9877208272 Royal Sundaram Agent and Office in Ludhiana , Moga , Samrala

      

Royal Sundaram Multiplier POLICY

   Ÿ Reload Benefits

Ÿ Inpatient Care

Ÿ Modern Treatments

Ÿ Pre-Hospitalization

Ÿ Post-Hospitalization

Ÿ Day Care Treatments

Ÿ Organ Donor Expenses

Ÿ Domiciliary Hospitalisation

Ÿ Ayush Treatment

Ÿ Ambulance Cover including

App-based Cab cover

Multiplies your benefits and

also your Sum Insured.

Multiplies 11X and 4X during

the life time of the policy.

Health and Wellness App,

Video Consultations,

Virtual Health Coach.

Flexi Reload Benefit

Health coverage equivalent

to zero depreciation cover

under Motor Insurance.

Pre-Existing Disease

Coverage

ABCD Benefit Hospital Plus

Key Benefits

Baseline Benefits

Example: If customer takes `25 Lakhs base Sum Insured in the year 2022,

his/her No Claim Bonus (NCB) will be another `25 Lakhs (if no claim is made

in the next 5 years) and Flexi Reload of `25 Lakhs. Therefore in case of a Life

Threatening Conditions Multiplier delivers Sum Insured of `2.75 Crore which

is 11 times of base Sum Insured as product has several layers of protection.

5 Lakhs

7.5 Lakhs

55 Lakhs

82.5 Lakhs

10 Lakhs 110 Lakhs

15 Lakhs 165 Lakhs

20 Lakhs 220 Lakhs

25 Lakhs 275 Lakhs

Sum Insured No. of times

base sum

How much will

I get in Multiplier

11X

Amount in (`)

4X Multiplier Benefit

In Life Threatening conditions, an additional amount equivalent to 4(four)

times of Sum Insured and No Claim Bonus will be available to the Insured

Persons for all claims admissible during the Policy Year. This Benefit will be

available only 4 (Four) times in the Lifetime of Policy/Person across all

insured members.

Ÿ Second Opinion for 22

Critical Illness

Ÿ Vaccination in case of

Animal Bite

Ÿ Emergency Domestic

Evacuation

Ÿ Annual Health Check Up

Ÿ Preventive Healthcare,

Wellness and Disease

Management

Ÿ No Claim Bonus

UIN: RSAHLIP23030V012223

Power of 11X Sum Insured

One of the most unique feature of this product is that at the end of 5 years,

subject to no claim being reported, available Sum Insured will be 11 times of

base Sum Insured:

Multiplier Health Insurance Plan

Product Benefits

Sum Insured

Inpatient Care

Room Rent

Modern Treatments

Pre and Post Hospitalization Expenses

Day Care Treatments

Organ Donor Expenses

AYUSH Treatment

## Vaccination in case of Animal Bite

Emergency Domestic Evacuation

$$ 4X Multiplier Benefit

Preventive Healthcare, Wellness and

### Disease Management

Ambulance Cover including

# App-based Cab cover

Domiciliary Hospitalization

Second medical opinion for

22 specified critical Illnesses^

Flexi Reload Benefit

`5 Lakhs, `7.5 Lakhs, `10 Lakhs, `15 Lakhs, `20 Lakhs, `25 Lakhs

Covered up to Sum Insured

No Room Rent Capping

Covered up to Sum Insured

60/90 days, Covered upto Sum Insured

All Day Care Treatments are covered. Pre and Post covered

up to 30 days.

Product Feature Scope of Benefits Product Feature Scope of Benefits

Covered up to Sum Insured

Covered up to Sum Insured

Covered upto `5,000

Covered upto `100,000 per Insured Person per Policy year

Disease Management, Preventive Healthcare & Wellness Benefit

Available once during policy year for 22 specified

critical illnesses

Covered up to `5000 per hospitalization

Covered up to Sum Insured

In case of Life Threatening Conditions, Insured Person can utilise

4 times of base sum i nsured and No Claim Bonus. This benefit

can be availed for a maximum of 4 times in the l ifetime of a Policy.

Available upto 100% of Base Sum Insured even for same

illness for same insured person.

nd rd In 2 year & 3 year PED will be covered with 50% Co-payment

up to m aximum `2 lakhs i n a P olicy year. This benefit is available

for Inpatient only.

$$$ Pre Existing Disease (PED) Coverage

Asthma, High BP, High Cholesterol & Diabetes (declared &

st accepted) coverage from 31 day onwards during the PED

waiting period. This benefit is available only for in-patient.

ABCD Benefit

Hospital Plus Consumables and Mobility Devices Cover up to maximum of

`50,000/- per h ospitalisation if this benefit is opted.

[ Voluntary Co-payment

Instalment payment options

Waiting Periods

Co-payment Options - 5%, 10%, 15%, 20%

Monthly, Quarterly, Half Yearly, Annual

30 days

36 months

24 months waiting period for specified conditions

Initital Waiting Period

Pre Existing Waiting Period

1 Specific Waiting Period

For Adults: 18 years to 65 years (Lifetime renewability),

For Children: Dependent Children 91 days to 25 years

1/2/3 years

Notes:

Entry Age

Policy Period

1- 24 months waiting period for the following illnesses: 1. Cataract 2. Stones in biliary and urinary systems 3. Hernia / Hydrocele 4. Hysterectomy for any benign disorder

5. Lumps / cysts / nodules / polyps / internal tumours 6. Gastric and Duodenal Ulcers 7. Surgery on tonsils / adenoids 8. Osteoarthrosis / Arthritis / Gout / Rheumatism /

Spondylosis / Spondylitis / Intervertebral Disc Prolapse 9. Fissure / Fistula / Haemorrhoid 10. Sinusitis / Deviated Nasal Septum / Tympanoplasty / Chronic Suppurative Otitis

Media 11.Benign Prostatic Hypertrophy 12. Knee/Hip Joint replacement 13. Dilatation and Curettage 14. Varicose veins 15. Dysfunctional Uterine Bleeding / Fibroids /

Prolapse Uterus / Endometriosis 16. Chronic Renal Failure or end stage Renal Failure or Chronic liver failure.

Renewal Benefits

20% of Base Sum Insured each year of no claim up to a

maximum of 100%.

No Claim Bonus

# To and fro hospital Cab Fare on producing the app-based Cab Bill up to the limit specified. Not applicable for day care procedures

## Vaccination for Animal Bite (Post Bite Treatment) - OPD Benefit upto defined limit as part of overall limit

### Preventive Healthcare & Wellness Benefit to offer various health related articles to be sent to you on your email ids and Disease Management etc

^2nd Opinion for following critical illnesses are covered - 1. Cancer of Specified Severity 2. First Heart Attack of Specified Severity 3. Open Chest CABG 4. Open Heart

Replacement or Repair of Heart Valves 5. Coma of Specified Severity 6. Kidney Failure requiring Regular Dialysis 7. Stroke resulting in Permanent Symptoms 8. Major

Organ/Bone Marrow Transplant 9. Permanent paralysis of Limbs 10. Motor Neurone Disease with Permanent Symptoms 11. Multiple Sclerosis with Persisting Symptoms 12.

Angioplasty 13. Benign brain Tumor 14. Blindness 15. Deafness 16. End stage lung Failure 17. End stage liver failure 18. Loss of speech 19. Loss of limbs 20. Major head trauma

21. Primary (idiopathic) pulmonary hypertension 22. Third degree burns

$$ This benefit can be used four times in the policy lifetime across family members. This benefit cannot be carried forward next year. However, in case of a continuous

hospitalisation from current policy year to next policy year, the multiplier benefit SI can be used next year also.

$$$ Baseline cover has 36 months PED waiting period.

** Health & Wellness Plus optional cover will be in-built(mandatory) if you have opted for ABCD Benefit. In case Customer is suffering from any of the ABCD (Asthma, High BP,

High Cholesterol & Diabetes ([declared & accepted]) conditions at the time of inception of policy.

6% discount for 2 years policy 9% discount for 3 years policy

Discount on Multiyear policy Zone

Zone 1

Zone 2

Locations

Delhi (NCR), Mumbai including Suburbs, Chennai, Bengaluru, Hyderabad,

Kolkata, Pune, Gujarat

Rest of India

Zone 2 is priced at 20% discount against Zone 1

Royal Sundaram IRDAI Reg. No.102 | CIN: U67200TN2000PLC045611

Royal Sundaram General Insurance Co. Limited

Corporate Office: Vishranthi Melaram Towers,

No. 2 / 319, Rajiv Gandhi Salai (OMR), Karapakkam, Chennai - 600097.

Registered Office: 21, Patullos Road, Chennai - 600 002.

Call 1860 425 0000 | Visit www.royalsundaram.in

UIN: RSAHLIP23030V012223 PR22078/JUL22

Optional Benefits

Access to Health and Wellness App, Video Consultation, Virtual

Health Coach. (will be available for the 2 proposed persons only

who should be above the age of 18. This will be complimentary if

you have opted for the ABCD benefit.)

Health & Wellness Plus** 

 

 

 

 

 

 

 

 

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, 9877208272 Royal Sundaram Agent and Office in Padra

, 9877208272  Royal Sundaram Agent and Office in Palampur Punjab

, 9877208272 Royal Sundaram Agent and Office in Palani , 9877208272  Royal Sundaram Agent and Office in Palanpur

, 9877208272 Royal Sundaram Agent and Office in Palwal

, 9877208272 Royal Sundaram Agent and Office in Panaji

, 9877208272 Royal Sundaram Agent and Office in Panchkula

, 9877208272 Royal Sundaram Agent and Office in Panipat

, 9877208272 Royal Sundaram Agent and Office in Paradip

, 9877208272 Royal Sundaram Agent and Office in Parbhani

, 9877208272 Royal Sundaram Agent and Office in Patan

, 9877208272 Royal Sundaram Agent and Office in Pathankot

, 9877208272 Royal Sundaram Agent and Office in Patiala

, 9877208272 Royal Sundaram Agent and Office in Patna , 9877208272  Royal Sundaram Agent and Office in Patran

, 9877208272 Royal Sundaram Agent and Office in Patti

, 9877208272 Royal Sundaram Agent and Office in Payal Punjab

, 9877208272 Royal Sundaram Agent and Office in PCMC

, 9877208272 Royal Sundaram Agent and Office in Pehowa

, 9877208272 Royal Sundaram Agent and Office in Phagwara

, 9877208272 Royal Sundaram Agent and Office in Phase 1 Mohali , 9877208272  Royal Sundaram Agent and Office in Phase 10 Mohali

, 9877208272 Royal Sundaram Agent and Office in Phase 11 Mohali , 9877208272  Royal Sundaram Agent and Office in Phase 2 Mohali

, 9877208272 Royal Sundaram Agent and Office in Phase 3B2 Mohali , 9877208272Royal Sundaram Agent and Office in Phase 9 Mohali

, 9877208272 Royal Sundaram Agent and Office in Phillaur , 9877208272 Royal Sundaram Agent and Office in Pilani

, 9877208272 Royal Sundaram Agent and Office in Pilibhit

, 9877208272 Royal Sundaram Agent and Office in Pimple Gurav Pune

, 9877208272 Royal Sundaram Agent and Office in Pinjore

, 9877208272  Royal Sundaram Agent and Office in Pithampur

, 9877208272  Royal Sundaram Agent and Office in Pondicherry

, 9877208272 Royal Sundaram Agent and Office in POR

, 9877208272 Royal Sundaram Agent and Office in Porbandar , 9877208272  Royal Sundaram Agent and Office in Pune

, 9877208272 Royal Sundaram Agent and Office in Punjab

, 9877208272 Royal Sundaram Agent and Office in Puri

, 9877208272 Royal Sundaram Agent and Office in Qadian

, 9877208272 Royal Sundaram Agent and Office in Rae Bareli

, 9877208272 Royal Sundaram Agent and Office in Raigarh

, 9877208272 Royal Sundaram Agent and Office in Raikot , 9877208272  Royal Sundaram Agent and Office in Rajahmundry

, 9877208272  Royal Sundaram Agent and Office in Rajauri

, 9877208272  Royal Sundaram Agent and Office in Rajkot

, 9877208272 Royal Sundaram Agent and Office in Rajnandgaon , 9877208272  Royal Sundaram Agent and Office in Rajpipla

, 9877208272 Royal Sundaram Agent and Office in Rajpura , 9877208272  Royal Sundaram Agent and Office in Rajsamand

, 9877208272  Royal Sundaram Agent and Office in Ram Darbar

, 9877208272 Royal Sundaram Agent and Office in Rameshwaram

, 9877208272  Royal Sundaram Agent and Office in Ramnagar

, 9877208272  Royal Sundaram Agent and Office in Rampur

, 9877208272 Royal Sundaram Agent and Office in Rampura Phul

, 9877208272 Royal Sundaram Agent and Office in Ranchi

, 9877208272 Royal Sundaram Agent and Office in Ratia

, 9877208272 Royal Sundaram Agent and Office in Ratlam , 9877208272  Royal Sundaram Agent and Office in Ratnagiri

, 9877208272 Royal Sundaram Agent and Office in Renukoot

, 9877208272 Royal Sundaram Agent and Office in Rewa

, 9877208272 Royal Sundaram Agent and Office in Rewari

, 9877208272 Royal Sundaram Agent and Office in Rishikesh , 9877208272 Royal Sundaram Agent and Office in Rohtak

, 9877208272  Royal Sundaram Agent and Office in Roorkee

, 9877208272 Royal Sundaram Agent and Office in Ropar Punjab

, 9877208272 Royal Sundaram Agent and Office in Rudrapur

, 9877208272 Royal Sundaram Agent and Office in Rupnagar , 9877208272  Royal Sundaram Agent and Office in Safidon

, 9877208272 Royal Sundaram Agent and Office in Saharanpur

, 9877208272 Royal Sundaram Agent and Office in Salem

, 9877208272 Royal Sundaram Agent and Office in Samalkha

, 9877208272 Royal Sundaram Agent and Office in Samana

, 9877208272 Royal Sundaram Agent and Office in Samastipur , 9877208272 Royal Sundaram Agent and Office in Sambalpur

, 9877208272 Royal Sundaram Agent and Office in Sambhal , 9877208272  Royal Sundaram Agent and Office in Samrala Punjab

, 9877208272 Royal Sundaram Agent and Office in Sanand

, 9877208272 Royal Sundaram Agent and Office in Sangamner

, 9877208272 Royal Sundaram Agent and Office in Sangli

, 9877208272 Royal Sundaram Agent and Office in Sangrur

, 9877208272  Royal Sundaram Agent and Office in Sasvad

, 9877208272  Royal Sundaram Agent and Office in Satara

, 9877208272  Royal Sundaram Agent and Office in Satna

, 9877208272 Royal Sundaram Agent and Office in Sawai Madhopur

, 9877208272  Royal Sundaram Agent and Office in Sector 10 Panchkula

, 9877208272 Royal Sundaram Agent and Office in Sector 14 Chandigarh , 9877208272 Royal Sundaram Agent and Office in Sector 15 Chandigarh

, 9877208272 Royal Sundaram Agent and Office in Sector 16 Panchkula

, 9877208272  Royal Sundaram Agent and Office in Sector 20 Panchkula

, 9877208272 Royal Sundaram Agent and Office in Sector 21 Panchkula , 9877208272 Royal Sundaram Agent and Office in Sector 21 Panchkula

, 9877208272  Royal Sundaram Agent and Office in Sector 34 Chandigarh

, 9877208272 Royal Sundaram Agent and Office in Sector 35 Chandigarh , 9877208272 Royal Sundaram Agent and Office in Sector 44 Chandigarh

, 9877208272 Royal Sundaram Agent and Office in Sector 5 in in Panchkula , 9877208272 Royal Sundaram Agent and Office in Sector 6 Panchkula

, 9877208272 Royal Sundaram Agent and Office in Sector 8 Chandigarh , 9877208272  Royal Sundaram Agent and Office in Shahabad

, 9877208272 Royal Sundaram Agent and Office in Shahbad

, 9877208272 Royal Sundaram Agent and Office in Shahjahanpur

, 9877208272 Royal Sundaram Agent and Office in Shamli

, 9877208272  Royal Sundaram Agent and Office in Sheikhpura

, 9877208272 Royal Sundaram Agent and Office in Shillong

, 9877208272  Royal Sundaram Agent and Office in Shimla

, 9877208272 Royal Sundaram Agent and Office in Shirdi , 9877208272 Royal Sundaram Agent and Office in Shirur

, 9877208272  Royal Sundaram Agent and Office in Shivane Pune

, 9877208272 Royal Sundaram Agent and Office in Sidhpur

, 9877208272  Royal Sundaram Agent and Office in Sikandrabad

, 9877208272 Royal Sundaram Agent and Office in Silchar

, 9877208272 Royal Sundaram Agent and Office in Siliguri , 9877208272  Royal Sundaram Agent and Office in Silvassa

, 9877208272  Royal Sundaram Agent and Office in Sira

, 9877208272 Royal Sundaram Agent and Office in Sirhind

, 9877208272 Royal Sundaram Agent and Office in Sirhind Fatehgarh Sahib

, 9877208272 Royal Sundaram Agent and Office in Sirsa

, 9877208272 Royal Sundaram Agent and Office in Sitamarhi

, 9877208272 Royal Sundaram Agent and Office in Sitapur

, 9877208272 Royal Sundaram Agent and Office in Sivakasi

, 9877208272 Royal Sundaram Agent and Office in Siwan

, 9877208272 Royal Sundaram Agent and Office in Sohna

, 9877208272 Royal Sundaram Agent and Office in Solan

, 9877208272 Royal Sundaram Agent and Office in Solapur , 9877208272 Royal Sundaram Agent and Office in Sonipat

, 9877208272 Royal Sundaram Agent and Office in Sopore , 9877208272  Royal Sundaram Agent and Office in Sri Muktsar Sahib Punjab

, 9877208272 Royal Sundaram Agent and Office in Srinagar

, 9877208272  Royal Sundaram Agent and Office in Sultanpur Lodhi Punjab

, 9877208272 Royal Sundaram Agent and Office in Sunam

, 9877208272 Royal Sundaram Agent and Office in Sundarnagar

, 9877208272 Royal Sundaram Agent and Office in Sunny Enclave

, 9877208272 Royal Sundaram Agent and Office in Supaul , 9877208272 Royal Sundaram Agent and Office in Supaul

, 9877208272 Royal Sundaram Agent and Office in Surat

, 9877208272 Royal Sundaram Agent and Office in Suryapet

, 9877208272  Royal Sundaram Agent and Office in Talwandi Sabo Punjab

, 9877208272 Royal Sundaram Agent and Office in Talwara

, 9877208272 Royal Sundaram Agent and Office in Tanda

, 9877208272  Royal Sundaram Agent and Office in Tarn Taran

, 9877208272 Royal Sundaram Agent and Office in Tezpur

, 9877208272 Royal Sundaram Agent and Office in Thanesar

, 9877208272 Royal Sundaram Agent and Office in Thiruvallur

, 9877208272 Royal Sundaram Agent and Office in Thiruvananthapuram , 9877208272  Royal Sundaram Agent and Office in Thrissur

, 9877208272  Royal Sundaram Agent and Office in Tikamgarh

, 9877208272 Royal Sundaram Agent and Office in Tirupati

, 9877208272 Royal Sundaram Agent and Office in Tohana

, 9877208272 Royal Sundaram Agent and Office in Tonk , 9877208272  Royal Sundaram Agent and Office in Udaipur

, 9877208272  Royal Sundaram Agent and Office in Udhampur

, 9877208272 Royal Sundaram Agent and Office in Udupi

, 9877208272 Royal Sundaram Agent and Office in Ujjain

, 9877208272 Royal Sundaram Agent and Office in Umarga , 9877208272  Royal Sundaram Agent and Office in Umbergaon

, 9877208272  Royal Sundaram Agent and Office in Una , 9877208272  Royal Sundaram Agent and Office in Unnao

, 9877208272 Royal Sundaram Agent and Office in Vadodara

, 9877208272 Royal Sundaram Agent and Office in Valsad

, 9877208272  Royal Sundaram Agent and Office in Vapi

, 9877208272 Royal Sundaram Agent and Office in Varanasi , 9877208272  Royal Sundaram Agent and Office in Vellore

, 9877208272 Royal Sundaram Agent and Office in Vidisha

, 9877208272 Royal Sundaram Agent and Office in Vijainagar , 9877208272  Royal Sundaram Agent and Office in Vijayawada

, 9877208272 Royal Sundaram Agent and Office in Virar

, 9877208272  Royal Sundaram Agent and Office in Visakhapatnam

, 9877208272 Royal Sundaram Agent and Office in Vrindavan

, 9877208272  Royal Sundaram Agent and Office in Waghodia

, 9877208272  Royal Sundaram Agent and Office in Warangal

, 9877208272 Royal Sundaram Agent and Office in Wardha , 9877208272 Royal Sundaram Agent and Office in Washim

, 9877208272 Royal Sundaram Agent and Office in Yamunanagar

, 9877208272 Royal Sundaram Agent and Office in Yavatmal

, 9877208272 Royal Sundaram Agent and Office in Zira

, 9877208272  Royal Sundaram Agent and Office in Zira Punjab

, 9877208272 Royal Sundaram Agent and Office in Zirakpur