Royal Sundaram Hospital Cash
Objective
This policy aims to cover expenses that are not not insured by other health insurance policies.
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.
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.
Eligibility
Entry Age (years)
Minimum
1
Maximum
60
Maximum Policy Renewal Age (years)
70
Coverage Type
Individual
Sum Insured (Rs)
Maximum
Daily Cash Benefit of 1000
Minimum
Daily Cash Benefit of 500
Policy Term (years)
1
Discount
10% family discount on covering more than 3 family members
Customer Service
Address
Royal Sundaram Alliance Insurance Company Limited
Sundaram Towers 45 & 46,
Whites Road, Chennai 600 014
Mail to
[email protected]
Call to
1860 425 0000 (toll free)
SMS
Type HCASH and send to 560701
Network Hospitals
Http://www.royalsundaram.in/App/search-hospital-list.aspx
Additions to the Plan
| Scope of Cover | ||
| Silver Plan | Gold Plan | |
| Daily cash benefit in case of: | ||
| Hospitalisation | Rs 500 for each 24 hours completed in a hospital for upto 180 days | Rs 1000 for each 24 hours completed in a hospital for upto 180 days |
| ICU stay | Cash benefit of Rs 1500 for maximum of 21 days | cash benefit of Rs 3000 for upto 21 days |
| Accidental hospitalisation | cash 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 period | lumpsum upto Rs 15000 once during the policy period |
Cost Details
| Annual Premium | ||
| Age (in years) | Silver Plan | Gold Plan |
| upto 45 | 712 | 1335 |
| 46 - 60 | 1068 | 2047 |
| 61 - 70 (Applicable for renewals only) | 1424 | 2759 |
| Indicative Premiums are exclusive of service tax and cess | ||
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