When does the policy period of this health insurance plan end?

The end of the policy period is scheduled after 1 year of policy inception, if not renewed.

What are the salient benefits available under this health insurance policy?

The salient benefits available under this Surgical Shield Plan include Surgical Benefit, Diagnostic Benefit, Emergency Ambulance, Hospital Cash, and so on.

What is the claim procedure offered under this health insurance plan?

All claims under this policy are administered by a Third Party Administrator (TPA) appointed by the company. It is necessary that all claim intimation is sent to TPA & all claim documents are submitted to TPA.

What will happen if I request a claim for the medical expenses from a Non-Network Hospital?

The benefit payable for any claims arising from a Non-Network Hospital will get reduced by 20%. In, short you will get 20% lesser claim benefit in comparison to the ones arising with network hospital.

What is the sum insured provided under this Surgical Shield Plan?

The sum insured amount of Rs. 3 Lakh is offered under this Surgical Shield Plan.

Can I gain any tax benefit with this health insurance plan?

The Surgical Shield Plan is approved by IRDAI and its premium amount is applicable to get an exemption from income tax as per section 80D subject to the relevant provision of the Income Tax Act 1961.

What is the age criteria applicable to get coverage under the Surgical Shield Plan?

The insurance is available to persons between the age of 91 days and 65 years at the policy start date, whereas the policyholder should have a minimum age of 18 years on the policy start date.

Within how much time I need to report my claim?

All claims arising under Surgical Shield Plan should be reported to the TPA within 30 days from the date of discharge from the hospital along with the required documents.

Which relationships can find coverage under this health insurance policy with the proposer?

The proposer can include his/her spouse and dependent children under this plan.

Is any portability option available under this health insurance plan?

Yes, the Surgical Shield insurance policy is portable. If the proposer desires to port to this policy, application in the appropriate form should be submitted before 45 days from the date of renewal.

Royal Sundaram Surgical Shield Health Insurance Wordings

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Highlights

Claim Settlement Ratio	98.60%
Network Hospitals	10,000+
Pre-existing Disease Waiting Period	3 years
Special Benefits	Modern Treatments Such as Bariatric Covered
Starting Premium for Rs. 5 lakhs SI	Rs. 382/month
Starting Premium of Rs. 5 lakhs SI	Rs. 382/month

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Royal Sundaram Surgical Shield Brochure

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Sep 30, 2019

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Royal Sundaram Health Insurance Plan List

Critical Illness (2)
Family (12)
Individual (8)
Senior Citizen (1)
Parents (2)
Kids (1)
Maternity (1)
Woman (1)

Name of Plan	Sum Insured
LifelineMin: 91 Days; Max: No Limit	2 Lakh	Check Premium
Arogya Sanjeevani PolicyMin: 3 Months; Max: 65 Years	1 Lakh - 5 Lakh	Check Premium
Family PlusMin: 91 Days; Max: No Limit	2 Lakh	Check Premium
Corona Kavach PolicyMin: 1 Day; Max: 65 Years	50,000 - 5 lakh	Check Premium

Royal Sundaram Health Insurance Top Up List

Critical Illness (1)
Family (1)
Individual (2)
Senior Citizen (1)
Top-up (1)

Name of Plan	Sum Insured
LifelineMin: 91 Days; Max: No Limit	2 Lakh	Check Premium

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FAQs on Surgical Shield Health Insurance Plan

When does the policy period of this health insurance plan end?
The end of the policy period is scheduled after 1 year of policy inception, if not renewed.
What are the salient benefits available under this health insurance policy?
The salient benefits available under this Surgical Shield Plan include Surgical Benefit, Diagnostic Benefit, Emergency Ambulance, Hospital Cash, and so on.
What is the claim procedure offered under this health insurance plan?
All claims under this policy are administered by a Third Party Administrator (TPA) appointed by the company. It is necessary that all claim intimation is sent to TPA & all claim documents are submitted to TPA.
What will happen if I request a claim for the medical expenses from a Non-Network Hospital?
The benefit payable for any claims arising from a Non-Network Hospital will get reduced by 20%. In, short you will get 20% lesser claim benefit in comparison to the ones arising with network hospital.
What is the sum insured provided under this Surgical Shield Plan?
The sum insured amount of Rs. 3 Lakh is offered under this Surgical Shield Plan.
Can I gain any tax benefit with this health insurance plan?
The Surgical Shield Plan is approved by IRDAI and its premium amount is applicable to get an exemption from income tax as per section 80D subject to the relevant provision of the Income Tax Act 1961.
What is the age criteria applicable to get coverage under the Surgical Shield Plan?
The insurance is available to persons between the age of 91 days and 65 years at the policy start date, whereas the policyholder should have a minimum age of 18 years on the policy start date.
Within how much time I need to report my claim?
All claims arising under Surgical Shield Plan should be reported to the TPA within 30 days from the date of discharge from the hospital along with the required documents.
Which relationships can find coverage under this health insurance policy with the proposer?
The proposer can include his/her spouse and dependent children under this plan.
Is any portability option available under this health insurance plan?
Yes, the Surgical Shield insurance policy is portable. If the proposer desires to port to this policy, application in the appropriate form should be submitted before 45 days from the date of renewal.

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Claim Process at Royal Sundaram Health Insurance

Network Hospital
Non-Network Hospital

1
Claim Assistance
For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
2
Claim Intimation
Emergency hospitalisation needs intimation within 48 hours and for planned hospitalisation intimate at least 48 hours prior to admission.
3
Claim Processing
Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
4
Claim Settlement
Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.

1
Claim Assistance
For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
2
Claim Intimation
Emergency hospitalisation needs intimation within 48 hours and for planned hospitalisation intimate within 72 hours prior to admission.
3
Claim Processing
Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
4
Claim Settlement
Once your request for reimbursement of expenses is approved, the claim will be settled.

Royal Sundaram Health Insurance Contact Details

Reach us for help anytime

Insurance Dekho
755 1196 989Mon to Sun 10:00 AM to 7:00 PM
support@insurancedekho.com
Royal Sundaram Health Insurance
1860-425-0000Mon to Fri 10:00 AM to 7:00 PM
customer.services@royalsundaram.in