Royal Sundaram Family Plus Health Insurance

The policy has several notable highlights, which provides the surety to offer the most comprehensive coverage. This plan functions on a motto to provide with as many value-added services as possible to appease the customers. In addition to this, some optional covers or add-on options are also stuffed in the scheme for getting the coverage extended anytime. Inclusions of the plan are listed with the features like in-patient hospitalisation, pre and post -hospitalisation cover, and so on. However, here are some other attractive elements of the plan:

• Ambulance cover is offered
• Provision of the second opinion for critical illness
• Availability of emergency domestic evacuation
• Coverage for maternity and newborn is available   
• The cost incurred on the health check-up is covered
• Hospitalisation expense for Ayush treatment is covered
• Preventive health care and wellness option is provided
• Reloading of the sum insured up to the base sum insured
• Coverage for vaccinations for newborn baby in the first year
• Domiciliary hospitalisation cover is provided up to the sum insured

Besides, excellent offerings, Family Plus Health Insurance Plan owns a variety of lucrative benefits for the policyholders. The policy offers much more discounted features and reward options than many other insurers and their health insurance policies. Following are the additional benefits available under the policy:

• The option of lifelong renewability
• Option to get your base sum insured increased by 20%, maximum up to 100%
• A discount of 15% on the premium amount for non-metro cities
• Tax benefit on the premium paid as per section 80D of the IT Act

These are the most popular components of this plan. With these many beneficial elements, it becomes quite easy to evaluate the plan as one of the best family plans in the health insurance market.  

The health insurance plans need to be understood in detail before the purchase. Hence, it is always recommended to purchase a plan from where you can get all your doubts cleared before and after the purchase. InsuranceDekho.com is one of the most preferred options for the health insurance plan purchase. It not only provides information about the plan but also helps you in understanding it thoroughly. Also, InsuranceDekho team’s assistance doesn’t stop at the sale of the policy, but they even assist their customers at the time of claim settlement process.

Up to two deliveries are covered under the plan and the limit per delivery is Rs. 50,000. New born baby cover would be available up to the base sum insured of the mother. Vaccination expenses of the new born baby would be covered for the first year up to a maximum of Rs. 10,000. Nutritional allowance for the mother would be available for up to Rs. 10,000.

Hospitalisation which is taken at home is called domiciliary hospitalisation. This type of hospitalisation is covered if the insured was in no condition to be moved to a hospital or if there was no hospital bed for accommodating the insured. Domiciliary hospitalisation is usually covered if such hospitalisation exceeds 3 days.

Yes, a discount of 15% on the premium is allowed if the insured lives in a non-metro city of India. Moreover, if a 2-year policy is bought, a discount of 7.5% is allowed and if a 3-year policy is bought a discount of 12% is allowed.

The plan covers 11 critical illnesses. If the insured suffers from any of the covered illness, the plan arranges for a medical second opinion free of cost with the company’s empanelled doctors.