Requirement of Medical Documents

Sum Insured limit

Age band

Tests

Upto
Rs.5 lakhs
Sum Insured

Age 56-65

Blood Sugar Test (fasting & PP), ECG print out with report, Routine Urine Analysis

Rs.7.5 lakhs &

Rs.10 lakhs
Sum Insured

Age 51-65

HBA1C (Blood Sugar report), Urine Analyis report , ECG printout with report, Lipid
Profile, Hemoglobin, Serum Creatinine and Liver Function Test. Medical
Examination Report by doctor ( in prescribed format)

Royal Sundaram shall bear 50% of the cost of the relevant medical examination,in the event of the risk being accepted.

Freelook / Refund Details

This plan, at inception, has a free look period of 15 days from the date of receipt of policy. On review of the policy terms and conditions, If
you are not satisfied with this plan, then you can cancel your plan within this 15 days free-look period. You shall be eligible for a refund of
premium, after deducting applicable risk premium, less the cost of medical examination incurred by the Company and stamp duty charges,
where applicable, provided your intimation of cancellation reach us within the free look period.
In case you cancel your coverage after the freelook period, refund of premium shall be as per the short period rates mentioned in the Policy.

Renewal Disclosures
Premium will be charged based on the premium table and is subject to a maximum increase of 25%. Any further increase is subject to
IRDA's approval.
Any change in terms of cover during renewal shall be subject to IRDA's approval and a notice of 90 days before expiry of the policy shall
be given.
The sum insured can be enhanced at the time of renewal up to a maximum of 100% of the expiring sum insured if there are no claims
lodged / paid during all years of insurance and the age of the insured person is under 45 years. Such increased sum insured shall however
not be applicable for treatment of diseases contracted prior to such increase and also in respect of any pre-existing diseases at the time of
enrolment under this policy. However the quantum of increase shall be at the discretion of the company.
Children completing 21 years of age at the time of renewal, will be moved to the adult category and the renewal premium will be charged
as per the revised family plan. For example, 2 adults + 2 children plan will be converted to 3 adults + 1 child plan, when 1 of the children
complete the age of 21 at the time of renewal.
If a claim has been settled for any of the covered family members in the expiring policy, the earned cumulative bonus, if any, will be
reduced by 1 slab in the renewal policy.
There will be a 30 day grace period available to you from the expiry date to renew your policy. However there will be no coverage during
the period of break in insurance.
This product can be ported to another company before the renewal date. In case you wish to port, to ensure continuous coverage of the
policy with out any break in insurance, please get in touch with the other insurance company 45 days before the renewal date to initiate
the necessary porting formalities there.

Disclaimer
Insurance is the subject matter of solicitation. Family Good Health policy is issued by Royal Sundaram Alliance Insurance Company Limited. Claims will be settled by Royal Sundaram Alliance Insurance Company
Limited as per the terms and conditions of the policy. This brochure is not a contract of Insurance. Please refer policy document for exact terms and conditions and specific details applicable to this Insurance. This
plan is underwritten by Royal Sundaram Alliance Insurance Company Limited. Your participation in this insurance product is purely on a voluntary basis. We advise you to take your own professional advice before
you participate. The Family Health Protector product of Royal Sundaram is approved by IRDA.
Amsure is the licensed Corporate Agent of Royal Sundaram Alliance Insurance Co.Ltd, vide IRDA license number 2129452
Section 41 of the Insurance Act, 1938 - Prohibition of rebates
1) No person shall allow or offer to allow either directly or indirectly as an inducement to any person to take out or renew or continue an insurance in respect of any kind of risk relating to lives or property in India
any rebate of the whole or part of the commission payable or any rebate of the premium shown on the policy nor shall any person taking out or renewing or continuing the policy accept any rebate except such
rebate as may be allowed in accordance with the published prospectus or tables of the insurer.
2) If any person fails to comply with regulation above he shall be liable to payment of fine, which may extend to five hundred rupees.

TOTAL HEALTH SECURITY FOR YOU & YOUR FAMILY

Option to cover maximum

family members in a single policy.
(Up to 4 adults + 4 children in one policy)

High Sum Insured options available.

(`5 lakhs, `7.5 lakhs & `10 lakhs per policy)

ong
Life L al
w
Rene
laims
No C g
in
Load

Coverage Starts from Day One

Cashless Hassle Free Treatment
Covers Day Care Expenses
Pre and Post Hospitalisation
Expenses
Convalescence Benefit
Ambulance Charge Reimbursement
Hospital Cash Benefit
Health Check-up Reimbursement
Cumulative Bonus
Tax Benefit
Affordable Premium

Insurance is the subject matter of solicitation

PR130290/OCT13

Key Features & Benefits

One Policy - One Premium for the entire family:
The floater health plan covers your family under one policy
with one sum insured and one premium. This takes care of
hospitalisation expenses in case of a sudden illness and
accident for the entire family. You can choose a cover of Rs.2
Lakhs, Rs.3 Lakhs, Rs.4 Lakhs, Rs.5 lakhs, Rs.7.5 lakhs or
Rs.10 lakhs. Family Includes - Self, Spouse, Dependent
Parents and Dependent children upto the age of 21 years of
age.
Minimum and Maximum age of Entry:
Adults - 18 years to 65 years. For Dependent children 91 days
to 21 years.
Life Long Renewal
This product offers you renewal for life long.
Cashless Hassle Free Facilities:
These facilities are available at over 3000 network hospitals
across India, Ensuring complete peace of mind.
Hospital Cash Benefit:
For all admissible claims, apart from the medical expenses,
a daily cash benefit of Rs.500 for each 24 hours of hospitalisation will be paid. This benefit will be available for a
maximum period of 20 days for any one insured person and
a maximum of 60 days for all insured persons in a policy
period. This cash benefit is aimed towards out of pocket
expenses over and above hospitalisation expenses.
Convalescence Benefit:
For all admissible claims, if the hospitalisation exceeds 21
consecutive days a lump sum of Rs.10,000 will be paid as
convalescence benefit.
Pre and Post-Hospitalisation Expenses:
Covers all relevant medical expenses incurred 30 days prior
to and 60 days after hospitalisation.
Income Tax Benefit:
Income tax exemption under Section 80D of Income tax
Act.
Tenure - One year
Cover from day 1
No Health check up requirement for persons up to 50 years
of age for Sum Insured Rs.7.5 & Rs,10 lakhs and upto 55
years of age for Sum Insured upto Rs.5 lakhs.

Additional features:

Cumulative Bonus: Sum Insured increases by 5% for

every claim free policy year subject to maximum of 50%
Day Care expenses also covered for treatments like
Dialysis, Chemotherapy, Radiotherapy, Eye surgery,
Cataract, Lithotripsy (Kidney stone removal), Tonsillectomy, D & C , Cardiac Catheterization, Hydrocele
surgery, Hernia Repair surgery and such other surgeries
that require hospitalization less than 24 hours.
Ambulance charges reimbursement subject to Rs.1000/per person per claim
Health Check up reimbursement subject to a maximum
of Rs.750/- per person, after each 4 consecutive claim
free years.
Coverage for pre-existing diseases after 4 consecutive
years of Insurance.

Hospitalization Expenses:
Room, Boarding Expenses as charged by the Hospital
/Nursing Home, subject to a limit of 2% of the Sum
Insured per day and for Intensive care unit 4% of the Sum
Insured per day.

Nursing Expenses
Surgeon, Anesthetist, Medical Practitioner, Consultants
and Specialist Fee
Anaesthesia, Blood, Oxygen, Operation Theatre charges,
Medicines and Drugs, Diagnostic Materials and X-ray,
Dialysis, Chemotherapy, Radiotherapy, Cost of
Pacemaker, Artificial Limbs, Cost of Organs
The Claim amount payable towards treatment of
Cataract is limited to 10% of Sum Insured per person
during the period of Insurance.

Exclusions
Any pre existing condition(s) as defined in the policy,
until 48 months of continuous coverage have elapsed,
since inception of the first Family Health Protector
Insurance with us.
(a)First Year Exclusions:
Treatment of 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/Polyps,
any type of Breast Lumps for all Insured Persons for one
year from the Commencement Date of the cover with
Us under this Family Health Protector policy. These
exclusions will not be applicable if caused directly due
to an accident during period of insurance.
(b) Two Year Exclusions:
Treatment of Spondylosis/Spondilitis - any type, Inter
vertebral Disc Prolapse and such other Degenerative
Disorders. Cataract, Benign Prostatic Hypertrophy,
Hysterectomy, Fistula, Fissure in Anus, Piles, Hernia,
Hydrocele, Sinusitis, Knee/Hip Joint replacement,
Chronic Renal Failure or end stage Renal Failure, Heart
diseases, any type of Carcinoma/Sarcoma/Blood
Cancer, Osteoarthritis of any joint for all Insured
Persons for two years from the Commencement Date of
the cover with Us under this Family Health Protector
policy. These exclusions will not be applicable if caused
directly due to an accident during period of insurance.
However if these diseases, which fall under the first year
and the first 2 year exclusions, are Pre Existing as
defined, at the time of proposal then they will be
considered as falling under Exclusion 1.
Treatment arising from or traceable to pregnancy/
childbirth
Circumcision unless necessary for treatment of a
disease, not excluded hereunder or necessitated due to
an accident.
The cost of spectacles, contact lenses and hearing aids.
Dental treatment or surgery of any kind unless requiring
Hospitalisation.
Convalescence, general debility, 'Run-down' condition
or rest cure, Congenital External Disease or defects or
anomalies, Tubectomy, Vasectomy, Venereal disease,
intentional self injury or attempted suicide.
All expenses arising out of any condition directly or
indirectly caused by or associated with Human T-Cell
Lymphotropic Virus Type III (HTLB III) or Lymphadenopathy Associated Virus (LAV) or the Mutants
Derivative or variations Deficiency Syndrome or any
Syndrome or condition of a similar kind commonly
referred to as AIDS.
The list of exclusions is not exhaustive and for complete
details, please refer to the policy terms and conditions.

Premium Table (`)

Age Band

1A

1A
+
1C

1A
+
2C

1A
+
3C

1A
+
4C

2A

2A
+
1C

2A
+
2C

2A
+
3C

2A
+
4C

3A

3A
+
1C

3A
+
2C

3A
+
3C

3A
+
4C

4A

4A
+
1C

4A
+
2C

4A
+
3C

4A
+
4C

Sum Insured-2,00,000
Upto 35 yrs

3297

4052

4729

5407

6082

4361

4984

5545

6105

6665

6133

6756

7317

7876

8436

7633

8256

8817

9376

9937

Upto 45 Yrs

3937

4709

5436

6164

6892

5209

5847

6448

7049

7652

7323

7961

8562

9164

9765

9114

9752

10353

10955

11556

Upto 55 Yrs

7127

8493

9860

11227

7582

8734

9864

10993

12124

10664

11816

12945

14075

15206

13270 14421

15552 16682

17811

Upto 60 Yrs

9128

10844

12557

14273

9802

11220

12638

14056

15475 13788

15206

16624

18042

19461

17157 18575

19994 21412

22830

Upto 70 Yrs*

11403

13118

14833

16548

12814

14232

15650

17069

18487 18019

19438

20856

22274

23692

22424 23843

25261

26679

28097

Sum Insured-3,00,000
Upto 35 yrs

4507

5420

6244

7069

7892

5960

6715

7397

8079

8761

8380

9135

9817

10499

11181

10427 11182

11864

12546

13228

Upto 45 Yrs

5078

7243

9279

11314

13348

6718

8507

10189

11870

13551

9445

11234

12916

14597

16278

11754 13543

15225 16906

18587

Upto 55 Yrs

9885

12007

14129

16252

10214

12001

13756

15510

17264 14364

16152

17906

19661

21415

17874 19663

21417

23172

24926

Upto 60 Yrs

12190

14355

16519

18684

13262

15051

16841

18629

20419

18646

20436

22225

24015

25805

23207 24997

26786 28575

30364

Upto 70 Yrs*

17356

19810

22263

24716

19709

21737

23764

25791

27819

27719

29747

31774

33801

35829

34495 36523

38550

40577

42605

Sum Insured 4,00,000

Upto 35 yrs

5257

6244

7135

8026

8917

6954

7770

8506

9242

9978

9780

10594

11330

12067

12803

12169 12984

13720

14457

15193

Upto 45 Yrs

6360

7375

8329

9283

10237

8412

9252

10592

10830

11619

11830

12670

13458

14248

15037

14723 15562

16351

17139

17929

Upto 55 Yrs

11229

12718

14207

15696

12844

14098

15329

16560

17790 18061

19316

20546

21778

23007

22475 23730

24961

26192

27423

Upto 60 Yrs

15367

18105

20842

23579

16705

18967

21229

23492

25756 23491

25754

28017

30279

32542

29234 31496

33759 36021

38284

Upto 70 Yrs*

21900

25001

28102

31202

24862

27425

29989

32552

35115

37525

40089

42651

45216

43509 46072

48636 51199

53763

10738

11852

12965

11098

12117

13037

13957

14878 15607

16626

17546

18466

19387

19423 20442

21362

22282

23201

14241

15434

16626

15575

16625

17610

18596

19581

21905

22954

23939

24925

25910

27257 28307

29291

30278

31263

34962

Sum Insured 5,00,000

Upto 35 yrs

8391

Upto 45 Yrs

11776 13046

9625

Upto 55 Yrs

19856

21717

23576

25435

23753

25323

26861

28398

29936 33402

34972

36509

38047

39586

41566 43135

44672 46211

47749

Upto 60 Yrs

26771

30191

33611

37032

30883

33711

36538

39366

42193

43428

46256

49083

51911

54740

54046 56873

59701

62529

65356

Upto 70 Yrs*

34533

38409

42286

46163

40543

43747

46951

50155

53359 57014

60217

63422

66625

69829

70951 74154

77359 80562

83767

13246

14916

16587

15562

17411

19082

20752

22421

21882

23732

25401

27071

28742

27230 29080

30750

32419

34090
45597

Sum Insured 7,50,000

Upto 35 yrs

11576

Upto 45 Yrs

15591

17380

19171

20961

21898

23802

25592

27383

29174

30792

32697

34488

36278

38069

38320 40225

42015

43806

Upto 55 Yrs

23762

26554

29345

32138

33466

36313

39104

41895

44686 47063

49908

52699

55490

58282

58568 61413

64204

66995

69787

Upto 60 Yrs

32353

37483

42615

47745

43555

48684

53815

58944

64073 61251

66380

71509

76639

81768

76222 81351

86481

91610

96740

Upto 70 Yrs*

41581

47397

53211

59027

57225

63040

68855

74670

80486 80473

86288

92104

97918

103734 100144 105960 111776 117590 123406

Sum Insured 10,00,000

Upto 35 yrs

12456

14683

16911

19138

15984

18451

20680

22908

25137

22478

24945

27173

29402

31630

27973 30441

32669 34898

37126

Upto 45 Yrs

16605

18992

21379

23766

22506

25045

27433

29820

32207

31648

34187

36575

38962

41350

39386 41926

44311

46699

49087

Upto 55 Yrs

25299

29021

32743

36464

34408

38204

41926

45648

49371

48388

52182

55905

59627

63350

60216 64010

67733 71454

75178

Upto 60 Yrs

34836

41678

48520

55362

44789

51631

58473

65315

72158

62983

69825

76668

83509

90352

78381 85224

92066

105750

Upto 70 Yrs*

44536

52290

60045

67800

58851

66606

74362

82117

89873 82759

90514

98270

106025 113781

98908

102990 110745 118502 126257 134013

A - Adult, C - Children
The premium is inclusive of 12.36% Service Tax. Service Tax charges subject to change with notification of Government and will have an impending effect on premium.
*Available only upto 65 years for New business. Age bracket between 66 to 70 years is available only for renewals
For age bracket of 71 and above, rates as approved by IRDA will be charged.