What is the sum insured amount offered under this plan?

The sum insured amount offered under this policy is limited between Rs. 1 Lakh and Rs. 5 Lakh.

What should be my age to get coverage under this plan?

To get covered under this plan, your age must be between 91 days and 75 years.

Is there any critical illness benefit offered under the Health Forever Plan?

Yes, critical illness benefit is offered under this policy. Under this benefit, a lump sum benefit of Rs. 15000 is payable, if the person is diagnosed as well as treated for any major illness such as stroke, cancer, organ transplant, or coronary artery bypass graft (CABG). This critical illness benefit is payable from the 2nd year of the plan and is applicable to be paid only once in the whole life of the insured member per illness.

Does Health Forever Plan offer any bonus to its policyholders?

Yes, a cumulative bonus is provided by Health Forever Plan. Under this, the Sum Insured for hospitalisation benefit is increased by slabs of 15% for every claim-free year, subject to a maximum of 4 slabs. In case of a claim under the policy, the earned bonus will be reduced by 1 slab.

What is the coverage term of Health Forever Plan?

The Health Forever Policy can be issued for different policy periods such as 1, 2 and 3 years.

Is there any discount offered under this health insurance plan?

Yes, a family discount of 10% is allowed for covering 3 or more members. The discount offered will be withdrawn on renewal if the no.of members covered is less than 3.

Does Health Forever Plan offer convalescence benefit?

Yes, Health Forever Plan offers convalescence benefit. Under this benefit, if the period of hospitalisation exceeds consecutive 15 days, a lump sum amount of convalescence expense of Rs. 15,000 is given.

What should be my health condition to get covered under this policy?

To get covered under the Health Forever Policy, you are required to be in good health, have understood and signed the health declaration form.

How many network hospitals offer cashless hospitalisation for this plan?

Health Forever Plan provides the benefit of cashless cover in 3000+ network hospitals tied up with Royal Sundaram.

How much tax benefit can I earn out of this plan?

The plan allows the earning of tax benefits as per the section 80D of the IT Act up to Rs. 25,000 for the premium amount paid for self, spouse and dependent kids. For dependent parents the additional tax rebate up to Rs. 30,000. For premium paid for senior citizens, the tax benefit is up to Rs. 50,000.

Royal Sundaram Health Forever 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 Health Forever Brochure

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Sep 13, 2019

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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

4963 Royal Sundaram Cashless Network Hospitals in India

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FAQs on Health Forever Health Insurance Plan

What is the sum insured amount offered under this plan?
The sum insured amount offered under this policy is limited between Rs. 1 Lakh and Rs. 5 Lakh.
What should be my age to get coverage under this plan?
To get covered under this plan, your age must be between 91 days and 75 years.
Is there any critical illness benefit offered under the Health Forever Plan?
Yes, critical illness benefit is offered under this policy. Under this benefit, a lump sum benefit of Rs. 15000 is payable, if the person is diagnosed as well as treated for any major illness such as stroke, cancer, organ transplant, or coronary artery bypass graft (CABG). This critical illness benefit is payable from the 2nd year of the plan and is applicable to be paid only once in the whole life of the insured member per illness.
Does Health Forever Plan offer any bonus to its policyholders?
Yes, a cumulative bonus is provided by Health Forever Plan. Under this, the Sum Insured for hospitalisation benefit is increased by slabs of 15% for every claim-free year, subject to a maximum of 4 slabs. In case of a claim under the policy, the earned bonus will be reduced by 1 slab.
What is the coverage term of Health Forever Plan?
The Health Forever Policy can be issued for different policy periods such as 1, 2 and 3 years.
Is there any discount offered under this health insurance plan?
Yes, a family discount of 10% is allowed for covering 3 or more members. The discount offered will be withdrawn on renewal if the no.of members covered is less than 3.
Does Health Forever Plan offer convalescence benefit?
Yes, Health Forever Plan offers convalescence benefit. Under this benefit, if the period of hospitalisation exceeds consecutive 15 days, a lump sum amount of convalescence expense of Rs. 15,000 is given.
What should be my health condition to get covered under this policy?
To get covered under the Health Forever Policy, you are required to be in good health, have understood and signed the health declaration form.
How many network hospitals offer cashless hospitalisation for this plan?
Health Forever Plan provides the benefit of cashless cover in 3000+ network hospitals tied up with Royal Sundaram.
How much tax benefit can I earn out of this plan?
The plan allows the earning of tax benefits as per the section 80D of the IT Act up to Rs. 25,000 for the premium amount paid for self, spouse and dependent kids. For dependent parents the additional tax rebate up to Rs. 30,000. For premium paid for senior citizens, the tax benefit is up to Rs. 50,000.

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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