Royal Sundaram Total Health Plus Insurance Wordings

People within the age limit of 91 days to 65 years are eligible to get covered under this policy. 

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

Yes, two variants are present in this plan which are named as Gold Plus and Platinum Plus. 

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.

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. 

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. 

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

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

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.