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Royal Sundaram Total Health Advantage Health Insurance

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Royal Sundaram Health Insurance
Total Health Advantage
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 Total Health Advantage Health Insurance

Health is one of the most crucial elements of life. Therefore, it needs to be taken care of constantly. But, many people find it quite expensive to deal with their medical conditions. Here, Total Health Advantage Plan, a medical insurance policy, comes into play. It is designed for individuals as well as families, where it delivers multiple benefits at affordable prices. Investing in it can help people in saving their funds during a medical emergency. The plan is equipped with several features and plan coverage, which ultimately bring in great relief in medical and financial terms.

Total Health Advantage Plan is divided into three variants, i.e., Silver, Gold and Platinum plans. People between the age group of 91 days and 65 years can get coverage under this plan with a policy period of 1 and 2 years. The sum insured available under this plan ranges between Rs. 2 Lakh and Rs. 20 Lakh. As the plan can be offered on an individual basis as well as on a family floater basis, there are several relations that can get coverage under it such as self, spouse and dependent children, which indicates that either one or all together can have medical claim up to the limit of sum insured.

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Key Inclusions and Exclusions of the Plan

What's Included

  • In-patient hospitalisation coverage 
  • Pre and post hospitalisation expenses
  • Expenses incurred on daycare treatment
  • Coverage offered for ambulance charges
  • Health check up-reimbursement is offered 

What's Not Included

  • Admission for diagnostic studies alone
  • Cost of weight control programs, surgeries, etc. 
  • Cosmetic surgery, aesthetic or related treatment
  • Routine examinations, vaccinations, etc.
  • Expenses towards non-allopathic treatment

4963 Royal Sundaram Cashless Network Hospitals in India

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Total Health Advantage User Reviews

4.6
Rating based on
184 User reviews
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What users are saying
  • All
  • A great plan!

    It is framed for families as well as individuals. After using it I got to know that it delivers multiple features at reasonable prices. Buying this health plan helped me a lot in saving my savings during a medical crisis. The policy is stuffed with various benefits and plan coverage, which gave me a great relief in terms of financially and medically. 

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    M
    By Megha Yadav
    On: Feb 18, 2020
  • Value for money plan.

    This Total Health Advantage is a value for money plan. I got it from the insurancedekho.com after a vast range of inquiries. They suggested me after knowing my income, needs, family size and so on. But now I have full faith in them as their suggestion is great and relevant. 

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    L
    By Lokesh Ranjan
    On: Feb 18, 2020
  • Very safe!

    I have explored all the benefits and features, plan coverage and other components of this plan. I found it a perfect family policy and a good to go and value for money plan. It has safeguarded me and my family for last one year during all the medical emergencies. 

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    A
    By Arti Sharma
    On: Feb 04, 2020
  • Best for families!

    After using this plan I got to know that no financial crunch can touch me till I have this plan. It gives great offers and benefits that I couldn’t refuse. I am in the best of my abilities have used this plan and have recommended this plan to all my relatives and friends. 

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    V
    By Varun
    On: Feb 04, 2020
  • Incredible!

    I bought this plan from Insurance Dekho company and I am very happy with its services as it delivered me multiple benefits at affordable prices. Investing in it helped me in saving a lot of my money during the medical emergency. It has several features and plan coverage that gave me a great relief since its purchase. 

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    T
    By Tanmay Kumar
    On: Jan 22, 2020
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Royal Sundaram Total Health Advantage Expert Review

  • Expert Review

    The Total Health Advantage Plan is framed to look after the individual as well as family members. The policy tries to deliver maximum coverage with multiple benefits. Its availability in three different variants allows it to cater to people with diverse financial strata. Also, it owns several benefits, such as in-patient hospitalisation, hospital daily cash, ambulance charge expenses, and so on. In addition to these, the name of Royal Sundaram General Insurance Company Limited, in its association, enhances the reliability among the policyholders.
     
    The plan is equipped with lifelong renewability option which enables it to provide coverage for long term. This plan allows the entry of people within the age group of 91 days and 65 years and is offered for a coverage term of one and two years. Inclusion of maternity benefit, out-patient expenses, health check-up, and so on, makes the plan a better choice, among others. The Total Health Advantage Plan comes with the sum insured amount that ranges from Rs. 2 Lakh to Rs. 20 Lakh. The entry in this plan is simple, and you just need to be in good health, have understood and signed the health declaration form.

  • Major Attractions

    The Total Health Advantage Plan is considered to be a comprehensive and economic health insurance policy. The plan offers a wide range of coverage but still gain attention due to some valuable benefits. It is always ranked high when put in the competition due to its rewarding offerings which are as follows: 

    • In-patient hospitalisation expenses are covered
    • Cashless hospitalisation in 3000+ network hospitals 
    • Maternity benefit offered up to 10% of the SI maximum up to Rs. 20000  
    • Dental care is provided with 25% co-pay given once in 4 completed years
    • Health check-up is reimbursed after every 4 consecutive claim-free year
    • Spectacles/hearing aid is offered with 25% co-pay given once in 4 completed years
    • Hospital cash of up to Rs. 500 in Silver and Gold variants, while up to Rs. 2000 is offered in Platinum variant
    • Ambulance charges of up to Rs. 1500 is given under Silver and Gold variants, while up to Rs. 5000 under Platinum variant

  • What’s More?

    Even after delivering a lot, the Total Health Advantage Plan holds some more components to impress, attract and retain the policyholders. Here are some additional elements which deliver comfort to customers for utilising the plan: 

    •  Free-look period of 15 days is given
    • Plan coverage term of 1 and 2 years 
    • Grace period of thirty days is offered 
    • Lifelong renewability option is available
    • Tax benefit is provided on the premium

  • Conclusion

    Having explored the features, plan coverage and other elements of the Total Health Advantage Plan, it can be considered as a perfect family plan. It is a good to go and value for money policy which can easily safeguard you and your family from a medical emergency and financial crisis that might arise.

    It is always good to choose a health insurance policy through an online mode. Choosing the policy online will not only speed up the procedure but also transparency is maintained as well. InsuranceDekho, a health insurance broker firm, is considered a perfect place to buy the plan as they promise their customers of delivering thorough comparison of plans, policy-related assistance, claim settlement support, and much more. 

Royal Sundaram Total Health Advantage Brochure

  • 650.29 KB
  • PDF Document
  • Sep 17, 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 Total Health Advantage Health Insurance Plan

  • What is the sum insured offered under Total Health Advantage Plan?

    The sum insured amount offered under this plan ranges from Rs. 2 Lakh to Rs. 20 Lakh.

  • Who all from my family can get coverage under this plan?

    This policy offers the health cover to self, spouse, and dependent children.   

  • Is maternity benefit available under the Total Health Advantage Plan?

    Yes, the option of maternity benefit is offered under the Total Health Advantage Plan with a waiting period of 3 years. Also, this feature is available only under the Silver variant where it provides 10% of the SI subject to a max of Rs. 20000. 

  • Does the Total Health Advantage Plan offer daycare treatment coverage?

    Yes, the plan offers the coverage for medical expenses related to daycare procedures, which require hospitalisation for a period less than 24 hours.

  • What is the coverage term of Total Health Advantage Plan?

    The Total Health Advantage Plan is available with the coverage term of 1 and 2 years. 

  • Does this policy cover the ambulance charges?

    Yes, the charges of emergency ambulance is covered under this plan. The coverage is provided for up to a sum of Rs. 1500 per hospitalisation under Silver and Gold variant of this plan whereas Rs. 5000 under its Platinum variant.

  • Does the Total Health Advantage Plan provide health check-up benefit?

    Yes, coverage for health check-up expenses is offered. Under Silver and Gold variants of this plan, reimbursement of health check-up expenses is given maximum of up to Rs. 1500 per insured person, while under the Platinum variant it is up to Rs. 5000, after every 4 consecutive claim-free policy years.

  • Is there any coverage offered for out-patient expenses?

    Yes, out-patient treatment expenses are offered under Gold and Platinum variants only, for up to Rs. 2500 and Rs. 5000. 

  • How many network hospitals offer cashless hospitalisation for this plan?

    The cashless hospitalisation for Total Health Advantage Plan is offered in over 3000+ network hospitals. 

  • How much tax benefit can be earned out of this plan?

    Under the Total Health Advantage Plan, the premium paid towards this health insurance will be eligible for tax benefits under Section 80D of the Income Tax Act, up to Rs. 25,000 per year.

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