Royal Sundaram Health Insurance
Royal Sundaram Personal Accident Policy safeguards insured individuals ...Read More
A quick read on what this Royal Sundaram Health Insurance plan covers and why it might be a fit for you.
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.
Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.
*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.
A quick honest summary — the strengths and the trade-offs.
Every CMS-driven coverage flag from the plan wording — only items with a published value render below.
The Royal Sundaram Personal Accident Policy offers various in-built benefits that insured individuals can avail as per their medical requirements. To learn more about the plan's benefits, read the details mentioned below:
Royal Sundaram Personal Accident Policy offers insured individuals 24/7 global coverage assistance for up to INR 1 Crore, regardless of where they are in the world. This facility ensures efficient medical care.
Various optional covers are available under the Royal Sundaram Personal Accident Policy, such as Temporary Total Disablement, 10% of the sum insured for hospitalization expenses due to accident, and 10% of the sum insured per child for an education grant.
Royal Sundaram Personal Accident Policy offers insured individuals a 5% no-claim bonus, subject to a maximum of 50% of the Sum Insured (SI).
When you invest in the Royal Sundaram Personal Accident Policy, the insured individual can avail of coverage without serving any initial waiting period. Coverage starts the moment the policy is purchased.
Royal Sundaram Personal Accident Policy offers flexible premium payment options to insured individuals, including Monthly, Quarterly, Half-Yearly, and Yearly options.
Before investing in the Royal Sundaram Personal Accident Policy, customers must fulfill the following eligibility criteria:
| Entry Age | Minimum: 18 Years Child: 3 Months to 25 Years Maximum: 70 Years |
| Sum Insured | 2.5 L to 1 Crore (In multiples of 50k) 1.5 Crores to 5 Crores (In multiples of 50 Lakhs) |
| Plan Type | Individual/Family Floater |
| Initial Waiting Period | None |
| Policy Term | 1 Year |
Individuals who opt for the Royal Sundaram Personal Accident Policy are assured of the following coverages:
The plan categorizes insured individuals into 4 different risk groups based on their occupation:
Skilled white-collar professionals with no exposure to occupational hazards, such as accountants, doctors, lawyers, architects, consulting engineers, teachers, bankers, and more.
Skilled white-collar individuals with minimal exposure to occupational hazards, such as builders, contractors, and engineers engaged only in superintending functions.
Skilled/semi-skilled individuals with moderate exposure to occupational hazards, such as delivery boys, diploma engineers working on shop floors, etc.
Unskilled individuals with high exposure to occupational hazards, such as loaders, mine workers, laborers, etc.
What the plan pays for, and what it doesn't.
Eligibility criteria pulled straight from the policy wording.
The 5 most-asked questions about Royal Sundaram Health Personal Accident Policy, answered.
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