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Royal Sundaram Surgical Shield Health Insurance

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Royal Sundaram Health Insurance
Surgical Shield
Claim Settlement Ratio92%
Pre-existing Disease Waiting Period3 years
Starting Premium of Rs. 5 lakhs SIRs. 382/month
Network Hospitals10,000+
Special BenefitsModern Treatments Such as Bariatric Covered

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.

2696 Royal Sundaram Cashless Network Hospitals in India

Surgical Shield User Reviews

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What users are saying
  • All
  • The Surgical Shield health insurance plan of Royal Sundaram for my father has turned out to be the best invest...

    Read More
    By Deborshi Nag
    On: Nov 03, 2020
  • I am very thankful to this health plan. This has given me an affordable treatment. I invested a good amount of...

    Read More
    By Neerav Yadav
    On: Feb 20, 2020
  • My efforts got paid when I found this plan on the advises of There are many benefits and f...

    Read More
    By Ahaan Kapoor
    On: Feb 20, 2020
  • I never got any problem with this plan in any manner. They gave me the promised benefits, they gave me the pro...

    Read More
    By Prateek Barara
    On: Feb 05, 2020
  • I don’t find this plan good enough to appreaciate. Though it helped me in getting the coverage for my ca...

    Read More
    By Deepti Sharma
    On: Feb 05, 2020

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

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.

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