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Royal Sundaram Total Health Plus Health Insurance

184 reviews Rate This
Royal Sundaram Health Insurance
Total Health Plus
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 Plus Health Insurance

When it comes to family, no one wants to compromise on any part of health care. Hence, a plan like Total Health Plus is an asset for people looking for a comprehensive medical insurance policy. It has the potential to suit the needs of all the insured members of the family as well as an individual. People analyse a plan on different parameters such as cost, plan coverage for all, out-patient coverage, the option of additional features and other basic elements. Fortunately, all these benefits are provided under this plan offered by Royal Sundaram.

This plan is a perfect tool anyone can utilise to keep the savings intact during times of medical emergencies. It comes with 1 year coverage term, which is available in two different variants, namely Gold Plus and Platinum Plus. It allows coverage for people within the age group of 91 days to 65 years. The sum insured amount offered under this policy ranges between Rs. 3 Lakh and Rs. 10 Lakh, which depends on the variant chosen. Policyholders owning a sum insured up to Rs. 5 Lakh are allowed to enter the plan without going through a medical test till 50 years of age. While the customers with the sum insured of above Rs. 5 Lakh can enter the policy without any medical examination till 45 years.

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Key Inclusions and Exclusions of the Plan

What's Included

  • In-patient hospitalisation coverage
  • Pre and post hospitalisation expenses
  • Availability of maternity expense cover
  • Master health check-up reimbursement  
  • Out-patient treatment costs are covered 

What's Not Included

  • Admission for diagnostic studies alone
  • Pre-existing diseases within the waiting period
  • Treatment of obesity and weight control programs
  • Any routine examinations, vaccinations, inoculation
  • Cosmetic surgery or related treatment

4963 Royal Sundaram Cashless Network Hospitals in India

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Total Health Plus User Reviews

4.6
Rating based on
184 User reviews
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What users are saying
  • All
  • Great coverage features

    I am very happy to have purchased the Royal Sundaram- Total Health Plus at InsuranceDekho. I recently bought it at the portal with the help of some of the executives. I will visit the portal again in case I need any help. My policy offers me great coverage features and I found it affordable too. 

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    S
    By Sumit Kumar
    On: Aug 25, 2023
  • Nice Health Plan!

    It is a plan that gave everything in addition or in excess to me. Be it satisfaction, or coverage, it gave me everything in bulk. There are many people in my family and friends circle, who have purchased this plan and got a great service through this plan. Very nice plan indeed. 

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    B
    By Brajwasi Verma
    On: Feb 17, 2020
  • Disappointing plan!

    I purchased this health insurance plan with high expectations but I have lost all of it due to its bad service. This has been a very disappointing policy for me. 

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    N
    By Neerav Rana
    On: Feb 17, 2020
  • Economical deal.

    I am using this plan for more than 2 years. This is one of the most reliable plan that I have used in my life. This is a policy that suits the medical needs of me and my family. The policy has several benefits that can easily bring relief for a family and prove itself as an affordable health product.

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    A
    By Ayushi Rana
    On: Feb 04, 2020
  • 10 on 10 plan!

    This is a family health policy, which is equipped with a diverse range of offerings, this policy has expanded its coverage, features and benefits so that it can cover the smallest possible medical expense that a family has to incur during difficult times. I will be suggesting this policy to all my family and relatives.

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    M
    By Mayank Srivastava
    On: Feb 04, 2020
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Royal Sundaram Total Health Plus Expert Review

  • Expert Review

    Total Health Plus Policy is an outstanding health plan, which serves policyholders with every possible medical coverage. It extends its offerings to a level where it can look after all the members of the family. This health plan is available in two different variants at an affordable price. The policy is offered by Royal Sundaram General Insurance Company Limited, which is the first private non-life insurance company that got the license to operate in India. The policy is equipped with various key features and additional benefits that can easily bring relief for a family and prove itself as an economical health product. 
     
    Anyone falling between the age group of 91 days and 65 years is allowed to get coverage under the Total Health Plus Plan. People can opt for this plan on an individual as well as on a family floater basis for the policy period of 1 year. The policy holds a wide array of benefits which comprise of cover for out-patient expenses, in-patient hospitalisation coverage, pre and post hospitalisation expenses, maternity expenses, lifelong renewability, emergency ambulance, portability, and so on. These benefits together make the plan to be considered as a perfect health insurance product for every household. 

  • Major Attractions

    The Total Health Plus Policy is stuffed with a range of features, but some catch enough attention of the customers. Being a health plan for family, this policy has expanded its coverage, features and benefits, so that it can cover the smallest possible medical expense that a family has to incur during difficult times. Here are some beneficial offerings under this plan:

    • In-patient hospitalisation cover
    • Coverage of out-patient expenses
    • Master health check-up is provided 
    • Pre and post hospitalisation expenses
    • Maternity related expenses are covered
    • Emergency ambulance costs are offered
    • Expenses incurred on daycare procedures
    • Cashless hospitalisation in 3000+ network hospitals

  • What’s More?

    Furthermore, to benefits and plan coverage elements, the Total Health Plus Policy is acknowledged for various other components as well. They are generally present in every other health insurance plan but has their special value. Here are those salient features offered under this plan:

    • No claim discount is provided
    • Easy portability option is given 
    • Policy period option is of 1 year
    • 15 day free look period is offered 
    • Tax benefit is offered on the premium

  • Conclusion

    The Total Health Plus Policy is an ideal choice for every section, be it individual or family. It holds the virtue of fulfilling different medical needs of everyone from in-patient hospitalisation cover to out-patient expenses. These benefits leave no stone unturned to look after the expensive medical needs of each and every member of the family. 
     
    The policy can be bought online either from the official website of Royal Sundaram or through InsuranceDekho’s website. The latter extends its support for customers to select the best possible health insurance plan as per their requirement and affordability. The online process is considered safe, secure and simple to process. Also, InsuranceDekho promises to deliver their services from the beginning till the end, i.e., right from buying a plan to helping in getting a claim.

Royal Sundaram Total Health Plus Brochure

  • 432.31 KB
  • PDF Document
  • Sep 12, 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 Plus Health Insurance Plan

  • What is the sum insured amount available under Total Health Plus Plan?

    The sum insured of this policy ranges from Rs. 3 Lakh to Rs. 10 Lakh as per the variant opted by the policyholders.  

  • What is the entry age for this health insurance policy?

    People within the age limit of 91 days to 65 years are eligible to get covered under this policy. 

  • What is the policy period of this Total Health Plus plan?

    The policy duration or coverage term of this policy is of 1 year. 

  • Is there any variant available under this health plan?

    Yes, two variants are present in this plan which are named as Gold Plus and Platinum Plus. 

  • Does this plan offer coverage for out-patient expenses?

    Yes, the plan provides coverage for out-patient expenses. Under this, if an insured member incurs any expense related to a medical procedure taken at a hospital (or a clinic), the company shall be liable to pay the amount of treatment, not exceeding Rs. 2500. This benefit is available under the Platinum Plus variant of the plan.

  • What is the limit of indexation benefit offered under this policy?

    Under this plan, indexation benefit is given where the sum insured amount is enhanced. The sum insured under this plan is progressively increased by slabs of 10% of the sum insured subject to a maximum accumulation of 5 slabs. 

  • Does this policy offer maternity benefit to women policyholders?

    Yes, the maternity benefit is covered under this plan. The maximum amount payable under this benefit is 10% of the sum insured subject to a maximum of Rs. 30,000 (under Gold Plus Plan) and Rs. 50,000 (under Platinum Plus Plan) after a waiting period of 3 years. Any complication arising out of pregnancy will be deemed to be covered under this extension only, and the limits mentioned would apply. 

  • Are daycare treatment and procedures covered under the plan?

    Yes, expenses incurred on daycare treatments, requiring less than 24 hours of hospitalisation, are covered under the plan.

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

    Total Health Plus Plan provides the benefit of a cashless cover in 3000+ network hospitals of Royal Sundaram.

  • Does this plan offer the benefit of hospital cash? If yes, how much amount it provides?

    Yes, a daily hospital cash benefit is given under the Total Health Plus Plan. Under the Gold Plus variant Rs. 500 per day is offered and Rs. 1000 per day is offered under the Platinum Plus Plan. 

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