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Royal Sundaram Hospital Cash Health Insurance

184 reviews Rate This
Royal Sundaram Health Insurance
Hospital Cash Insurance
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 Hospital Cash Health Insurance

When it comes to hospitalisation, you don’t just have to bear the expenses of treatment, procedure, and room, but much more. The other expenses such as special diet, travelling to the hospital, staying in the hospital with the patient and so on, are also expensive and become an additional burden. These are the costs which escalate the possibility of financial crunch. Hence, Hospital Cash medical insurance plan is offered by Royal Sundaram, which is designed to provide a daily cash benefit to insured members for every completed 24 hours. This benefit is given for up to a maximum period of 180 days per policy period.

The medical insurance plan is available with the lifelong renewability option for people between the age of 1 year and 70 years, where the proposer should be within 18 years to 70 years. The plan allows the coverage of different family members i.e, spouse, children, and parents. In addition to this, a discount of 10% is allowed on the premium payable if 3 or more family members are covered under the same policy. The policy ends after 1 year of policy inception, if not renewed within the stipulated time. On the other hand, if someone opts for cancelling, the coverage premium would be refunded as per the grid short period scales.

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Key Inclusions and Exclusions of the Plan

What's Included

  • Hospital confinement benefit
  • Portability option is provided
  • Family discount of 10% is given
  • Coverage term of 1 year is offered
  • Free look-in period of 15 days is available

What's Not Included

  • Outpatient treatment charges
  • Hormone replacement therapy
  • Any treatment received outside India
  • Any routine or preventative examinations
  • Treatment of mental conditions, insanity, etc.

4963 Royal Sundaram Cashless Network Hospitals in India

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Hospital Cash Insurance User Reviews

4.6
Rating based on
184 User reviews
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What users are saying
  • All
  • Very great plan..

    This plan provided me with different offerings such as from hospital confinement benefit to daily expenses. It is an affordable policy which delivered me the best offerings including the expenses related to room cost, special diet, travelling and staying in the hospital etc. It actually helped me find a good amount of help.

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    M
    By Manish Kumar
    On: Feb 20, 2020
  • Thanks to this policy!

    It offered me a great help during my hospitalisation period. It gave me a perfect benefits which were increasing my expense during the admission phase. It is committed to deliver a regular financial help to policyholders. The policy prevented every possibility of financial crisis which I may had to face. Thanks to this plan.

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    B
    By Bhuvan Singh
    On: Feb 20, 2020
  • Appreciable Plan!

    I am a user of this policy who is associated with it for more than 2 year. There are many benefits under this plan. I got its policy on the recommendation of insurancedekho.com, and I am very happy with their suggestion. I got constant helped with cash during my hospitalisation. 

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    A
    By Akshat Awasthi
    On: Feb 05, 2020
  • Highly useful..

    This insurance plan is very helpful and economical. It is committed to provide me with a constant financial assistance and to put a stop to the possibility of any monetary crisis due to the cost of medical treatment other than common or basic admission expenses. I can say that this is a great health policy. 

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    A
    By Anjali Bansal
    On: Feb 05, 2020
  • Encash this plan.

    This plan is available at a very reasonable price. With this benefit, I easily managed to stay longer in the hospital during my illness. It offered me daily expenses for diet plan, travelling, companion’s cost of staying, and so on. These costs are also very impactful but this policy really helped me out. 

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    T
    By Tushar Garg
    On: Jan 23, 2020
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Royal Sundaram Hospital Cash Insurance Expert Review

  • Expert Review

    The Hospital Cash Insurance Plan offers the hospital confinement benefit at a very reasonable price. With this benefit, the plan eases the stay of policyholders in the hospital by offering them daily expenses incurred on the events other than treatment and room cost, such as special diet, travelling to the hospital, staying in the hospital with the patient and so on. It looks that the costs incurred other than in-patient hospitalisation are lower, but it is enough impactful to give you a touch of monetary crisis. 

    Also, anybody of any age can get hospitalised. Keeping this in mind, the individuals from the age group of 1 year and 70 years are allowed to have this plan. The plan offers a discount of 10% for covering 3 or more members in a single policy. These many benefits confirm this policy to be a beneficial choice for everyone in the family and with your existing health insurance plan, it can make your complete treatment free of cost. 

  • Major Attractions

    The Hospital Cash Insurance Policy is stuffed with an abundance of benefits to deliver an easy treatment process. Following are major highlights of this plan:

    • 1 year coverage term
    • Hospital confinement benefit
    • Family discount of 10% is given
    • Free look-in period of 15 days is available
    • Sum Insured from Rs. 500 to Rs. 3500 per day
    • Premium is refunded on cancelling the coverage
    • Sum Insured can be changed at the time of renewal

  • What’s More?

    Apart from these features and benefits of this plan, some other elements are there for which it is widely acknowledged. Some of them are:

    • Portability option is provided
    • A grace period of 30 days is offered
    • Tax benefit as per the section 80D of IT Act

  • Conclusion

    The Hospital Cash Insurance Policy is a quite beneficial and affordable plan. The plan is committed to offer constant monetary help to policyholders and prevent the possibility of any financial crunch due to the expenses other than basic hospitalisation expenses. Go for this plan without giving any second thought. 

    You can opt for this plan online as well as offline. However, online purchase is always better and we would also recommend to buy this policy from InsuranceDekho which is one of the best health insurance brokers in the market. Buying the plan from insurancedekho.com will give transparency to complete policy detail, understanding of the plan, claim settlement assistance and so on.    

Royal Sundaram Hospital Cash Insurance Brochure

  • 111.75 KB
  • PDF Document
  • Oct 03, 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 Hospital Cash Insurance Health Insurance Plan

  • What is the amount of sum insured available under this policy?

    The sum insured under this plan ranges from Rs. 500 to Rs. 3500 per day.   

  • What is the entry age for Hospital Cash Insurance Plan?

    The age of entry under this policy is between 1 year and 70 years.

  • What are the relations that can get covered under this plan?

    The plan allows relationships such as spouse, dependent children and dependent parents. 

  • Is any discount delivered to policyholders under this policy?

    Yes, a discount of 10% is allowed on the premium payable if 3 or more family members are covered under the same policy.

  • What is the coverage term offered under this health insurance policy?

    The coverage term of the Hospital Cash Insurance Plan is of 1 year. 

  • What will happen if I cancel the coverage of Hospital Cash Insurance Plan in between?

    If you cancel the coverage of this plan in between, then your premium would be refunded as per the grid short period scales.

  • What benefits I would get under this plan?

    The major benefit you would get under this plan is Hospital Confinement Benefit. Under this benefit in the event of hospitalisation for more than 24 hours, the insured will get daily benefit for every completed 24 hours for a maximum period of 180 days.

  • Does this Hospital Cash Insurance Plan own a lifelong renewability option?

    Yes, the insurer gives the option of lifelong renewability to its policyholders.

  • When can I change my sum insured amount under this plan?

    Any change in the amount of the sum insured can be considered only at the time of renewal.

  • Is my Health Cash Insurance Policy portable?

    Yes, your Hospital Cash Insurance is portable. If you want to port your policy, then you are required to send the application in the appropriate form 45 days prior to the date of renewal.

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