Royal Sundaram Smart Cash Health Insurance
Claim Settlement Ratio | 92% |
Network Hospitals | 10,000+ |
Pre-existing Disease Waiting Period | 3 years |
Special Benefits | Modern Treatments Such as Bariatric Covered |
Starting Premium for Rs. 5 lakhs SI | Rs. 382/month |
Starting Premium of Rs. 5 lakhs SI | Rs. 382/month |
About Royal Sundaram Smart Cash Health Insurance
Hospitalisation is a costly matter. During the admission period, apart from the hospital or clinic bills and prescriptions, incidental costs such as special diet, frequent visits to the hospital, and stay with the patient & so on become an extra burden on the family's monetary resources. Smart Cash Plan is a medical insurance plan which is designed to provide a cushion against the financial burden arisen due to the hospitalisation. It is committed to delivering daily benefit for covering the expenses related to miscellaneous events and items if an insured individual is hospitalised due to a mishap or disease.
People from the age of 91 days can enjoy the coverage of this Smart Cash Plan. However, the age of proposer should be at least 18 years on the commencement of the policy. The plan comes with one, two and three years of coverage terms and is available in three variants, viz., Silver, Gold and Platinum to offer complete protection to you and insured members of your family. However, the maximum number of days of admission covered under this plan can't exceed 180 days per person per policy year. The coverage amount under this health insurance plan goes from Rs. 500 to Rs. 10,000 per day. People who can avail this policy include self or proposer and dependent members, who possess any legal relation to the proposer.
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Key Inclusions and Exclusions of the Plan
What's Included
- Critical illness benefit
- Convalescence benefit
- Accident hospitalisation benefit
- Joint hospitalisation due to an accident
- Hospital confinement also during an abroad trip
What's Not Included
- Any other alternative treatment except allopathy
- Hospitalisation for evaluation and/or diagnosis
- Treatment traceable to pregnancy or miscarriage
- Injuries due to nuclear weapons, materials etc.
- Psychiatric or psychosomatic disorders, insanity
4963 Royal Sundaram Cashless Network Hospitals in India
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Royal Sundaram Smart Cash Expert Review
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Major Attractions
The Smart Cash Plan provides cash on a daily basis, but its offering doesn’t cease here. The plan is open for the people of every age and can be achieved with a single premium payment only irrespective of tenure. Here are some special benefits of the plan which functions as its major attraction:
- Hospital confinement benefit
- Accident hospitalisation benefit
- Health check-up cost reimbursement
- Intensive care and child birth benefit
- Joint hospitalisation due to an accident
- Convalescence and critical illness benefit
- Emergency family member visit from abroad
- Pre-existing disease and Parental Accommodation Benefit
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What’s More?
In addition to the coverage benefits, some other aspects of this policy are equally important and appreciated. The added components of the plan are as follows:
- 15 days of free look period is given
- Grace period of 30 days is available
- Tax benefit is offered on the premium
- Policy period option of 1, 2 and 3 year
- Family discount of 10% for covering 3 or more members
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Conclusion
Furnished with so many features and benefits, the Smart Cash Policy can be concluded as a great buy and can be purchased as per your medical requirements. The inclusion of optional benefit enhances the value of the plan and concludes it to be an ideal choice for every household.
If you want to buy this policy, try it online as it is always faster and safer than the offline mode. InsuranceDekho website is the perfect place to make your purchase done after having a complete analysis of diverse health plans. It helps you to buy the most suitable policy exactly as per your needs.
Claim Process at Royal Sundaram Health Insurance
FAQs on Smart Cash Health Insurance Plan
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What are the relationships that can be covered under this health insurance plan?
This policy allows the coverage of Self or Proposer and Dependents, who bear any type of legal relation to the proposer.
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Does the Smart Cash Plan offer any discount to its policyholders?
Yes, the plan offers a family discount of 10% for covering 3 or more members.
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How can I enrol myself to get this Smart Cash Plan?
The plan owns a fast and simple enrolment process. You just need to duly fill the health proposal form. It is advised to ensure that all the relevant details are submitted accurately and completely before signing the form.
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What is the coverage term available under the Smart Cash Plan?
The Smart Cash Plan is available with the coverage term of 1, 2 and 3 years.