What is the sum insured amount available under Total Health Plus Plan?

The sum insured of this policy ranges from Rs. 3 Lakh to Rs. 10 Lakh as per the variant opted by the policyholders.

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.

What is the policy period of this Total Health Plus plan?

The policy duration or coverage term of this policy is of 1 year.

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.

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.

What is the limit of indexation benefit offered under this policy?

Under this plan, indexation benefit is given where the sum insured amount is enhanced. The sum insured under this plan is progressively increased by slabs of 10% of the sum insured subject to a maximum accumulation of 5 slabs.

Does this policy offer maternity benefit to women policyholders?

Yes, the maternity benefit is covered under this plan. The maximum amount payable under this benefit is 10% of the sum insured subject to a maximum of Rs. 30,000 (under Gold Plus Plan) and Rs. 50,000 (under Platinum Plus Plan) after a waiting period of 3 years. Any complication arising out of pregnancy will be deemed to be covered under this extension only, and the limits mentioned would apply.

Are daycare treatment and procedures covered under the plan?

Yes, expenses incurred on daycare treatments, requiring less than 24 hours of hospitalisation, are covered under the plan.

How many network hospitals offer cashless hospitalisation for this plan?

Total Health Plus Plan provides the benefit of a cashless cover in 3000+ network hospitals of Royal Sundaram.

Does this plan offer the benefit of hospital cash? If yes, how much amount it provides?

Yes, a daily hospital cash benefit is given under the Total Health Plus Plan. Under the Gold Plus variant Rs. 500 per day is offered and Rs. 1000 per day is offered under the Platinum Plus Plan.

Royal Sundaram Total Health Plus Insurance Wordings

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Highlights

Claim Settlement Ratio	98.60%
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

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Royal Sundaram Total Health Plus Brochure

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Sep 12, 2019

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Royal Sundaram Health Insurance Plan List

Critical Illness (2)
Family (12)
Individual (8)
Senior Citizen (1)
Parents (2)
Kids (1)
Maternity (1)
Woman (1)

Name of Plan	Sum Insured
LifelineMin: 91 Days; Max: No Limit	2 Lakh	Check Premium
Arogya Sanjeevani PolicyMin: 3 Months; Max: 65 Years	1 Lakh - 5 Lakh	Check Premium
Family PlusMin: 91 Days; Max: No Limit	2 Lakh	Check Premium
Corona Kavach PolicyMin: 1 Day; Max: 65 Years	50,000 - 5 lakh	Check Premium

Royal Sundaram Health Insurance Top Up List

Critical Illness (1)
Family (1)
Individual (2)
Senior Citizen (1)
Top-up (1)

Name of Plan	Sum Insured
LifelineMin: 91 Days; Max: No Limit	2 Lakh	Check Premium

4963 Royal Sundaram Cashless Network Hospitals in India

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FAQs on Total Health Plus Health Insurance Plan

What is the sum insured amount available under Total Health Plus Plan?
The sum insured of this policy ranges from Rs. 3 Lakh to Rs. 10 Lakh as per the variant opted by the policyholders.
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.
What is the policy period of this Total Health Plus plan?
The policy duration or coverage term of this policy is of 1 year.
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.
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.
What is the limit of indexation benefit offered under this policy?
Under this plan, indexation benefit is given where the sum insured amount is enhanced. The sum insured under this plan is progressively increased by slabs of 10% of the sum insured subject to a maximum accumulation of 5 slabs.
Does this policy offer maternity benefit to women policyholders?
Yes, the maternity benefit is covered under this plan. The maximum amount payable under this benefit is 10% of the sum insured subject to a maximum of Rs. 30,000 (under Gold Plus Plan) and Rs. 50,000 (under Platinum Plus Plan) after a waiting period of 3 years. Any complication arising out of pregnancy will be deemed to be covered under this extension only, and the limits mentioned would apply.
Are daycare treatment and procedures covered under the plan?
Yes, expenses incurred on daycare treatments, requiring less than 24 hours of hospitalisation, are covered under the plan.
How many network hospitals offer cashless hospitalisation for this plan?
Total Health Plus Plan provides the benefit of a cashless cover in 3000+ network hospitals of Royal Sundaram.
Does this plan offer the benefit of hospital cash? If yes, how much amount it provides?
Yes, a daily hospital cash benefit is given under the Total Health Plus Plan. Under the Gold Plus variant Rs. 500 per day is offered and Rs. 1000 per day is offered under the Platinum Plus Plan.

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Claim Process at Royal Sundaram Health Insurance

Network Hospital
Non-Network Hospital

1
Claim Assistance
For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
2
Claim Intimation
Emergency hospitalisation needs intimation within 48 hours and for planned hospitalisation intimate at least 48 hours prior to admission.
3
Claim Processing
Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
4
Claim Settlement
Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.

1
Claim Assistance
For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
2
Claim Intimation
Emergency hospitalisation needs intimation within 48 hours and for planned hospitalisation intimate within 72 hours prior to admission.
3
Claim Processing
Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
4
Claim Settlement
Once your request for reimbursement of expenses is approved, the claim will be settled.

Royal Sundaram Health Insurance Contact Details

Reach us for help anytime

Insurance Dekho
755 1196 989Mon to Sun 10:00 AM to 7:00 PM
support@insurancedekho.com
Royal Sundaram Health Insurance
1860-425-0000Mon to Fri 10:00 AM to 7:00 PM
customer.services@royalsundaram.in