About Royal Sundaram NeXT Gen Health Insurance Plan
Royal Sundaram NeXT Gen Health Insurance plan comes with 100% restoration of the sum insured once in a policy year for unrelated illnesses with the Reload Benefit. sIt offers a 10% no claim bonus of up to 50% as an enhancement in sum insured for every claim-free year. This Royal Sundaram health insurance policy also offers lucrative benefits, such as annual health check-ups, modern treatments cover, organ donor cover, and more.
Royal Sundaram NeXT Gen Health Insurance Plan: Key Highlights
| Categories | Specifications |
|---|---|
| Sum Insured | ₹5 lakh to ₹1.5 crore |
| Pre-policy Medical Check-up | Not required for up to 65 years and sum insured of up to ₹50 lakh |
| PED (Pre-existing Disease) Waiting Period | 3 years |
| Discount | 25% for Zonal discount Up to 9% multi-year policy discount |
| Co-Payment | No co-payment |
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Key Benefits of Royal Sundaram NeXT Gen Health Insurance Plan
Royal Sundaram NeXT Gen Health Insurance Plan Inclusions & Exclusions
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In-patient Hospitalization ExpensesIt covers the medical expenses incurred on getting hospitalized for a minimum of 24 hours, including room rent, nursing expenses, ICU charges, etc.
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Pre and Post-Hospitalization ExpensesIt pays for the healthcare costs incurred 30 days before the date of hospitalization and 60 days from the date of discharge.
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Modern TreatmentsIt covers the medical expenses incurred on modern treatments, such as oral chemotherapy, intra operative neuro monitoring (IONM), stem cell therapy, etc.
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Day Care TreatmentIt pays for the costs incurred on day care treatments that do not require a hospitalization of 24 hours.
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Organ Donor ExpensesIt covers in-patient medical costs incurred on harvesting the organ for the insured's organ transplant surgery.
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Domiciliary HospitalizationIt pays for the cost of domiciliary treatment done at the patient's home for at least 3 consecutive days in case transfer to the hospital is not possible.
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Sterility and infertility treatments
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Obesity and weight control treatments
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Treatments for alcoholism, drug or substance abuse
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Change of gender treatments
In case of emergency we are just a call away. Take care of your family, we will do the rest. Our claim specialists will reach your location & complete the formalties from filing the claim to documentation to coordinating with insurer, TPA & hospital. Available in New Delhi and 114+ cities View cities list ›Policybazaar Claim Process
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Royal Sundaram NeXT Gen Health Insurance Plan: FAQs
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Q1. Can I buy any add-on cover with my Royal Sundaram NeXT Gen Health Insurance plan?
Ans: Yes, you can buy any of the following add-on covers with your Royal Sundaram NeXT Gen Health Insurance plan on the payment of an additional premium:
- Pre-existing disease waiting period waiver add-on cover
- Consumable items add-on cover
- OPD add-on cover
- Maternity discount add-on cover
- Reload multiplier add-on cover
- ABCD add-on cover (Asthma, High Blood Pressure, High Cholesterol and Diabetes)
- Voluntary co-payment add-on cover
- Pre-post hospitalization multiplier add-on cover
- Room rent multiplier add-on cover
- Treatment at home add-on cover
- Health and wellness add-on cover
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Q2. How can I check the Royal Sundaram NeXT Gen Health Insurance plan price?
Ans: You can refer to the policy premium chart on the website of the insurer to check the Royal Sundaram NeXT Gen Health Insurance plan price. You can also use a health insurance premium calculator on policybazaar.com to calculate your premium for the policy.
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Q3. What happens if I stay in a higher room category than eligible under my Royal Sundaram NeXT Gen Health Insurance plan?
Ans: A proportionate deductible of 33.3% will be applicable in case you opt for a higher hospital room category instead of the eligible room category under your Royal Sundaram NeXT Gen Health Insurance plan.
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Q. What is the advantage of selecting a policy with a duration of more than 1 year?
Ans: If one buys Aditya Birla Health Insurance for more than a year, one can save 7.5 % and 10% on the 2 and 3 years premium, respectively.
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Q. How is an Individual cover different from a Floater cover?
Ans: In an Individual cover, coverage is offered to each individual in the family separately. In a Family Floater health insurance plan, each family member is covered based on a floater sum insured.
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Q. How is an Individual cover different from a Floater cover?
Ans: In an Individual cover, coverage is offered to each individual in the family separately. In a Family Floater health insurance plan, each family member is covered based on a floater sum insured.
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Q. What is a waiver of a mandatory co-pay cover?
Ans: This benefit is covered on payment of an additional premium. Therefore, any mandatory co-payment that is applicable under the Aditya Birla Activ Health Essential Plan will be waived off.
Royal Sundaram offers two types of claim settlements – cashless and reimbursement. Follow the steps to raise a claim:
- Find the nearest network hospital of Royal Sundaram
- Get admitted to the hospital
- Notify the insurance company about the hospitalization
- In case of pre-planned hospitalization, intimate the insurer before hospital admission.
- Fill up the pre-authorization form and submit it to the hospital staff
- The pre-authorization form will be sent to Royal Sundaram for approval.
- Once approved, obtain medical treatment.
- At the time of discharge, sign all the medical documents.
- Pay for the items/services not covered under the Royal Sundaram policy
- The network hospital will send the hospital bill to Royal Sundaram.
- After review, the insurance company will pay the bill amount directly to the network hospital.
- Intimate Royal Sundaram about the hospitalization
- In case of planned hospitalization, inform the insurance provider before hospital admission.
- Obtain medical treatment
- During discharge, pay the hospital bill in full.
- Collect all the medical documents, hospital bills and receipts
Our Claim specialists in below cities will reach your hospital or home in 30 minutes to support your health insurance claim
