Royal Sundaram Ace Health Advantage Health Insurance

A lump sum amount is offered if the insured person gets diagnosed with an illness from the defined list of critical illnesses. The symptoms and signs of such illness should be experienced by the insured person for more than 180 days since the date of commencement of the plan. Also, the insured individual has to survive for more than 30 days from the date of diagnosis of critical illness to avail this optional cover. 
 

The insured person is allowed to get coverage for dental care for a maximum of Rs. 15000 on the completion of two consecutive years. Under this plan, dental care procedure covers fillings and crowns, dental x-rays, non-cosmetic oral surgeries, and emergency tooth replacement.

A lump sum of Rs. 15000 has to be paid if hospitalisation period exceeds 15 days and only if a valid claim for hospitalisation gets admitted under this plan.

For every hospitalisation of 24 hours, the daily benefit of Rs. 2000 is provided for a maximum of 30 days. This benefit follows admitted liability under hospitalisation cash benefit.

This plan owns multiple features and coverage benefits, but some of them actually draw the attention of customers. From being an affordable plan, the policy is stuffed with several attractive offers that make it a value for money product. Here are some beneficial offerings under this plan:

• In-patient hospitalisation cover
• The option of indexation is offered 
• Master health check-up is provided 
• Pre and post hospitalisation expenses
• Maternity-related expenses are covered
• Emergency ambulance costs are offered
• Expenses incurred on daycare procedures
• Coverage in more than 4000 network hospitals

In addition to these features, the plan is appreciated for some of its basic elements. These components offer different types of benefits to policyholders, which enhances the utility of the plan in the actual sense. No matter how many benefits a plan offers, the absence of basic and crucial benefits can lessen its value. Here are a few significant points offered by this policy:

• No claim discount is provided
• 30 days of grace period is given
• Easy portability option is offered
• Tax benefit is offered on the premium
• Policy period option of 1, 2 and 3 years

The Ace Health Advantage policy is a perfect choice for individuals as well as families. It acquires every merit that can fulfill the requirement of every household such as in-patient hospitalisation to daycare treatment and from pre and post hospitalisation to maternity benefits. These features corroborate that it is a comprehensive plan which can easily look after a complete family without spending hefty premium amount. 
 
The plan can be purchased online either from the official website of Royal Sundaram or through InsuranceDekho’s website. The latter can assist in selecting the best possible coverage plan depending on the requirement and affordability. The online process is safe, secure and simple to use. Also, the team of InsuranceDekho help their customers right from offering a plan description through the claim settlement procedure. 

Anyone between the age group of 91 days and 65 years can be covered under this policy. 

Yes, different optional benefits are provided under this plan which includes Dental Care, Personal Accident (Death & Permanent Total Disablement), Critical Illness Treatment, Convalescence/Recovery Benefit, Cost of Spectacles/Contact Lens/Hearing Aid, and Hospital Cash (per day). 

Yes, the plan gives Master Health Check-up cover for the policyholders, where Rs. 2500 is allotted under Silver and Gold variant of the plan, while Rs. 3500 under Platinum and Rs. 5000 under Super Platinum plan.

The Ace Health Advantage Policy can be issued for a period of 1, 2 and 3 years.