Royal Sundaram Insurance

Royal Sundaram Family Plus Insurance Plan

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Date of birth
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* Name, Email Id & Mobile No. are required 
Family Plus is a unique health insurance plan which provides the most comprehensive health coverage to large families in the India market and this too at an affordable price.

Key features of Royal Sundaram Family Plus insurance

  • Room Rent: Payable at actuals upto Sum Insured.
  • Co-pay: NIL co-pay for all treatment .
  • Restoration Benefit: Sum Insured Reload available upto 100% Base SI .
Family Plus is a Family Floater Plan which is designed especially for large families and it covers up to 19 relationships. It is a health insurance cover which is simple to buy and easy to understand. The product offers a unique benefit where each insured member of the family will have an individual sum insured apart from a floater sum insured and reload benefit which any of the family member can consume in case of a major illness. This ensures you are adequately covered at all times. It comes with rich no claim bonus which also helps make your insurance inflation proof by adding 20% additional sum insured for each claim free year.

Royal Sundaram Health Insurance Review

Royal Sundaram Health Insurance
Royal Sundaram Insurance sum insured
2 lacs − 150 lacs options available
Incurred Claims Ratio *
Royal Sundaram Insurance tenure options
1 to 3 years
Claims Settlement Ratio **
List of network hospitals
11,800+ hospitals
Number of policies issued *
Maximum family floater coverage
Self, Spouse + 4 dependent children
Number of lives covered *
* As per IRDAI report for 2020-21   |   ** As per NL25 data published on the Insurance Company website

Overview of Royal Sundaram Family Plus insurance

  • Eligibility
  • Key Benefits
  • Coverages
  • Exclusions

Eligibility of Royal Sundaram Family Plus Insurance

  • Any person who is more than 18 years of age can be the proposer of the plan. Adults can be covered from 18 years onwards.
  • Children above the age of 91 days can be covered.
  • There is no restriction on maximum entry age.
  • Minimum of 2 members need to be covered in a policy. There is no restriction on the maximum number.
  • Relationships that can be covered – Spouse, Son, Daughter-in-law, Daughter, Father, Mother, Father-in-law as long as your spouse continues to be married to you, Mother-in-law as long as your spouse continues to be married to you, Grand father, Grand mother, Grand son, Grand daughter, Son-in-law, Brother, Sister, Sister-in-law, Brother-in-law, Nephew and Niece.

Key Benefits of the Family Plus Plan

  • Inpatient hospitalization expenses up to Sum Insured
  • Pre and post-hospitalization expenses repayment up to the amount of sum insured for 60 and 90 days, respectively
  • All day-care procedures up to the sum insured amount
  • Coverage for the treatment of organ donor up to the amount of sum insured
  • Ambulance cover of up to Rs. 4,000, for per event of hospitalization for every insured member
  • No-claim bonus (NCB) starts from 20% of the base sum insured and extends up to 100%. No reduction in NCB, even when a claim is filed during a particular year
  • 100% Re-load of the base sum insured in case the total sum insured and NCB is completely exhausted
  • Vaccination in case of animal bite - Expenses up to Rs.5,000 covered
  • AYUSH Treatment - Inpatient hospitalization cover of the amount up to the sum insured in government hospitals and up to Rs. 30,000 in other hospitals
  • Domiciliary hospitalization expenses covered up to the sum insured amount
  • Second opinion for diagnosis and treatment of 11 specified critical illnesses
  • Emergency domestic evacuation cover of up to Rs. 1 lac
  • Health & Wellness - We will provide various preventive healthcare & wellness related services that will help you to assess your health status and aid in improving your overall wellbeing. These services include health related articles on your registered email Id, doctor on email chat and annual health check-ups for every member more than 18 years old, irrespective of claim
  • Maternity Benefit cover for up to 2 deliveries if 2 adults are covered under the same family floater policy including New Born Baby Cover and Vaccination for New Born in first year
  • Nutritional Allowance for mother post discharge after delivery

Coverages under Family Plus Plan

Sum Insured(SI) in ₹ INR Individual Base Sum Insured 2 lacs | 3 lacs | 5 lacs | 10 lacs | 15 lacs
Floater Sum Insured 3 lacs | 4 lacs | 5 lacs | 10 lacs | 15 lacs | 20 lacs | 25 lacs | 50 lacs
Baseline Cover
Inpatient Care Covered up to Sum Insured
Pre and post hospitalization expenses 60/90 days, Covered upto Sum Insured
All Day care procedures Covered up to Sum Insured
Organ Donor Expenses Covered up to Sum Insured
Other Benefits
Ambulance Cover Up to INR 4,000, per event of hospitalization for every insured member
No-Claim Bonus 20% of Base Sum Insured up to a max of 100%
Re-load of Sum Insured Up to Base Sum Insured, once during the policy year
Vaccination in case of Animal Bite Upto INR 5,000
Ayush Treatment Government Hospitals – Covered upto Sum Insured Other Hospitals – Covered upto Rs. 30,000
Domiciliary Hospitalization Covered upto Sum Insured
Second Opinion for 11 specified CriticalIllness Available Once During The Policy Year
Emergency Domestic Evacuation (Bed To Bed on Advise of Treating Doctor) Covered up to INR 100,000
Health & Wellness Benefits
Health Check-up Annual
Preventive Healthcare & Wellness Available
Maternity Benefits
Maternity cover for up to 2 deliveries INR 50,000
New Born Baby Cover Base SI of mother
Vaccinations for new born baby in the first year Up to INR 10,000
Nutritional Allowance for Mother post discharge Up to INR 10,000
Customer Level Options
Hospital Cash (For 30 Days in case of Hospitalisation Beyond 2 Days) INR 2,000 per day

Exclusions under Royal Sundaram Family Plus Insurance Plan

Below are some of the
  • Addictive conditions and disorders
  • Adventurous or Hazardous Sports
  • Ageing and puberty
  • Artificial life maintenance
  • Circumcision
  • Congenital conditions
  • Cosmetic surgery; Dental/oral treatment
  • Drugs and dressings for OPD Treatment
  • HIV and AIDS
  • Preventive care
  • Sexual problems and gender issues; Sexually transmitted diseases
  • Treatment for developmental problems
  • Treatment received outside India
  • Unproven/Experimental Treatment
  • Unrelated diagnostic, X-ray or laboratory examinations

Royal Sundaram Health Insurance FAQ’s

  • Initial Waiting Period is the cooling period applied at the start of new policy. This waiting period is not applicable for renewal policy or portability policy. Only Accidents are covered in the Intial Waiting period.
  • Pre Existing Disease waiting period is the waiting period applied for any of the existing disease customer is suffering from. It might vary from 4 years in Classic to 2 years in Elite Plan. With each policy year, the pre existing disease waiting period reduces by 1 year. Any claim related to pre existing disease hospitalization will not be covered in the policy during waiting period.

If you ever exhaust your health cover due to claims in a given year and there is a further claim either by you for a different illness or your insured family member, we will reload the entire sum insured of your policy at no extra cost. Reloaded sum insured will help you to settle those claims. Reload of Sum Insured is triggered when the claim amount exceeds the available sum insured including the NCB for a different illness or different person. Restore will not be triggered for second claim (of different illness or different person) of Rs.1lac and only Rs.50,000 will be paid. Whereas, Reload will be triggered and entire Rs,1lac will be paid).

Lifeline offers 10% of Sum Insured upto a max of 50% of Sum Insured for Classic Plan and 20% of Sum Insured upto a max of 100% for Supreme and Elite plan. Unlike NCB offered by other policies, there is no penalty in case of claim. Thus NCB earned by you remains as is even if you claim. For eg, if you have a policy with SI of Rs.5lacs (Supreme Plan) and there has been no claim in the first year, then at the time of renewal you will get a NCB of 20% (Rs.1lac). In second year, if you claimed then on second renewal your NCB of Rs.1lac will remain intact and it will not be reduced.

Absolutely! With employee health cover the major drawbacks come in picture when you leave your job that's when your policy goes out of action and exposes you to health risks. Your new employer may or may not cover you sufficiently. Also, having your own policy means a better buying decision and complete control to buy a cover which suits your requirement from time to time.

Under cashless hospitalization, the insured person does not settle the hospitalization expenses at the time of discharge from hospital. The settlement is done directly by us for treatment that the insured person is eligible to receive under the terms of his/her policy. This is for your convenience. However, it is important to note here that prior approval is required from us before admission into the hospital. In some cases, you may have to pay for all or part of the treatment if it is not fully covered under the terms of the policy. However, in case of emergency hospitalization, you can obtain approval post-admission. Please note that the cashless facility is available only at our Network Hospitals.


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CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2025