Royal Sundaram Multiplier Health Insurance Plan
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Royal Sundaram Health Insurance Royal Sundaram Health Insurance ★ 4.4

Royal Sundaram Multiplier Health Plan

Royal Sundaram Multiplier is true to its name and covers up to 4 times ...Read More

Up to 1.5 Cr
Sum insured
1
No. of plans
160+
Pan India presence
96.17%
Claim settlement ratio
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🛡️ IRDAI Approved
⭐ 4.4/5 · 2,703 reviews
🏥 10,000+ hospitals
📊 2.20 solvency ratio
✅ 96.17% claim settlement

Royal Sundaram Multiplier is true to its name and covers up to 4 times your insured sum. The plan offers health and wellness benefits like video consultations, virtual health coaches, and more.

Why Do We Recommend This?
  • Multiplies 4X of your sum insured
  • Daycare treatments covered
  • App-based ambulance cover

Plan at a glance

Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.

Entry age
18 to 65 Years
Plan type
Individual and Family Health Insurance
Sum insured options
₹5 L, ₹7 L, ₹10 L, ₹15 L, ₹20 L, ₹25 L
Waiting period
30 days
Renewability
Lifetime
Policy term
1,2,3 Years

*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.

Pros & cons

A quick honest summary — the strengths and the trade-offs.

Pros

  • No claim bonus
  • Modern Treatments
  • AYUSH Treatment

Cons

  • Illegal activities
  • alcoholism
  • obesity and weight management

What's covered

A quick look at what this plan covers — and what it doesn't.

Hospitalization

  • Room rent Covered
  • ICU charges Covered
  • Pre-hospitalization Covered
  • Post-hospitalization Covered
  • Domiciliary hospitalization Covered
  • Day-care treatment Covered
  • OPD charges Not covered
  • Covid-19 treatment Covered
  • Cataract Covered

Bonuses & restoration

  • No-claim bonus Covered
  • Automatic restoration of SI Covered
  • Daily hospital cash Not covered

Family & special care

  • Maternity cover Not covered
  • New-born baby cover Not covered
  • IVF treatment Not covered
  • AYUSH treatment Covered
  • Organ donor expenses Covered

Modern & preventive care

  • Modern treatment Covered
  • Road ambulance Covered
  • Air ambulance Covered
  • E-consultation Covered
  • Health check-up Covered
  • Second medical opinion Covered
  • Vaccination Covered

Conditions & global

  • Co-payment Covered
  • Sub-limits Not covered
  • Compassionate travel Not covered
  • Global coverage Not covered

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • Min Entry Age: 18 Years
  • Max Entry Age: 65 Years
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 25 L

Frequently Asked Questions

The 5 most-asked questions about Royal Sundaram Multiplier Health Plan, answered.

The plan offers a varied range of sum insured options to insured individuals to opt from ranging between 5 to 25 Lakhs.
The eligibility criteria for the plan is mentioned below: Minimum: 18 Years Children: 90 Days to 25 Years Maximum: 65 Years
Yes, premiums paid towards the Multiplier Health Plan are eligible for tax benefits under Income Tax Act.
The additional covers available under the Royal Sundaram Multiplier Health Plan are health and wellness plan benefit, and ABCD Cover (Asthma, Blood Pressure, Cholestrol, and Diabetes).
No, maternity and newborn baby cover are not available under the plan.

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Written and reviewed by

PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.

Written by Naval Goel — Founder & CEO, PolicyX.com Reviewed by Manoj Kumar — IRDAI-certified Health Insurance Specialist
Last updated: 1 Jun 2026 · Originally published: 17 Oct 2024

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