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Royal Sundaram Hospital Cash

Objective

This policy aims to cover expenses that are not not insured by other health insurance policies.


Suited for

It can be bought by anyone sufficiently insured under a basic health cover and is looking to cover petty expenses that are beyond the scope of other health plans. The cover is available for self, spouse, dependent parents and dependent children.


What does it do?

It has two plans: Silver and Gold. You may select either based on your requirement. Gold variant offers a higher cash allowance. The daily cash benefit will double in case of hospitalisation due to accident and triple on admission to ICU. The cash allowance amount can be spent by policyholder at his discretion.


Pros

It provides triple cash benefit if admitted to ICU and double cash allowance if hospitalised due to accident.
Premiums paid towards this policy enjoy a tax benefit under Section 80D.


Our View

The daily cash benefit can be utilized to pay for medical expenses or other expenses such as travel, accommodation and food of family members. Depending on severity of the situation such as accidental hospitalisation or ICU admission, this policy increases the cash allowance benefit for certain number of days. Buy this policy only if you already have a basic health insurance policy. This policy is not meant to replace health insurance plans but should be treated as a supplementary policy to enhance coverage.

Eligibility
Entry Age (years) 
Minimum1
Maximum60
Maximum Policy Renewal Age (years)70
Coverage TypeIndividual
Sum Insured (Rs) 
MaximumDaily Cash Benefit of 1000
MinimumDaily Cash Benefit of 500
Policy Term (years)1
Discount10% family discount on covering more than 3 family members
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 HCASH and send to 560701
Network HospitalsHttp://www.royalsundaram.in/App/search-hospital-list.aspx
Additions to the Plan
Scope of Cover
Silver PlanGold Plan
Daily cash benefit in case of:
HospitalisationRs 500 for each 24 hours completed in a hospital for upto 180 daysRs 1000 for each 24 hours completed in a hospital for upto 180 days
ICU stayCash benefit of Rs 1500 for maximum of 21 dayscash benefit of Rs 3000 for upto 21 days
Accidental hospitalisationcash benefit of Rs 1000 for upto 21 days cash benefit upto Rs 2000 for upto 21 days
Convalescence Benefit (if hospitalisation exceeds 21 days)lumpsum upto Rs 7500 once during the policy periodlumpsum upto Rs 15000 once during the policy period
Annual Premium
Age (in years)Silver PlanGold Plan
upto 457121335
46 - 6010682047
61 - 70 (Applicable for renewals only)14242759
Indicative Premiums are exclusive of service tax and cess