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For Health Insurance India Enquiries Contact: Ria Insurance Brokers Pvt Ltd, 449 Kailash Tower -2, East Of Kailash,
New Delhi, India-110065, Phone. 011-26417566,46581566,24525374 Mob. 9810090853 Email:- ibidelhi@gmail.com |
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Individual Health Insurance Products in India (for a Single Person)  |
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| Royal Sundaram Individual Health Insurance |
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| Eligibility / Entry Age: |
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| Self, Spouse and dependant parents up to the age of 50 years
Dependent Children (unmarried children, between 91 days & 18 years) |
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| Family Definition: |
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- Self
- Spouse
- Dependent Children (unmarried children, between 91 days & 21 years)
- Dependent Parents up to 50 years of age
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| Renewal Age: |
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| Renewals will be up to the age of 70 years |
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| Sum Insured Available: |
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| 1.5 Lakhs to 5 Lakhs |
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| Salient Points: |
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- Complete Health Insurance package for the entire family including the spouse, and dependent children (above 90 days) & dependent parents upto the age of 50 years
- No Medical examination
- Pre and Post Hospitalization cover up to 30 days prior and 60 days respectively.
- Coverage for Pre-existing diseases after4 consecutive years of insurance
- Cashless facility (in morethan 3000 hospital across the country)
- Ambulance referral facilities
- Reimbursement of Healthcheck up cost upto Rs.750 per insured person after 5 claim free years of insurance
- Lumpsum payment of 2% of Sum Insured if hospitalization exceeds 15 consecutive days and where liability is admitted for hospitalization
- Income tax exemption under Section 80 D up to Rs.15, 000/-
- Family Discount of 10% for covering 3 or more family members under a single policy.
- 24-hour help line number
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| Coverage: |
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The Policy covers Reasonable and Customary expenses incurred towards hospitalization for the disease, illness, medical condition or injury contracted or sustained by the Insurance Person during the Period of Insurance stated in the Schedule subject to terms, conditions, limitations and exclusions mentioned in the Policy.
For a claim to be admitted under this Policy, the Insured Person should be hospitalized as an In-Patient during the Period of Insurance for a minimum period of 24 hours. However this time limit is not applicable to the following specific treatments:
Dialysis, Chemotherapy, Radiotherapy, Eye surgery, Cataract, Lithotripsy (kidney stone removal) Tonsillectomy, D&C, Cardiac Catheterization, Hydrocele Surgery, Hernia repair surgery and such other Surgical Operation that necesstate hospitalization less than 24 hours due to medical/technological advancement / infrastructure facilities. |
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| In the event pf any claim becoming admissible under the Policy, the Company will pay to the Reasonable and Customary expenses, subject to the various limits mentioned hereunder , but not exceeding the Sum Insured and the Cumulative Bonus, if any, mentioned in the Schedule for all claims admitted during the Period of Insurance. |
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| Expenses covered under the Policy |
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| (1)Room, Boarding Expenses as provided by the Hospital / Nursing Home subject to a limit of 1.5% if the Sum Insured per day and for Intensive Care Unit 3% of the Sum Insured per day. |
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| (2)Nursing Expenses incurred during In-Patient hospitalization. |
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| (3)Surgeon, Anaesthetist, Medical Practitioner, Consultants & Specialist Fees are subject to a limit of 40% of the Sum Insured. |
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| (4)Anaesthesia, Blood, Oxygen, Operation Theatre Charges, Medicines and Drugs, Diagnostic Materials and X- ray, Dialysis, Chemotherapy , Radiotherapy, Donors medical expenses towards Organ transplant, Cost of Pacemaker, Artificial Limbs, Cost of Organs. |
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