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Royal Sundaram Health Insurance for Maternity

Family Plus Plan from Royal Sundaram is a comprehensive health insurance plan that is offered to the customers at an affordable premium. The highlight of the plan is that it provides maternity cover for up to 2 deliveries (under certain conditions). Designed especially for large families, the plan offers several benefits to the policyholders. Every individual covered under the plan can enjoy the benefits of the plan individually or jointly also, as the plan is available in both individual and family floater options.

Key Features

  • 19 different relationships can be covered under the plan
  • The plan is available on an individual as well as family floater basis
  • Sum insured options on an Individual basis- Rs. 2 Lakh, Rs. 3 Lakh, Rs. 5 Lakh, Rs. 10 Lakh, and Rs. 15 Lakh
  • Sum insured options on Family Floater basis-Rs. 3 Lakh, Rs. 4 Lakh, Rs. 5 Lakh, Rs. 10 Lakh, Rs. 15 Lakh, Rs. 20 Lakh, Rs. 25 Lakh, and Rs. 50 Lakh
  • Reload benefit is provided
  • The base sum insured has to be same for all the family members
  • Provides coverage for all day care procedures
  • No Claim Bonus is provided

Scope of Coverage

  • Cover for maternity is provided
  • Nutritional allowance for the mother after discharge post delivery
  • In-patient hospitalisation expenses are covered
  • All day care procedures are included in the plan
  • The second opinion is provided for diagnosis
  • Cover for emergency domestic evacuation is provided for up to Rs. 1 Lakh
  • Expenses for vaccination in case of an animal bite are covered for up to Rs. 5,000
  • All day care procedures are covered


Any person more than 18 years of age can be the proposer of the plan. There is no limitation on the maximum entry age.


  • Any injury due to unlawful activity
  • Treatment from any unrecognised hospital or Physician
  • Diseases caught by the insured within the initial 30 days of the commencement of the policy
  • Cataract, End Stage Renal Failure/Chronic Renal Failure, Hip or Knee Replacement, Benign Prostatic Hypertrophy
  • Pre-existing diseases are not covered until 36 months of continuous policy coverage. There should not be any gap in the renewal of the policy

Read the policy wording for in-depth knowledge about the product. You may also call us at 1800 1205 698.

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Health Insurance News


  • How much coverage is offered under the maternity covering plan

    Maternity Benefit covers for up to 2 deliveries if 2 adults are covered under the same family floater policy including newborn baby cover and vaccination for the newborn in the first year.

  • At what age can a newborn baby get the coverage under the maternity plan?

    The newborn baby can be covered under the plan providing maternity coverage, only post 91 days of his or her birth. 

  • Is any nutritional allowance offered under Royal Sundaram maternity coverage plan?

    Yes, nutritional allowance is provided for mother post discharge after the delivery.

  • What is the actual benefit one can avail by having a maternity coverage plan?

    The maternity coverage policy covers the expenses 30 days prior to hospitalisation and 60 days post-hospitalisation. When there is a maternity cover in your health insurance policy, then you do not have to worry pertaining to the expenses while choosing the hospital or nursing home for delivery. This thing makes a lot of difference especially in case of unforeseen situations when you want the best possible doctors to attend you and your newborn baby.

  • Who should buy a Royal Sundaram maternity health insurance plan?

    Anyone who plans to have a baby should buy a maternity insurance policy long before long before. This is because maternity insurance plans come with a waiting period, only after which the coverage can be offered. Anyone aged at least 18 years can be covered under this policy. The good news is that there is no maximum age limit to be covered under this policy.

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