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Royal Sundaram

Royal Sundaram

Multiplier Health

Royal Sundaram Multiplier Health Insurance is a unique plan across the industry - standing true to its name, the policy offers 4 times its sum insured (including the No-Claim Bonus) if you are diagnosed with any of the listed life-threatening medical conditions. The amount so disbursed can be used in the treatment of the ailment. The only clause associated with this perk is that policyholders can use this perk only 4 times across the policy period. However, despite this associated clause, the policy can be a good pick if you are comfortable with Royal Sundaram as your health insurer.

What's good here?

special mention
🎉Special Mention

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.

coPay

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.

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diseaseSublimit

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.

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restoration

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.

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ncb

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.

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domiciliary

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.

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roomRent

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.

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prePost

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.

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dayCare

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.

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healthCheckup

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.

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ayush

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.

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What's okay here?

ped

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.

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Add-ons

ABCD Benefit

This add-on will cut waiting periods to a mere 30 days for the following pre-existing conditions: Asthma, Hypertension, High Cholesterol, Diabetes. And if you are currently diagnosed with any of these conditions, it makes sense to opt for this add-on.

Health & wellness plus

With this add-on, the insured members get access to health and wellness app to track the physical activities with syncing facility with fitness bands (wearables) and free video / teleconsultations, virtual health coach, discounts on diagnostic centers, discounts on mobility devices, discounts on medical devices, discounts on OPD consultations with specified network. This benefit is complimentary if one opts for ABCD Benefit.

Hospital Plus

With this benefit, the insurance company covers the cost of consumables, cost of mobility devices such as crutches, wheelchair, prosthetics, etc. which has been advised as a part of treatment to deal with the disability induced by an accident up to specified limits.

Co-payment

This benefit helps to opt for co-payment between 5% to 20%.

Frequently Asked Questions

Yes. Multiplier Health imposes 3 kinds of 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.
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