Royal Sundaram - Master Product – Total Health Plus

Purchase mode: Online

Options available: Individual and Family

Recommendation about Mediclaim:

Premium: Premium charge is high for Individual level and average in case of family floater

Product Features:



Entry age

91 days to 65 years


Lifelong Renewal

Policy tenure


Pre existing illness cover

3 years Waiting Period for Pre Existing Diseases.

Cashless Facility

To network Hospital

Sum Insured

Rs 1 lac to 5 lacs

Family Combination

Individual and Family floater

Hospitalization cover

Pre- hospitalization 30 days and post hospitalization 60 days.

Pre & post hospitalization medical expenses


Domiciliary treatment

Not Covered

Sub limits

No Sub Limit


What does this policy cover

  • Pre-hospitalization Expenses covered for 30 days prior to date of admission in a hospital.
  • In-patient hospitalization while being admitted into a hospital for a minimum period of 24 hours.
  • Post-hospitalization Expenses incurred within a period of 60 days after date of discharge.
  • Day Care Procedures that requires less than 24 hours of hospitalization.
  • Get Accident coverage from the day the policy is commenced.
  • Pre-existing disease covered after 36 months.


1. First Year Exclusion: 

Congenital Internal Diseases, Any type of Migraine /Vascular head ache, Stones in the Urinary and Biliary systems, Surgery on Tonsils / Adenoids, Gastric and Duodenal Ulcer,  Any type of Cyst/Nodules/Polpys/Benign Tumours/ Breast Lumps

2. First Two Year Exclusion:

Spondylosis/Spondilitis, Any type, Inter vertebral Disc Prolapse and such other Degenerative Disorders Cataract, Benign Prostatic Hypertrophy, Hysterectomy, Salphingo – Oophorectomy, Fistula, Fissure in Anus, Piles, Hernia, Hydrocele, Sinusitis and Deviated Nasal Septum, Heart ailments Chronic Renal Failure or end stage Renal Failure Any type of cancer including but not limited to Carcinoma / Sarcoma Blood Cancer, Diabetes and its related complications both direct and indirect, Hypertension and its related complications both direct and indirect, Organ Transplant Retinal detachment surgery with or without vitrectomy

3. First Three Year Exclusion:
Osteoarthritis of any joint, Treatment of Joint replacement Surgery by any cause other than accident Chornic Obstructive Pulmonary Disease (C.O.P.D) Operations for age related macular degeneration (ARMD) or chroidal neo vascular membrane (CNVM)

Special features of the policy   

  • Indexation Benefit
  • Accident Hospitalisation Benefit
  • Maternity Benefit
  • Hospital Cash Benefit
  • Outpatient Treatment Charges

Illustration showing premium:

No. of Members (Individual)

Age Group

Premium Sum Insured Rs.3 lacs

1  Adult


Rs. 6136

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