in the mid-way giving irrelevant reasons. This is a totally unreliable plan. 

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    N
    By Neha Kaushik
    On: Feb 05, 2020
  • Helping product.

    This plan eased my stay in hospital by offering me daily benefits for different medical conditions. It gave me a coverage of 1 year and allowed me the coverage for different family members such as Spouse, Dependent Children and Dependent Parents. The policy brought immense relief for me and my family.

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    M
    By Manohar Singh
    On: Jan 22, 2020
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Royal Sundaram Hospital Benefit Plus Expert Review

  • Expert Review

    The Hospital Benefit Plus Plan eases your stay in hospital by providing daily benefits for different medical conditions. The plan owns a coverage of 1 year and allows the coverage of different family members such as Spouse, Dependent Children and Dependent Parents. The policy brings immense relief to policyholders by offering ICU Benefit, Convalescence Benefit, Hospital Confinement Benefit, Accidental Death and Dismemberment benefit and so on. These benefits are offered on a daily basis to policyholders during hospitalisation. 

    People falling between the age group of 1 year and 70 years are eligible to have this plan. Apart from this extensive coverage, it also requires no medical examination for people of any age, which shows a simple procedure of entry in the plan. The plan offers a discount of 10% for covering 3 or more insured in a single policy and No Claim Bonus (NCB) option where the Sum Insured amount under the Personal Accident benefit shall be increased by 5% for every claim-free year, subject to a maximum of 25%. These many benefits confirm this policy to be a beneficial choice for all. 

  • Major Attractions

    The Hospital Benefit Plus Plan is equipped with plenty of offerings to impress and attract customers. Here are some of them:

    • No Claim Bonus is offered 
    • 1 year coverage term is given
    • Sum Insured up to Rs. 10 Lakh
    • The option of ICU Benefit is given 
    • Convalescence Benefit is provided
    • No Medical Examination is required 
    • Accidental Death and Dismemberment
    • Hospital Confinement Benefit is available

  • What’s More?

    The commitment and dedication of the Hospital Benefit Plus Plan doesn’t end with the offering of key benefits. It delivers the following features that bring a bit more appreciation for it. 

    • Free-look period of 15 days is given
    • A grace period of 30 days is offered
    • Premium would be refunded on cancellation
    • Family Discount of 10% for covering 3 or more members 
    • Tax deduction under Section 80D of Income Tax Act, 1961

  • Conclusion

    The Hospital Benefit Plus Plan can eliminate the possibility of any financial crunch during the hospitalisation. It provides a constant monetary help on staying in a hospital for a particular period which makes it a perfect policy for hospitalisation.

    Do buy this policy online and enjoy easy and simple process. InsuranceDekho is the best place to make a purchase for this plan. It gives you complete detail of the plan and assist you in understanding and using it too.   

Royal Sundaram Hospital Benefit Plus Brochure

  • 307.30 KB
  • PDF Document
  • Sep 26, 2019
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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 Hospital Benefit Plus Health Insurance Plan

  • What is the entry age to get coverage under this health insurance plan?

    The age at the time of entry under this plan should be between 1 year and 70 years.

  • Who else can find coverage under this policy with the proposer?

    The proposer along with self can cover his or her family members that comprise of Spouse, Dependent Children and Dependent Parents.

  • How much sum insured is offered under the Hospital Benefit Plus Plan?

    The sum insured amount under this policy ranges between Rs. 5 Lakh and Rs. 10 Lakh.  

  • Do I need to go through any medical examination to get this policy?

    No, there is no medical examination required for any age to get this health insurance plan. 

  • Is there any discount provided under the Hospital Benefit Plus Policy?

    Yes, a discount of 10% is offered for covering 3 or more insured persons in this single health insurance policy. 

  • When does the coverage term of this plan end?

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

  • Does the Hospital Benefit Plus Policy offer No Claim Bonus feature?

    Yes, the insurer gives the option of No Claim Bonus (NCB) under which the Sum Insured under the Personal Accident benefit shall be increased by 5% for every claim-free year, subject to a maximum of 25%.

  • What are the key benefits offered under this health plan?

    The key benefits available under the Hospital Benefit Plus Plan include Hospital Confinement Benefit, ICU Benefit, Convalescence Benefit, Accidental Death and Dismemberment and so on.

  • Can there be a reduction in the benefits offered?

    Yes, benefits payable are lessened by half for the first 10 days of hospital confinement subject to dependent children up to 18 years and insured persons with more than 60 years of age.

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

    Yes, the Hospital Plus Plan is divided under 4 variants, which are known as Silver, Gold, Platinum, and Diamond plans with different sum insured options, features and coverage benefits under each. 

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