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Royal Sundaram General Insurance Company Limited - Health Shield Online

Health Shield Online

Salient Features:-

  • Instant Coverage
  • No Documentation required
  • No Medical Examination required
  • Income Tax benefit under section 80D of the IT Act
  • Family Discount of 10% for covering 3 or more family members under a single policy.

Who can be insured?

  • Self, Spouse and dependant parents up to the age of 50 years. Dependent Children (unmarried children, between 91 days & 18 years)
  • Renewals will be up to the age of 70 years. In case a person has a pre-existing disease, the customer will be asked to contact the nearest branch office for buying the policy.

Key Features & Benefits

  • Complete Health Insurance package for the entire family including the spouse and dependent children (above 90 days) & dependent parents up to the age of 50 years No Medical examination
  • Pre and Post Hospitalization cover up to 30 days prior and 60 days respectively.
  • Coverage for Pre-existing diseases after 4 consecutive years of insurance Cashless facility (in more than 3000 hospital across the country)
  • 24-hour help line number
  • Ambulance referral facilities
  • Online access to medical and claims information
  • Online storage of medical records (with uploading facility)
  • Reimbursement of Health check up cost up to Rs.750 per insured person after 5 claim free years of insurance
  • Lump-sum payment of 2% of Sum Insured if hospitalization exceeds 15 consecutive days and where liability is admitted for hospitalization.
  • Income tax exemption under Section 80 D up to Rs.15, 000/-.
  • Family Discount of 10% for covering 3 or more family members under a single policy.

Expenses Reimbursed under the Policy

  • Room, Boarding Expenses as charged by the Hospital/Nursing Home subject to a limit of 1.5% and for Intensive Care Unit 3% of the Sum Insured per day.
  • Surgeon, Anaesthetist, Medical Practitioner, Consultants & Specialists Fees are subject to a limit of 40% of the Sum Insured Nursing Expenses during hospitalization
  • Anaesthesia, Blood, Oxygen, Operation Theatre Charges, Medicines and Drugs, Diagnostic Materials and X-ray, Dialysis, Chemotherapy Radiotherapy, Donors medical expenses towards Organ transplant, Cost of Pacemaker, Artificial Limbs
  • Cost of organs.
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Important Exclusions

Pre-Existing Condition means any condition, ailment or injury or related condition(s) for which you had signs or symptoms and/or were diagnosed and/or received medical advice/ treatment, within 48 months prior to your first Policy Pre Existing Diseases shall however be covered after 4 years of consecutive insurance with Royal Sundaram.

Health Insurance Plan and Premium

One Year (Premium Inclusive of Tax)
Age Group 150,000/- 200,000/- 250,000/- 300,000/- 400,000/- 500,000/-
91 Days - 25 1581/- 1850/- 2271/- 2776/- 3589/- 4038/-
26-40 2791/- 2947/- 3944/- 4420/- 5598/- 6871/-
41-45 3272/- 3746/- 5016/- 5681/- 7116/- 8734/-
46-50 3752/- 4956/- 6218/- 7710/- 9768/- 11026/-
Two Year (Premium Inclusive of Tax)
Age Group 150,000/- 200,000/- 250,000/- 300,000/- 400,000/- 500,000/-
91 Days - 25 3002/- 3515/- 4316/- 5275/- 6819/- 7672/-
26-40 5302/- 5601/- 7493/- 8397/- 10637/- 13056/-
41-45 6217/- 7117/- 9527/- 10674/- 13521/- 16595/-
46-50 7129/- 9419/- 11816/- 14649/- 18559/- 20949/-
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*Family Discount 10% for covering 3 members or more.

For more details please refer the policy terms and conditions

Renewal Disclosures:

1. Premium will be charged based on the age band in the premium table and is subject to a maximum increase of 25%. Any further increase is subject to IRDA's approval.

2. In case of a claim during the expiring policy then the renewal premium will be loaded as per the following grid Ratio of:

Claims to Premium Loading %
Upto 400% Nil
400% to 800% 25%
800% to 1200% 50%
1200% to 1600% 75%
Above 1600% 100%
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3. Any change in the terms of cover during renewal shall be subject to IRDA's approval & a notice of 90 days before expiry of the policy shall be given.

4. The sum insured can be enhanced at the time of renewal upto a maximum of 100% of the expiring sum insured if there are no claims lodged / paid during all years of insurance and the age of the insured person is under 45 years. Such increased sum insured shall however not be applicable for treatment of diseases contracted prior to such increase and also in respect of any pre-existing diseases at the time of enrolment under this policy. However the quantum of increase shall be at the discretion of the company.


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