Objective

This policy aims to cover expenses that are not not insured by other health insurance policies.

Suited for

It can be bought by anyone sufficiently insured under a basic health cover and is looking to cover petty expenses that are beyond the scope of other health plans. The cover is available for self, spouse, dependent parents and dependent children.

What does it do?

It has two plans: Silver and Gold. You may select either based on your requirement. Gold variant offers a higher cash allowance. The daily cash benefit will double in case of hospitalisation due to accident and triple on admission to ICU. The cash allowance amount can be spent by policyholder at his discretion.

Pros

It provides triple cash benefit if admitted to ICU and double cash allowance if hospitalised due to accident.
Premiums paid towards this policy enjoy a tax benefit under Section 80D.

Our View

The daily cash benefit can be utilized to pay for medical expenses or other expenses such as travel, accommodation and food of family members. Depending on severity of the situation such as accidental hospitalisation or ICU admission, this policy increases the cash allowance benefit for certain number of days. Buy this policy only if you already have a basic health insurance policy. This policy is not meant to replace health insurance plans but should be treated as a supplementary policy to enhance coverage.

Eligibility

Entry Age (years)

Minimum

1

Maximum

60

Maximum Policy Renewal Age (years)

70

Coverage Type

Individual

Policy Term (years)

1

Sum Insured (Rs)

Maximum

Daily Cash Benefit of 1000

Minimum

Daily Cash Benefit of 500

Discount

10% family discount on covering more than 3 family members

Customer Service

Address

Royal Sundaram Alliance Insurance Company Limited
Sundaram Towers 45 & 46,
Whites Road, Chennai 600 014

Mail to

customer.services@royalsundaram.in

Call to

1860 425 0000 (toll free)

SMS

Type HCASH and send to 560701

Network Hospitals

Http://www.royalsundaram.in/App/search-hospital-list.aspx

Scope of Cover

Silver Plan

Gold Plan

Daily cash benefit in case of:

Hospitalisation

Rs 500 for each 24 hours completed in a hospital for upto 180 days

Rs 1000 for each 24 hours completed in a hospital for upto 180 days

ICU stay

Cash benefit of Rs 1500 for maximum of 21 days

cash benefit of Rs 3000 for upto 21 days

Accidental hospitalisation

cash benefit of Rs 1000 for upto 21 days

cash benefit upto Rs 2000 for upto 21 days

Convalescence Benefit (if hospitalisation exceeds 21 days)

lumpsum upto Rs 7500 once during the policy period

lumpsum upto Rs 15000 once during the policy period