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Renewal Disclosures

Premium will be charged based on the age band in the premium table and is subject to a

maximu m increase of 45% . Any further increase is subject to IRDA's approval.

In case of a claim during the tenure of the expiring policy then the renewal premium will

be loaded as per the policy terms and conditions.

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.

The sum insured can be enhanced at the time of renewal upto amaximum of 100% of the

expiring sum insured if there are no claims lodged / p aid 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 in cr ea se

and also in respect of any pre-existing diseases at the time of en rol men t un der thi s

policy. However the quantum of increase shall be at the discretion of the company.

Important Policy Exclusions*

Documents to be submitted at the time of claim

1. Pre-Existing conditions at the time of applying for insurance.

However these shall be covered after 48 month s of 

continuo us insurance under this policy.

2. 30 Days Waiting Period: Any disease contracted by the Insured

Person during the first 30 days from the Comm encement Date

of the cover

3.

Treatment of Congenital Internal Diseases, any type of 

Migraine /Vascular head ache, Stones in th e Urinary and

Biliary systems, Surgery on Tonsils / Adenoids, Gastric and

Duoden al Ulcer, any type of Cyst/ Nodules / Polyps, any type

of Breast Lumps for all insu red Persons for one year from the

commen cement date of the cover under this po licy.

If these are Pre-Existing at the time of the Proposal they shall

be treated a s Pre existing Disease.

Treatment of Spondylosis / Spondilitis, 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 or end stage Renal Failure, Heart

diseases, any type of Carcinoma / Sarcoma /Blood Cancer,

Osteoarthritis of any joint for all insured Persons. If these are

Pre-Existing Diseases at the time of the Prop osal they shall be

treated as a Pre -Existing Disease. If these are caused due to

accidents during policy period the exclusion will not be

applicable.

4. Treatment arising from or traceable to pregnancy/ childbirth

5. Circumcision unless necessary for treatment of a disease, not

excluded h ereunder or necessitated due to an accident.

6. The cost of spectacles, contact lenses and hearing aids.

7. Dental treatment or surgery of any kind unless requiring

hospitalisation.

8. All expenses arising out of any condition directly or indirectly

caused by or associated with AIDS.

9. Any routine or preventative examination s, vaccinations,

inoculation or screening.

10. Any cosmetic, plastic surgery, aesthetic or related treatment of 

any description, including any complication arising from

these treatments, whether or not for psychological reasons,

unless medically necessary as a result of an accident.

11. Diseases due to alcohol abuse, drug abuse and tobacco abuse

and its complications.*Above lists ofexclusions are illustrative only and are not exhaustive. For a detailed list refer to the policy

wordings which will be made available on request.

1. Duly filled claim form by insured and by the treating doctor.

a. First Year Exclusion s:

b. Two Year Exclusion s:

2. Original Discharge card / summary

3. Duly stamped hospital bill, with expenses clearly mentioned

under different heads.

4. Original reports, bills and note of advice by the doctor for

relevant patho logical Investigations, X - Ray, USG, CT Scan,

etc.

5. Medical bills with prescription, supporting the treatment.

6. Surgeon's certificate stating the nature of operation performed

and Surgeon's original bill & receipt.

7. Attending doctor's / Consultant's / Specialists /Anaesthetist's

original bill and receipt, and certificate regarding diagnosis, as

applicable.

8. Any other documents if required.

You can use th is policy to claim your hospitalisation (subject to

exclusions and conditions) expenses through:

? – You will get Health Card for you

and your family mem bers to get access to the cashless facility

from the network hospitals. This means you can avail

hospitalization from any network hospital of our list after

showing the heal th card and obtaining approval

from the TPA (Third Party Administrator) and get treated

without payment.

Claim Procedure

Cashless Hospitalisation

ABOUT RO YAL SUNDARAM

or

Please Contact:

    P    T    4    7    7    /    J    A    N    1    1

Royal Sundaram Alliance Insurance Company Limited

Registered Office : 21, Patullos Road, Chennai - 600 002.

Corporate Office : Sundaram Towers, 45 &46, Whites Road, Chennai - 600 014.

Write: customer.services@royalsundaram.in Visit: www.royalsundaram.in

Royal Sundaram is the first private non-life Insurance company licensed to

operate in India. A joint-venture between Sundaram Finance and the RSA

Insurance Plc, UK. Royal Sundaram, draws on the global expertise and best

practices of the RSA Group and th e local understanding of Sundaram

Finance. This expertise and experience helps Royal Sundaram in offering its

customers best-in- class service and insurance solutions.

Disclaimer:

Insurance is the subject matter of solicitation. Family Good Health p olicy is issued byRoyal Sundaram Alliance Insurance Company Limited. Claims will be settled by Royal

Sundaram Alliance Insurance Company Limited as per the terms and conditions of thepolicy. This brochure is not a contract of Insurance. Please refer policy document for exact

terms and conditions and specific details applicable to this Insurance. This plan isunderwritten by Royal Sundaram Alliance Insurance Company Limited. Yourparticipation in this insurance product is purely on a voluntary basis. We advise you to

take your own professional advice before you participate. Family Good Health policy areapproved product o f IRDA.

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Up to 35 Yrs

2 Adult2 Child

2 Adult3 Child

1 Adult1 Child

2 Adult1 Child

2 Adult1 Adult

36-45 Yrs

46-55 Yrs

56-60 Yrs

61-65 Yrs

66-70 Yrs*

Age Band

2,00,000

Two Years ( ` )

4,434 7,094 8,110 9,020 9,930 5,450

5,296 8,474 9,511 10,489 11,467 6,333

7,710 12,335 14,208 16,046 17,884 9,583

9,969 15,948 18,255 20,562 22,869 12,276

13,029 20,845 23,152 25,459 27,766 15,336

13,029 20,845 23,152 25,459 27,766 15,336

Health emergencies come unannounced and disturb your financial

plannin g. You m ust have taken life insurance for your life

emergencies,

Royal Sundaram invites you to enroll you and your family under a

quality Health Insurance plan. Family Good Health simplifies

health insurance a great deal and makes it more convenient and

easy to buy.

Family Good Health is a comprehensive health insurance for you

and your loved ones (Spouse, dependent children and dependent

parents). The members enrolled under this plan should be between

91 days to 65 years. Dependent Children sh ould be b etween 91 days

to 21 years. However renewal is accepted upto 21 years for

dependen t children and upto 70 years for others.

This Plan covers the expenses incurred towards inpatient

hospitalisation for a period more than 24hrs, for the illness / 

diseases contracted or injury sustained by the insured person

during the period o f Insurance.

The Key Features of the plan are as un der:

?One sum insured covering all family members.

?No medical examination required for enrolment for persons

upto comp leted age of 50 years.

?Cashless hospitalisation through more than 3000 network 

hospitals across India.

?30 days pre-hospitalisation and 60 days post-hospitalisation

expenses.

?Cumulative Bonus - Sum insured under the policy shall be

progressively increased by 5% for every claim free year of 

insurance, subject to a maximum o f 50%.

?Coverage for pre-existing diseases after 48 months of 

continuou s insurance under this policy.

?Save Tax: Income tax benefits on premium paid under section

80-D of the IT act

?Easy documen tation and hassle-free claim settlement.

? – pays for the daycare procedures which

don't require 24hours of hospitalisation due to advancement

in technolo gy.

?Pre & Post-hospitalisation expenses for 30 days and 60 days

respectively will be reim bursed.

?Ambulance charges in an emergency, subject to a limit of 

Rs.1000/- per person per claim.

?Floater Advantage – The floater plan provides the advantage of 

the total sum insured floating between the members covered.

Every member covered under this plan will be able to use the

sum insured. Unlike the individual plan, the floater plan is

but what about h ealth?

 

Key Features

Special Benefits

 Daycare treatments

?

adult can be covered under this plan.

?Master Health Check up -

Rs.750/- per insured person towards cost of master health

check up after every four consecutive claim free years of p olicy.

?Hospital Cash Benefit – For all admissible claims, apart from

the med ical expenses, a daily cash benefit of Rs.500 for each 24

hours of ho spitalisation will be paid. This cash benefit is aimed

towards out of pocket expenses over and ab ove hospitalisation

expenses.

?Convalescence Benefit – For all admissible claims, if the

hospitalization exceeds 21 consecutive days a lump sum of 

Rs.10,000 per Insured Person will paid as convalescence benefit

subject to a limit of Rs.20,000/- for all Insured Persons durin g

the policy period.

Adults can be self (proposer), spouse, dependent mother,

dependent father. Child should be aged between 91 days and 21

years and should be financially dependent upo n the proposer.

Premium for the family will be based on number of members

covered under the policy and the age of the eldest member of the

family as per the grid below.

cheaper and convenient for the who le family. Even a single

You can get reimbu rsed upto

Additional Special Benefits

#Premium Grid

Up to 35 Yrs

2 Adult2 Child

2 Adult3 Child

1 Adult1 Child

2 Adult1 Child

2 Adult1 Adult

36-45 Yrs

46-55 Yrs

56-60 Yrs

61-65 Yrs

66-70 Yrs*

Age Band

2,00,000

One Year ( ` )

2,333 3,734 4,269 4,748 5,227 2,868

2,787 4,460 5,006 5,521 6,036 3,333

4,058 6,492 7,478 8,445 9,412 5,044

5,247 8,394 9,608 10,822 12,036 6,461

6,857 10,971 12,185 13,399 14,613 8,071

6,857 10,971 12,185 13,399 14,613 8,071

Up to 35 Yrs

2 Adult2 Child

2 Adult3 Child

1 Adult1 Child

2 Adult1 Child

2 Adult1 Adult

36-45 Yrs

46-55 Yrs

56-60 Yrs

61-65 Yrs

66-70 Yrs*

Age Band

5,00,000

One Year ( ` )

5,939 9,503 10,376 11,164 11,952 6,812

8,335 13,337 14,235 15,079 15,923 9,233

12,711 20,338 21,681 22,998 24,315 14,054

16,527 26,444 28,865 31,286 33,707 18,948

21,697 34,714 37,458 40,202 42,946 24,441

21,697 34,714 37,458 40,202 42,946 24,441

Premium Grid for Two Years

Up to 35 Yrs

2 Adult2 Child

2 Adult3 Child

1 Adult1 Child

2 Adult1 Child

2 Adult1 Adult

36-45 Yrs

46-55 Yrs

56-60 Yrs

61-65 Yrs

66-70 Yrs*

Age Band

4,00,000

One Year ( ` )

3,721 5,954 6,653 7,284 7,915 4,420

4,502 7,204 7,923 8,598 9,273 5,221

6,873 10,997 12,071 13,125 14,179 7,947

8,939 14,303 16,240 18,177 20,114 10,876

13,305 21,288 23,483 25,678 27,873 15,500

13,305 21,288 23,483 25,678 27,873 15,500

#Inclusive ofTPA fees and 10.3% Service Tax. Service Taxcharges subject to change with no tification of the

Government and will have an impending effect on the premium

.*For Renewal Only

Up to 35 Yrs

2 Adult2 Child

2 Adult3 Child

1 Adult1 Child

2 Adult1 Child

2 Adult1 Adult

36-45 Yrs

46-55 Yrs

56-60 Yrs

61-65 Yrs

66-70 Yrs*

Age Band

3,00,000

One Year ( ` )

3,189 5,103 5,750 6,333 6,916 3,836

3,594 5,751 7,012 8,198 9,214 4,855

5,466 8,746 10,276 11,778 13,280 6,996

7,096 11,354 12,886 14,418 15,950 8,628

10,549 16,877 18,613 20,349 22,085 12,285

10,549 16,877 18,613 20,349 22,085 12,285

Up to 35 Yrs

2 Adult2 Child

2 Adult3 Child

1 Adult1 Child

2 Adult1 Child

2 Adult1 Adult

36-45 Yrs

46-55 Yrs

56-60 Yrs

61-65 Yrs

66-70 Yrs*

Age Band

3,00,000

Two Years ( ` )

#Inclusive ofTPA fees and 10.3% Service Tax. Service Taxcharges subject to change with no tification of the

Government and will have an impending effect on the premium

.*For Renewal Only

6,060 9,695 10,923 12,031 13,139 7,288

6,828 10,927 13,324 15,577 17,508 9,225

10,385 16,617 19,524 22,377 25,230 13,292

13,483 21,573 24,483 27,393 30,303 16,393

20,041 32,065 35,363 38,661 41,959 23,339

20,041 32,065 35,363 38,661 41,959 23,339