What is the sum insured offered under Total Health Advantage Plan?

The sum insured amount offered under this plan ranges from Rs. 2 Lakh to Rs. 20 Lakh.

Who all from my family can get coverage under this plan?

This policy offers the health cover to self, spouse, and dependent children.

Is maternity benefit available under the Total Health Advantage Plan?

Yes, the option of maternity benefit is offered under the Total Health Advantage Plan with a waiting period of 3 years. Also, this feature is available only under the Silver variant where it provides 10% of the SI subject to a max of Rs. 20000.

Does the Total Health Advantage Plan offer daycare treatment coverage?

Yes, the plan offers the coverage for medical expenses related to daycare procedures, which require hospitalisation for a period less than 24 hours.

What is the coverage term of Total Health Advantage Plan?

The Total Health Advantage Plan is available with the coverage term of 1 and 2 years.

Does this policy cover the ambulance charges?

Yes, the charges of emergency ambulance is covered under this plan. The coverage is provided for up to a sum of Rs. 1500 per hospitalisation under Silver and Gold variant of this plan whereas Rs. 5000 under its Platinum variant.

Does the Total Health Advantage Plan provide health check-up benefit?

Yes, coverage for health check-up expenses is offered. Under Silver and Gold variants of this plan, reimbursement of health check-up expenses is given maximum of up to Rs. 1500 per insured person, while under the Platinum variant it is up to Rs. 5000, after every 4 consecutive claim-free policy years.

Is there any coverage offered for out-patient expenses?

Yes, out-patient treatment expenses are offered under Gold and Platinum variants only, for up to Rs. 2500 and Rs. 5000.

How many network hospitals offer cashless hospitalisation for this plan?

The cashless hospitalisation for Total Health Advantage Plan is offered in over 3000+ network hospitals.

How much tax benefit can be earned out of this plan?

Under the Total Health Advantage Plan, the premium paid towards this health insurance will be eligible for tax benefits under Section 80D of the Income Tax Act, up to Rs. 25,000 per year.

Royal Sundaram Total Health Advantage 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 Total Health Advantage Brochure

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Sep 17, 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

4963 Royal Sundaram Cashless Network Hospitals in India

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FAQs on Total Health Advantage Health Insurance Plan

What is the sum insured offered under Total Health Advantage Plan?
The sum insured amount offered under this plan ranges from Rs. 2 Lakh to Rs. 20 Lakh.
Who all from my family can get coverage under this plan?
This policy offers the health cover to self, spouse, and dependent children.
Is maternity benefit available under the Total Health Advantage Plan?
Yes, the option of maternity benefit is offered under the Total Health Advantage Plan with a waiting period of 3 years. Also, this feature is available only under the Silver variant where it provides 10% of the SI subject to a max of Rs. 20000.
Does the Total Health Advantage Plan offer daycare treatment coverage?
Yes, the plan offers the coverage for medical expenses related to daycare procedures, which require hospitalisation for a period less than 24 hours.
What is the coverage term of Total Health Advantage Plan?
The Total Health Advantage Plan is available with the coverage term of 1 and 2 years.
Does this policy cover the ambulance charges?
Yes, the charges of emergency ambulance is covered under this plan. The coverage is provided for up to a sum of Rs. 1500 per hospitalisation under Silver and Gold variant of this plan whereas Rs. 5000 under its Platinum variant.
Does the Total Health Advantage Plan provide health check-up benefit?
Yes, coverage for health check-up expenses is offered. Under Silver and Gold variants of this plan, reimbursement of health check-up expenses is given maximum of up to Rs. 1500 per insured person, while under the Platinum variant it is up to Rs. 5000, after every 4 consecutive claim-free policy years.
Is there any coverage offered for out-patient expenses?
Yes, out-patient treatment expenses are offered under Gold and Platinum variants only, for up to Rs. 2500 and Rs. 5000.
How many network hospitals offer cashless hospitalisation for this plan?
The cashless hospitalisation for Total Health Advantage Plan is offered in over 3000+ network hospitals.
How much tax benefit can be earned out of this plan?
Under the Total Health Advantage Plan, the premium paid towards this health insurance will be eligible for tax benefits under Section 80D of the Income Tax Act, up to Rs. 25,000 per year.

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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