Royal Sundaram
Multiplier Health
The Royal Sundaram Multiplier Health Insurance plan is a distinctive offering that provides comprehensive health coverage with a unique multiplier benefit. It offers sum insured options of up to ₹25 lakhs, and includes essential benefits such as inpatient care, pre- and post-hospitalization expenses, daycare treatments, domiciliary hospitalization, and AYUSH treatments. Notably, it features a 4X multiplier benefit for life-threatening conditions, where the sum insured (including No-Claim Bonus) is multiplied by four, providing substantial coverage during critical medical situations.
What's good here?
4X Multiplier Benefit
In case of a life-threatening condition (as described in the policy schedule), the sum insured including NCB will be multiplied 4 times and the total cover can be used for any illness. But remember, this benefit can be used for up to 4 times in the policy lifetime across family members.
In case of a life-threatening condition (as described in the policy schedule), the sum insured including NCB will be multiplied 4 times and the total cover can be used for any illness. But remember, this benefit can be used for up to 4 times in the policy lifetime across family members.
You’ll never have to split the bill
The insurer will bear the entire cost of treatment (up to the sum insured). You won’t have to pay a single penny. Meaning this policy has no co-payment.
You always have full cover irrespective of the disease
No funny business here. If your insurer hasn’t explicitly stated they won’t cover a certain illness, you can claim the full amount up to the sum insured, irrespective of the disease you’re dealing with. Meaning this policy doesn't impose the dreaded disease wise sub-limits.
Good Restoration Benefit
Even after you claim part of the cover on one occasion, you will have 100% of the cover restored, so that you can use this benefit in the event you have to endure multiple hospitalizations.
Special Bonus for being healthy
Your sum insured increases by 20% each year, even if you've claimed in the previous year. But before you get too ahead of yourself, do note that they’ll stop offering you the bonus when your sum insured increases by 100%. But hey, it's still a bonus.
Full coverage even if you are forced to hospitalize at home
The insurer will bear the costs even if you are hospitalized at home due to a condition or the hospital running out of beds. In insurance lingo, they call this a policy with domiciliary cover.
Consumables are covered in this policy
Consumables are covered in this policy.
You can pick any room you like
Shared room, single room, deluxe room or any room that’s available. The insurer won’t nitpick on your choice of room since the policy has no restrictions on room rent.
Pre & Post hospitalization expenses covered
No worries if the doctor had to run a host of diagnostic tests before or after hospitalizing you. The insurer has your back. They will cover this amount in full for a pretty reasonable duration - 60 days before you are hospitalized and 90 days after discharge. This includes the cost of medication by the way.
Day Care treatments covered
If you’re hospitalized for less than 24 hours in lieu of a minor procedure, then the insurer will cover these costs too. Think dialysis, chemotherapy or minor surgeries.
Free Health Checkups every year
If you’re planning on getting a full body checkup every year just to make sure you’re in fine working condition, the insurer will cover the costs.
Covers Alternative Medicine
Think of getting Ayurvedic, Homeopathic or other alternative treatments to cure an illness? Your insurer will cover you fully, up to the sum insured.
What's bad here?
Gym benefits aren't included in this policy
Gym benefits aren't included in this policy.
Gym benefits aren't included in this policy.
What's okay here?
Reasonable waiting period for pre-existing diseases
If you’re already dealing with diabetes, cardiovascular problems or any such illnesses, the insurer will cover all costs arising out of these pre-existing problems after you wait for 3 years.
Doctor consultations are not covered
Doctor consultations are not covered.
What's lacking here?
Maternity benefits not offered
The insurer does not cover expenses related to maternity
The insurer does not cover expenses related to maternity
Add-on
Hospital Plus
With this benefit, the insurance company covers the cost of consumables, the cost of mobility devices such as crutches, wheelchairs, prosthetics, etc., which have been advised as a part of treatment to deal with the disability induced by an accident up to specified limits.
Frequently Asked Questions
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