Royal Sundaram Family Plus Plan
  • Emergency domestic evacuation
  • Maternity cover benefits
  • Health & wellness benefits
premium

Network hospitals

10000+

premium

Incurred claim ratio

83.36%

premium

Sum insured

Up to 1.5 CR

premium

No. of Plans

10

premium

Solvency Ratio

2.1

premium

Pan India Presence

158

Customized Health Insurance Plan for you.

Get upto 15% Online Discount*

Select Members You Want To Insure

Age of Eldest Member

premium

Network hospitals

10000+

premium

Incurred claim ratio

83.36%

premium

Sum insured

Up to 1.5 CR

premium

No. of Plans

10

premium

Solvency Ratio

2.1

premium

Pan India Presence

158

Royal Sundaram's Family Plus Health Insurance Plan

Give your life a new direction with the Royal Sundaram Family Plus plan if you are planning a family or want to protect your extended family.

It's obvious that healthcare facilitation has become expensive these days, no wonder it'll touch the sky further. Resultantly, you must buy a health insurance plan that extensively covers all the members of your family not only your legally wedded spouse, children, or parents but your in-laws, maternal and paternal extended family including 19 members with a combination plan. Additionally, if you're planning to secure your child's future health needs, or starting a new life with a newborn, having this plan will enhance the joyous experience of your life with its maternity and newborn covers.

Here, you can buy the Royal Sundaram Family Plus plan as a combination of Individual SI + Floater SI which will cover all the family members exclusively as a whole of the sum insured on a shared basis.

This article has everything that you need to know about the Royal Sundaram Family Plus plan, read further to learn more.

Eligibility Criteria for Buying Royal Sundaram Family Plus Plan

Entry Age

Child - 91 days (min.)

Adult Entry Age

Adult - 18 years- No Max. Limit

Policy Term

1/2/3 Years

Plan Type

Individual/Family floater/Combination

Sum Insured

Individual: INR 2 - 15 Lakhs Family: INR 3 - 50 Lakhs

Initial Waiting Period*

30 Days

*The Initial Waiting Period is the period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.

To know more about the plan, read the policy wordings provided below:

Benefits of Buying Royal Sundaram Family Plus Insurance Plan

  • Emergency domestic evacuation

    In a condition where the insured member needs to be evacuated, this policy will cover emergency evacuation at the domestic level for a maximum of upto INR 1 Lakh.
  • Nutritional allowance post-discharge

    Provides nutritional allowance for the mother post recharge and the maximum amount to be availed is upto INR 10,000.
  • No cost sum insured reload benefit

    The policyholder can benefit from an additional sum insured reload without paying anything in extra, given that they have exhausted the base sum insured value.
  • Covers 19 relations

    Here are the relations apart from the policyholder that are covered by the Royal Sundaram Family Plus plan:
    • Self
    • Legally married spouse as long as he or she continues to be married to you
    • Son
    • Daughter-in-law
    • Daughter
    • Father
    • Mother
    • Father-in-law as long as Your spouse continues to be married to you
    • Mother-in-law as long as Your spouse continues to be married to you
    • Grandfather
    • Grandmother
    • Grandson
    • Granddaughter
    • Son-in-law
    • Brother
    • Sister
    • Sister-in-law
    • Brother-in-law
    • Nephew
    • Niece

It's necessary to insure at least 2 members at the time of policy inception.

Specifications of Royal Sundaram Family Plus Policy

In-patient & Out-patient Coverage

Room Rent

Covered

ICU Charges

NA

Pre-Hospitalization

Covered

Post-Hospitalization

Covered

Domiciliary Hospitalization

Covered

Daycare Treatment

Covered

OPD Charges

Covered

Coverage Terms

COVID-19 Treatment

Covered

Cataract

Not Covered

No Claim Bonus

Covered

Automatic Restoration

Covered

Daily Hospital Cash

Covered

Organ Donor

Covered

Maternity Cover

Covered

New Born Baby Cover

Covered

Alternative Treatments

AYUSH Treatment

Covered

IVF Treatment

Not Covered

Modern Treatment

Not Covered

Emergency Coverage

Ambulance

Covered

Air Ambulance

Covered

Compassionate Travel

Not Covered

Global Coverage

Not Covered

Wellness Programmes

E-Consultation

NA

Health Check-Up

Covered

Second Medical Opinion

Covered

Vaccination

Covered

Limitations

Co-payment

Applicable

Sub-limits

Applicable

What is Room Rent?

The room rent limit is the maximum amount of bed charge that you can claim if you are hospitalized.

Common Room categories covered under room rent are:

  • Private Single AC Room
  • Twin Sharing
  • General Ward

Coverage status under Royal Sundaram Family Plus Plan

Covered. No room rent capping.

What are ICU Charges?

It is a special department in the hospitals where patients with serious medical conditions are treated.

Coverage status under Royal Sundaram Family Plus Plan

Not Available

What is Pre Hospitalization?

Medical expenses incurred before the hospitalization of the policyholder.

Coverage status under Royal Sundaram Family Plus Plan

Covered for up to 60 days before hospitalization, upto SI

What is Post Hospitalization?

Medical expenses incurred after the discharge of the policyholder from the hospital.

Coverage status under Royal Sundaram Family Plus Plan

Covered for up to 90 days after hospitalization, upto SI

What is Domiciliary Hospitalization?

Home hospitalization arrangements for the insured person due to the unavailability of medical amenities in hospitals. The treatment should last equal to or more than 72 hrs to get financial coverage.

Coverage status under Royal Sundaram Family Plus Plan

Covered up to Sum Insured

What is Daycare Treatment?

Treatments that can be treated in less than 24 hours of hospitalization like blood dialysis, cataract, etc.

Coverage status under Royal Sundaram Family Plus Plan

Covered

What are OPD charges?

Covers the cost of doctor consultation and prescribed medical tests that may not require hospitalization.

Coverage status under Royal Sundaram Family Plus Plan

Covered

What is COVID-19 Treatment?

COVID-19 treatment includes the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. approved Centre.

Coverage status under Royal Sundaram Family Plus Plan

Covered

What is Cataract Treatment?

A common eye condition in which your vision gets blurred.

Coverage status under Royal Sundaram Family Plus Plan

Not Covered

What is a No-Claim Bonus?

For every claim-free year, insurance companies reward policyholders with an increase in the Sum Insured amount as a no-claim bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage that varies from plan to plan.

Coverage status under Royal Sundaram Family Plus Plan

Available bonus of 20% of base Sum Insured

What is Automatic Restoration?

Automatic restoration is a benefit in which an insurance company restores the sum insured amount completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from plan to plan.

Coverage status under Royal Sundaram Family Plus Plan

Sum insured reload benefit is available without any additional charges

What is Daily Hospital Cash?

It is a cash amount that you receive each day during the time of hospitalization.

Coverage status under Royal Sundaram Family Plus Plan

Available upto INR 2K per day

What is an Organ Donor Cover?

It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body.

Coverage status under Royal Sundaram Family Plus Plan

Covered

What is a Maternity Cover?

It refers to the cover that includes expenses for normal and c-section procedure deliveries.

Coverage status under Royal Sundaram Family Plus Plan

Covered.

  • Maternity cover upto ₹ 50,000 per delivery
  • New-born baby cover
  • Vaccinations for newborn babies in the first year up to Rs 10,000
  • Nutritional Allowance for mother post discharge up to Rs 10,000
What is a New Born Baby Cover?

It takes care of the medical expenses that arise due to the hospitalization of the newborn baby in case of unforeseen circumstances. Some of the common treatments that are covered under the newborn cover and these common treatments can vary from plan to plan:

  • Congenital anomaly (conditions since birth)
  • Acute condition
  • Chronic condition
  • Pre-mature delivery
  • Birth asphyxia
  • Day care treatment

Coverage status under Royal Sundaram Family Plus Plan

Covered as per maternity cover

What is AYUSH Treatment?

Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.

Coverage status under Royal Sundaram Family Plus Plan

Covered upto INR 30,000

What is IVF Treatment?

In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:

  • Full infertility
  • No fertility
  • Infertility diagnosis
  • Infertility diagnosis and limited fertility treatment
  • Medication (which may or may not include fertility drug prescriptions)

Coverage status under Royal Sundaram Family Plus Plan

Not Covered

What is a Modern Treatment?

Medical treatments that demand the use of modern technology such as robotic surgeries, stem cell therapy, etc.

Coverage status under Royal Sundaram Family Plus Plan

Not Covered

What is an Ambulance Cover?

An ambulance is used to move the patient from home to hospital, transfer to another hospital, and take them for different tests outside the hospitals.

Coverage status under Royal Sundaram Family Plus Plan

Covered upto INR 4,000

What is an Air Ambulance?

Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.

Coverage status under Royal Sundaram Family Plus Plan

Covered in case of emergency domestic evacuation

What is Compassionate Travel?

Refers to the traveling expenses of a family member of the insured person in case the policyholders get admitted to a hospital outside his/her residential city.

Coverage status under Royal Sundaram Family Plus Plan

Not available

What is Global Coverage?

Any kind of medical/health emergency when you are outside of India.

Coverage status under Royal Sundaram Family Plus Plan

Not available

What is E-Consultation?

If a policy offers E-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.

Coverage status under Royal Sundaram Family Plus Plan

NA

What is a Health Checkup?

A facility where the policyholder can avail of free health check-ups after fulfilling the company's policies.

Coverage status under Royal Sundaram Family Plus Plan

Annual health check-ups are covered. Preventive healthcare and wellness facilities are also available.

What is a Second Medical Opinion?

If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company's network of medical practitioners.

Coverage status under Royal Sundaram Family Plus Plan

The second opinion is covered for the critical illnesses listed in policy documents for family plans

What is Vaccination cover?

Coverage against the expenses incurred on vaccinations is provided by the insurance companies.

Coverage status under Royal Sundaram Family Plus Plan

Vaccination for animal bites, and vaccinations for newborn babies in the first year up to Rs 10,000 are covered

What is Co-payment?

In the co-payment clause, policyholders have to pay a portion of the hospitalization expense on their own and the insurer will pay the rest of the amount.

Coverage status under Royal Sundaram Family Plus Plan

Applicable

What is the Sub limit?

Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to be paid by the policyholder.

Coverage status under Royal Sundaram Family Plus Plan

Applicable

Exclusions: Royal Sundaram Family Plus Plan

Here is a list of some standard exclusions of the Royal Sundaram Family Plus health insurance plan:

Investigation & evaluation

Rest Cure, rehabilitation and respite care

Obesity/weight control

Change-of-gender treatments

Cosmetic or plastic surgery

Hazardous or adventure sports

Breach of law

Excluded providers

Treatment for alcoholism, drug or substance abuse or any addictive condition and consequences thereof

Dietary supplements and substances bought without prescription

Refractive error

Unproven treatments

Sterility and infertility

Others, as per the specification of your Royal Sundaram Family Plus Plan

Wrapping Up the Facts

After having discussed each facet of the Royal Sundaram Family Plus policy, you must know by now how and why it can be the best investment for you. This plan aligns well with the healthcare needs of those who are planning to extend their family, parents who are seeking to secure their children's/child's future, and those who are in awe of covering all of their family members under one umbrella including their in-laws, maternal, paternal family members, and so on.

Still, have a query about this health policy? Call us on 1800 4200 269 and talk to our customer support team for quick resolution of your questions.

Explore Other Royal Sundaram Health Plans

There are two types of plan options available within the health insurance plan category offered by the Royal Sundaram Health Insurance company. These two options are:

This is a plan that covers basic hospitalization and many health and wellness benefits.

Unique Features

  • OPD Cover
  • Affordable Premium
  • Tax Benefit

Lifeline Classic (Pros)

  • Organ Donor Benefit
  • Inpatient Hospitalization
  • Pre And Post Hospitalization
  • Vaccination Cover
  • Reload of SI

Lifeline Classic(Cons)

  • No Gender Treatments
  • No Global Coverage
  • No Alcoholism Ailments Cover
  • No Cosmetic Cover
  • No Obesity/Weight Cover

Lifeline Classic(Other Benefits)

  • Domiciliary Hospitalization
  • No Room Rent Capping
  • Ambulance Cover
  • AYUSH Treatment Covered
  • 10% No Claim Bonus

Lifeline Classic (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 2 L to 4 L
  • Waiting Period - 30 Days

This plan is the enhanced lifeline health insurance that offers a high sum insured of 1 crore. The plan offers hospitalization, domestic evacuation and additional benefits.

Unique Features

  • High Sum Insured
  • Affordable Premiums
  • Tax Benefit

Lifeline Supreme (Pros)

  • 5000 + Network Hospitals
  • Emergency Domestic Evacuation
  • Health Checkup
  • Can Refresh SI Once
  • Mobility Devices Cover

Lifeline Supreme(Cons)

  • No Gender Treatments
  • No New Born Baby Cover
  • No Maternity Cover
  • No Vaccination Cover
  • No Obesity/Weight Cover

Lifeline Supreme(Other Benefits)

  • Health And Wellness Benefits
  • Bariatric Surgery
  • App-Based Ambulance Cover
  • Second Opinion
  • 20% No Claim Bonus

Lifeline Supreme (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 5L to 1 Cr
  • Waiting Period - 30 Days

Royal Sundaram's Lifeline Elite

This plan is the foremost version of Lifeline health insurance, it offers a high sum insured of 1.5 cr. The plan provides worldwide coverage and Elite Plus benefits.

Unique Features

  • Worldwide Coverage
  • Affordable Premiums
  • Tax Benefit

Lifeline Elite (Pros)

  • No Room Rent Capping
  • Maternity Cover
  • Health Checkup
  • Global Coverage
  • Worldwide Emergency Evacuation

Lifeline Elite(Cons)

  • No Gender Treatments
  • No Cosmetic Surgery Cover
  • No War Injury Cover
  • No Vaccination Cover
  • No Obesity/Weight Cover

Lifeline Elite(Other Benefits)

  • Health And Wellness Benefits
  • OPD Treatment
  • Elite Plus Benefit
  • Second Opinion
  • 20% No Claim Bonus

Lifeline Elite (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 25L to 1.5 Cr
  • Waiting Period - 30 Days

Royal Sundaram Arogya Sanjeevani

Provides coverage for basic medical expenses, which include hospitalization, and pre and post-hospitalization expenses at affordable prices.

Unique Features

  • Cataract Cover
  • Hernia Cover
  • Pre Existing Disease Cover

Arogya Sanjeevani (Pros)

  • Cataract Treatment
  • Pre Hospitalization
  • Post Hospitalization
  • Modern Treatments
  • Cumulative Bonus

Arogya Sanjeevani(Cons)

  • No Gender Treatments
  • No Global Coverage
  • No Maternity Cover
  • No Cosmetic Cover
  • No Obesity/Weight Cover

Arogya Sanjeevani(Other Benefits)

  • Dental Cover
  • Day Care Treatment Cover
  • Ambulance Cover
  • Parents-in-law cover
  • 5% No Claim Bonus

Arogya Sanjeevani (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 50 Thousand to 10 Lakh
  • Waiting Period - 30 Days

Royal Sundaram Advanced Top-Up

A plan that includes inpatient treatment, Ayush treatment, and donor expenditures and has no room rent caps or sub-restrictions.

Unique Features

  • All-Day Treatment Cover
  • Life Protect Benefit
  • Inpatient Hospitalization

Royal Sundaram Advanced Top-Up (Pros)

  • Modern Treatments
  • Pre Hospitalization Cover
  • Post Hospitalization Cover
  • Inpatient Care
  • Domiciliary Hospitalisation

Royal Sundaram Advanced Top-Up(Cons)

  • No Infertility Treatments
  • No Adventure Sports Cover
  • No Dietary Supplements Cover
  • No Cosmetic Cover
  • No Obesity/Weight Cover

Royal Sundaram Advanced Top-Up(Other Benefits)

  • Dental Cover
  • Home Care Treatment Cover
  • Ambulance Cover
  • AYUSH Cover
  • Organ Donor Benefit

Royal Sundaram Advanced Top-Up (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 50 Lakh-1 Cr
  • Waiting Period - 30 Days

A plan that protects against accidental death or disability, and includes a 50% No-Claim Bonus. The plan has flexible premium payment terms.

Unique Features

  • 24*7 Global Coverage
  • Family Cover
  • No Income Proof Required

Personal Accident (Pros)

  • Educational Grant
  • Recovery Benefit
  • Temporary total Benefit
  • Instant Cover
  • Carriage of Dead Body

Personal Accident(Cons)

  • No Infertility Treatments
  • No Maternity Cover
  • No Dietary Supplements Cover
  • No Cosmetic Cover
  • No Obesity/Weight Cover

Personal Accident(Other Benefits)

  • Disablement Cover
  • Loss Of Hearing Cover
  • Ambulance Cover
  • Pre- Existing Disease Cover
  • No Medical Test Required

Personal Accident (Eligibility Criteria)

  • Entry Age - 5 Years
  • Max Entry Age - 70 Years
  • SI - 2.5 Lakh - 10 Lakh
  • Waiting Period - 30 Days

A plan that offers the ABCD (Asthma, BP, Cholesterol, Diabetes) benefits. It covers several chronic illnesses as well as pre-existing diseases.

Unique Features

  • Flexi Reload Benefit
  • 4X Multiplier Benefit
  • Health And Wellness Plus

Multiplier Health Insurance (Pros)

  • 22 Critical Illness Covered
  • AYUSH Cover
  • Organ Donor Expenses
  • Pre Existing Disease Coverage
  • Modern Treatment Cover

Multiplier Health Insurance(Cons)

  • No Gender Treatments
  • No Global Coverage
  • No Maternity Cover
  • No Cosmetic Cover
  • No Obesity/Weight Cover

Multiplier Health Insurance(Other Benefits)

  • In Patient Cover
  • Day Care Treatment Cover
  • Emergency Domestic Evacuation
  • Virtual Health Coach
  • Hospital Plus Benefit

Multiplier Health Insurance (Eligibility Criteria)

  • Entry Age - 5 Years
  • Max Entry Age - 65 Years
  • SI - 5L to 25L
  • Waiting Period - 30 Days

This plan is specially designed to serve surrogate mothers by helping them financially to receive assisted reproduction treatment.

Unique Features

  • Surrogacy cover
  • Oocyte donor cover
  • Covers pregnancy complications

Surrosafe Health Insurance (Pros)

  • Pre-natal care
  • Essential medical expenses
  • IVF cover

Surrosafe Health Insurance(Cons)

  • Change of gender treatments
  • COVID-19 not covered
  • Hazardous or adventure sports
  • Beautification surgery

Surrosafe Health Insurance(Other Benefits)

  • Pre & post-hospitalization
  • Daycare procedure cover
  • Ambulance charges
  • Modern treatment cover

Surrosafe Health Insurance (Eligibility Criteria)

  • Surrogate min age - 25 years
  • Surrogate max age - 35 Years
  • Proposer min age- 23 (F)-26 (M)
  • Proposer max age- 50 (F) - 55 (M)

Royal Sundaram Divyang Plus

A plan that covers people with disabilities and affected by HIV/AIDS.

Unique Features

  • Mental illness cover
  • Affordable premiums
  • Cataract cover

Divyang Plus (Pros)

  • Pre & post hospitalization cover
  • Flexible premiums
  • Ayush treatment
  • Pre-existing disabilities cover
  • Pre existing diseases cover

Divyang Plus(Cons)

  • Not a family floater plan
  • WP on pre-existing disabilities
  • Low sum insured
  • No air ambulance

Divyang Plus(Other Benefits)

  • Ayush up to 50% of sum insured
  • 60 days post hospitalization
  • Ground ambulance cover
  • 40K per eye allotted for cataract
  • 4 premium payment options

Divyang Plus (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry age: NA
  • Sum insured: 4 - 5 lakhs
  • Waiting period: 24 & 48 months

Royal Sundaram Family Plus Health Plan: FAQs

1. Do I need to go through a pre-policy medical check-up to buy this policy?

Pre-policy medical check-ups are only applicable to people 45+ years of age group and those who have some pre-existing disease.

2. What are the sum insured options under the Family Plus plan?

The individual-based plan of RS Family Plus comes with SI options ranging from 2 Lakhs to 15 Lakhs. Whereas, the family floater plan has SI options ranging from 3 Lakhs to 50 Lakhs.

3. How many persons can be covered under this plan?

You can cover 19 individuals under the family floater plan variant.

4. How can I save more on premiums with the Family Plus plan?

You can provide the proper residential address to your insurer, and if you live in a non-metropolitan city, there will be a 15% discount on the payable premium based on zone charges.

5. What's the combination policy benefit of RS Family Plus health insurance?

It means you are eligible to buy a health insurance plan which comes as a set of individual plan SI + family plan SI.

6. Can I avail of tax benefits with this plan?

Against all the paid premiums of your policy, you can avail of the tax benefit upto the specified limit.

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