Requirement of Medical Documents

Sum Insured limit

Upto Rs.5 lakhs Sum Insured Rs.7.5 lakhs & Rs.10 lakhs Sum Insured

Age band
Age 56-65

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

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.

TOTAL HEALTH SECURITY FOR YOU & YOUR FAMILY

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.

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

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.

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.

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.

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 Upto 45 Yrs Upto 55 Yrs Upto 60 Yrs Upto 70 Yrs* 3297 3937 4052 4709 7127 9128 11403 4729 5436 8493 10844 13118 5407 6164 9860 12557 14833 6082 6892 11227 14273 16548 4361 5209 7582 9802 12814 4984 5847 8734 11220 14232 5545 6448 9864 12638 15650 6105 7049 10993 14056 17069 6665 7652 12124 6133 7323 10664 6756 7961 11816 15206 19438 7317 8562 12945 16624 20856 7876 9164 14075 18042 22274 8436 9765 15206 19461 23692 7633 9114 8256 9752 8817 10353 9376 10955 9937 11556 17811 22830 28097

13270 14421 17157 18575 22424 23843

15552 16682 19994 21412 25261 26679

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.

15475 13788 18487 18019

Sum Insured-3,00,000
Upto 35 yrs Upto 45 Yrs Upto 55 Yrs Upto 60 Yrs Upto 70 Yrs* 4507 5078 5420 7243 9885 12190 17356 6244 9279 12007 14355 19810 7069 11314 14129 16519 22263 7892 13348 16252 18684 24716 5960 6718 10214 13262 19709 6715 8507 12001 15051 21737 7397 10189 13756 16841 23764 8079 11870 15510 18629 25791 8761 13551 8380 9445 9135 11234 16152 20436 29747 9817 12916 17906 22225 31774 10499 14597 19661 24015 33801 11181 16278 21415 25805 35829 10427 11182 11754 13543 17874 19663 23207 24997 34495 36523 11864 12546 13228 18587 24926 30364 42605

15225 16906 21417 23172

17264 14364 20419 27819 18646 27719

26786 28575 38550 40577

Sum Insured 4,00,000

Upto 35 yrs Upto 45 Yrs Upto 55 Yrs Upto 60 Yrs Upto 70 Yrs* 5257 6360 6244 7375 11229 15367 21900 7135 8329 12718 18105 25001 8026 9283 14207 20842 28102 8917 10237 15696 23579 31202 6954 8412 12844 16705 24862 7770 9252 14098 18967 27425 8506 10592 15329 21229 29989 9242 10830 16560 23492 32552 9978 11619 9780 11830 10594 12670 19316 25754 37525 11330 13458 20546 28017 40089 12067 14248 21778 30279 42651 12803 15037 23007 32542 45216 12169 12984 14723 15562 22475 23730 29234 31496 43509 46072 13720 16351 24961 14457 17139 26192 15193 17929 27423 38284 53763

17790 18061 25756 23491 35115 34962

33759 36021 48636 51199

Sum Insured 5,00,000

Upto 35 yrs Upto 45 Yrs Upto 55 Yrs Upto 60 Yrs Upto 70 Yrs* 8391 9625 10738 14241 21717 30191 38409 11852 15434 23576 33611 42286 12965 16626 25435 37032 46163 11098 15575 23753 30883 40543 12117 16625 25323 33711 43747 13037 17610 26861 36538 46951 13957 18596 28398 39366 50155 14878 15607 19581 21905 16626 22954 34972 46256 60217 17546 23939 36509 49083 63422 18466 24925 38047 51911 66625 19387 25910 39586 54740 69829 19423 20442 27257 28307 41566 43135 54046 56873 70951 74154 21362 29291 22282 30278 23201 31263 47749 65356 83767

11776 13046 19856 26771 34533

29936 33402 42193 43428

44672 46211 59701 62529

53359 57014

77359 80562

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.

Sum Insured 7,50,000

Upto 35 yrs Upto 45 Yrs Upto 55 Yrs Upto 60 Yrs Upto 70 Yrs* 11576 15591 23762 32353 41581 13246 17380 26554 37483 47397 14916 19171 29345 42615 53211 16587 20961 32138 47745 59027 15562 21898 33466 43555 57225 17411 23802 36313 48684 63040 19082 25592 39104 53815 68855 20752 27383 41895 58944 74670 22421 29174 21882 30792 23732 32697 49908 66380 86288 25401 34488 52699 71509 92104 27071 36278 55490 76639 97918 28742 38069 58282 81768 27230 29080 38320 40225 58568 61413 76222 81351 30750 42015 64204 86481 32419 43806 66995 91610 34090 45597 69787 96740

44686 47063 64073 61251 80486 80473

103734 100144 105960 111776 117590 123406

Sum Insured 10,00,000

Upto 35 yrs Upto 45 Yrs Upto 55 Yrs Upto 60 Yrs Upto 70 Yrs* 12456 16605 25299 34836 44536 14683 18992 29021 41678 52290 16911 21379 32743 48520 60045 19138 23766 36464 55362 67800 15984 22506 34408 44789 58851 18451 25045 38204 51631 66606 20680 27433 41926 58473 74362 22908 29820 45648 65315 82117 25137 32207 49371 72158 22478 31648 48388 62983 24945 34187 52182 69825 90514 27173 36575 55905 76668 98270 29402 38962 59627 83509 31630 41350 63350 90352 27973 30441 39386 41926 60216 64010 78381 85224 32669 34898 44311 46699 37126 49087 75178 105750

67733 71454 92066 98908

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.

89873 82759

106025 113781

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.