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Royal Sundaram Master Product- Total Health Plus- Gold Plus Plan

Eligibility  
Entry Age (years)  
Minimum 18; 91 days for children
Maximum 65; 21 years for children
Maximum Policy Renewal Age (years) Lifelong
Coverage Type Individual/ Family on an individual Sum Insured basis/ other legal dependents on individual basis
Sum Insured (Rs)  
Maximum 6 lakh
Minimum 3 lakh
Policy Term (years) 1
Discount 10% Family discount to cover 3 or more members
5% No claim discount on renewal premium
Pre Policy Medical Check Up Not required upto 50 years of age for sum insured of Rs 3 lakhs and upto 45 years of age for sum insured above Rs 3 lakhs and upto Rs 10 lakhs. Insurer will reimburse 50% of costs if proposal gets accepted
Grace Period for Policy Renewal 30 days
Policy Termination Either of the parties may terminate this policy. Policyholder may cancel this policy anytime and the insurer would pay proportionate premiums if no claim has been made.
Customer Service Royal Sundaram Alliance Insurance Company Limited
Sundaram Towers 45 & 46,
Whites Road, Chennai 600 014
Customer Service  
Mail to customer.services@royalsundaram.in
Call to 1860 425 0000 (toll free)
SMS SMS 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 procedures147 in number are covered
Emergency ambulancecovered upto Rs 1500 per claim upto total of Rs 3000 policy limit
Health Check upallowed after every 4 claim free years for upto Rs 1500
Accident hospitalisation covered for upto 50% of basic sum insured
Indexation benefitSum Insured increases by 10% each year till it reaches 50% irrespective of claim in expiring policy
Maternity Benefit (allowed for first two children)pays 10% of sum insured upto Rs 30000.
Hospital Cash Allowance (for upto 30 days)Rs 500 per day
Exclusions and Waiting Period
Pre-existing diseasescovered after 3 years 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.certain diseases such as Osteoarthritis of any joint, treatment of joint replacement surgery etc shall be covered after first three policy years.3 years for maternity benefits
Other ExclusionsAyurvedic or any other non-allopathic treatmentAIDS or related condition