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Royal Sundaram Family Good Health Plan

Eligibility  
Entry Age (years)  
Minimum 18; 91 days for children
Maximum 65; 21 years for children
Maximum Policy Renewal Age (years) 70
Coverage Type Individual/ Family floater
Sum Insured (Rs)  
Maximum 5 lakh
Minimum 2 lakh
Policy Term (years) 1/2
No Claim Bonus Sum insured increased by 5% for each claim free year subject to maximum of 50%
Pre Policy Medical Check Up Not required upto 50 years of age
Grace Period for Policy Renewal 15 days
Policy Termination Insurance 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  
Address Royal Sundaram Alliance Insurance Company Limited
Sundaram Towers 45 & 46,
Whites Road, Chennai 600 014
Mail to customer.services@royalsundaram.in
Call to 1860 425 0000 (toll free)
SMS Type FGH and send to 560701
Network Hospitals Http://www.royalsundaram.in/App/search-hospital-list.aspx
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.