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Royal Sundaram Total Health Plus Health Insurance

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Royal Sundaram Health Insurance
Total Health Plus
Claim Settlement Ratio92%
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

2696 Royal Sundaram Cashless Network Hospitals in India

Total Health Plus User Reviews

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What users are saying
  • All
  • I am very happy to have purchased the Royal Sundaram- Total Health Plus at InsuranceDekho. I recently bought i...

    Read More
    By Sumit Kumar
    On: Aug 25, 2023
  • It is a plan that gave everything in addition or in excess to me. Be it satisfaction, or coverage, it gave me ...

    Read More
    By Brajwasi Verma
    On: Feb 17, 2020
  • I purchased this health insurance plan with high expectations but I have lost all of it due to its bad service...

    Read More
    By Neerav Rana
    On: Feb 17, 2020
  • 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....

    Read More
    By Ayushi Rana
    On: Feb 04, 2020
  • This is a family health policy, which is equipped with a diverse range of offerings, this policy has expanded ...

    Read More
    By Mayank Srivastava
    On: Feb 04, 2020

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

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.

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