Royal Sundaram General Insurance 
Claim Settlement Ratio 81.5%
Claim Settlement Facility 100%
Network Hospitals 7000
Renewability 100%
COVID-19 Cover Yes
Incurred Claim Ratio 61%
Refresh of sum insured is a part of the reload of sum insured. Re-load sum insured is payable only in case of base sum insured and no claim bonus is completely exhausted and for the same illness other than for which the claim has already been paid in the same policy year. Refresh of sum insured is payable to the same insured person for the same illness for which the claim has already been paid in the same policy year. Refresh of sum insured is available only once during the lifetime of the policy. The refresh sum insured is not available worldwide for emergency hospitalization and international treatment for specified critical illness.
The company pays for the medical expenses arising from any of the pre-existing diseases which have been declared in the proposal form at the time of taking the policy. The maximum sum insured available under this section is Rs.1 lakh and can be availed only once in the lifetime of the policy. This benefit is available only in reimbursement mode.
Royal sundaram health insurance plan covers the medical expenses incurred for bariatric surgery during the policy period. The expenses incurred for hospitalization requiring bariatric surgery would be covered up to a maximum limit of Rs.50,000 under the policy. Any future complications arising out of the surgery would not be covered under the policy.
Royal sundaram health insurance provides a reload of sum insured equal to 100% of the base sum insured in case of no claim bonus and base sum insured completely or partially exhausted. The re-load of sum insured can be utilized for different illnesses and the re-load sum insured is not available worldwide for emergency hospitalization and international treatment for specified critical illness. Re-load of sum insured is applicable only for baseline cover benefits and not for optional benefits.
