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Royal Sundaram Personal Accident Policy
N/A
VS
Icici Lombard Golden Shield Plan
NA
Royal Sundaram Personal Accident Policy safeguards insured individuals against the loss of income, provides the best medical care, and ensures your children's education. The plan also offers 24/7 global coverage, family coverage, protection that grows every year, and a free look period for customers. Royal Sundaram Accident Policy provides coverage for:
The plan offers multiple sum insured options ranging between 2.5 Lakhs to 5 Crores along with a 50% cumulative bonus and flexible premium payment options. Adults between the ages of 18 to 70 years can be covered under the plan along with dependent children between 3 Months to 25 Years of age.
| PLAN DETAILS |
Royal Sundaram Personal Accident Policy |
Icici Lombard Golden Shield Plan |
| Premium Including GST | ||
| Product Type | Accident Health Insurance | Senior Citizen Health Insurance |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Not Covered | 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) |
Not Covered | Covered |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
Not Covered | Covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
Not Covered | Covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
Not Covered | Covered |
| Hospital_network (Number of Hospital Network in city) |
10000 | 10600 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Not Covered | 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) |
Not 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.) |
Not Covered | Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Not Covered | Not Covered |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Not Covered | Covered |
| Plan Entry Age | 18 to 70 Years | Min- 56 years, Max- No Limit |
| Plan Premium Entry Age and S/A | 3000 | NA |
| Plan Waiting Period | N/A | 30 Days |
| Plan Coverage | - | - |
| Plan Sample Premium | N/A | NA |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1 Year | 1/2/3 Years |
| ICU Charges | Not Covered | Covered |
| Covid-19 Treatment | Covered | Covered |
| Cataract | Covered | Covered |
| Automatic Restoration | Not Covered | Covered |
| Ayush Treatment | Not Covered | Covered |
| Modern Treatment | Not Covered | Covered |
| E Consultation | Not Covered | Covered |
| Air Ambulance | Not Covered | Covered |
| Global Coverage | Covered | Not Covered |
| Claim Ratio | 96.17 | 97.16 |
| Solvency Ratio | 2.20 | 2.69 |
|
ICICI Lombard Health Insurance Review |
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