Royal Sundaram's Family Plus Health Insurance Plan
Royal Sundaram Health Insurance Royal Sundaram Health Insurance ★ 4.4

Royal Sundaram Family Plus Plan

Royal Sundaram Family Plus Health Insurance Plan offers individual cov ...Read More

Up to 1.5 Cr
Sum insured
1
No. of plans
160+
Pan India presence
96.17%
Claim settlement ratio
🛡️ IRDAI Approved
4.4/5 · 2,711 reviews
🏥 10,000+ hospitals
📊 2.20 solvency ratio
96.17% claim settlement

About Royal Sundaram Family Plus Plan

A quick read on what this Royal Sundaram Health Insurance plan covers and why it might be a fit for you.

The Royal Sundaram Family Plus plan is designed for individuals and families looking for comprehensive health coverage, especially those planning a family or wishing to protect their extended family members.

With rising healthcare costs, securing a robust health insurance plan is crucial. This plan offers extensive coverage for up to 19 family members, including your spouse, dependent children, parents, in-laws, and other maternal and paternal extended family members. It can be purchased as a combination of Individual Sum Insured (SI) and Floater Sum Insured (SI).

Additionally, if you are planning for a child or welcoming a newborn, this plan provides maternity and newborn covers, ensuring comprehensive protection for your growing family.

Plan at a glance

Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.

Entry age
18 Years to No Upper Limit
Plan type
Individual and Family Health Insurance
Sum insured options
₹2 L, ₹3 L, ₹5 L, ₹10 L, ₹15 L, ₹20 L, ₹25 L, ₹50 L
Waiting period
30 days
Renewability
Lifetime
Policy term
1,2,3 Years

*Initial Waiting Period is the time 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.

Pros & cons

A quick honest summary — the strengths and the trade-offs.

Pros

  • Ambulance Cover
  • Reload of Sum Insured
  • Second Opinion for 11 specified Critical Illness

Cons

  • Investigation & Evaluation
  • Obesity/ Weight Control
  • Alcoholism

What's covered

Every CMS-driven coverage flag from the plan wording — only items with a published value render below.

Hospitalization

  • Room rent Covered
  • ICU charges Covered
  • Pre-hospitalization Covered
  • Post-hospitalization Covered
  • Domiciliary hospitalization Covered
  • Day-care treatment Covered
  • OPD charges Covered
  • Covid-19 treatment Covered
  • Cataract Covered

Bonuses & restoration

  • No-claim bonus Covered
  • Automatic restoration of SI Covered
  • Daily hospital cash Covered

Family & special care

  • Maternity cover Covered
  • New-born baby cover Covered
  • IVF treatment Not covered
  • AYUSH treatment Covered
  • Organ donor expenses Covered

Modern & preventive care

  • Modern treatment Not covered
  • Road ambulance Covered
  • Air ambulance Covered
  • E-consultation Not covered
  • Health check-up Covered
  • Second medical opinion Covered
  • Vaccination Covered

Conditions & global

  • Co-payment Covered
  • Sub-limits Covered
  • Compassionate travel Not covered
  • Global coverage Not covered

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 up to INR 1 Lakh.

  • Nutritional allowance post-discharge

    Provides nutritional allowance for the mother post-discharge, with a maximum amount of up to INR 10,000.

  • Sum Insured reload benefit

    The policyholder can benefit from an additional sum insured reload without paying anything extra, provided the base sum insured value has been exhausted.

  • Covers up to 19 family members

    You can cover up to 19 family members under the Royal Sundaram Family Plus plan, including self, spouse, dependent children, parents, parents-in-law, and more.

Inclusions & exclusions

What the plan pays for, and what it doesn't.

Exclusions

  • Permanent diseases or health conditions that are not included under the Royal Sundaram Family Plus Plan are:
  • Hospitalization due to war, riot, strike, and nuclear weapons
  • Intentional self-injury
  • AIDS
  • Miscarriage and Abortion
  • Congenital disease
  • Infertility and in vitro fertilization
  • Certain diseases and treatments are covered under this plan after a specified waiting period:
  • Listed ailments after 48 months
  • Pre-existing diseases after 36 months

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • Min entry age: 18 years
  • Max entry age: No upper limit
  • Sum Insured: Up to 50 L
  • Initial waiting period: 30 days

Other features & benefits

  • Maternity cover
  • Health and wellness
  • Nutritional allowance

Royal Sundaram Family Plus Health Plan: FAQs

The 6 most-asked questions about Royal Sundaram Family Plus Plan, answered.

Pre-policy medical check-ups are only applicable to people 45+ years of age group and those who have some pre-existing disease.
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.
You can cover 19 individuals under the family floater plan variant.
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.
It means you are eligible to buy a health insurance plan which comes as a set of individual plan SI + family plan SI.
Against all the paid premiums of your policy, you can avail of the tax benefit upto the specified limit.

Health Insurance Premium Calculator

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Written and reviewed by

PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.

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