What is the waiting period for maternity benefits?

Maternity benefits are available after a 24-month waiting period. The same waiting period also applies to attached newborn baby cover benefits.

What makes Family Plus different from regular family floater plans?

Family Plus offers a unique combination of individual sum insured for each member along with a common floater sum insured that can be used by all covered members. This creates multiple layers of protection within a single policy.

Does the policy cover newborn babies?

Yes. The plan includes newborn baby cover and vaccination expenses for the newborn during the first year, subject to policy conditions and maternity benefit eligibility.

How does the Reload Benefit work?

The policy provides a reload benefit up to the base sum insured once during the policy year after both the base sum insured and floater sum insured have been exhausted. The reloaded amount can be used jointly or individually by covered members.

OneAssure

Health Insurance

Royal Sundaram

Family Plus

Experience India's most trusted health insurance with Royal Sundaram Health Insurance. Get instant cashless treatment at 3500 network hospitals with sum insured up to ₹50 lakhs.

95.9

Claim Settlement Ratio

3500

Network Hospitals

0

Customer Rating

Policy Brochure

Get a Quote

95.9

Claim Settlement Ratio

3500

Network Hospitals

0

Customer Rating

Policy Brochure

Our Verdict

Expert Review: Royal Sundaram Health Insurance

Final Verdict

Family Plus stands out because it combines individual and floater sum insured in the same policy while offering maternity benefits, newborn coverage, and protection for extended family members.

About

About Royal Sundaram Health Insurance

Family Plus is a comprehensive family health insurance plan from Royal Sundaram that is designed to protect both immediate and extended family members under a single policy. A unique feature of the plan is its combination of individual sum insured and common floater sum insured, allowing multiple layers of protection. The policy includes maternity coverage, newborn baby cover, vaccination benefits, no room rent capping, reload benefits, no-claim bonus, domiciliary hospitalization, and wellness benefits. It is particularly suitable for families looking for long-term healthcare protection across generations.

Family Plus is a comprehensive family health insurance plan from Royal Sundaram that is designed to protect both immediate and extended family members under a single policy. A unique feature of the plan is its combination of individual sum insured and common floater sum insured, allowing multiple layers of protection. The policy includes maternity coverage, newborn baby cover, vaccination benefits, no room rent capping, reload benefits, no-claim bonus, domiciliary hospitalization, and wellness benefits. It is...

Family Plus Ratings

Family Plus

Insurer Rating

5.25

out of 10

Insurance Rating

8

out of 10

No Room Rent Limit

Yes

Consumables Covered

No

No Co-payment

Yes

Loyalty Bonus >= 500%

Yes

No Disease Sublimits

Yes

Unlimited Restoration

Yes

Additional Benefits (Informational Only — Not part of score)

PED Waiting <= 2 Years

No

Maternity Available

No

Waiting Period Waiver

Yes

Testimonials

Real People. Real Relief

These are the moments that show what we really do. We don't sell you a policy. We stand by you when it matters most.

I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.

Prashant Pandey

Mumbai, Maharashtra

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

Mumbai, Maharashtra

My heartfelt thanks to the OneAssure team for making my insurance claim process effortless. Right from the very first interaction, they demonstrated professionalism, clear communication, and an impressive command of the procedures involved. Their swift updates, timely guidance, and persistent follow-through removed all the stress from what could have been a complicated experience.

Anju Renjith

Bengaluru, Karnataka

I am truly grateful for the support and guidance I received in settling my insurance claim. The entire process was handled with great professionalism, clarity, and efficiency. Their prompt response, deep knowledge of the procedures, and consistent follow-ups ensured a smooth and hassle-free experience.Thank you once again for your invaluable help, highly recommended!

Yogesh Meena

Jaipur, Rajasthan

I recently had the pleasure of purchasing health insurance for my parents through this company, and my experience has been exceptional...The team was incredibly patient and took the time to explain every detail to me. No matter how many times I asked questions, they were always calm and thorough in their explanations. Their professionalism and dedication made a significant difference in helping me make an informed decision.

Akash Kumar

West Bengal

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Inclusions and Exclusions

Inclusions and Exclusions of Royal Sundaram Insurance Company Limited

Room Rent

Normal: No Room Rent Capping
ICU: Covered up to Sum Insured

Advanced Treatments

Not mentioned

Co-payment

Not mentioned

Cashless Healthcare Providers

7,000+ Network Hospitals

Waiting Period

Initial Waiting Period: 30 Days
Pre-existing Disease Waiting Period: 36 Months
Specific Disease/Procedure Waiting Period: 24 Months (16 specified diseases/conditions)
Maternity Waiting Period: 24 Months

Daycare Treatment

Covered up to Sum Insured

AYUSH Treatment

Covered

Room Rent

Normal: No Room Rent Capping
ICU: Covered up to Sum Insured

Advanced Treatments

Not mentioned

Co-payment

Not mentioned

Exclusions

Not available

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About the company

Ovеrviеw of Royal Sundaram Hеalth Insurancе Royal Sundaram Hеalth Insurancе, a division of Royal Sundaram Gеnеral Insurancе Co. Limitеd, is among India’s most dеpеndablе and customеr-friеndly hеalth insurеrs. Thе company focusеs on providing affordablе and flеxiblе hеalth solutions that catеr to individuals, familiеs, and sеnior citizеns with varying health care needs. With a widе nеtwork of ovеr 10,000 hospitals across thе country, Royal Sundaram еnsurеs quick and hasslе-frее cashlеss trеatmеnts for its policyholdеrs. Thе insurеr is known for its transparеnt claim procеss, innovativе plan options, and long-standing commitmеnt to customеr satisfaction. Its approach combinеs rеliability, simplicity, and valuе, making health...

Ovеrviеw of Royal Sundaram Hеalth Insurancе Royal Sundaram Hеalth Insurancе, a division of Royal Sundaram Gеnеral Insurancе Co. Limitеd, is among India’s most dеpеndablе and customеr-friеndly hеalth insurеrs. Thе company focusеs on providing affordablе and flеxiblе hеalth solutions that catеr to individuals, familiеs, and sеnior citizеns with varying health care needs. With a widе nеtwork of ovеr 10,000 hospitals across thе country, Royal Sundaram еnsurеs quick and hasslе-frее cashlеss trеatmеnts for its policyholdеrs. Thе insurеr...