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HomeHealth InsuranceRoyal SundaramHealth XS and Super Health XS Plan

Royal Sundaram Health XS and Super Health XS Health Insurance

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Royal Sundaram Health Insurance
Health XS and Super Health XS Plan
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 Health XS and Super Health XS Health Insurance

Investing in health is considered as the most fruitful decision. The traditional health insurance policies provide quite basic covers; thus, complete dependence on this is the wrong choice. Also, seeing the magnitude and frequency of health issues it has become challenging to gauge the level of preparation you should have. Nowadays, illnesses and related complications seek much more than what you are prepared for. Therefore, Royal Sundaram General Insurance Company Ltd. has come up with a plan called Health XS Policy and Super Health XS Policy, which is a top-up plan.

This Royal Sundaram health insurance plan is offered for a policy period of 1, 2 and 3 years. It provides coverage for people between the age group of 91 days and 65 years. The major difference between Health XS and Super Health XS Plan is the application of the deductible. Under Health XS Policy, the deductible is generally applied on every admissible claim, whereas under Super Health XS Policy, it is applied to the total of all relevant claims per annum. This health insurance policy is specially framed to offer holistic protection to self, spouse and dependent children for different features and rider cover.

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Key Inclusions and Exclusions of the Plan

What's Included

  • In-patient hospitalisation cover is offered
  • Pre and post hospitalisation expenses are covered 
  • Hospital Cash of Rs. 2000 for each completed 24 hrs of hospitalisation 
  • Ambulance charges of Rs. 1000 is provided per claim  
  • Cashless cover offered at more than 3000 network hospitals

What's Not Included

  • Cost of weight control programs, surgeries, and so on is not covered
  • Cost incurred on Cytotron Therapy, Hormone replacement therapy etc.
  • Treatment of self-inflicted injuries
  • Expenses on vitamins and tonics unless required
  • Expenses of routine examinations, vaccinations. etc. are not borne

4963 Royal Sundaram Cashless Network Hospitals in India

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Health XS and Super Health XS Plan User Reviews

4.6
Rating based on
184 User reviews
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What users are saying
  • All
  • Impressive deal

    This is a top class top-up plan which let my coverage get enhanced. After purchasing this plan I got relieved by getting additional coverage. It is a great thing which matters when you find yourself in a bad health state. Very glad to find this plan and impressed with their benefits.

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    S
    By Saurabh
    On: Feb 20, 2020
  • Not good one!

    Not a great plan. It delivered very late service to me which gave me humiliation, harassment as I had to pay the bill from my pocket. The claim settlement request of mine got delayed very much. I am not at all impressed with this policy and won’t be recommending this to anyone else.

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    G
    By Gaurav Singhal
    On: Feb 20, 2020
  • Top class scheme!

    I bought this plan thinking its offerings which can enhance the benefits of my existing insurance plan. I found this top-up plan affordable as well as beneficial in terms of coverage amount and claim settlement process. I adore this plan as it always there to support me and combat the medical emergencies.

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    M
    By Mansi Kataria
    On: Feb 06, 2020
  • A fruitful decision!

    This plan gave me a comprehensive coverage at an affordable rate. This is a health plan available for individuals and families both. It can give cover to self, spouse and children. It provides a wide array of features which gave me a lot of peace of mind during medical crisis. Choosing this plan is a good decision.

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    P
    By Pradeep Soni
    On: Feb 06, 2020
  • Keeps me protected.

    This is a top-up plan that I bought as a plan B to never get failed in getting health treatment. I have faced a situation where my existing plan got exhausted and I had to make a payment from my pocket. This is a perfect partner when it comes to health. 

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    A
    By Amir Siddhiqui
    On: Jan 23, 2020
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Add-ons to Enhance Benefits

  • Accidental Death Benefit

    The Accidental Death Benefit provides an amount to the nominee in the event of accidental death. The sum insured amount under this benefit ranges between Rs. 1,00,000 and Rs. 50,00,000. 

Royal Sundaram Health XS and Super Plan Expert Review

  • Expert Review

    The Health XS and Super Health XS Plan is a top-up plan which offers comprehensive coverage at a reasonable price. This health insurance policy is available on an individual as well as on a family floater basis. It can offer coverage to self, spouse and dependent children. It provides a wide range of benefits that delivers relief to users or policyholders during several medical conditions. Some of the highlighted features covered under this plan include in-patient hospitalisation, daycare treatment, ambulance charges, hospital cash benefit and accidental death benefit as a rider.  
     
    The Health XS and Super Health XS Plan allows the coverage for people who falls between the age group of 91 days and 65 years. This top-up insurance policy is available for a coverage term of 1, 2 and 3 years with an option of lifelong renewability which allows it to have more people get covered under the plan and that too for a long term. The plan offers the sum insured amount ranging from Rs. 2 Lakh to Rs. 15 Lakh, under different variants. This plan has a simple procedure of enrollment 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 Health XS and Super Health XS Plan acquires various components that assist the policyholders in protecting their loved ones. The policy is widely appreciated due to many of its features, which are as follows: 

    • In-patient hospitalisation expenses are covered
    • Accidental Death Benefit is offered as a rider cover
    • Ambulance charges of Rs.1000 per admissible claim
    • Cashless hospitalisation in 3000+ network hospitals 
    • Costs of pre and post hospitalisation expenses are given 
    • Daycare treatment, advanced surgeries and procedures
    • Relevant cost of medical examination is borne by the insurer 
    • Hospital Cash of Rs. 2000 for each completed 24 hours of hospitalisation

  • What’s More?

    In addition to several benefits offered by the Health XS and Super Health XS Plan, it has some additional elements too, which attracts new customers and retain the existing ones. Following are some additional components of this top-up plan:

    • A grace period of 30 days is given
    • Free-look period of 15 days is offered
    • Plan coverage term of 1, 2 and 3 years 
    • Lifelong renewability option is available
    • A tax benefit is provided on the premium amount

  • Conclusion

    The Health XS and Super Health XS Plan can easily be concluded as a saviour and suitable plan for all. This plan offers coverage much broader than the ones offered by basic plans. It is a plan which offers plenty of benefits to safeguard you and your family from various types of medical emergencies and financial crunches that may erupt anytime during the course.  

    Purchasing a health insurance policy is always preferred online. It eases the purchase process and helps in keeping up the transparency as well. InsuranceDekho, a health insurance broker firm, is the perfect spot to select and buy a health insurance policy, as the firm is deeply committed to delivering every possible assistance related to health insurance to its customers. 

Royal Sundaram Health XS and Super Health XS Plan Brochure

  • 462.36 KB
  • PDF Document
  • Sep 23, 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 Health XS and Super Health XS Plan Health Insurance Plan

  • What are the relations that can get the coverage under Health XS and Super Health XS Plan?

    This policy is specially designed to offer complete protection to self, spouse and dependent children.  

  • Is any rider cover offered under this plan?

    Yes, an Accidental Death Benefit is provided under this plan, where an amount would be paid to the nominee in the event of the death of the insured.

  • What is the coverage term of Health XS and Super Health XS Plan?

    The plan is available with the coverage term of 1, 2 and 3 years. 

  • What is the age of entry offered under this plan?

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

  • What is all covered under in-patient hospitalisation cover?

    The coverage under the in-patient hospitalisation cover comprises of Room and Boarding Expenses; Nursing Expenses; Surgeon, Medical Practitioner, Consultants & Specialist Fees; Anaesthesia; Oxygen; Blood; Operation Theatre Charges; and so on. 

  • Does the Health XS and Super Health XS Plan bear the ambulance charges?

    Ambulance charges of Rs. 1000 are reimbursed per admissible claim on producing the bills in original.

  • Is any hospital cash offered under this health insurance plan?

    Yes, the insurer will be making the payments of Rs. 2000 for each completed 24 hrs of hospitalisation subject to a maximum of 10 days per annum. This feature is applicable only for Sum Insured of more than Rs. 2 Lakh.

  • Does this plan offer lifelong renewability option?

    Yes, the feature of lifelong renewability is available under this policy. 

  • How much cost of medical examination is borne under this health policy?

    The insurance firm will bear 50% cost of medical examination for 1 year plan and 100% cost of medical examination for more than 1 year policy. 

  • Can I gain any tax benefit with the Health XS and Super Health XS Plan?

    Yes, this plan is IRDA approved and its premium is eligible to get an exemption from income tax under section 80D of the Income Tax Act 1961.

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