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Royal Sundaram Secure All Health Insurance

183 reviews Rate This
Royal Sundaram Health Insurance
Secure All
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 Secure All Health Insurance

We live life for our family, and their health is our priority. But, sometimes it may take a lot of money to get them treated. Therefore, Secure All Plan by Royal Sundaram is a perfect medical insurance policy to opt for safeguarding your complete family. It is specially designed to provide complete protection to you and the dependent members of your family. The policy is issued to individuals for covering their whole family under one sum insured. However, all types of medical treatments offered under the hospitalisation benefit of the policy should be conducted only in India. Only, the personal accident cover is applicable across the world.

The entry age for Secure All Plan lies between the age group of 91 days and 65 years, while the proposer should be of at least 18 years. There is no Exit age in the policy. The policy can be renewed continuously subject to payment of the premium within the grace period. The policy offers coverage to self, spouse and dependants, who bear legal relation with the proposer. The coverage amount under the Secure All Plan ranges from Rs. 1.5 Lakh to Rs. 5 Lakh. It also offers multiple benefits for the policyholders like in-patient hospitalisation cover, hospital cash benefit, cumulative bonus, personal accident cover, and so on.

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Disclaimer : Actual Premium might vary basis your location, age and number of members
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Key Inclusions and Exclusions of the Plan

What's Included

  • Pre and post hospitalisation cover 
  • In-patient hospitalisation coverage
  • Personal Accident Benefit is provided 
  • Availability of hospital cash benefit option 
  • Recovery Benefit of Rs. 25,000 is payable 

What's Not Included

  • Treatment of self-inflicted injuries
  • Cost of routine examinations, vaccinations etc.
  • Participation in hazardous sport or activities
  • Any claim in respect of pre-existing conditions
  • Expenses for weight control programs, surgeries

4963 Royal Sundaram Cashless Network Hospitals in India

Secure All User Reviews

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What users are saying
  • All
  • My experience with this plan has been great since purchase. I like this policy very much due to its effective ...

    Read More
    T
    By Tanmay Bhatt
    On: Feb 18, 2020
  • This health policy is given to individuals where it promises to cover their whole family under a single sum in...

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    Y
    By Yogesh Sharma
    On: Feb 18, 2020
  • I have witnessed the benefits and performance of this plan for more than a year. There are many elements under...

    Read More
    N
    By Nimish Khanna
    On: Feb 05, 2020
  • This is the best health insurance policy I have ever utilized in my life. It offered me many great benefits an...

    Read More
    D
    By Deepak Mandal
    On: Feb 05, 2020
  • This is a policy that is framed to provide complete protection to people like me and the dependent members of ...

    Read More
    P
    By Pooja Sabarwal
    On: Jan 22, 2020

Royal Sundaram Secure All Expert Review

  • Expert Review

    The Secure All Policy is a comprehensive as well as an economical health insurance plan. The plan is offered to individuals to look after their complete family, which can include self, spouse and dependent persons having legal relation with the proposer. It offers different features to provide relief to policyholders during various medical contingencies. Some significant benefits offered are in-patient hospitalisation, personal accident benefit, cumulative bonus, recovery benefit, and so on. 

    The policy allows the coverage of people between the age group of 91 days and 65 years. It is offered for a policy period of one and two years with the option of lifelong renewability due to which coverage extends to the long term. The Secure All Plan is available with the sum insured amount of Rs. 1.5 Lakh to Rs. 5 Lakh. The plan has no exit age while entry in this plan is quite simple. You just have to be in a good health condition and needs to understand and duly sign the health declaration form.

  • Major Attractions

    The Secure All plan owns multiple components which facilitate policyholders to safeguard their families. Wide plan coverage is available under this plan along with some valuable benefits that grabs attention. 

    • In-patient hospitalisation expenses are covered
    • Pre and post hospitalisation expenses incurred for a period of 30 and 60 days respectively  
    • Cashless hospitalisation in 3000+ network hospitals 
    • Recovery Benefit in a lump sum amount of Rs. 25,000 is payable
    • Hospital Cash benefit for each completed 24 hours of hospitalisation
    • Cumulative bonus of 5% for every claim-free year to a maximum of 10 slabs.
    • Worldwide Personal Accident Benefits cover in the case of an unfortunate event of accidental death or disablement
  • What’s More?

    In addition to the features and benefits above, The Secure All plan holds a few more elements to attract new customers and retain the existing policyholders. Here are some additional components of the plan which tends to deliver comfort and ease of utilising the plan:

    • A grace period of 30 days is offered
    • Free-look period of 15 days is given
    • Plan coverage term of 1 and 2 years 
    • Lifelong renewability option is available
    • Tax benefit is provided on the premium
  • Conclusion

    After going through all the benefits and plan coverage of the Secure All plan, it can be concluded to be a suitable family plan. The plan is an ideal framework that can easily protect and safeguard you and your family from different sorts of medical emergencies and financial crisis which may arise.  

    Buying a health insurance plan online is always preferred. It enhances the purchase procedure and facilitates maintaining the transparency too. InsuranceDekho, a health insurance broker firm, is a perfect place to choose and buy the health insurance plan due to their commitment of delivering affordability to peace of mind to customers through its hassle-free policy-related assistance, claim settlement support, and much more.

Royal Sundaram Secure All Brochure

  • 349.34 KB
  • PDF Document
  • Sep 18, 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 Secure All Health Insurance Plan

  • What is the coverage amount provided under the Secure All plan?

    The sum insured limit available under this plan ranges between Rs. 1.5 Lakh to Rs. 5 Lakh.

  • Who are all eligible to get covered under Secure All policy from my family?

    The Secure All policy offers the coverage to Self, Spouse, and dependent persons who bear legal relation with the policyholder.  

  • Is any discount offered under the Secure All plan?

    Yes, a family discount of 5% is offered for adding two family members and 10% is given for including 3 or more members under the policy. Discount can be withdrawn at the time of renewal if the number of members covered under the plan found less than 3.

  • What is the coverage term of this health insurance plan?

    The Secure All Plan is available with the coverage term of 1 and 2 years. 
     

  • Is any recovery benefit offered under the Secure All policy?

    Yes, a lump sum amount of Rs. 25000 is offered under the recovery benefit only if the duration of hospitalisation in the hospital exceeds 15 days. 

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