Network hospitals
10000+
Incurred claim ratio
96.17%
Sum insured
Up to 1.5 Cr
No. of Plans
1
Solvency Ratio
2.1
Pan India Presence
160+
Royal Sundaram Personal Accident Policy safeguards insured individuals against the 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 between 2.5 Lakhs to 5 Crores along with a 50% cumulative bonus and flexible premium payment options. Adults between the ages of 18 to 70 years can be covered under the plan along with dependent children between 3 Months to 25 Years of age.
To understand Royal Sundaram Health Personal Accident Policy Insurance in detail, take a look at the below table:
18 to 70 Years
Accident Health Insurance
2.5 L | 5 L | 10 L | 20 L | 50 L | 1 Cr | 2 Cr | 3 Cr | 4 Cr | 5 Cr
N/A Days
Not Applicable
1 Year
*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.
Read more specifications in the brochure.
With wide coverage options available, Royal Sundaram Health Personal Accident Policy Insurance Plan allows you to choose your ideal coverage as per your family’s health requirements. Take a look at the coverage under every SI option available and choose your ideal coverage:
Room Rent
Covered
ICU Charges
Not Covered
Pre-Hospitalization
Not Covered
Post-Hospitalization
Not Covered
Domiciliary Hospitalization
Not Covered
Daycare Treatment
Not Covered
OPD Charges
Not Covered
COVID-19 Treatment
Covered
Cataract
Covered
No Claim Bonus
Covered
Automatic Restoration
Not Covered
Daily Hospital Cash
Not Covered
Organ Donor
Not Covered
Maternity Cover
Not Covered
New Born Baby Cover
Not Covered
AYUSH Treatment
Not Covered
IVF Treatment
Not Covered
Modern Treatment
Not Covered
Ambulance
Not Covered
Air Ambulance
Not Covered
Compassionate Travel
Not Covered
Global Coverage
Covered
E-Consultation
Not Covered
Health Check-Up
Not Covered
Second Medical Opinion
Not Covered
Vaccination
Not Covered
Co-payment
Not Covered
Sub-limits
Not Covered
The room rent limit is the maximum bed charge you can claim if you are hospitalised. Common Room categories covered under room rent are all kinds of rooms including single, private and AC rooms (except suite).
It is a special hospital department where patients with serious medical conditions are treated.
Medical expenses incurred before hospitalisation of the policyholder.
Medical expenses incurred after the discharge of the policyholder from the hospital.
Domiciliary hospitalization or home care treatments are the arrangements for an insured individual due to the unavailability of medical amenities in hospitals, or in a case where an insured member can not be admitted to the hospital due to an inability. The treatment should last equal to or more than 72 hours to get financial coverage.
Treatments that can be completed within 24 hours of hospitalization like blood dialysis, cataracts, etc.
Covers the cost of doctor consultations and prescribed medical tests that may not require hospitalization. .
It includes the treatment cost for COVID-19 with a confirmative diagnosis from a government-approved centre.
A common eye condition in which your vision gets blurred due to cloudy formation in your eyes.
For every claim-free year, insurance companies reward policyholders with an increase in the sum insured amount as a no-claim bonus or cumulative bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage varying from one plan to the other.
It is a benefit in which an insurance company restores the amount of sum insured completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from one plan to the other.
Daily hospital cash or Hospicash is a cash amount that you receive each day during the time of hospitalization to cover your non-medical expenses.
It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body. In most of the cases, the insurer pays for the hospitalization and transplant expenses for both the parties i.e. the donor and the receiver.
It refers to the cover that includes expenses for normal and c-section deliveries.
It takes care of the medical expenses that arise due to the hospitalisation of the newborn baby in case of any childbirth complications, medical challenges, and so on. Some of the common treatments that are covered under the newborn cover and these common treatments can vary from plan to plan:
Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.
In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are settled or reimbursed for:
Medical treatments that demand the use of modern technology and advanced machinery such as robotic surgeries, stem cell therapy, etc.
An ambulance is used to move the patient from home to the hospital, transfer them to another hospital, and take them for different tests outside the hospital.
Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.
Refers to the travelling expenses of a family member who’s visiting the hospital to look after the patient when the policyholder gets admitted to a hospital outside his/her residential city.
Any kind of medical/health emergency when you are outside of India is covered for hospitalization expenses, modern and specific treatments, etc.
If a policy offers e-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.
A facility where the policyholder can avail of free health check-ups after fulfilling the company's eligibility criteria. In most cases, the insured member/s gets an annual health check-up cover.
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 against the expenses incurred on vaccinations of either the newborn baby, for an animal bite, etc is provided by the insurance companies.
In the co-payment clause, policyholders have to pay a preset amount (either compulsorily or voluntarily) of the hospitalisation expense on their own and the insurer will pay the rest of the medical bill amount.
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. For instance, if your policy covers room rent for upto 20% of the sum insured, but the expense of the same is more than 25%, you will have to pay the rest amount, i.e. 5%, for your room rent.
There are various in-built benefits added to the Royal Sundaram Personal Accident Policy which is availed by insured individuals as per their medical requirements. To learn more about the various benefits of the plan read the details mentioned below:
Before investing in the Royal Sundaram Personal Accident Policy customers must fulfill the following eligibility criteria as mentioned below:
Entry Age | 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 personal accident policy by Royal Sundaram are assured of the following coverages:
The plan has divided insured individuals into 4 different risk groups based on their occupation which are mentioned below:
Permanent diseases or health conditions that are not included under Royal Sundaram Personal Accident Plan Exclusions are:
Hospitalization out of war, riot, strike, and nuclear weapons
Intentional self-injury
AIDS
Miscarriage, and Abortion
Congenital disease
Infertility and in vitro fertilization
Royal Sundaram Personal Accident Policy provides all-around coverage to individuals and families against accidents and consequences of accidents like temporary and partial disablement. The plan is equipped to support you and your family in case of any medical emergency. It is an apt plan as it is divided in 4 different risk classes keeping in mind customers from all walks of life and professions.
To cater to the different medical needs of an individual & their family, Royal Sundaram Health Insurance offers several Health Plans ranging from senior citizen plans to specialized plans for autistic children, to health insurance for cardiac patients, and many more.Take a look below to Royal Sundaram Health Insurance plans explore more:
Individual and Family Health Insurance
Royal Sundaram Lifeline Supreme Health Plan is a one-of-a-kind health insurance plan as it offers holistic coverage with a wide range of benefits such...
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Accident Health Insurance
Royal Sundaram Personal Accident Policy safeguards insured individuals against the loss of income, provides the best medical care, and ensures your ch...
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Individual and Family Health Insurance
Royal Sundaram Multiplier Health Insurance is a one of its kind plan that covers up to 11 times the sum insured in case of emergency health complicati...
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Individual
The Surrogacy (Regulation) Act, 2021 by the government of India has come into effect saying that, if any couple is in search of a surrogate mother, th...
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Individual and Family Health Insurance
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 obv...
Unique Features
Individual and Family Health Insurance
Lifeline Health Insurance by Royal Sundaram is a comprehensive health insurance plan that looks after your day-to-day healthcare needs. Along with in-...
Unique Features
The eligibility criteria for adults is 18 to 70 years whereas dependent children can be covered from 3 months to 25 years.
The policy tenure is 1 year for Royal Sundaram Personal Accident Policy.
The sum insured options available under the Royal Sundaram Personal Accident Policy range between INR 2.5 Lakhs to 5 Crores.
Yes, the Royal Sundaram Personal Accident Policy offers tax benefits as all premiums paid towards the policy are eligible for tax benefits as per the Indian Income Tax Act.
The various advantages available under the Royal Sundaram Personal Accident Policy are as follows: Education Grant for Children 24/7 Global Coverage Permanent Total Disablement Permanent Partial Disablement Temporary Total Disablement Accidental Hospitalization
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Simran is an insurance expert with more than 4 years of experience in the industry. An expert with previous experience in BFSI, Ed-tech, and insurance, she proactively helps her readers stay on par with all the latest Insurance industry developments.
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