How does Flexi Reload work?

If the Base Sum Insured and No Claim Bonus are exhausted or insufficient due to claims, the policy automatically restores up to 100% of the Base Sum Insured once in a policy year. The reloaded amount can even be used for the same illness.

Does the policy provide wellness and preventive care services?

Yes. The policy includes preventive healthcare activities, disease management support, annual health check-ups, wellness articles, and optional Health & Wellness Plus benefits with rewards linked to physical activity.

Is there any coverage for pre-existing diseases before 36 months?

Yes. During the 2nd and 3rd policy years, declared pre-existing diseases can be covered with a 50% co-payment, subject to a maximum benefit of ₹2 lakh.

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Health Insurance

Royal Sundaram

Multiplier Health

Experience India's most trusted health insurance with Royal Sundaram Health Insurance. Get instant cashless treatment at 10000 network hospitals with sum insured up to ₹50 lakhs.

95.9

Claim Settlement Ratio

10000

Network Hospitals

0

Customer Rating

Get a Quote

95.9

Claim Settlement Ratio

10000

Network Hospitals

0

Customer Rating

Our Verdict

Expert Review: Royal Sundaram Health Insurance

Final Verdict

Multiplier Health is suitable for customers looking for a feature-rich health insurance policy with strong protection against major medical emergencies. The 4X Multiplier Benefit and Flexi Reload make it one of the stronger plans for high-cost hospitalization events.

About

About Royal Sundaram Health Insurance

Multiplier Health Insurance Plan is a comprehensive indemnity health insurance policy from Royal Sundaram that combines hospitalization coverage with preventive healthcare, wellness rewards, disease management support and enhanced financial protection. The standout feature is the 4X Multiplier Benefit, which provides an additional amount equivalent to four times the Sum Insured (including No Claim Bonus) for eligible life-threatening conditions. The policy also includes Flexi Reload, annual health check-ups, emergency domestic evacuation, organ donor coverage, vaccination after animal bite, AYUSH treatment, daycare procedures, domiciliary hospitalization, and modern treatments. Optional covers include ABCD Benefit, Hospital Plus, Health & Wellness Plus, and Voluntary Co-payment.

Multiplier Health Insurance Plan is a comprehensive indemnity health insurance policy from Royal Sundaram that combines hospitalization coverage with preventive healthcare, wellness rewards, disease management support and enhanced financial protection. The standout feature is the 4X Multiplier Benefit , which provides an additional amount equivalent to four times the Sum Insured (including No Claim Bonus) for eligible life-threatening conditions. The policy also includes Flexi Reload, annual health check-ups, emergency domestic evacuation, organ donor coverage, vaccination...

Inclusions and Exclusions

Inclusions and Exclusions of Royal Sundaram Insurance Company Limited

Room Rent

Normal: Covered up to Sum Insured
ICU: Covered up to Sum Insured

Advanced Treatments

Covered up to Sum Insured

Co-payment

No mandatory co-pay

Waiting Period

Initial Waiting Period: 30 Days
Pre-existing Disease Waiting Period: 36 Months
Specific Disease Waiting Period: 24 Months

Cashless Healthcare Providers

Cashless Available

Daycare Treatment

Covered up to Sum Insured

AYUSH Treatment

Covered up to Sum Insured

Room Rent

Normal: Covered up to Sum Insured
ICU: Covered up to Sum Insured

Advanced Treatments

Covered up to Sum Insured

Co-payment

No mandatory co-pay

Pageof 3

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 care protection accеssiblе and strеss-frее for еvеry housеhold.

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...