Royal Sundaram Total Health Advantage Insurance Wordings

This policy offers the health cover to self, spouse, and dependent children.   

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. 

Yes, the plan offers the coverage for medical expenses related to daycare procedures, which require hospitalisation for a period less than 24 hours.

The Total Health Advantage Plan is available with the coverage term of 1 and 2 years. 

Yes, the charges of emergency ambulance is covered under this plan. The coverage is provided for up to a sum of Rs. 1500 per hospitalisation under Silver and Gold variant of this plan whereas Rs. 5000 under its Platinum variant.

Yes, coverage for health check-up expenses is offered. Under Silver and Gold variants of this plan, reimbursement of health check-up expenses is given maximum of up to Rs. 1500 per insured person, while under the Platinum variant it is up to Rs. 5000, after every 4 consecutive claim-free policy years.

Yes, out-patient treatment expenses are offered under Gold and Platinum variants only, for up to Rs. 2500 and Rs. 5000. 

The cashless hospitalisation for Total Health Advantage Plan is offered in over 3000+ network hospitals. 

Under the Total Health Advantage Plan, the premium paid towards this health insurance will be eligible for tax benefits under Section 80D of the Income Tax Act, up to Rs. 25,000 per year.