ROYAL SUNDARAM ALLIANCE INSURANCE COMPANY LIMITED

Royal Sundaram Alliance Insurance Company Limited was the first private insurer in India to be licensed post privatization in 2001.They are a result of a joint venture of Sundaram Finance, which is one of the most respected non-banking financial institution in India and RSA, one of the oldest and second largest general insurer in the UK.

Another one of their health insurance plans is for individuals called the Health Shield Insurance.

The SALIENT FEATURES of this policy are:

· There are no medical tests up to the age of 50 years

· This covers self, spouse, dependent children as well as dependent parents all under one policy

· Lump sum payment of 2% of sum insured if hospitalization exceeds 15 consecutive days and where liability is admitted for hospitalization

· Ambulance charges subject to a limit of Rs.1000 per claim

· Reimbursement of expenses incurred on room, boarding as provided by the hospital/nursing home subject to a limit of 1.5% of the sum insured and for ICU to a maximum of 3% of the sum insured

· Reimbursement of expenses incurred on Surgeon’s fees (including Assistant surgeon’s fee) but limited to 40% of sum insured

· It also covers expenses incurred on:

· Anesthesia

· Blood

· Oxygen

· Operation theatre charges

· Medicines and drugs

· Diagnostic materials and X-ray

· Dialysis

· Chemotherapy

· Radiotherapy

· Donors medical expenses towards organ transplant

· Cost of pace maker

· Artificial limbs

· Cost of organs

· Pre-existing diseases will be covered after a waiting period of 4 continuous years

AGE LIMIT:

· Apart from self and spouse, dependent children, i.e. unmarried between the age of 91 days and 18 years can be covered under this policy

· Dependent parents up to the age of 50 years are also covered within the same policy

· Renewals will be accepted up to the age of 70 years

MAXIMUM AMOUNT PAYABLE TOWARDS VARIOUS TREATMENTS:

DISEASE/TREATMENT	LIMIT PER PERSON PER POLICY PERIOD
Cataract	7.5% of sum insured subject to a maximum of Rs.20000
Piles, Fistula, Tonsilitis, Sinusitis	10% of sum insured subject to a maximum of Rs.30000
Benign prostatic, Hypertrophy, Hernia	20% of sum insured subject to a maximum of Rs.50000
Joint Replacement	50% of sum insured subject to a maximum of Rs.1.5 lacs
Appendicitis and gall bladder stones and gynaec disorders including hysterectomy	25% of sum insured subject to a maximum of Rs.40000
Dialysis, Chemotherapy and Radiotherapy	10% of sum insured per month

PREMIUM TABLE:

FOR 1 YEAR:

AGE	Rs.1 lac	Rs.1.5 lacs	Rs.2 lacs	Rs.2.5 lacs	Rs.3 lacs	Rs.4 lacs	Rs.5 lacs
91 days – 25 years	1151/-	1581/-	1850/-	2271/-	2776/-	3589/-	4038/-
26-40 years	1861/-	2791/-	2947/-	3944/-	4420/-	5598/-	6871/-
41-45 years	2182/-	3272/-	3746/-	5016/-	5681/-	7116/-	8734/-
46-50 years	2731/-	3752/-	4956/-	6218/-	7710/-	9768/-	11026/-

FOR 2 YEARS:

AGE	Rs.1 lac	Rs.1.5 lacs	Rs.2 lacs	Rs.2.5 lacs	Rs.3 lacs	Rs.4 lacs	Rs.5 lacs
91 days – 25 years	2187/-	3002/-	3515/-	4316/-	5275/-	6819/-	7672/-
26-40 years	3536/-	5302/-	5601/-	7493/-	8397/-	10637/-	13056/-
41-45 years	4146/-	6217/-	7117/-	9527/-	10674/-	13521/-	16595/-
46-50 years	5189/-	7129/-	9419/-	11816/-	14649/-	18559/-	20949/-

· The premium amounts given above are inclusive of Service Tax of 10.3%

· The premium paid towards the health insurance is exempt from Income Tax under section 80D

EXCLUSIONS:

· All diseases/injuries existing at the time of proposing the insurance.

· Any disease contracted by the insured during the first 30 days from the commencement of the cover

· First year exclusions are for treatment of (except if caused due to an accident):

· Congenital internal diseases

· Any type of migraine/vascular headache

· Stones in the urinary and biliary systems

· Surgery on tonsils/adenoids

· Gastric and duodenal ulcer

· Any type of cyst/nodule/polyps

· Any type of breast lump

· Two year exclusions are for treatment of (except if caused due to an accident):

· Spondylosis

· Any type of inter vertebral disc prolapse and such other degenerative disorders

· Cataract

· Benign prostatic hypertrophy

· Hysterectomy

· Fistula

· Fissure in anus

· Piles

· Hernia

· Hydrocele

· Sinusitis

· Knee/hip joint replacement

· Chronic renal failure

· Heart disease

· Any type of carcinoma/sarcoma/blood cancer

· Osteoarthritis of any joint

· Injury or disease caused due to war invasion

· Circumcision unless necessary for treatment of a disease

· Cost of spectacles, contact lenses and hearing aids

· Any dental treatment or surgery which is a corrective, cosmetic or aesthetic procedure, including wear and tear, unless arising from accidental injury and which requires hospitalization for treatment

· Convalescence general debility “run down” condition or rest cure, congenital external disease or defects or anomalies, sterility, venereal disease, intentional self injury and use of intoxicating drugs/alcohol

· All expenses arising out of any condition due to AIDS and HIV

· Charges incurred at a hospital/nursing home for diagnostic, X-ray or laboratory examinations not consistent with any ailment, sickness or injury

· Expenses on vitamins and tonics unless forming part of treatment for injury or disease

· Injury or disease caused by nuclear weapons or materials

· Treatment arising from pregnancy, childbirth, miscarriage, abortion or complications of caesarean section

· Any treatment other than allopathic system of medicine

· Any routine or preventative examinations, vaccinations, inoculation or screening

· Outpatient treatment charges

· Sex change or treatment that results from or to sex change

· Hormone replacement therapy, cytotron therapy

· Cost of allopathic treatment if administered by non-allopathic practitioner

· Treatment of obesity and any weight control programs

· Treatment of psychiatric, mental, nervous or condition of insanity

· Any cosmetic, plastic surgery, aesthetic or related treatment of any description

· Use of intoxicating drugs or alcohol

· Any stay in hospital for any domestic reason

· Any treatment received outside India

· Any ayurvedic, homeopathic or naturopathic treatment

· Any fertility, sub-fertility or assisted conception treatment

· Any person engaged in hazardous activities like bungee jumping, parasailing, parachuting, etc

The Royal Sundaram health insurances can either be bought online from www.royalsundaram.in or from their toll free number 1800-345-8899

ADDITIONAL BENEFITS of buying a health insurance policy from Royal Sundaram are:

· There is a family discount of 10% if the policy is taken for 3 or more members from the same family under a single policy

· Reimbursement of health check up costs up to Rs.750per insured person after 5 consecutive claim free years

· The sum insured under this policy shall be progressively increased by 5% for every claim free year subject to a maximum of 50%. But the Cumulative Bonus will be reversed to 2 slabs in case of a claim

· Cashless facility towards claim reimbursements

· 24-hour helpline number

· Ambulance referral facilities

· Online access to medical and claim information

· Online storage of medical records

· Tie up with over 3000 hospitals across the country

ROYAL SUNDARAM ALLIANCE INSURANCE COMPANY LIMITED

Royal Sundaram Alliance Insurance Company Limited was the first private insurer in India to be licensed post privatization in 2001.

They are a result of a joint venture of Sundaram Finance, which is one of the most respected non-banking financial institution in India and RSA, one of the oldest and second largest general insurer in the UK.

Apart from health insurance plans for individuals and families, they also have a plan to take care of accidents, which is called the Accident Shield Insurance.

The SALIENT FEATURES of this policy are:

· It is designed to cover death, permanent total disability and permanent partial disability

· This policy gives a Death Benefit wherein in the case of an unfortunate event of fatal accident, the sum insured is paid to the nominee

· There is also a Permanent Total Disablement Benefit wherein in the unfortunate case of an accident resulting in PTD, the insured is paid the sum insured

· Permanent Partial Disablement Benefit is where if there is PPD due to an accident, the insured is paid a certain percentage of sum insured based on the disability

· An Education Grant is also available under this policy where in the event of death or PTD of any of the insured parent due to an accident, the company pays an educational grant for the dependent children who are in full term education

· The education grant is Rs.5000 per policy in the case of one dependant child and Rs.10000 per policy in the case of more than one dependant child

· There are no medical examinations to enroll for this policy

· Coverage up to Rs.10 lacs

COVERAGE:

· Any person who is a resident of India can be covered under this policy as long as s/he is between the age of 18 years and 70 years

· This insurance is also available for a spouse with a maximum age of 70 years

· Dependent children can also be covered under this policy with a minimum age of 5 years and maximum of 18 years

PREMIUMS:

COVERAGE	SILVER PLAN (Rs.)	GOLD PLAN (Rs.)	PLATINUM PLAN (Rs.)
Death	5 lacs	7.5 lacs	10 lacs
PTD	5 lacs	7.5 lacs	10 lacs
PPD (as a %)	5 lacs	7.5 lacs	10 lacs
Transportation expenses of mortal remains	10000	10000	10000
Education grant for one child Rs.10000 (up to maximum of 2 children in event of accidental death or PTD of either parent insured)	10000	10000	10000
1 year Premium	589/-	834/-	1080/-
2 year Premium	1080/-	1571/-	2062/-

· The premium amounts given above are inclusive of Service Tax of 10.3%

· The premium paid towards the health insurance is exempt from Income Tax under section 80D

EXCLUSIONS:

· Payment of compensation will not be given in respect of death, injury or disablement of the insured person is caused

· from intentional self injury, suicide or attempted suicide

· whilst under the influence of intoxicating liquor or drugs

· whilst engaging in aviation, whilst mounting into or dismounting from an aircraft other than as a passenger

· caused by venereal diseased, AIDS or insanity

· any person committing any breach of law with criminal intent

· insured suffering from any pre-existing condition

· arising out of war, invasion, civil war, rebellion, revolution, etc

· from ionizing radiation or contamination by radioactivity from any nuclear fuel or waste

· arising from nuclear weapon material

· contributed by child birth or from pregnancy

· whilst working in underground mines, explosives, engaged in activities such as skiing, racing, ice-hockey and similar hazardous activities

The Royal Sundaram health insurances can either be bought online from www.royalsundaram.in or from their toll free number 1800-345-8899

ADDITIONAL BENEFITS of buying a health insurance policy from Royal Sundaram are:

· If the policy is claim free and is renewed without any break, the benefits under death and Permanent Total Disablement coverage are increased by 5% for every claim free year up to 25%

· 10% family discount

· Cashless facility towards claim reimbursements

· 24-hour helpline number

· Ambulance referral facilities

· Online access to medical and claim information

· Online storage of medical records

· Tie up with over 3000 hospitals across the country

ROYAL SUNDARAM ALLIANCE INSURANCE COMPANY LIMITED

Royal Sundaram Alliance Insurance Company Limited was the first private insurer in India to be licensed post privatization in 2001.

They are a result of a joint venture of Sundaram Finance, which is one of the most respected non-banking financial institution in India and RSA, one of the oldest and second largest general insurer in the UK.

Another one of their health insurance plans is the Hospital Cash Insurance.

The SALIENT FEATURES of this policy are:

· There are no medical tests

· This covers self, spouse, dependent children as well as dependent parents

· Up to 180 days of hospitalization cash benefit

· Double accident benefit

· Triple ICU benefit

· For each 24 hour period of hospital confinement, the benefit payable is the daily sum insured as per the plan selected by policyholder

· Accident benefit is payable only in excess of first 24 hours of confinement

· Accident benefit payable will be increased to double the illness benefit for each 24 hour period of hours of confinement, resulting from the insured person sustaining injury due to road, rail or air accident

· Accident benefit is payable up to a maximum of 21 days during the entire policy period

· ICU benefit payable will be increased to triple the illness benefit for each 24 hour period of hospital confinement, where an insured is being confined to an intensive care unit for a maximum of 21 days during the policy period

· Under Convalescence benefit a fixed lump sum amount as per chosen plan is payable if the confinement in hospital exceeds 21 consecutive days

· Convalescence benefit is payable only once in the policy period

· Lump sum payment of 2% of sum insured if hospitalization exceeds 15 consecutive days and where liability is admitted for hospitalization

· Pre-existing diseases will be covered after a waiting period of 4 continuous years

KEY BENEFITS:

BENEFITS	SILVER PLAN	GOLD PLAN
Illness Hospital Confinement	Rs.500 per day	Rs.1000 per day
Accident Hospital Confinement	Rs.1000 per day	Rs.2000 per day
Intensive Care Benefit	RS.1500 per day	Rs.3000 per day
Convalescence Benefit	Rs.7500 lump sum	Rs.15000 lump sum

AGE LIMIT:

· Apart from self and spouse, dependent children and dependent parents

· Persons taking insurance under this plan have to between the age of 1 year and 60 years at the commencement date of the policy

· Renewals are accepted up to the age of 70 years

PREMIUMS:

AGE OF INSURED	SILVER PLAN (Rs.)	GOLD PLAN (Rs.)
1-45 years	785/-	1473/-
46-60 years	1178/-	2258/-
61-70 years (applicable only for renewals)	1570/-	3043/-

· The premium amounts given above are inclusive of Service Tax of 10.3%

· The premium paid towards the health insurance is exempt from Income Tax under section 80D

EXCLUSIONS:

· All diseases/injuries existing at the time of proposing the insurance.

· Any disease contracted by the insured during the first 30 days from the commencement of the cover

· First year exclusions are for treatment of (except if caused due to an accident):

· Congenital internal diseases

· Any type of migraine/vascular headache

· Stones in the urinary and biliary systems

· Surgery on tonsils/adenoids

· Gastric and duodenal ulcer

· Any type of cyst/nodule/polyps

· Any type of breast lump

· Spondylosis

· Any type of inter vertebral disc prolapse and such other degenerative disorders

· Cataract

· Benign prostatic hypertrophy

· Hysterectomy

· Fistula

· Fissure in anus

· Piles

· Hernia

· Hydrocele

· Sinusitis

· Knee/hip joint replacement

· Chronic renal failure

· Heart disease

· Any type of carcinoma/sarcoma/blood cancer

· Osteoarthritis of any joint

· Injury or disease caused due to war invasion

· Circumcision unless necessary for treatment of a disease

· Cost of spectacles, contact lenses and hearing aids

· Any dental treatment or surgery which is a corrective, cosmetic or aesthetic procedure, including wear and tear, unless arising from accidental injury and which requires hospitalization for treatment

· Convalescence general debility “run down” condition or rest cure, congenital external disease or defects or anomalies, sterility, venereal disease, intentional self injury and use of intoxicating drugs/alcohol

· All expenses arising out of any condition due to AIDS and HIV

· Charges incurred at a hospital/nursing home for diagnostic, X-ray or laboratory examinations not consistent with any ailment, sickness or injury

· Expenses on vitamins and tonics unless forming part of treatment for injury or disease

· Injury or disease caused by nuclear weapons or materials

· Treatment arising from pregnancy, childbirth, miscarriage, abortion or complications of caesarean section

· Any treatment other than allopathic system of medicine

· Any routine or preventative examinations, vaccinations, inoculation or screening

· Outpatient treatment charges

· Sex change or treatment that results from or to sex change

· Hormone replacement therapy, cytotron therapy

· Cost of allopathic treatment if administered by non-allopathic practitioner

· Treatment of obesity and any weight control programs

· Treatment of psychiatric, mental, nervous or condition of insanity

· Any cosmetic, plastic surgery, aesthetic or related treatment of any description

· Use of intoxicating drugs or alcohol

· Any stay in hospital for any domestic reason

· Any treatment received outside India

· Any ayurvedic, homeopathic or naturopathic treatment

· Any fertility, sub-fertility or assisted conception treatment

· Any person engaged in hazardous activities like bungee jumping, parasailing, parachuting, etc

The Royal Sundaram health insurances can either be bought online from www.royalsundaram.in or from their toll free number 1800-345-8899

ADDITIONAL BENEFITS of buying a health insurance policy from Royal Sundaram are:

· There is a family discount of 10% if the policy is taken for 3 or more members from the same family under a single policy

· Cashless facility towards claim reimbursements

· 24-hour helpline number

· Ambulance referral facilities

· Online access to medical and claim information

· Online storage of medical records

· Tie up with over 3000 hospitals across the country

ROYAL SUNDARAM ALLIANCE INSURANCE COMPANY LIMITED

Royal Sundaram Alliance Insurance Company Limited was the first private insurer in India to be licensed post privatization in 2001.

They are a result of a joint venture of Sundaram Finance, which is one of the most respected non-banking financial institution in India and RSA,

one of the oldest and second largest general insurer in the UK.

One of their health insurance plans is for families called the Family Health Insurance.

The SALIENT FEATURES of this policy are:

· This covers self, spouse, dependent children as well as dependent parents all under one policy

· The insurance is applicable for one and two years

· It is a family floater policy

· It covers expenses incurred towards inpatient hospitalization for a period more than 24 hours for the illness/disease contracted of injury sustained by the insured

· Pre-hospitalization expenses are covered for 30 days

· Post-hospitalization expenses are covered for 60 days

· Ambulance charges subject to a limit of Rs.1000 per claim

· Reimbursement of expenses incurred on room, boarding as provided by the hospital/nursing home subject to a maximum of 2% of the sum insured and for ICU to a maximum of 4% of the sum insured

· Reimbursement of expenses incurred on Surgeon’s fees (including Assistant surgeon’s fee) but limited to 40% of sum insured

· It also covers expenses incurred on:

· Anesthesia

· Blood

· Oxygen

· Operation theatre charges

· Medicines and drugs

· Diagnostic materials and X-ray

· Dialysis

· Chemotherapy

· Radiotherapy

· Donors medical expenses towards organ transplant

· Cost of pace maker

· Artificial limbs

· Cost of organs

· Pre-existing diseases will be covered after a waiting period of 4 continuous years

AGE LIMIT:

· Apart from self and spouse, dependent children, i.e. unmarried between the age of 91 days and 21 years can be covered under this policy

· Dependent parents up to the age of 50 years are also covered within the same policy

· Renewals will be accepted up to the age of 70 years for adults and up to the age of 21 years for dependent children

MAXIMUM AMOUNT PAYABLE TOWARDS VARIOUS TREATMENTS:

DISEASE/TREATMENT	LIMIT PER PERSON PER POLICY PERIOD
Cataract	8% of sum insured
Piles, Fistula, Tonsilitis, Sinusitis	10% of sum insured
Benign prostatic, Hypertrophy, Hernia	20% of sum insured
Joint Replacement	50% of sum insured
Appendicitis and gall bladder stones and gynaec disorders including hysterectomy	20% of sum insured
Dialysis, Chemotherapy and Radiotherapy	10% of sum insured per month

PREMIUM TABLE:

FOR 1 YEAR:

SUM INSURED	AGE	2A	2A+1C	2A+2C	2A+3C
Rs.1 lac	Up to 35 years	2255/-	3070/-	3886/-	4702/-
	Up to 45 years	3127/-	3942/-	4758/-	5573/-
	Up to 50 years	4012/-	4827/-	5642/-	7081/-
Rs.2 lacs	Up to 35 years	3592/-	4904/-	6217/-	7517/-
	Up to 45 years	5177/-	6490/-	7803/-	10083/-
	Up to 50 years	7115/-	8428/-	9741/-	12020/-
Rs.3 lacs	Up to 35 years	5387/-	7356/-	9325/-	11293/-
	Up to 45 years	7764/-	9733/-	11701/-	15120/-
	Up to 50 years	10908/-	12875/-	14844/-	18262/-
Rs.4 lacs	Up to 35 years	6875/-	9420/-	11966/-	14511/-
	Up to 45 years	9837/-	12381/-	14926/-	19256/-
	Up to 50 years	13817/-	16362/-	18908/-	23237/-
Rs.5 lacs	Up to 35 years	7735/-	10598/-	13462/-	16327/-
	Up to 45 years	11064/-	13928/-	16791/-	21663/-
	Up to 50 years	15545/-	18407/-	21270/-	26142/-

· A Service Tax of 10.3% will be levied on all the premium amounts given above

· The premium paid towards the health insurance is exempt from Income Tax

EXCLUSIONS:

· All diseases/injuries existing at the time of proposing the insurance.

· Any disease contracted by the insured during the first 30 days from the commencement of the cover

· First year exclusions are for treatment of (except if caused due to an accident):

· Congenital internal diseases

· Any type of migraine/vascular headache

· Stones in the urinary and biliary systems

· Surgery on tonsils/adenoids

· Gastric and duodenal ulcer

· Any type of cyst/nodule/polyps

· Any type of breast lump

· Two year exclusions are for treatment of (except if caused due to an accident):

· Spondylosis

· Any type of inter vertebral disc prolapse and such other degenerative disorders

· Cataract

· Benign prostatic hypertrophy

· Hysterectomy

· Fistula

· Fissure in anus

· Piles

· Hernia

· Hydrocele

· Sinusitis

· Knee/hip joint replacement

· Chronic renal failure

· Heart disease

· Any type of carcinoma/sarcoma/blood cancer

· Osteoarthritis of any joint

· Injury or disease caused due to war invasion

· Circumcision unless necessary for treatment of a disease

· Cost of spectacles, contact lenses and hearing aids

· Any dental treatment or surgery which is a corrective, cosmetic or aesthetic procedure, including wear and tear, unless arising from accidental injury and which requires hospitalization for treatment

· Convalescence general debility “run down” condition or rest cure, congenital external disease or defects or anomalies, sterility, venereal disease, intentional self injury and use of intoxicating drugs/alcohol

· All expenses arising out of any condition due to AIDS and HIV

· Charges incurred at a hospital/nursing home for diagnostic, X-ray or laboratory examinations not consistent with any ailment, sickness or injury

· Expenses on vitamins and tonics unless forming part of treatment for injury or disease

· Injury or disease caused by nuclear weapons or materials

· Treatment arising from pregnancy, childbirth, miscarriage, abortion or complications of caesarean section

· Any treatment other than allopathic system of medicine

· Any routine or preventative examinations, vaccinations, inoculation or screening

· Outpatient treatment charges

· Sex change or treatment that results from or to sex change

· Hormone replacement therapy, cytotron therapy

· Cost of allopathic treatment if administered by non-allopathic practitioner

· Treatment of obesity and any weight control programs

· Treatment of psychiatric, mental, nervous or condition of insanity

· Any cosmetic, plastic surgery, aesthetic or related treatment of any description

· Use of intoxicating drugs or alcohol

· Any stay in hospital for any domestic reason

· Any treatment received outside India

· Any ayurvedic, homeopathic or naturopathic treatment

· Any fertility, sub-fertility or assisted conception treatment

· Any person engaged in hazardous activities like bungee jumping, parasailing, parachuting, etc

The Royal Sundaram health insurances can either be bought online from www.royalsundaram.in or from their toll free number 1800-345-8899

ADDITIONAL BENEFITS of buying a health insurance policy from Royal Sundaram are:

· Reimbursement of master health check up subject to a maximum of Rs.1500 per insured person after each 4 consecutive claim free years

· The sum insured under this policy shall be progressively increased by 5% for every claim free year subject to a maximum of 50%. But the Cumulative Bonus will be reversed to 2 slabs in case of a claim

· Cashless facility towards claim reimbursements