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Royal Sundaram Personal Accident Policy safeguards insured individuals against 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 from 2.5 Lakhs to 5 Crores, along with a 50% cumulative bonus and flexible premium payment options. Adults between 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 |
Mos Bite Protector Policy |
| Product Type | Accident 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 | Not Covered |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Not Covered | Not Covered |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
Not Covered | Not Covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
Not Covered | Not Covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
Not Covered | Not Covered |
| Hospital_network (Number of Hospital Network in city) |
10000 | 8000 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Not 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) |
Not Covered | Not 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 | Not 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 | Not Covered |
| Plan Entry Age | 18 to 70 Years | 18 to 65 Years |
| Plan Premium Entry Age and S/A | 3000 | 44 |
| Plan Waiting Period | N/A | 30 |
| Plan Coverage | - | Dengue fever coverage, Malaria coverage, Chikungunya coverage, Zika virus coverage |
| Plan Sample Premium | N/A | 44 |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1 Year | 1/2/3 Years |
| ICU Charges | Not Covered | Not Covered |
| Covid-19 Treatment | Covered | Covered |
| Cataract | Covered | Covered |
| Automatic Restoration | Not Covered | Not Covered |
| Ayush Treatment | Not Covered | Not Covered |
| Modern Treatment | Not Covered | Not Covered |
| E Consultation | Not Covered | Not Covered |
| Air Ambulance | Not Covered | Not Covered |
| Global Coverage | Covered | Not Covered |
| Claim Ratio | 96.17 | 95.82 |
| Solvency Ratio | 2.20 | 1.85 |
|
IFFCO Tokio Health Insurance |
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