Royal Sundaram Multiplier Health Plan

Overview

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.

Key Features

• 4X Multiplier Benefit
• 11X Multiplier Benefit
• ABCD Benefits (Asthma, BP, Cholesterol, Diabetes)
• Flexi Reload Benefit
• Hospital Plus Benefit
• Health & Wellness Benefits

Eligibility Criteria

• Minimum Entry Age: 18 years
• Maximum Entry Age: 65 years
• Dependent Children: 90 days to 25 years
• Renewability: Lifetime

Royal Sundaram Multiplier Health Insurance Benefits

With the Royal Sundaram Multiplier Health Insurance, customers can avail of a multitude of features that aid in the medical care of insured individuals:

• Flexi Reload Benefit

  With the Flexi Reload Benefit, insured individuals are offered a reload of the sum insured up to 100% of the base sum insured, once in a policy year. However, this benefit does not apply to the first claim in the policy year. The Flexi Reload Benefit will be available on a floater basis if the family floater variant of the plan is opted for.

• 4X Multiplier Benefit

  Under the 4X Multiplier Benefit, in case of a life-threatening condition, an additional amount equivalent to 4 times the sum insured and no-claim bonus will be available for the insured individual. This benefit will be available only 4 times in the lifetime of the policy or per person. The benefit, however, will only be available once the base sum insured and no-claim bonus are exhausted.

• Second Medical Opinion for 22 Critical Illnesses

  The Royal Sundaram Multiplier Health Plan offers a second medical opinion for 22 listed critical illnesses if the insured individual has been diagnosed with any of them. The second medical opinion will be directly sent to the insured individual.

• Preventive Healthcare, Wellness, and Disease Management

  Preventive healthcare and wellness programs are offered to insured individuals, entitling them to disease management services for specified health risks such as heart, kidney, liver, cancer, hypertension, diabetes, and more. Regular health check-ups, advice on nutrition, and exercise regimes are all part of the plan.

• App-Based Cab Cover

  Along with ambulance charges, the plan covers app-based cab service expenses incurred for the transportation of an insured person at the time of hospital admission.

Exclusions

Permanent Exclusions

• Hospitalization due to war, riot, strike, and nuclear weapons
• Intentional self-injury
• AIDS
• Miscarriage and abortion
• Congenital disease
• Infertility and in vitro fertilization

Waiting Period Exclusions

• Listed ailments after 24 months
• Pre-existing diseases after 36 months