Royal Sundaram Total Health Plus 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 Plus Health Insurance
When it comes to family, no one wants to compromise on any part of health care. Hence, a plan like Total Health Plus is an asset for people looking for a comprehensive medical insurance policy. It has the potential to suit the needs of all the insured members of the family as well as an individual. People analyse a plan on different parameters such as cost, plan coverage for all, out-patient coverage, the option of additional features and other basic elements. Fortunately, all these benefits are provided under this plan offered by Royal Sundaram.
This plan is a perfect tool anyone can utilise to keep the savings intact during times of medical emergencies. It comes with 1 year coverage term, which is available in two different variants, namely Gold Plus and Platinum Plus. It allows coverage for people within the age group of 91 days to 65 years. The sum insured amount offered under this policy ranges between Rs. 3 Lakh and Rs. 10 Lakh, which depends on the variant chosen. Policyholders owning a sum insured up to Rs. 5 Lakh are allowed to enter the plan without going through a medical test till 50 years of age. While the customers with the sum insured of above Rs. 5 Lakh can enter the policy without any medical examination till 45 years.
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Key Inclusions and Exclusions of the Plan
What's Included
- In-patient hospitalisation coverage
- Pre and post hospitalisation expenses
- Availability of maternity expense cover
- Master health check-up reimbursement
- Out-patient treatment costs are covered
What's Not Included
- Admission for diagnostic studies alone
- Pre-existing diseases within the waiting period
- Treatment of obesity and weight control programs
- Any routine examinations, vaccinations, inoculation
- Cosmetic surgery or related treatment
4963 Royal Sundaram Cashless Network Hospitals in India
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Royal Sundaram Total Health Plus Expert Review
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Major Attractions
The Total Health Plus Policy is stuffed with a range of features, but some catch enough attention of the customers. Being a health plan for family, this policy has expanded its coverage, features and benefits, so that it can cover the smallest possible medical expense that a family has to incur during difficult times. Here are some beneficial offerings under this plan:
- In-patient hospitalisation cover
- Coverage of out-patient expenses
- Master health check-up is provided
- Pre and post hospitalisation expenses
- Maternity related expenses are covered
- Emergency ambulance costs are offered
- Expenses incurred on daycare procedures
- Cashless hospitalisation in 3000+ network hospitals
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What’s More?
Furthermore, to benefits and plan coverage elements, the Total Health Plus Policy is acknowledged for various other components as well. They are generally present in every other health insurance plan but has their special value. Here are those salient features offered under this plan:
- No claim discount is provided
- Easy portability option is given
- Policy period option is of 1 year
- 15 day free look period is offered
- Tax benefit is offered on the premium
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Conclusion
The Total Health Plus Policy is an ideal choice for every section, be it individual or family. It holds the virtue of fulfilling different medical needs of everyone from in-patient hospitalisation cover to out-patient expenses. These benefits leave no stone unturned to look after the expensive medical needs of each and every member of the family.
The policy can be bought online either from the official website of Royal Sundaram or through InsuranceDekho’s website. The latter extends its support for customers to select the best possible health insurance plan as per their requirement and affordability. The online process is considered safe, secure and simple to process. Also, InsuranceDekho promises to deliver their services from the beginning till the end, i.e., right from buying a plan to helping in getting a claim.
Claim Process at Royal Sundaram Health Insurance
FAQs on Total Health Plus Health Insurance Plan
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What is the entry age for this health insurance policy?
People within the age limit of 91 days to 65 years are eligible to get covered under this policy.
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What is the policy period of this Total Health Plus plan?
The policy duration or coverage term of this policy is of 1 year.
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Is there any variant available under this health plan?
Yes, two variants are present in this plan which are named as Gold Plus and Platinum Plus.
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Does this plan offer coverage for out-patient expenses?
Yes, the plan provides coverage for out-patient expenses. Under this, if an insured member incurs any expense related to a medical procedure taken at a hospital (or a clinic), the company shall be liable to pay the amount of treatment, not exceeding Rs. 2500. This benefit is available under the Platinum Plus variant of the plan.