Royal Sundaram Total Health Advantage 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 Total Health Advantage Health Insurance
Health is one of the most crucial elements of life. Therefore, it needs to be taken care of constantly. But, many people find it quite expensive to deal with their medical conditions. Here, Total Health Advantage Plan, a medical insurance policy, comes into play. It is designed for individuals as well as families, where it delivers multiple benefits at affordable prices. Investing in it can help people in saving their funds during a medical emergency. The plan is equipped with several features and plan coverage, which ultimately bring in great relief in medical and financial terms.
Total Health Advantage Plan is divided into three variants, i.e., Silver, Gold and Platinum plans. People between the age group of 91 days and 65 years can get coverage under this plan with a policy period of 1 and 2 years. The sum insured available under this plan ranges between Rs. 2 Lakh and Rs. 20 Lakh. As the plan can be offered on an individual basis as well as on a family floater basis, there are several relations that can get coverage under it such as self, spouse and dependent children, which indicates that either one or all together can have medical claim up to the limit of sum insured.
Health Insurance Calculator
Whom do you want the insurance for ?
Select the age of all members
- You
Where do you live ?
Choose required Coverage for yourself?
Key Inclusions and Exclusions of the Plan
What's Included
- In-patient hospitalisation coverage
- Pre and post hospitalisation expenses
- Expenses incurred on daycare treatment
- Coverage offered for ambulance charges
- Health check up-reimbursement is offered
What's Not Included
- Admission for diagnostic studies alone
- Cost of weight control programs, surgeries, etc.
- Cosmetic surgery, aesthetic or related treatment
- Routine examinations, vaccinations, etc.
- Expenses towards non-allopathic treatment
4963 Royal Sundaram Cashless Network Hospitals in India
Choose Royal Sundaram Plan for
Royal Sundaram Total Health Advantage Expert Review
-
-
Major Attractions
The Total Health Advantage Plan is considered to be a comprehensive and economic health insurance policy. The plan offers a wide range of coverage but still gain attention due to some valuable benefits. It is always ranked high when put in the competition due to its rewarding offerings which are as follows:
- In-patient hospitalisation expenses are covered
- Cashless hospitalisation in 3000+ network hospitals
- Maternity benefit offered up to 10% of the SI maximum up to Rs. 20000
- Dental care is provided with 25% co-pay given once in 4 completed years
- Health check-up is reimbursed after every 4 consecutive claim-free year
- Spectacles/hearing aid is offered with 25% co-pay given once in 4 completed years
- Hospital cash of up to Rs. 500 in Silver and Gold variants, while up to Rs. 2000 is offered in Platinum variant
- Ambulance charges of up to Rs. 1500 is given under Silver and Gold variants, while up to Rs. 5000 under Platinum variant
-
What’s More?
Even after delivering a lot, the Total Health Advantage Plan holds some more components to impress, attract and retain the policyholders. Here are some additional elements which deliver comfort to customers for utilising the plan:
- Free-look period of 15 days is given
- Plan coverage term of 1 and 2 years
- Grace period of thirty days is offered
- Lifelong renewability option is available
- Tax benefit is provided on the premium
-
Conclusion
Having explored the features, plan coverage and other elements of the Total Health Advantage Plan, it can be considered as a perfect family plan. It is a good to go and value for money policy which can easily safeguard you and your family from a medical emergency and financial crisis that might arise.
It is always good to choose a health insurance policy through an online mode. Choosing the policy online will not only speed up the procedure but also transparency is maintained as well. InsuranceDekho, a health insurance broker firm, is considered a perfect place to buy the plan as they promise their customers of delivering thorough comparison of plans, policy-related assistance, claim settlement support, and much more.
Claim Process at Royal Sundaram Health Insurance
FAQs on Total Health Advantage Health Insurance Plan
-
-
Who all from my family can get coverage under this plan?
This policy offers the health cover to self, spouse, and dependent children.
-
Is maternity benefit available under the Total Health Advantage Plan?
Yes, the option of maternity benefit is offered under the Total Health Advantage Plan with a waiting period of 3 years. Also, this feature is available only under the Silver variant where it provides 10% of the SI subject to a max of Rs. 20000.
-
Does the Total Health Advantage Plan offer daycare treatment coverage?
Yes, the plan offers the coverage for medical expenses related to daycare procedures, which require hospitalisation for a period less than 24 hours.
-
What is the coverage term of Total Health Advantage Plan?
The Total Health Advantage Plan is available with the coverage term of 1 and 2 years.