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Royal Sundaram Multiplier Health Insurance is a one-of-a-kind plan that covers up to 11 times the sum insured in case of emergency health complications. The health insurance plan offers a financial safety net by providing high sum insured options for unforeseen, life-threatening diseases.
The key features of the Multiplier Health Insurance Plan by Royal Sundaram include:
The Royal Sundaram Multiplier plan requires insured individuals to fulfill the eligibility criteria of a minimum entry age of 18 years and a maximum entry age of 65 years.
Dependent children can be covered from 90 days to 25 years. The plan offers lifetime renewability to insured individuals.
| PLAN DETAILS |
Royal Sundaram Multiplier Policy |
Star Special Care Gold Plan |
| Product Type | Individual and Family Health Insurance | Individual and Family Health Insurance |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Not Covered | Not Covered |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
Covered | Covered |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Covered | Not Covered |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
Covered | Covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
Covered | Covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
Covered | Covered |
| Hospital_network (Number of Hospital Network in city) |
10000 | 14000 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Covered | Not Covered |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Not Covered | Not Covered |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Covered | Covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Not Covered | Not Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Not Covered | Not Covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Covered | Not Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Not Covered | Not Applicable |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Covered | Applicable |
| Plan Entry Age | 18 to 65 Years | 18 to 65 Years |
| Plan Premium Entry Age and S/A | N/A | 13344 |
| Plan Waiting Period | 30 | 30 |
| Plan Coverage | Lifetime | - |
| Plan Sample Premium | N/A | - |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1,2,3 Years | 1 year |
| ICU Charges | Covered | Covered |
| Covid-19 Treatment | Covered | Covered |
| Cataract | Covered | Covered |
| Automatic Restoration | Covered | Not Covered |
| Ayush Treatment | Covered | Covered |
| Modern Treatment | Covered | Covered |
| E Consultation | Covered | Not Covered |
| Air Ambulance | Covered | Not Covered |
| Global Coverage | Not Covered | Not Covered |
| Claim Ratio | 96.17 | 99.06 |
| Solvency Ratio | 2.20 | 2.21 |
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