Royal Sundaram Health Insurance offers protection to individual and families. Health Shield Online is one of comprehensive health insurance which offers complete protection to you and your family. The policy covers your spouse, dependent children above 91 days to 18 years and dependent parents up to the age of 50 years. The policy can be renewed up to the age of 70 years. There is no medical examination and documentation is required for this policy.
This policy covers the following medical expenses under its sub-limits.
Room rent and boarding expenses are covered up to 1.5% of the sum insured
ICU expenses up to 3% of the sum insured on per day basis
Surgeon, consultant, medical practitioner, anesthetist and specialist fees up to 40% of the sum insured
The policy also covers nursing expenses, operation theatre charges, anaesthesia, blood, oxygen, cost of medicines and drugs, diagnostic materials, x-ray, dialysis, chemotherapy, radiotherapy, donors expenses towards organ donor transplant, cost of pacemaker, artificial limbs, cost of organs, etc. The pre and post hospitalization expenses are also covered up to 30 days prior and 60 days respectively. The policy also provides coverage for pre-existing diseases after 4 continuous policy years.
The policy covers health check-up cost up to Rs.750/- per insured person after 5 claim free years. It provides lump sum payment of 2% of the sum insured, if hospitalization exceeds 15 days consecutive days and where liability is admitted for hospitalization. It also provides 24 hour helpline and ambulance referral facility at no extra cost.
The policy provides cashless hospitalization service at over more than 3000 network hospitals across India. The policy also offers family discount of 10% for covering 3 or more family members under a single policy. The premium paid up to Rs.15,000/- is eligible for tax benefit under section 80D of the Income Tax Act,1961. There is online access to medical and claim information.
This policy covers the following medical expenses under its sub-limits.
Room rent and boarding expenses are covered up to 1.5% of the sum insured
ICU expenses up to 3% of the sum insured on per day basis
Surgeon, consultant, medical practitioner, anesthetist and specialist fees up to 40% of the sum insured
The policy also covers nursing expenses, operation theatre charges, anaesthesia, blood, oxygen, cost of medicines and drugs, diagnostic materials, x-ray, dialysis, chemotherapy, radiotherapy, donors expenses towards organ donor transplant, cost of pacemaker, artificial limbs, cost of organs, etc. The pre and post hospitalization expenses are also covered up to 30 days prior and 60 days respectively. The policy also provides coverage for pre-existing diseases after 4 continuous policy years.
The policy covers health check-up cost up to Rs.750/- per insured person after 5 claim free years. It provides lump sum payment of 2% of the sum insured, if hospitalization exceeds 15 days consecutive days and where liability is admitted for hospitalization. It also provides 24 hour helpline and ambulance referral facility at no extra cost.
The policy provides cashless hospitalization service at over more than 3000 network hospitals across India. The policy also offers family discount of 10% for covering 3 or more family members under a single policy. The premium paid up to Rs.15,000/- is eligible for tax benefit under section 80D of the Income Tax Act,1961. There is online access to medical and claim information.
