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Royal Sundaram Family Good Health Plan

Objective

This policy aims to cover entire family under a single policy.


Suited for

It is available as an individual cover as well as a family floater where sum insured can be utilized by any member of the insured family. Individual plan can cover up to four adults of a family with different sum assured for each. As a family floater policy, it can cover up to two adults and three children under same policy.


What does it do?

Apart from hospitalisation expenses, it covers other day care procedures which do not require hospitalisation. The daily cash benefit can be availed to pay for travel, accommodation and food. If hospitalisation exceeds 21 days of continuous stay, the insurer will also pay a lump sum up to Rs 10,000 to assist in recovery.


Pros

Premiums paid towards this policy enjoy a tax benefit under Section 80D.


Cons

Room rent and daily ICU charges are capped.


Our View

The policy is available at reasonable premium rates, which may be due to sub-limits on room rent. Given the lower premiums, you may go for the policy if you are comfortable with sub-limits.

Eligibility
Entry Age (years) 
Minimum18; 91 days for children
Maximum65; 21 years for children
Maximum Policy Renewal Age (years)70
Coverage TypeIndividual/ Family floater
Sum Insured (Rs) 
Maximum5 lakh
Minimum2 lakh
Policy Term (years)1/2
No Claim BonusSum insured increased by 5% for each claim free year subject to maximum of 50%
Pre Policy Medical Check UpNot required upto 50 years of age
Grace Period for Policy Renewal15 days
Policy TerminationInsurance company may terminate the policy by giving a 7 days notice. Insured member may also cancel the policy. If no claim has been made, the insurer will refund a proportionate premium
Customer Service 
AddressRoyal Sundaram Alliance Insurance Company Limited
Sundaram Towers 45 & 46,
Whites Road, Chennai 600 014
Mail to[email protected]
Call to1860 425 0000 (toll free)
SMSType FGH and send to 560701
Network HospitalsHttp://www.royalsundaram.in/App/search-hospital-list.aspx
Additions to the Plan
Scope Of Cover
Cashless facilityallowed if treatment is availed in a network hospital
Reimbursement facilityallowed if treatment is availed in a non- network hospital
Pre and Post hospitalisation covers medical expenses incurred 30 days prior to hospitalisation and 60 days after discharge from the hospital
In patient hospitalisationcovered
Room rentcovered upto 2% of sum insured per day
ICU Chargescovered upto 4% of sum insured
Day Care Procedurescovered
Daily Cash AllowanceRs 500 for each 24 hours completed in a hospital for maximum of 20 days during the policy term and for a maximum of 60 days for all insured persons in a family
Convalescence benefit(if hospitalisation exceeds 21 days)lumpsum of upto Rs 10000 and maximum of Rs 20000 for all insured persons of the family
Emergency ambulancecovered upto Rs 1000 per claim
Health Check upcovered upto Rs 750 per insured person after every 4 consecutive claim free years
Exclusions and Waiting Period
Pre-existing diseasescovered after 48 months of continuous policy renewal
No claim periodinitial 30 days of policy commencement
Waiting periodDiseases such as Congenital Internal Disease, Stone in urinary and biliary systems, Migrane/Vascular headaches etc., are not covered during first policy year .Certain diseases such as Cataract, Knee/Hip Replacement, Heart Disease, Chronic Renal Failure/ End Stage Renal Failure etc are not covered during first two policy years.
Annual Premium Option for 1 year Policy Term
Age (in years) 1A 2A 2A +1C 2A +2C 2A + 3C 1A +1C 1A+2C 1A+3C
Sum Insured : Rs. 2 lakh
91 days - 3524893385387043064740297334083843
36 - 4529734043453950055473346739354401
46 - 50432869257977900810040538064117444
51 - 55*432869257977900810040538064117444
56 - 60*55978952102471154212836689281859481
61 - 65*7313117011299814291155868608990311197
66 - 70*7313117011299814291155868608990311197
Sum Insured : Rs. 3 lakh
91 days - 3534024626521457416270398845175044
36 - 4538335214618671007883480557196501
46 - 50583093291095912563141647462906510666
51 - 55*583093291095912563141647462906510666
56 - 60*75691211113744153771701192031083612470
61 - 65*1125118001198512170323556131021495416806
66 - 70*1125118001198512170323556131021495416806
Sum Insured : Rs. 4 lakh
91 days - 3539685398603266037175460251745747
36 - 4548016532718377958407545360666677
46 - 50 7331117281287614000151258477960210725
51 - 55*7331117281287614000151258477960210725
56 - 60*953515256173221938921453116011366815734
61 - 65*1419122706227692738929729165331887321214
66 - 70*1419122706250472738929729165331887321214
Sum Insured : Rs. 5 lakh
91 days - 356334861594071012110836712678408556
36 - 4588901209212906136721443797051047011235
46 - 501355718439196562085022043147751596817164
51 - 55*1355718439196562085022043147751596817164
56 - 60*1762623974261692836330559198222201724211
61 - 65*2314231472339603644738935256302811730606
66 - 70*2314231472339603644738935256302811730606
^Premium Rates are exclusive of service tax and cess
*Age band applicable for renewals only
Annual Premium Rates Option for 2 year Policy Term
Age (in years) 1A 2A 2A +1C 2A +2C 2A + 3C 1A +1C 1A+2C 1A+3C
Sum Insured : Rs. 2 lakh
91 days - 3547286432735381789006565064757301
36 - 45564876838624951010397659074768362
46 - 50822413157151561711619076102221218214143
51 - 55*822413157151561711619076102221218214143
56 - 60*1063417011194702193024390130941555418015
61 - 65*1389622233246932715329614163561881821278
66 - 70*1389622233246932715329614163561881821278
Sum Insured : Rs. 3 lakh
91 days - 35 6464879099041090911913757785829587
36 - 45 7283990711752134911497891301240214883
46 - 501107717723208242386826911141791722120264
51 - 55*1107717723208242386826911141791722120264
56 - 60*1438123010261152921832322174842058923693
61 - 65*2137734202377194123644753248952841131929
66 - 70*2137734202377194123644753248952841131929
Sum Insured : Rs. 4 lakh
91 days - 357542102571146012547136338744983110917
36 - 45912212409136481481015973103611152312687
46 - 501392822286244642660028735160971824120376
51 - 55*1392822286244642660028735160971824120376
56 - 60*1811628985329103683740764220422596829894
61 - 65*2696343142475895203856485314123585940306
66 - 70*2696343142475895203856485314123585940306
Sum Insured : Rs. 5 lakh
91 days - 351203516369178731923020588135401489816256
36 - 451689222974245222597627431184391989421348
46 - 502575935034373473961641883280733114933816
51 - 55*2575935034373473961641883280733114933816
56 - 60*3349245551497215389158061376624330248209
61 - 65*4396959798645246925073977486965509260653
66 - 70*4396959798645246925073977486965509260653
^Premium Rates are exclusive of service tax and cess
*Age band applicable for renewals only