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Royal Sundaram Critical Illness Lumpsum Health Insurance

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Royal Sundaram Health Insurance
Critical Illness Lumpsum
Claim Settlement Ratio98.60%
Network Hospitals10,000+
Pre-existing Disease Waiting Period3 years
Special BenefitsModern Treatments Such as Bariatric Covered
Starting Premium for Rs. 5 lakhs SIRs. 382/month
Starting Premium of Rs. 5 lakhs SIRs. 382/month

About Royal Sundaram Critical Illness Lumpsum Health Insurance

Investing in the right spot at the right time today can make you reap high returns in the future. When it comes to health, this practice becomes more crucial. This is an era of illnesses, which we are living in. More and more people are falling prey to critical and major illnesses nowadays. We need to accept this fact and need to prepare ourselves with a plan for our health. The Critical Illness Lumpsum Policy by Royal Sundaram is a great help for those whosoever is aiming and planning for a safe and secure future.

It is a unique Critical Illness Insurance Policy designed to ensure that you are cushioned against financial adversity as a result of critical illness at an affordable price. The Critical Illness Lumpsum plan offers the sum insured amount that ranges from Rs. 25,000 to Rs. 25 Lakh. It depends on the age and risk profile of the customer, which is totally at the discretion of the insurer. The age eligibility to get covered under this plan lies between 91 days to 65 years at the commencement date of the plan. The medical insurance plan is provided on an individual basis and holds the option of lifelong renewability as well.

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Key Inclusions and Exclusions of the Plan

What's Included

  • Cover offered against 9 critical illnesses
  • Coverage is available on an individual basis
  • Bear 50% & 100% expense of the medical examination
  • Sum insured ranges from Rs. 25,000 to Rs. 25 Lakh
  • Tax benefits are offered as per section 80D of the IT Act

What's Not Included

  • Any illness other than specified as critical illness
  • Surgery related to sex change or aesthetic procedure
  • Claim regarding the misuse or abuse of alcohol, drugs, etc.
  • Cost of tests, visits, fees, etc. relating to diagnosis
  • Any unnecessary medical treatment or procedure

4963 Royal Sundaram Cashless Network Hospitals in India

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Critical Illness Lumpsum User Reviews

4.6
Rating based on
184 User reviews
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What users are saying
  • All
  • Perfect scheme..

    I didn’t get any tension while going through the treatment of my cancer disease. This happened just due to the fact that I had this plan with me. It comes with great benefits and greater services to settle the claims fastly.

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    V
    By Varun Prasad
    On: Feb 18, 2020
  • Bad deal to have!

    This plan is not good. It kept me waiting for their approval while taking the costly treatment. It’s expensive, slow and bad in caring its customers.  

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    A
    By Arun Jain
    On: Feb 18, 2020
  • Great health plan!

    There are very limited plans available in the market to deal with critical illness. I am using this policy as a great assistance in the treatment of my critical illness. I was very afraid thinking of the expenses but this plan helped me a lot in deal with all that. I hold respect for this plan. 

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    M
    By Manish Kumar
    On: Feb 05, 2020
  • Very reliable!!

    Be it money or be it services, this plan excels in delivering every aspect. I bought this plan from insurancedekho.com. They recommended me to go for this plan and I found their advice very apt as it suited every of my medical requirement as I described to the executive before buying. 

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    S
    By Sana Khan
    On: Feb 05, 2020
  • Prompt service.

    This health insurance plan is a great help for those whosoever is aiming and planning for a safe and secure future. It has safeguarded me from major critical illnesses. I have made a claim once and got my request approved very fast. It is a perfect for a perfect life ahead. 

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    R
    By Rekha Lankesh
    On: Jan 22, 2020
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Royal Sundaram Critical Illness Lumpsum Expert Review

  • Expert Review

    The Critical Illness Lumpsum Plan provides coverage for some specified critical diseases or illnesses. This health insurance policy is offered on an individual basis but allow the coverage of self, spouse, dependent children, dependent parents and other dependent members who hold any legal relationship with the proposer. The plan provides coverage for several critical medical conditions and illnesses. Some of the highlighted illnesses are Open Chest CABG, Third Degree Burn, Cancer of Specified Severity, Major Organ/Bone Marrow Transplant, First Heart Attack of Specified Severity, Kidney Failure and so on. 

    People who fall in between the age group of 91 days and 65 years can avail this health insurance policy. It is available for a policy period of 1, 2 and 3 years, where a discount of 2% and 2.5% is offered for buying the policies with 2 and 3 year policy tenure. It comes with lifelong renewability option and a sum insured amount of Rs. 25,000 to Rs. 25 Lakh, which is based on the age and risk profile of the customer. This policy owns an easy and smooth enrollment process, where to enrol yourself in this plan, you are required to be in a good health condition and have to sign the health declaration form.

  • Major Attractions

    The plan is stuffed with several attention-drawing elements. Some of them directly provide benefits to policyholders and make them stay associated with the insurer for a long period of time. Here are some salient features of the Critical Illness Lumpsum Plan which function as its major highlights:

    • Cover is provided on an individual basis
    • Coverage offered against 9 critical illnesses
    • Age of entry lies between 91 days and 65 years
    • Bear 50% & 100% expense of the medical examination
    • Sum insured ranges between Rs. 25,000 and Rs. 25 Lakh
    • 2% and 2.5% discount for purchasing the plan with 2 and 3 year policy term 
    • Payment of premium by cheque, demand draft, credit and debit card etc.
    • Medical examination is needed for persons of 35+ years as per the plan chosen

  • What’s More?

    The Critical Illness Lumpsum Plan is a policy to assist you for the treatment of prolonged illnesses and beat the impact of sky-rocketing inflation in the medical sector. The benefits provided under this policy comes as huge support, which makes it an absolute choice for every policy seeker. Here are some added components of this plan:

    • A grace period of 30 days is offered
    • Free-look period of 15 days is given
    • Lifelong renewability option is available 
    • Plan coverage term is available for 1, 2 and 3 years 
    • Tax deduction under Section 80D of Income Tax Act, 1961

  • Conclusion

    This Critical Illness Lumpsum Plan is a marvellous plan that can help anyone to find the best treatment for different critical diseases. Its extensive coverage can easily make you fight against the costly treatment of critical illnesses, which is generally unaffordable for many. 

    Those willing to purchase this plan should buy it through the online mode rather than offline. It will make your payment purchase simple and terms and conditions more transparent. The InsuranceDekho is one of the best places to make the purchase for Critical Illness Lumpsum Plan as it delivers its assistance for portability, claim settlement, and various other after-sales services. 

Royal Sundaram Critical Illness Lumpsum Brochure

  • 256.08 KB
  • PDF Document
  • Sep 25, 2019
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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.

FAQs on Critical Illness Lumpsum Health Insurance Plan

  • What is the range of the sum insured amount offered under this plan?

    The sum insured amount under the Critical Illness Lumpsum Plan ranges between Rs. 25,000 and Rs. 25 Lakh.  

  • Who all can get the coverage under the Critical Illness Lumpsum Plan?

    The Critical Illness Lumpsum Plan policy is available on an individual basis but allows family members to get covered under it that includes Self, Spouse, Dependent Children, Dependent Parents and other Dependent members who hold any legal relationship with the Proposer.

  • What is the age eligibility offered under this health insurance plan?

    The eligible age of entry under this policy ranges from 91 days to 65 years.

  • When does the coverage term end under the Critical Illness Lumpsum Plan?

    The coverage term ends with the end of the policy period only unless renewed.

  • Does this plan cover the expenses of medical examination?

    Yes, the insurer bears 50% & 100% expenses incurred on the medical examination for 1 year policy and more than 1 year policies respectively. 

  • How many critical illnesses are covered under this plan?

    This Critical Illness Lumpsum Plan offers coverage for 9 critical illnesses. 

  • What are the diseases or illnesses which are covered under the Critical Illness Lumpsum Plan?

    The critical or major illnesses which are covered under this plan comprise of:
    1. Open Chest CABG
    2. Third Degree Burns
    3. Cancer of Specified Severity
    4. Major Organ/Bone Marrow Transplant
    5. First Heart Attack of Specified Severity
    6. Kidney Failure requiring Regular Dialysis
    7. Stroke Resulting in Permanent Symptoms
    8. Multiple Sclerosis with Persisting Symptoms
    9. Open Heart Surgery for Replacement or Repair of Heart Valves

  • Does the Critical Illness Lumpsum Plan offer lifelong renewability option?

    Yes, the feature of lifelong renewability is available under the Critical Illness Lumpsum Plan. 

  • Is any discount offered under the Critical Illness Lumpsum Plan?

    The discount of 2% and 2.5% is given on the purchase of policies with 2 years and 3 years tenure.

  • Can I gain any tax benefit with this health insurance plan?

    This Critical Illness Lumpsum Plan is approved by IRDAI and its premium amount is applicable to get an exemption from income tax as per the section 80D, subject to the relevant provisions of the Income Tax Act 1961.

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