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Royal Sundaram Total Health Plus

The Royal Sundaram Total health plus is such a kind of health insurance policy which has the best of both worlds. At a pocket friendly premium rate and good amount of sum insured, this policy gives wonderful coverage. Like other policies, this policy also has some sub limits, but they are very minimal. The details of the policy are discussed below.

The benefits given by the policy include:-

  • The ICU charges and the room rent are covered by the policy with no limit to put.
  • Apart from that, there are around 147 day care procedures that are covered by the policy.
  • For an Rs.3000 policy limit, there is Rs.1500 coverage on a per claim basis for the emergency ambulance service.
  • Any kind of accident hospitalization is covered. The limit to which is upto 50% of the total sum that is insured.
  • As an indexation benefit, the sum which is insured is to be increased by a 10% every year. The limit to such an increase is subject to 50%. This limit is set, irrespective of the claim in the expiring policy.

There are more benefits too:-

Along with the above mentioned benefits, there is a maternity benefit which is allowed for the first two children of the benefactor that is given to the benefactor of the policy. This maternity benefit ensures that the company pays at least 10% of the sum that is insured upto a maximum of Rs.50,000. The coverage of the policy also includes outpatient treatment charges upto the range of Rs.2,500. These outpatient treatments include the consultation fees, the pharmacy bills, the diagnostic test charges etc. Upto a maximum of 30 days, there is a hospital cash allowance of Rs.1000 per day given to the benefactor.

The policy can be bought from the link below:-

Now that you have read the features of the policy, then why wait? You can get the quotes of the policy by clicking on the link given below. By looking at the quotes given by the company, you would then understand what plan you would want to chose. The 24*7 toll free number is there where you can call and the executives of the company would give you all the details you need have about the company, the policy, its features, benefits and much more.

The policy can also be bought online with the help of credit cards or debit cards. Net banking is also something that is available with the site. You just have to click on the link below. For now, all you need to do is click on the link given below to know about the quotes of the policy and to buy the policy online.

A few exclusions to the policy are:-

As per as the exclusions are concerned, any kind of pre existing diseases are covered by the policy after a waiting period of 3 years. This waiting period consists of continuous policy renewal. For the first 30 days of the commencement of the policy, there is a no claim period given to the benefactor where the company is not liable to pay any kind of claim that is arising until and unless there is an accident. Teamed up with it, diseases like congenital diseases, urinary system stone etc are not covered for the 1 year of the beginning of the policy. HIV AIDS and related treatment are also not covered under the policy.

The eligibility criteria of the policy are:-




The entry age (in years) 18 years 65 years
The Age of the dependent children during entry (in years) 91 days 21 years
The term of the policy
(in years)
1 1
The sum that is to be insured (in rupees) 7.5 lac 10 lac
The age till which the policy is renewable (in years)

The grace period given for the renewal of the policy

30 days

This policy has its features that are different from all the other similar policies in the market today. If you life the features and benefits given by the policy, then you can click on the link given below and get the quotes regarding the policy. If you want, you can also opt for the call back option given in the website which will make the executives of the company call you back to tell you all the details you need to know about the policy and much more about other policies.

Sum Insured = Rs 5 lakh
  • Age (in years)
  • Deductible (in Rs)
  • 1 lakh
  • 2 lakh
  • 3 lakh
  • 91 days- 35
  • 1999
  • 1049
  • 899
  • 36-45
  • 2750
  • 1500
  • 1400
  • 46-60
  • 4813
  • 2925
  • 2170
  • 61-75
  • 10106
  • 5704
  • 3472
  • 76 and above
  • 24053
  • 14254
  • 9090