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Royal Sundaram

Royal Sundaram’s NextGen is a basic policy offering some customisations, like reduced waiting periods for pre-existing conditions (Asthma, Hypertension, High Cholesterol, Diabetes), maternity and OPD add-ons, and enhanced pre/post-hospitalization benefits. However, it has drawbacks like room restrictions, a 4-year waiting period for other pre-existing conditions, low bonuses, and limited restoration. While the add-ons improve the policy, they also raise premiums and reduce overall comprehensiveness.

What's good here?

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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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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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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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 - 30 days before you are hospitalized and 60 days after discharge. This includes the cost of medication by the way.

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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 bad here?

ped

Long 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 only after 4 long years. It could be much shorter you know? Like 2 years perhaps!

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What's okay here?

roomRent

You can pick a Single Private room but nothing fancy

You can share a room or you could have a single room for yourself. But if you are looking for anything slightly fancy, be ready to foot a part of the bill.

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restoration

Some Restoration Benefit

Even after you claim part of the cover on one occasion, you will have 100% of the cover restored, if you are hospitalized one more time in a bid to treat a different complication. In the same year, by the way.

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ncb

Special Bonus for being healthy and not claiming insurance

Your sum insured increases by 10% each year, so long as you make no claims during this period. But before you get too ahead of yourself, do note that they’ll stop offering you the bonus when your sum insured increases by 50%. Also, the bonus amount will reduce at same rate each time you make a claim. But hey, it's still a bonus.

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Add-ons

Reduction in PED

This optional cover reduces the applicable pre-existing waiting period from 48 months to either 36 months, 24 months, or 12 months. If you are currently diagnosed with any condition and want to reduce the waiting period, it makes sense to opt for this add-on.

Consumables Cover

With this add-on, you also get extended coverage for generally excluded items like syringes, gloves, PPE kits etc.

Maternity

With this add-on, the insurer provides a discount on maternity treatment availed at a specified list of networks.

Room Rent Modifier

With this add-on, the insurance company modifies the room rent restriction from Single Private Room to either Any Room or Shared Accommodation.

Pre-Post Hospitalisation Cover

With this add-on, the insurer extends the pre-hospitalization from 30 days to 60 days and post-hospitalization from 90 days to 180 days.

Treatment at Home

With this add-on, the insurer will cover the expenses for treatment taken at home for a maximum of 15 days upto ₹50,000 per incidence. A maximum of 2 incidences will be covered in a policy year.

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.

OPD

With this add-on, the insured members get coverage for OPD and tele consultations with general physician and specialist doctors, discount on pharmacy, diagnostic test & health check-ups.

Co-payment)

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

Health & Wellness

With this add-on, the insurance company offers teleconsultation with doctors whenever you require, a virtual health coach to help you boost your health and Health & Wellness app to manage yours health status.

Reload Multiplier

With this add-on, the insurer will restore your cover in full every time a claim is settled for any illness.

Frequently Asked Questions

Yes. NextGen 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 4-year waiting period for any pre-existing disease you may have while buying the policy.
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