Among the so many health plans in the market today, the Royal Sundaram Health Shield is one insurance plan that covers a wide range of facilities including the medical expenses that are incurred due to any accident or any kind of illness. The level of coverage increases as the policy year increases.
The benefits given by the policy include:-
|The hospitalization expenses of the policy including the room rent gives coverage of 1.5% of the Sum that is insured per day. The ICU charges range upto 3% of the sum insured.||The fees of the surgeon, specialist, anesthetist, consultant etc are covered upto a limit of 40% of the Sum insured. Along with these fees, the fee of the nursing expenses is included.|
|The policy also gives the benefactor benefit for the expenses that are to be incurred because of the cost of blood, oxygen, organ transplant, chemo therapy etc.||Along with all these benefits, the policy also covers the charges of ambulances upto a limit of Rs.1000/- on a per illness basis.|
The policy can be bought online from:-
If the features and benefits of the policy entice you enough to buy the policy, then why wait? The link given below would take you to a form which you will have to fill up so that you get the policy at your doorstep in just a few days. In case of any query that you might have because of the policy, you can search the website of the company where there are options of contacting the executives of the company.
Through these executives, you can get all the queries regarding the company and the policy solved and then you can buy the policy. The only thing that is to be kept in mind while you are filling up the form is that if you make any mistake in filling up the credentials then the policy is more likely to get cancelled or rejected and then you will have to fill it from the beginning. So, after deciding, when you want to buy the policy, then click on the link given below.
The best features of the policy include:-
Inclusive of the best features of the policy, it is found that there is no medical examination needed for the plan. No medical examination prior to getting the policy done would mean that buying the policy can be done without moving an inch from where you are sitting in front of the computer. Along with it, there is a reimbursement of health checkup cost which is given by the policy for every insured person. That checkup cost runs upto Rs.750 per benefactor. To add to it, there is also a facility of cumulative bonus that is available on every claim free year, making this policy a must buy.
A few exclusions to the policy include:-
- According to the policy documents, the Royal Sundaram Health Shield insurance policy gives a 30 days of waiting period in the initial days of the commencement of the policy where any other claim arising is not admitted. The only exception to this rule is if there is an accident.
- It is also said that if there is any kind of pre existing conditions n the benefactor, which have been diagnosed earlier then that is to be covered after 48 months of claim free renewals of the policy.
- HIV AIDS and related diseases are excluded from the coverage of the policy.
- Along with this, diseases such as hernia, fistula, fissure failure etc are covered after a waiting period of two policy years.
- Maternity expenses and other related expenses are among the list of the exclusions to the coverage of the policy.
- Dental treatment and the cost of spectacles are also excluded from the policy.
The eligibility criteria for the policy are:-
|The Coverage amount (in rupees)||1,00,000||5,00,000|
|The term of the policy (in years)||1||1|
|The age of entry (in years)||91 days||50 years|
|The age till which it is renewable (in years)||–||Unlimited|
You can get the policy online with the help of credit cards and debit cards. If you like the features and benefits that are given by the policy then what are you waiting for? Click on the link given below and buy the policy. You can use the different features that are available in the website of the company which will allow you to have a talk with the executives of the company and then after clearing all your queries up.
Other companies that offer similar policies include:-
Max Bupa Heartbeat Family Floater Health Insurance Plan
New India Assurance Mediclaim Policy
Reliance Mediclaim Policy.