Royal Sundaram Health Insurance Critical Illness Plans

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If you are looking for a complete healthcare package, critical illness health insurance is something you should not miss. It offers coverage against pre-specified illnesses and their treatments. This coverage can prove to be a lifesaver if an insured from your family is diagnosed with any life-threatening disease. In such cases, Royal Sundaram health insurance critical illness plans provide a lump sum benefit to the policyholder, ensuring quick and smooth treatment of the insured.

In the sphere of health insurance, Royal Sundaram has achieved several notable achievements. It was the first health insurance to experiment with cashless claim payment. Furthermore, the firm claims to become the initial private insurance provider to provide unique medical products like hospital cash benefits. Royal Sundaram health insurance products cover medical bills incurred on the treatment of you and your family members. The insurer provides particularly tailored health insurance packages to various segments of society at reasonable health insurance prices.

This page will provide an in-depth analysis of Royal Sundaram health insurance critical illness plans.

Royal Sundaram Critical Illness Policy

Major illnesses can strike anytime and leave you in a bad mental, physical and financial state. In these cases, when the family is concerned with the ongoing illness, the last thing they want to go through is financial trouble. Royal Sundaram health insurance policy provides a lump sum payout when the insured is diagnosed with any of the specified diseases during the policy term.

Benefits of Royal Sundaram Health Critical Insurance Policy

The following benefits of Royal Sundaram health critical illness policy give it an upper hand over competing critical illness health insurance plans:

  • Worldwide Coverage

Royal Sundaram health insurance has been providing superior healthcare coverage for over a decade and is now offering critical illness with worldwide coverage. Royal Sundaram health insurance critical illness plans offer financial assistance to you and your family in case of a critical illness. It provides 24/7 customer service assistance to you and your loved ones for one to three years at an affordable rate. An ideal policy for the elderly, children, or those who need quick cash assistance when diagnosed with major illnesses. The lifeline plans offer critical illnesses coverage to a worldwide audience other than the US and Canada. However, the policyholders can purchase US and Canada coverage for an additional premium.

  • Second Medical Opinion

When it comes to the health care system, it's important to make sure you have someone on your side. You see, when a major illness or accident strikes, it is important that you get the best care possible in order to become healthy again as soon as possible. A good Royal Sundaram health insurance critical illness policy offers a second medical opinion when it comes to major illnesses such as cancer, heart attack and stroke within specific time frames. It can provide you with assistance if you cannot afford the treatment costs or hospitalization fees.

  • High Sum Insured

If you are worried about your family's financial security during a critical illness, only then Royal Sundaram Health Insurance can help. It offers a sum insured range of INR 25 lakhs up to INR 1.5 crore, which is one of the highest in India. This means that even if you suffer from cancer or any other chronic illness that causes one-time high costs, you can get the treatment covered under the lumpsum payment since Royal Sundaram has taken measures to ensure thoroughness in their insurance policies by including such conditions as heart attacks, strokes, organ failure and surgeries among others.

  • Tax Breaks

Section 80D of the Income Tax Act offers tax breaks to policyholders who are actively paying health insurance premiums. The tax deduction limit is set up to INR 25,000 for policyholders aged below 60 years. For individuals who are over the age limit of 60 years, the same tax limit is shifted to INR 50,000. Both these conditions include a tax break of up to INR 5,000.

Key Features of Royal Sundaram Health Insurance Critical Illness Cover

Royal Sundaram health insurance critical illness plans provide critical illness cover for self, spouse, and dependent children. The lump sum pay-out supports your regular requirements as well as helps you to avail yourself of high-quality treatment without any financial constraints.

The following are the key features of Royal Sundaram health critical illness cover:

  • The plan covers 11 critical illnesses and their treatments
  • The plan includes a second medical opinion
  • Worldwide coverage
  • Affordable premiums
  • Healthcare check-up is covered

Royal Sundaram Health Insurance Critical Illness Policy List

Royal Sundaram health insurance critical illness cover is one of the most affordable critical illness policies available in the market right now. The plan provides coverage against 11 major illnesses with worldwide coverage (other than the US and Canada). Besides the plan offers the following coverages.


  • In-patient hospitalisation
  • Pre-hospitalisation (60 days)
  • Post-hospitalisation (180 days)
  • Day care treatment
  • Ambulance expenses
  • Organ donor expenses
  • No-claim bonus
  • Domiciliary hospitalisation
  • AYUSH therapy cover
  • Sum insured re-load
  • Animal bite vaccination
  • Emergency domestic evacuation
  • Worldwide emergency hospitalisation
  • 11 International critical illness with one-time airfare return
  • 11 Critical illness second opinion
  • OPD treatment
  • Healthcare check-up
  • Preventive healthcare with Wellness & Disease Management
  • 2 delivery maternity cover
  • Cover for newborn
  • Vaccination for newborn
  • Hospital cash benefit
  • EMI options
  • App-based cabs
  • Sum insured refresh
  • Pre-existing disease in-hospitalisation in case of life treatment medical conditions
  • Mobility devices
  • Bariatric surgery
  • IVF treatment

Royal Sundaram Health Insurance Critical Illness Plans FAQs

  • 1. Does Royal Sundaram health insurance critical illness plans cover alternative treatment expenses?

    No. The policy only covers allopathy treatments.

  • 2. Does Royal Sundaram health insurance critical illness plans cover maternity expenses?

    Yes. The plan covers maternity expenses for up to 2 deliveries. 

  • 3. What is the highest amount you can receive for critical illness coverage?

    You can receive amounts ranging up to 100% of your sum insured.

  • 4. Is preventive healthcare and wellness managament available under the policy?

    Yes, it is available for you.

  • 5. What is the waiting period for critical illnesses?

    The waiting period for critical illnesses is 90 days.

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