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Royal Sundaram Surgical Shield Health Insurance

184 reviews Rate This
Royal Sundaram Health Insurance
Surgical Shield
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 Surgical Shield Health Insurance

Surgery or Operation is a big term for any family to face. People get fearful of the thought of the risk and the cost involved in the surgical procedure. Also, every family tries to get the procedure done in a reputed hospital from an experienced surgeon or doctor. The Surgical Shield Plan offered by Royal Sundaram is designed to provide a comprehensive surgical hospitalisation cover to its policyholders and insured members. It allows the policyholder to cover self, spouse and kids (above the age of 90 days) from all sorts of surgical worries. With this plan in the bucket, you can easily afford any type of surgery.

The Surgical Shield Insurance Policy gives you access for value-added services like cashless treatment at network hospitals, 24 hrs helpline and so on. It ensures that you and your family get the best surgical medical treatment. It is a family policy where the family includes policyholder, spouse and dependent children. Medical insurance is available to persons between the age of 91 days and 65 years at the policy start date, whereas the policyholder should have a minimum age of 18 years on the policy start date. The plan offers several benefits related to surgeries with the option of lifelong renewability.

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Key Inclusions and Exclusions of the Plan

What's Included

  • Hospital cash is offered
  • Coverage for diagnostic benefit
  • Emergency ambulance is covered
  • Sum Insured of Rs. 3 Lakh is provided
  • Fixed amount is paid as surgical benefit

What's Not Included

  • Cosmetic or aesthetic treatment
  • Treatment received outside India
  • Cost of any birth control procedure
  • Cost incurred towards non-allopathic treatment
  • Injury due to war, invasion, foreign enemy etc.

4963 Royal Sundaram Cashless Network Hospitals in India

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Surgical Shield User Reviews

4.6
Rating based on
184 User reviews
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What users are saying
  • All
  • Complete digitised documentati...

    The Surgical Shield health insurance plan of Royal Sundaram for my father has turned out to be the best investment I have ever done. On InsuranceDekho website, the whole process was digitalised. I didn’t have to go through any paperwork and got the policy document via mail. It is easy to carry during emergencies. 

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    D
    By Deborshi Nag
    On: Nov 03, 2020
  • Thumbs up!

    I am very thankful to this health plan. This has given me an affordable treatment. I invested a good amount of money and time in this policy for which I have got a great return for sure. Insurance Dekho is an ideal way to go for the surgery with. Thumbs up to this policy. 

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    N
    By Neerav Yadav
    On: Feb 20, 2020
  • Easy to go plan.

    My efforts got paid when I found this plan on the advises of insurancedekho.com. There are many benefits and features in this plan. When I purchased this scheme I was very much concerned in terms of health and financial risk involved in the surgical procedures. I was very chill while using this plan.

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    A
    By Ahaan Kapoor
    On: Feb 20, 2020
  • Helpful health plan!

    I never got any problem with this plan in any manner. They gave me the promised benefits, they gave me the promised sum insured and they helped me swiftly in getting the claim. In short, it is a great policy which never whistled me down the wind during the surgical situations and other medical emergencies. 

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    P
    By Prateek Barara
    On: Feb 05, 2020
  • Not that good!

    I don’t find this plan good enough to appreaciate. Though it helped me in getting the coverage for my cardiovascular surgery but I had to fight a lot to gain that. During a critical period where I needed rest my family had to be in a constant touch to attain the claim.. This is an average plan not a good one. 

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    D
    By Deepti Sharma
    On: Feb 05, 2020
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Royal Sundaram Surgical Shield Expert Review

  • Expert Review

    The Surgical Shield Plan offers hospitalisation coverage for surgical treatments. With this policy, policyholders can go through different types of surgical procedures and access to benefits like cashless treatment in network hospitals, emergency ambulance, diagnostic benefit and so on, which makes it a truly beneficial plan. For any person, surgery is a big thing to cope up with either in terms of money involved or risk included in the procedure. Hence, the plan is given on a family basis where family comprises of policyholder, his/her legal spouse and dependent children. 

    Surgery is not needed by old people only but even a kid may need to go through it. The coverage under this insurance plan is available to persons between the age of 91 days and 65 years at the policy start date, which makes it possible for anybody and everybody to get covered. The plan is available with the option of lifelong renewability that means it allows you to get covered under this plan for a lifetime, if renewed timely. It comes with a sum insured amount of Rs. 3 Lakh from which a specific percentage of amount is paid to the insured individual as per the category chosen. The plan is available for 1 year.

  • Major Attractions

    The Surgical Shield Plan is equipped with various attention-drawing components. Majority of these are highly attractive and directly offer enough benefits to policyholders to make them stay associated with the insurer for a long period of time. Here are some of those features of this policy:

    • Cover is given on a family basis
    • Policy period of 1 year is available 
    • Sum Insured is offered for Rs. 3 Lakh
    • Coverage age between 91 days and 65 years
    • Claims settlement by Third Party Administrator (TPA)
    • Hospital cash of Rs. 250 for every 24 hours of hospitalisation
    • Ambulance expenses offered with the maximum payout of Rs. 1000 per claim
    • Diagnostic Benefit subject to a limit of Rs. 10,000 per surgical claim

  • What’s More?

    The Surgical Shield Plan is framed to assist people during the surgical procedures and cease any financial crisis arising due to it. Apart from the features of the policy, here are some additional components attached to this plan:

    • A grace period of 30 days is offered
    • Free-look period of 15 days is given
    • Lifelong renewability option is provided 
    • Cashless hospitalisation in 3000+ network hospitals
    • Tax deduction under Section 80D of Income Tax Act, 1961

  • Conclusion

    The Surgical Shield Policy is an excellent plan by Royal Sundaram, that help people get the best surgical procedures for different medical specialities such as Gynaecology, ENT, Orthopedics, Urology, Cardiovascular System and so on, with their respective waiting periods. Its coverage makes the surgical procedures easy and affordable for people. 

    Those willing to purchase Surgical Shield Policy, you should buy it through the online mode rather than going for offline method. 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 this plan as it delivers its assistance in terms of portability, claim settlement and various other after-sale services. 

Royal Sundaram Surgical Shield Brochure

  • 225.26 KB
  • PDF Document
  • Sep 30, 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 Surgical Shield Health Insurance Plan

  • When does the policy period of this health insurance plan end?

    The end of the policy period is scheduled after 1 year of policy inception, if not renewed. 

  • What are the salient benefits available under this health insurance policy?

    The salient benefits available under this Surgical Shield Plan include Surgical Benefit, Diagnostic Benefit, Emergency Ambulance, Hospital Cash, and so on.   

  • What is the claim procedure offered under this health insurance plan?

    All claims under this policy are administered by a Third Party Administrator (TPA) appointed by the company. It is necessary that all claim intimation is sent to TPA & all claim documents are submitted to TPA.

  • What will happen if I request a claim for the medical expenses from a Non-Network Hospital?

    The benefit payable for any claims arising from a Non-Network Hospital will get reduced by 20%. In, short you will get 20% lesser claim benefit in comparison to the ones arising with network hospital.  

  • What is the sum insured provided under this Surgical Shield Plan?

    The sum insured amount of Rs. 3 Lakh is offered under this Surgical Shield Plan.

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

    The Surgical Shield Plan is approved by IRDAI and its premium amount is applicable to get an exemption from income tax as per section 80D subject to the relevant provision of the Income Tax Act 1961.

  • What is the age criteria applicable to get coverage under the Surgical Shield Plan?

    The insurance is available to persons between the age of 91 days and 65 years at the policy start date, whereas the policyholder should have a minimum age of 18 years on the policy start date.

  • Within how much time I need to report my claim?

    All claims arising under Surgical Shield Plan should be reported to the TPA within 30 days from the date of discharge from the hospital along with the required documents. 

  • Which relationships can find coverage under this health insurance policy with the proposer?

    The proposer can include his/her spouse and dependent children under this plan. 

  • Is any portability option available under this health insurance plan?

    Yes, the Surgical Shield insurance policy is portable. If the proposer desires to port to this policy, application in the appropriate form should be submitted before 45 days from the date of renewal.

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