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

About Royal Sundaram Multiplier Health Plan

A quick read on what this Royal Sundaram Health Insurance plan covers and why it might be a fit for you.

Royal Sundaram Multiplier Health Insurance is a unique plan that covers up to 11 times the sum insured in case of emergency health complications. The health insurance plan offers a financial safety net by providing high-sum insured options for unforeseen life-threatening diseases.

The key features of the Multiplier Health Insurance Plan by Royal Sundaram include:

  • 4X Multiplier Benefit
  • 11X Multiplier Benefit
  • ABCD Benefits (Asthma, BP, Cholesterol, Diabetes)
  • Flexi Reload Benefit
  • Hospital Plus Benefit
  • Health & Wellness Benefits, and more

Royal Sundaram Multiplier Benefit requires insured individuals to fulfill the eligibility criteria of a minimum and maximum entry age of 18 to 65 years, respectively.

Dependent children can be covered from 90 days to 25 years. The plan offers lifetime renewability to insured individuals.

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

Every CMS-driven coverage flag from the plan wording — only items with a published value render below.

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

Royal Sundaram Multiplier Health Insurance Benefits

With the Royal Sundaram Multiplier Health Insurance, customers can avail of a multitude of features that aid in the medical care of the insured individuals:

  • Flexi Reload Benefit

    With the Flexi Reload Benefit, insured individuals are offered a reload of the sum insured up to 100% of the base sum insured, once in a policy year. However, the Flexi Reload Benefit shall not apply to the first claim in the policy year. The Flexi Reload Benefit will be available on a floater basis if the family floater variant of the plan is opted for.

  • 4X Multiplier Benefit

    Under the 4X Multiplier Benefit, in case of a life-threatening condition, an additional amount equivalent to 4 times the sum insured and no claim bonus will be available for the insured individual. The benefit will be available only 4 times in the lifetime of the policy/person. The benefit, however, will only be available once the base sum insured and no-claim bonus is exhausted.

  • Second Medical Opinion for 22 CI

    The Royal Sundaram Multiplier Health Plan offers a second medical opinion for 22 listed critical illnesses in case the insured individual has been diagnosed with any of the listed CIs. The second medical opinion will be directly sent to the insured individual.

  • Preventive Healthcare, Wellness, and Disease Management

    Preventive health care and wellness programs are offered to insured individuals wherein they are entitled to disease management services for specified health risks such as heart, kidney, liver, cancer, hypertension, diabetes, and more. Regular health check-ups, advice on nutrition, and exercise regimes are all a part of the plan.

  • App-Based Cab Cover

    Along with ambulance charges, the plan covers app-based cab service incurred towards the transportation of an insured person at the time of getting admitted to the hospital.

Inclusions & exclusions

What the plan pays for, and what it doesn't.

Exclusions

  • Permanent diseases or health conditions that are not included under the Royal Sundaram Multiplier Health Plan are:
  • Hospitalization due to war, riot, strike, and nuclear weapons
  • Intentional self-injury
  • AIDS
  • Miscarriage and abortion
  • Congenital disease
  • Infertility and in vitro fertilization
  • Certain diseases and treatments are covered under this plan after a specific period. Read the details below:
  • Listed ailments after 24 months
  • Pre-existing diseases after 36 months
  • Royal Sundaram Multiplier Health Plan is a unique health insurance plan with a plethora of features and benefits. With optional health and wellness benefits, video consultation or teleconsultation, and a virtual health coach, the plan covers insured individuals offering the best medical care.

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

Other features & benefits

  • Flexi Reload Benefit
  • Health and Wellness Benefit
  • Ambulance Cover

Royal Sundaram Multiplier Health Plan: FAQs

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: 28 Sep 2023 · Originally published: 17 Oct 2024

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