Health Shield Individual Insurance from Royal Sundaram for individuals

• Room, Boarding Expenses as charged by the Hospital/Nursing Home subject to a limit of 1.5% and for Intensive Care Unit 3% of the Sum Insured per day.
• Surgeon, Anaesthetist, Medical Practioner, Consultants & Specialists Fees are subject to a limit of 40% of the Sum Insured
• Nursing Expenses during hospitalization
• 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.

• 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

• Pre-Existing Condition means any condition, ailment or injury or related condition(s) for which you had signs or symptoms and/or were diagnosed and/or received medical advice/ treatment, within 48 months prior to your first Policy with us
• Pre Existing Diseases shall however be covered after 4 years of consecutive insurance with us.

*Family Discount 10% for covering 3 members or more.
For more details please refer the policy terms and conditions