• Royal Sundaram Smart Cash Health Insurance Plan

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    Cashless Treatment

    Customer Service

    Medical Coverage

    Claim Experience

    Responsiveness

    The Smart Cash Plan offered by Royal Sundaram is a health insurance plan, designed specially to cover your expenses incurred in medical treatment. This is a daily cash benefit plan that includes your expenses incurred in food, transportation and patient's attendance and many such out of pocket expenses. The policyholder can include children, spouse, parents, dependents and self under this plan. Any individual who has complemented 91 days can be enrolled under this plan. The Royal Sundaram Smart Cash Plan has 3 variants which include - Smart Cash Sliver, Smart Cash Gold and Smart Cash Platinum. The plan comes with a host of attractive feature and benefits. Even, you can get your family members’ flight tickets reimbursed when they visit India out of emergency.

    Key features & Benefits of Royal Sundaram Smart Cash Plan:

    Entry Age
    • Minimum entry age: 91 days for an insured person ad 18 years for a proposer.
    • Maximum entry age: 70 years for Gold and Platinum variant. No maximum age is applicable for the Silver variant.
    Exit age Not applicable.
    Basis Individual. It is a daily cash benefit plan.
    Renewability The policy offers lifelong renewability.
    Special Features The plan comes with the following features:
    • Minimal documentation.
    • Flexible policy tenures such as 1, 2 and 3 years.
    • Instant policy issuance.
    • The plan is accepted worldwide.
    • 24/7 customers service
    • Hassle free claim settlement process.
    • Hospitalization is a must to make claims under this plan.
    Medical test Required provided you are 60 years old or above.
    Premium Silver- Rs. 500 (Minimum) Rs. 3000 (Maximum) Gold – Rs. 3000(Minimum) Rs.5,000 (Maximum) Sliver – Rs.5,000 (Minimum) Rs. 10,000 (Maximum) These rates are subject to change from time to time.
    Sum assured Rs. 10 lakhs for Smart Cash Sliver. Rs. 15 lakhs for Smart Cash Gold Rs. 25 lakhs for Smart Cash Platinum.
    Policy coverage The Smart Cash Plan provides cover for:
    • Hospitalization cost
    • ICU charges
    • Critical illnesses ( 7 critical illnesses)
    • Joint hospitalization.
    • Cost incurred in Childbirth and maternity.
    • Personal accident.
    • Travel expense.
    • Food expense.
    Benefits The policy comes with the following benefits: Smart Cash Benefits
    • Planned or emergency admission into a hospital.
    • Hospitalization exceeding 5 days due to accident.
    • Medical treatments covered under the policy.
    • Joint hospitalization caused due to accident.
    Other key benefits:
    • Hospital Cash Benefit: It provides coverage for 180 days, including the treatments taken abroad. This benefit is applicable for all the three variants - Silver, Gold and Platinum.
    • Hospitalization Benefit (Accident): Get double of your daily benefit in case of hospitalization caused due to accident when hospitalized for more than 5 days.
    • Convalescence Benefit: Get paid Rs. 10,000 for being hospitalized for more than 15 days.
    • Joint Hospitalization benefits: It provides double of your daily benefit provided two or more persons issued persons are hospitalized covered under the same plan for a period of 5 days.
    • Child birth benefit: This benefit is not applicable for the Sliver category. A lump sum amount of Rs. 20,000 would be provided to both Gold and Platinum category.
    • Critical Illness benefits: Get cover for 7 critical illness listed under the plan. However the amount of coverage varies among Silver, Gold and Platinum.
    • Pre-existing disease: This is available for Gold and Platinum Smart Cash Plan holders. Not applicable for Silver policyholders.
    • Health checkup reimbursement: You can get your health checkups cost reimbursed, provided you have chosen Gold or Platinum plan.
    • Intensive care benefits: Intensive care benefit is applicable for Platinum plan holders.
    • Tax benefits: Enjoy tax benefits on the premiums paid for your Smart Cash Plan as per section 80D of the Indian Income Tax Act, 1961.
    • The Smart Cash plan also provides cover for parental accommodation benefits based on the plan you choose.
    • You can also get your family's members flight tickets reimbursed when it is an emergency visit. You can claim up to Rs. 1 lakh per person. This facility is applicable for Platinum Smart Cash holder.
    • You can also enjoy personal accident benefit by paying additional benefit. This is an optional benefit offered by the plan.
    Free-look period 15 days.
    Discount/Bonus The health insurance policy provides a discount of 10% on your total premium paid, provided you have insured 3 or more family members under the same plan. On purchasing the policy for 2 years you can avail a discount of 10% and 12.5% when you purchase it for 3 years.
    Grace period 30 days.
    Exclusions The policy excludes the following conditions:
    • The major exclusions under the plan include - diseases contracted in the first 30 days of the policy.
    • Disease occurring in the first year of the policy which include- Prostatic Hypertrophy, Hysterectomy for Menorrhagia, Congenital Internal Anomaly, Cataract, Hernia, Hydrocele, Fistula in anus, Piles, Sinusitis, Knee or Hip replacement.
    • It also does not include - Convalescence, general debility, general disease, intentional self-injury or attempted suicide.
    • Hospitalization for evaluation and / or diagnostic purposes.
    • Obesity treatment and weight reducing activities.
    • Treatment of psychosomatic and psychiatric disorders, mental illness, insanity etc.

    ***Please read the policy brochure and understand the terms and conditions before purchasing it. The above mentioned information is indicative only.

    Other Health Insurance Plans from Royal Sundaram:

    GST rate of 18% applicable for all financial services effective July 1, 2017.

    Disclaimer: Premiums may vary depending upon factors like age, location and prevailing taxes/GST.

    Royal Sundaram Smart Cash Plan Reviews

  • Page 1 of 8 1 2 3 4 5
    • Royal Sundaram Health Insurance
      "Good Service"
      0.5 3.0/5 "Satisfactory"
      I've a health insurance policy with the Royal Sundaram. I am paying the premium for myself . I pay a premium of 2500 per years. I do not have any claim experience with the policy and th premium amount gets auto debited from my account.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 21, 2018
    • Royal Sundaram Health Insurance
      "Good Service"
      0.5 3.5/5 "Pretty good"
      I've been using the health insurance policy from Royal Sundaram for a while. I am paying the premium of 8000, many of my friends recommended Royal Sundaram. I never had any claim experience with the policy. Overall it has been a smooth experience. I'll have to wait and see how they respond to my requirement in future.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 16, 2018
    • Royal Sundaram Health Insurance
      "Good policy to use"
      0.5 5.0/5 "Blown Away!"
      I got the health insurance policy from the ROYAL SUNDARAM GENERAL INSURANCE company and i have got it around 5 years. This policy covers 4members in my family and it has the medical coverage amount of Rs,3,00,000 . I pay the premium amount of Rs,8,000 to renew the policy every year.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 13, 2018
    • Royal Sundaram Health Insurance
      "Good Service"
      0.5 2.0/5 "Expected more"
      I've a health insurance policy with the Royal Sundaram. I pay a premium of 3700. I do not have any claim experience with the policy after 5 months usage. Their services are good and they offered me an annual coverage of 3 lakhs with the policy. As of now I did not experience anything negative.
      Was this review helpful? 0
      , kolkata
      Reviewed on Jun 05, 2018
    • Royal Sundaram Health Insurance
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I've been using the Royal Sundaram Health Insurance for the past 4 months. I pay a premium of 9000 Per year, No claims 4 months,it is Convenient to make payments as the premium gets Auto debited from account. The policy offers full protection for me and they offer 40 lacs coverage annually.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 05, 2018
    • Royal Sundaram Health Insurance
      "Good Use for Health Insurance"
      0.5 5.0/5 "Blown Away!"
      I can Claim upto Rs. 3 lakhs. Cashless transaction is available. I took this policy for my family. I can utilize this policy for medical emergency. Tax benefitable policy. This covers the pre-existing disease also. Total I'm paying Rs. 295 every month.
      Was this review helpful? 0
      , new delhi
      Reviewed on May 29, 2018
    • Royal Sundaram Health Insurance
      "Good Policy"
      0.5 3.0/5 "Satisfactory"
      I have taken a health insurance policy with Royal Sundaram along with SBI credit card, i pay a premium of Rs 240 every month for this insurance policy. I have not claimed anything so far from this insurance and i am happy with the coverage value of Rs 3 lakhs for this policy.
      Was this review helpful? 0
      , secunderabad
      Reviewed on May 22, 2018
    • Royal Sundaram Health Insurance
      "Good service"
      0.5 4.0/5 "Great!"
      Using the ROYAL SUNDARAM GENERAL INSURANCE health insurance policy for the past 4 months . The customer support service and the response is average with the Royal sundram policy . This policy covers 4members in my family . This policy has the medical coverage amount of Rs,5,00,000 and I am satisfied with the service.
      Was this review helpful? 0
      , chennai
      Reviewed on May 22, 2018
    • Royal Sundaram Health Insurance
      "Good Service"
      0.5 3.0/5 "Satisfactory"
      I've been using the Rroyal Sundaram Health insurance before many years. When I Changed place the renewal notice wasn't received hence I change to a different provider. I don't have any claim experience with the policy. I never faced any other issues with their services.
      Was this review helpful? 0
      , chennai
      Reviewed on May 17, 2018
    • Royal Sundaram Health Insurance
      "Not satisfied"
      0.5 1.0/5 "Really Bad"
      Got my Health insurance policy form royal sundaram general insurance as they said they were tied up with sbi . After making payment for health insurance from sbi till now not received the health insurance card and documents . For medical claim am not able to do so As i have contacted their customer care but still there is no response from them.
      Was this review helpful? 0
      , new delhi
      Reviewed on May 13, 2018
    • Royal Sundaram Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my health insured with Royal Sundaram from last 1 year, i am not aware of the premium amount as my company pays it. I have a coverage value of Rs 2.5 lakhs and i am satisfied with it. I have not claimed anything so far from this insurance policy.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on May 08, 2018
    • Royal Sundaram Health Insurance
      "Good Policy"
      0.5 3.0/5 "Satisfactory"
      I have a health insurance policy with Royal sundaram from last 1 month, the coverage value of this insurance policy is 3 lakhs. I am not aware of the premium amount as my company pays it. I do not have claim experience so far with this insurance policy.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 26, 2018
    • Royal Sundaram Health Insurance
      "Best policy"
      0.5 5.0/5 "Blown Away!"
      I have a health insurance with Royal Sundaram from last 1 year and it is a good insurance policy to use. I am not aware of the premium amount as my company pays it. I do not have claim experience so far with this health insurance. I have a coverage value of Rs 1 lakh which is satisfactory.
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 02, 2018
    • Royal Sundaram Health Insurance
      "Good policy to use"
      0.5 4.0/5 "Great!"
      Recently I have got the health insurance policy from the ROYAL SUNDARAM GENERAL INSURANCE company. I have paid Rs,2500 to get this policy and it has the tenure of one year. The customer support service is good with the ROYAL SUNDARAM GENERAL INSURANCE. This policy covers 20 members in my family.
      Was this review helpful? 0
      , chennai
      Reviewed on Mar 14, 2018
    • Royal Sundaram Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have a health insurance with Royal Sundaram from last 2 years and it is one of the good insurance policy to use. This policy has to be renewed every year and i pay a premium of Rs 13000 for this insurance. I do not have claim experience so far with this insurance and i have a coverage of Rs 5 lakhs for this insurance.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 12, 2018
    • Royal Sundaram Health Insurance
      "Best service"
      0.5 5.0/5 "Blown Away!"
      I have taken Health insurance with Royal sundaram,the premium amount is 3000 per month.The policy coverage amount is four lakhs.The policy is for one year.I have no claim experience with them.I get 100% cashless treatment.The policy is taken three months ago.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 06, 2018
    • Royal Sundaram Health Insurance
      "Good Coverage"
      0.5 4.0/5 "Great!"
      I recently took a SBI credit card and along with it I got the additional optional option of taking this Insurance. I like the Insurance and decided to take 2 schemes from them. I have been paying Rs.6000 as an annual premium and the total coverage that I would be getting is Rs.6 Lakhs (i.e. 2 Rs.3 Lakhs coverages) for 4 people. I haven't received details about my second Insurance yet.
      Was this review helpful? 0
      , new delhi
      Reviewed on Feb 22, 2018
    • Royal Sundaram Health Insurance
      "Best insurance policy"
      0.5 5.0/5 "Blown Away!"
      I have taken Health Insurance with Royal sundaram.The premium amount is is 2500,the policy coverage is five lakhs,24 hours hospitalization. for any kind of claims.The payments is done online.I have no claim experience and cashless treatment is covered 95%.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 20, 2018
    • Royal Sundaram Health Insurance
      "Average service"
      0.5 1.0/5 "Really Bad"
      I have taken Royal Sundaram Health Insurance policy,i purchased two months ago,the premium amount is is 6000 paid per annum,I dint receive the kit as yet.The policy coverage is three lakhs and they would cover 100% cashless treatment.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 16, 2018
    • Royal Sundaram Health Insurance
      "Health insurance with ROYAL SUNDARAM"
      0.5 3.0/5 "Satisfactory"
      From ROYAL SUNDARAM GENERAL INSURANCE i have taken a health insurance policy and the premium amount is 7000. This policy covers my whole family. They provide cashless treatment facility.I make my payment through cheque. The customer service is good.
      Was this review helpful? 0
      , mumbai
      Reviewed on Feb 13, 2018
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