Royal Sundaram Surgical Shield 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 Surgical Shield Health Insurance
Surgery or Operation is a big term for any family to face. People get fearful of the thought of the risk and the cost involved in the surgical procedure. Also, every family tries to get the procedure done in a reputed hospital from an experienced surgeon or doctor. The Surgical Shield Plan offered by Royal Sundaram is designed to provide a comprehensive surgical hospitalisation cover to its policyholders and insured members. It allows the policyholder to cover self, spouse and kids (above the age of 90 days) from all sorts of surgical worries. With this plan in the bucket, you can easily afford any type of surgery.
The Surgical Shield Insurance Policy gives you access for value-added services like cashless treatment at network hospitals, 24 hrs helpline and so on. It ensures that you and your family get the best surgical medical treatment. It is a family policy where the family includes policyholder, spouse and dependent children. Medical insurance is available to persons between the age of 91 days and 65 years at the policy start date, whereas the policyholder should have a minimum age of 18 years on the policy start date. The plan offers several benefits related to surgeries with the option of lifelong renewability.
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Key Inclusions and Exclusions of the Plan
What's Included
- Hospital cash is offered
- Coverage for diagnostic benefit
- Emergency ambulance is covered
- Sum Insured of Rs. 3 Lakh is provided
- Fixed amount is paid as surgical benefit
What's Not Included
- Cosmetic or aesthetic treatment
- Treatment received outside India
- Cost of any birth control procedure
- Cost incurred towards non-allopathic treatment
- Injury due to war, invasion, foreign enemy etc.
4963 Royal Sundaram Cashless Network Hospitals in India
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Royal Sundaram Surgical Shield Expert Review
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Major Attractions
The Surgical Shield Plan is equipped with various attention-drawing components. Majority of these are highly attractive and directly offer enough benefits to policyholders to make them stay associated with the insurer for a long period of time. Here are some of those features of this policy:
- Cover is given on a family basis
- Policy period of 1 year is available
- Sum Insured is offered for Rs. 3 Lakh
- Coverage age between 91 days and 65 years
- Claims settlement by Third Party Administrator (TPA)
- Hospital cash of Rs. 250 for every 24 hours of hospitalisation
- Ambulance expenses offered with the maximum payout of Rs. 1000 per claim
- Diagnostic Benefit subject to a limit of Rs. 10,000 per surgical claim
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What’s More?
The Surgical Shield Plan is framed to assist people during the surgical procedures and cease any financial crisis arising due to it. Apart from the features of the policy, here are some additional components attached to this plan:
- A grace period of 30 days is offered
- Free-look period of 15 days is given
- Lifelong renewability option is provided
- Cashless hospitalisation in 3000+ network hospitals
- Tax deduction under Section 80D of Income Tax Act, 1961
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Conclusion
The Surgical Shield Policy is an excellent plan by Royal Sundaram, that help people get the best surgical procedures for different medical specialities such as Gynaecology, ENT, Orthopedics, Urology, Cardiovascular System and so on, with their respective waiting periods. Its coverage makes the surgical procedures easy and affordable for people.
Those willing to purchase Surgical Shield Policy, you should buy it through the online mode rather than going for offline method. It will make your payment purchase simple and terms and conditions more transparent. The InsuranceDekho is one of the best places to make the purchase for this plan as it delivers its assistance in terms of portability, claim settlement and various other after-sale services.
Claim Process at Royal Sundaram Health Insurance
FAQs on Surgical Shield Health Insurance Plan
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What are the salient benefits available under this health insurance policy?
The salient benefits available under this Surgical Shield Plan include Surgical Benefit, Diagnostic Benefit, Emergency Ambulance, Hospital Cash, and so on.
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What is the claim procedure offered under this health insurance plan?
All claims under this policy are administered by a Third Party Administrator (TPA) appointed by the company. It is necessary that all claim intimation is sent to TPA & all claim documents are submitted to TPA.
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What will happen if I request a claim for the medical expenses from a Non-Network Hospital?
The benefit payable for any claims arising from a Non-Network Hospital will get reduced by 20%. In, short you will get 20% lesser claim benefit in comparison to the ones arising with network hospital.
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What is the sum insured provided under this Surgical Shield Plan?
The sum insured amount of Rs. 3 Lakh is offered under this Surgical Shield Plan.