Can I avail cashless treatment under Arogya Sanjeevani Policy, Royal Sundaram?

Yes, you can cashless treatment under this policy.

Who in my family can I get covered under Arogya Sanjeevani Policy, Royal Sundaram?

The policy allows coverage for self and family members. So, you can get your legally wedded spouse, parents, parents- in-law, and dependent children (whether natural or legally adopted) between the age 3 months to 25 years covered apart from yourself under this policy. Note that in case, your child, above 18 years is financially independent, he or she won’t be covered.

How vast is the sum insured range under Arogya Sanjeevani Policy, Royal Sundaram?

For this policy, the sum insured range includes options such as Rs. 1 Lakh, 1.5 Lakh, Rs. 2 Lakh, Rs. 2.5 Lakh, Rs. 3 Lakh, Rs. 3.5 Lakh, Rs. 4 Lakh, Rs. 4.5 Lakh, and Rs. 5 Lakh.

What are the modern treatment covered under Arogya Sanjeevani Policy, Royal Sundaram?

Under this policy, you can avail coverage for procedures like Uterine Artery Embolization and HIFU, Oral chemotherapy, Deep Brain stimulation, Balloon Sinuplasty, Immunotherapy, Robotic surgeries, Stereotactic radio surgeries, Intra vitreal injections, Bronchial Thermoplasty, Stem cell therapy, IONM - (Intra Operative Neuro Monitoring), and Vaporisation of the prostrate, up to 50% of the sum insured.

Will Arogya Sanjeevani Policy, Royal Sundaram provide me cover for cataract treatment?

Yes. Under this policy, you can avail cataract treatment. However, note that it comes with a sub-limit of 25% of the sum insured or Rs. 40,000, whichever is lower, per eye, in one policy year.

Is there any sub-limit for room or doctor’s fees, ICU charges and others under Arogya Sanjeevani Policy, Royal Sundaram?

Yes! Room rent, boarding, nursing expenses, are all inclusive as provided by the hospital or nursing home, up to 2% of the sum insured, subject to maximum of Rs. 5000 per day. Moreover, ICU charges or ICCU charges charges are all inclusive as provided by the hospital or nursing home, up to 5% of the sum insured, subject to maximum of Rs.10,000, per day.

If I want to change my sum insured for Arogya Sanjeevani Policy, Royal Sundaram during the policy term, will it be allowed?

No! If required, you can change the sum insured for this policy, but only at the time of policy renewal.

Will I get the benefit of Cumulative Bonus under Arogya Sanjeevani Policy, Royal Sundaram?

Yes! You can expect an increase in the sum insured by 5%, in respect of each claim free year, subject to a maximum of 50% of the sum insured. In case, you file a claim, your cumulative bonus will be reduced at the same rate.

What is the waiting period under Arogya Sanjeevani Policy, Royal Sundaram?

While pre-existing diseases are covered after a period of 48 months of waiting period, waiting period for specific conditions, surgeries, and treatment is 24 or 48 months.

What is the free-look period for Arogya Sanjeevani Policy, Royal Sundaram?

This policy comes with a free look period of 15 days, from the date of receipt of the policy.

Royal Sundaram Arogya Sanjeevani Health Insurance Wordings

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Highlights

Claim Settlement Ratio	98.60%
Network Hospitals	10,000+
Pre-existing Disease Waiting Period	3 years
Special Benefits	Modern Treatments Such as Bariatric Covered
Starting Premium for Rs. 5 lakhs SI	Rs. 382/month
Starting Premium of Rs. 5 lakhs SI	Rs. 382/month

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Royal Sundaram Arogya Sanjeevani Policy Brochure

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Apr 17, 2020

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Royal Sundaram Health Insurance Plan List

Critical Illness (2)
Family (12)
Individual (8)
Senior Citizen (1)
Parents (2)
Kids (1)
Maternity (1)
Woman (1)

Name of Plan	Sum Insured
LifelineMin: 91 Days; Max: No Limit	2 Lakh	Check Premium
Arogya Sanjeevani PolicyMin: 3 Months; Max: 65 Years	1 Lakh - 5 Lakh	Check Premium
Family PlusMin: 91 Days; Max: No Limit	2 Lakh	Check Premium
Corona Kavach PolicyMin: 1 Day; Max: 65 Years	50,000 - 5 lakh	Check Premium

Royal Sundaram Health Insurance Top Up List

Critical Illness (1)
Family (1)
Individual (2)
Senior Citizen (1)
Top-up (1)

Name of Plan	Sum Insured
LifelineMin: 91 Days; Max: No Limit	2 Lakh	Check Premium

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FAQs on Arogya Sanjeevani Policy Health Insurance Plan

Can I avail cashless treatment under Arogya Sanjeevani Policy, Royal Sundaram?
Yes, you can cashless treatment under this policy.
Who in my family can I get covered under Arogya Sanjeevani Policy, Royal Sundaram?
The policy allows coverage for self and family members. So, you can get your legally wedded spouse, parents, parents- in-law, and dependent children (whether natural or legally adopted) between the age 3 months to 25 years covered apart from yourself under this policy. Note that in case, your child, above 18 years is financially independent, he or she won’t be covered.
How vast is the sum insured range under Arogya Sanjeevani Policy, Royal Sundaram?
For this policy, the sum insured range includes options such as Rs. 1 Lakh, 1.5 Lakh, Rs. 2 Lakh, Rs. 2.5 Lakh, Rs. 3 Lakh, Rs. 3.5 Lakh, Rs. 4 Lakh, Rs. 4.5 Lakh, and Rs. 5 Lakh.
What are the modern treatment covered under Arogya Sanjeevani Policy, Royal Sundaram?
Under this policy, you can avail coverage for procedures like Uterine Artery Embolization and HIFU, Oral chemotherapy, Deep Brain stimulation, Balloon Sinuplasty, Immunotherapy, Robotic surgeries, Stereotactic radio surgeries, Intra vitreal injections, Bronchial Thermoplasty, Stem cell therapy, IONM - (Intra Operative Neuro Monitoring), and Vaporisation of the prostrate, up to 50% of the sum insured.
Will Arogya Sanjeevani Policy, Royal Sundaram provide me cover for cataract treatment?
Yes. Under this policy, you can avail cataract treatment. However, note that it comes with a sub-limit of 25% of the sum insured or Rs. 40,000, whichever is lower, per eye, in one policy year.
Is there any sub-limit for room or doctor’s fees, ICU charges and others under Arogya Sanjeevani Policy, Royal Sundaram?
Yes! Room rent, boarding, nursing expenses, are all inclusive as provided by the hospital or nursing home, up to 2% of the sum insured, subject to maximum of Rs. 5000 per day. Moreover, ICU charges or ICCU charges charges are all inclusive as provided by the hospital or nursing home, up to 5% of the sum insured, subject to maximum of Rs.10,000, per day.
If I want to change my sum insured for Arogya Sanjeevani Policy, Royal Sundaram during the policy term, will it be allowed?
No! If required, you can change the sum insured for this policy, but only at the time of policy renewal.
Will I get the benefit of Cumulative Bonus under Arogya Sanjeevani Policy, Royal Sundaram?
Yes! You can expect an increase in the sum insured by 5%, in respect of each claim free year, subject to a maximum of 50% of the sum insured. In case, you file a claim, your cumulative bonus will be reduced at the same rate.
What is the waiting period under Arogya Sanjeevani Policy, Royal Sundaram?
While pre-existing diseases are covered after a period of 48 months of waiting period, waiting period for specific conditions, surgeries, and treatment is 24 or 48 months.
What is the free-look period for Arogya Sanjeevani Policy, Royal Sundaram?
This policy comes with a free look period of 15 days, from the date of receipt of the policy.

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Claim Process at Royal Sundaram Health Insurance

Network Hospital
Non-Network Hospital

1
Claim Assistance
For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
2
Claim Intimation
Emergency hospitalisation needs intimation within 48 hours and for planned hospitalisation intimate at least 48 hours prior to admission.
3
Claim Processing
Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
4
Claim Settlement
Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.

1
Claim Assistance
For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
2
Claim Intimation
Emergency hospitalisation needs intimation within 48 hours and for planned hospitalisation intimate within 72 hours prior to admission.
3
Claim Processing
Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
4
Claim Settlement
Once your request for reimbursement of expenses is approved, the claim will be settled.

Royal Sundaram Health Insurance Contact Details

Reach us for help anytime

Insurance Dekho
755 1196 989Mon to Sun 10:00 AM to 7:00 PM
support@insurancedekho.com
Royal Sundaram Health Insurance
1860-425-0000Mon to Fri 10:00 AM to 7:00 PM
customer.services@royalsundaram.in