Overview
The Royal Sundaram Family Plus plan is a comprehensive health insurance policy designed to cover large families, with coverage extending to up to 19 members under a single policy. It offers a unique combination of individual and floater sum insured options, with individual coverage up to ₹15 lakhs and floater coverage up to ₹50 lakhs. The plan includes benefits such as maternity cover, newborn baby coverage, animal bite vaccination, and reload benefits for exhausted health cover, alongside standard health insurance coverages.
Experts Review
Written by Nikhil Nair
Senior Writer
The Royal Sundaram Family Plus plan is an attractive option for families seeking broad coverage and flexibility. Its ability to cover up to 19 relations under one policy makes it ideal for extended families. The inclusion of maternity benefits (up to ₹50,000 per delivery with a 2-year waiting period, up to 2 deliveries) and newborn baby coverage enhances its appeal for families planning parenthood.
Furthermore, the reload benefit ensures financial security by reinstating the sum insured once during the policy year for unrelated ailments. The plan also provides wellness features such as annual health check-ups and nutritional allowances up to ₹10,000 for mothers post-discharge.
However, the plan has some drawbacks that may limit its effectiveness for certain buyers. In addition, while the restoration perk is available, it can only be availed once per year and for unrelated ailments, reducing its utility in cases of multiple claims. Despite offering full room rent flexibility without capping, the plan’s coverage for modern treatments remains restrictive compared to other premium family health insurance plans.
Pros
Feature set is satisfactory.
Premiums are relatively well priced.
Insurer has a solid track record with great claim and service metrics.
Offers Vaccination cover for Animal Bite, which makes this policy stand out.
Cons
Doctor consultations are not covered, which is a notable gap. Need to opt add-on for doctor consultations.
Royal Sundaram
Key Insights
Founded
2001
Royal Sundaram was established 24 years ago and has built strong credibility over time, backed by its long-standing presence in the market.
Claims Experience
93% claims settled in 30 Days
Royal Sundaram settles 93% of all claims it receives demonstrating strong credibility.
Network Hospitals
10,000+
Royal Sundaram maintains a moderate network of 10,000 hospitals, offering reasonable coverage across key locations.
Complaints
17 complaints per 10,000 claims registered
Royal Sundaram experiences a moderate number of complaints, indicating room for improvement in addressing customer concerns.
Features
All
Great
Good
Vaccination cover for Animal Bite
STANDOUT
Get coverage for animal bite vaccination up to ₹5000 per policy year.
Co-payment
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.
Customisable
Choose a co-payment between 5% and 30% to reduce premiums.
Room Rent
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.
Disease sub-limit
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.
Pre existing diseases waiting
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.
Add-ons
Protector Benefit
Recommended
Covers list of 68 non-medical items as per list I
Voluntary Co-Payment
Choose a co-payment between 5% and 30% to reduce premiums.
Health & Wellness
Get tele-consultations with doctors whenever you require, a virtual health coach to help you boost your health and Health & Wellness app to manage yours health status.
Hospital Cash
Hospital cash benefit paid out if hospitalization is at least 2 days, with a maximum payout of ₹2000 for up to 30 days.
Permanent Exclusions
Conditions or treatments that the policy clearly says it will not cover.
Treatment for developmental problems
Expenses related to any admission primarily for diagnostics and evaluation purposes are excluded.
Diagnostic expenses not related or incidental to current diagnosis and treatment are excluded.
Expenses for admission primarily for bed rest and not for treatment are excluded.
Custodial care at home or in a facility for help with daily activities is excluded.
Disclaimer: For illustration purposes only - exact terms are in the policy wording.
Specific Illness
The following illnesses are not covered under the policy for 2 years.
Cataract
Stones in biliary and urinary systems
Hernia and Hydrocele (all types)
Hysterectomy for benign disorders
Lumps, cysts, nodules, polyps, internal tumours
Waiting Period
30 days Initial waiting period
2 years Specific illness waiting period
3 years Pre-existing disease waiting period
Ditto's Take
◦ Standard ◦
After a close look at the waiting periods, it’s safe to say they are fairly standard.
What's missing in the policy
Doctor consultations are not covered. Need to opt add-on for doctor consultations.
Customer Reviews
F
Fatima Bi
Covering up to 19 relations under one policy is amazing for large families like mine!
S
Sameer A.
Maternity benefits up to ₹50,000 and newborn cover are very useful for young couples.
L
Lakshmi P.
Reload benefit reinstates sum insured once for unrelated ailments. Good backup.
I
Irfan H.
Coverage for modern treatments is quite restrictive compared to other premium family plans.
K
Karan T.
50% sub-limit on modern treatments like robotic surgery is a major drawback. Can lead to huge expenses.
H
Harpreet K.
No room rent capping is a big plus, can choose any room without worry.
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Frequently Asked Questions
Does Family Plus have waiting periods?
- 30-Day Waiting Period: Hospitalizations won’t be covered for the first 30 days of the policy unless it’s an accident.
- Specific Illness Waiting Period: There’s a 2-year waiting period for a list of diseases which is a mandate before you can start claiming.
- Pre-Existing Disease Waiting Period: There's a 3-year waiting period for any pre-existing disease you may have while buying the policy.
- Maternity and Newborn Waiting Period: There’s a 2-year waiting period before you can make claims related to pregnancy and childbirth.
Does Family Plus have room rent restrictions?
Does Family Plus offer a restoration benefit?
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