Multiplier Health Insurance Plan - 11X Coverage
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What is Multiplier Health Insurance plan?

The Multiplier health insurance plan by Royal Sundaram is a one-of-a-kind health insurance plan. It covers up to 11 times the sum insured during emergency health conditions. The product offers a large sum insured in the event of any life-threatening disease that is unforeseen.

Key Features of Multiplier Health Insurance Plan

4X Multiplier

Get ready for something special – our 'Multiplier Health Insurance Plan' not only gives you up to 4 times your Sum Insured but also throws in a no-claim bonus for emergency health needs.

ABCD (Asthma, BP, Cholesterol, Diabetes)

Customers with the listed ABCD conditions, accepted by us post-underwriting, will be covered starting from the 31st day onwards. *Coverage applies for inpatient treatment only.

Flexi reload benefit

Get a free refill if the Sum Insured and No Claim Bonus (NCB) are exhausted during the policy year. This applies to the same illness and the same insured person.

Hospital Plus (Optional)

Covers the cost of consumables and mobility devices (e.g., crutches, wheelchair, prosthetics) for accident-related disabilities.

11X Multiplier

Unlock the 11X benefits of Royal Sundaram’s Multiplier Health Insurance Plan! Your sum insured can increase up to 11 times the base amount with a claim-free record.

Non ABCD, PED conditions

Declared and accepted Pre-Existing Diseases (PEDs) other than ABCD will be covered from the 2nd and 3rd year onwards with a 50% copay, up to a maximum amount of 2 Lakhs.

Health & Wellness Plus (optional)

Gain access to a free health app, video/teleconsultations, virtual health coaching, and discounts on diagnostics, mobility devices, medical devices, and OPD consultations through specified networks. This benefit is complimentary for customers who have opted for the ABCD benefit.

Royal Pro-Tip 1 : Rising medical costs
In a world where a Band-Aid can cost as much as a coffee, health insurance isn't just a choice, it's a shield against skyrocketing medical expenses.

3 simple steps to get Multiplier health Insurance plan

3 simple steps to get multiplier health insurance plan
one

Step 1

Choose the members and the Sum Insured

Choose the Individuals that require policy and an appropriate sum insured amount

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Step 2

Select tenure & add-ons

Select your preffered policy period and Add-on and customize your policy

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Step 3

Make payment and sit back

Pay online and get your policy right away in your inbox.

Multiply your coverage with the extraordinary power of 11 times the sum insured

Experience its exceptional benefits

twoheads

Self

Purchased a multiplier plan with a coverage amount of ₹5 lakhs

2023

If no claim reported for next 5 years

11 X

Cover amount of ₹5 lakhs x 11 times

Available sum insure in year of 2028

twoheads

Self

Maximized coverage with exceptional benefits of ₹55 lakhs

2028

Here’s the calculation to determine the total sum Insured you will receive through the 11X Multiplier benefit.

  • Sum Insured
  • ₹5 Lakhs
  • ₹7.5 Lakhs
  • ₹10 Lakhs
  • ₹15 Lakhs
  • ₹20 Lakhs
  • ₹25 Lakhs
  • No. of times base Sum Insured
  • 11X
  • Sum Insured x 11 times
  • Sum Insured after 11x
  • ₹55 Lakhs
  • ₹82.5 Lakhs
  • ₹110 Lakhs
  • ₹165 Lakhs
  • ₹220 Lakhs
  • ₹275 Lakhs

*Post 5 claim free years

Explore our plans Multiplier Health Insurance plan

Trustworthy insurance partner for over two decades

Multiplier Health Insurance Plan

Comprehensive & affordable plan with 4X sum insured

Key Features

  • greenGet 11X coverage for 5 claim free years
  • greenGet 4X coverage in life threatening conditions
  • greenAsthma, BP, Cholesterol, Diabetes covered post 30 days
  • greenFlexi reload benefit
  • greenYou'll have access to 4 free teleconsultations per quarter.

Premium starts at

₹3,400 /year
View brochure

Multiplier Health Insurance plan detailed feature description

Trustworthy Insurance Partner for Over Two Decades

Key features
Details

  • Sum insured is the maximum amount an insurance policy will pay for a covered loss.

    5/7.5/10/15/20/25 Lacs

  • Regular screenings to detect issues early, promoting overall well-being

    Annual

  • Limit on daily expenses for hospital room in health insurance.

    No Room Rent Capping

  • insurance provision for ambulance services during emergencies.

    Up to Rs.5,000

  • Coverage in health insurance for expenses related to organ transplantation, including medical procedures and donor costs.

    Covered upto SI

  • Medical treatment received while admitted to a hospital

    Covered up to SI

  • Caps on coverage for certain illnesses or conditions in health insurance.

    No Disease specific Sublimits

  • Medical treatments or surgeries that require less than 24 hours of hospitalization

    Covered up to SI

  • Health insurance coverage for alternative and traditional forms of medicine, such as Ayurveda,

    Covered upto SI

  • Health insurance coverage for necessary vaccinations and medical treatment following an animal bite to prevent infections and complications.

    Upto Rs.5,000

  • Health insurance provision for transporting a patient from one medical facility to another as recommended by their doctor,

    Covered upto Rs.1lakh

  • Health insurance coverage for emergency hospitalization and medical treatment while traveling abroad, excluding the United States and Canada

    Not Covered

  • Health insurance coverage that allows for medical treatment outside of your home country

    Not Covered

  • Health insurance provision for covering outpatient dental expenses

    Not Available

  • Coverage in health insurance that includes medical expenses incurred both before and after a hospital stay.

    60/180 days, Covered upto SI

  • The age at which an individual is eligible to purchase or enroll in an insurance policy,

    91days to 65

  • A reward or discount offered by insurance providers to policyholders who do not file any claims during a specified policy period.

    20% of Base SI upto a max of 100% of SI. NCB Does Not decrease in case of claim

  • A feature that allows for the replenishment or restoration of the sum insured amount after it has been fully exhausted during the policy year.

    Available upto 100% of Base Sum Insured even for same illness for same insured person.

  • Incase of Life Threatening conditions , Insured can utilize 4 times their Base sum insured adn no claim bonus

    This Benifit can be availed for a maximum of 4 times in the Lifetime of the policy

  • Health insurance programs and benefits designed to promote and maintain overall health and well-being

    Available

  • An insurance feature that provides policyholders with the option to seek a second medical opinion from a qualified specialist when diagnosed with one of the specified critical illnesses covered by the policy.

    Available once during policy year for 22 specified critical illness

  • Provides coverage for the medical expenses related to childbirth for a maximum of two pregnancies.

    Not Covered

  • Vaccination for newborns in the first year is crucial for disease prevention.

    Not Covered

  • A health insurance feature that reinstates the original coverage amount once it's fully utilized in a policy year,

    Available as in-built

  • health insurance feature offering coverage for treatment of the disclosed pre-existing disease.

    Available from 2 year upto 50% of claim amount max 2L

  • A medical procedure performed to assist with weight loss in individuals with severe obesity.

    Not Available

  • Covered

  • Inbuilt cover

  • Health insurance coverage that extends international medical treatment

    Not Available

  • Not Available

  • INo Zone based Co-pay

  • A specific period after the start date of an insurance policy during which certain benefits, such as coverage for pre-existing conditions or specific treatments, may not be available.

    30 Days

  • A predefined waiting period within an insurance policy during which coverage is not provided for certain specific conditions, treatments, or services.

    24 Months

  • A waiting period in health insurance policies that specifically applies to pre-existing diseases (PED). During this waiting period, coverage for treatment related to pre-existing conditions is not available.

    36 Months

  • Covert your base plan as top up plan

    Not Available

  • This cover helps with out-of-pocket expenses like travel and food for attenders during the hospital stay.

    Not Available

  • Available

    Enjoy benefits like APP based cab coverage (Ola, Uber, etc.)

  • If a 5% Co-payment is chosen, the insurer will pay 95% of the eligible claim amount, and the customer will receive a 5% premium discount

    Available

  • An additional feature in health insurance that covers the cost of consumable medical items used during hospitalization, such as gloves,

    Upto 50K/Hospitalization

  • This cover provide personalized guidance on diet, nutrition, and exercise, along with free video consultations with doctors.

    Available for 2A

10,000+ Cashless hospitals across India

Find your nearest tie-up hospitals

Find your nearest tie-up hospitals

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What is included and excluded Royal Sundaram's Multiplier Health Insurance Plan?

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Comprehensive medical expense Coverage

covers pre and post-hospitalization costs, including mobility devices, day-care, and at-home treatments, ensuring your financial security throughout your medical journey.

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Transportation and emergency charges

Covers ambulance services and hospital-to-hospital transit expenses, including OLA, Uber, and other transportation services, giving you peace of mind during emergencies.

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Diverse treatment coverage

Covers a wide range of treatments, including Ayush and Modern treatments, vaccinations for animal bites, preventive check-ups, and organ donor expenses, ensuring comprehensive protection.

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No sub-limits for modern treatments

The Multiplier Health Insurance plan stands out with unlimited coverage for Modern Treatments, no more sub-limit worries - just focus on your well-being.

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Additional health and wellness benefits

Enhance your well-being with additional covers such as Health and Wellness Plus. This feature offers reward-based covers through a wellness app, prioritizing your overall health.

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ABCD Coverage

Customers with conditions like Asthma, Blood Pressure, Cholesterol, and Diabetes (ABCD) get special coverage, starting from the 31st day upon underwriting acceptance for timely support..

A Step-by-Step Guide to file a health insurance claim

Cashless hospitalization

Hassle-free treatment at network hospitals without upfront payments, with insurance company settling medical bills directly.

1

Initiate the claim process

Insured files claim with TPA in the Hospital within 24 hours of emergency hospitalization and 72 hours prior to elective hospitalization.

2

Hospital will intimate us

In case of cashless hospitalization, the hospital will let us know and we will process the claim.

3

Bill settlement

When you are discharged, we will directly settle the bill with the hospital.

Reimbursement

Submit your medical bills for reimbursement after paying upfront. The insurer reviews and reimburses covered expenses based on policy terms.

1

Notify us

within 24 hours of emergency hospitalization and 72 hours prior to elective hospitalization.

2

Send your medical bill to TPA

On discharge from the hospital, the insured person must send, all medical treatment invoices and reports to Royal Sundaram.

3

Initiate reimbursement

We will verify the claim and reimburse the insured person for their expenses.

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How much deduction you can avail under section 80D

Take a look at the tax benefit you can get by investing in health insurance.

Policy for?

Deduction for self & family

Deduction for parents

Preventive health check-up

Maximum deduction

Self & Family

(below 60 years)

₹25,000

-

₹5,000

₹25,000

Self & Family + Parents

(all of them below 60 years)

₹25,000

₹50,000

₹5,000

₹50,000

Self & Family (below 60 years)

+ Parents (above 60 years)

₹25,000

₹50,000

₹5,000

₹75,000

Self & Family + Parents

(above 60 years)

₹50,000

₹50,000

₹5,000

₹1,00,000

What factors influence insurance premiums and how are they calculated ?

The premium in insurance refers to the amount of money paid by the policyholder to the insurance company in exchange for coverage and its influenced by insured members age, city, lifestyle, BMI, Occupation type, etc

Have more questions about your multiplier Insurance ? Learn more about how multiplier insurance works.

How is it calculated

Insurance plan

Insurance plan determines premium and coverage. Higher sum insured and number of insured individuals affect premium.

Pre-existing medical conditions

Pre-existing medical conditions may increase premium and have a waiting period for claims.

Lifestyle

Lifestyle impacts health insurance premium - higher for smokers due to increased health risks.

Age

Age impacts health insurance premium - lower for youth, higher with age. Purchase early for better coverage and potential bonuses.

Location

Location affects premium cost - discounts available in select cities.

Benefits of buying Multiplier health insurance plan online

Our step by step procedure helps you to purchase lifeline plan ease

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Save time

Purchase, renew, and file claims effortlessly through Royal Sundaram's online platform, saving you valuable time and effort.

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Secured

Avail your Royal Sundaram health plan securely online, using safe and reliable online payment transactions.

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Transparency

You can easily access and review policy details, coverage options, and terms and conditions, ensuring a clear understanding of what you're buying.

Cashless hospitalisation by Royal Sundaram's health insurance

Check out our popular affiliated cashless hospitals with state of the art healthcare facilities and trained medical professionals.

Medi Assist Insurance TPA

External
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Paramount health service

External
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How to cancel a multiplier health Insurance Plan

How to cancel a multiplier health insurance plan ?

It is very easy to cancel the policy by giving 15 days' written notice. In such an event the insurer will refund the premium on short-term rates for the unexpired policy term. If there is any case of misrepresentative or non-disclosure of material facts then the company can cancel the policy at any time. There would be no refund of premium on cancellation on these grounds.

Trusted by 2 crore + happy customers

We Prioritize service and satisfaction and always try to give our best for all our customers.

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VM SUNDARAM

I wanted to take a moment to say thank you for your excellent and quick service. I really appreciate the help you provided, and I'm happy with the work you did for me. It was a tough task for me, but your staff's support made it easier.I've been a member of your insurance company for four years, and I'm glad I chose ROYAL SUNDARAM insurance. Even on the weekend, the claim process went smoothly, and I'm grateful for how your employees communicated with me and approved my request within just one day.Your company's commitment is truly remarkable, and I want to thank you again for your support.

I wanted to take a moment to say thank you for your excellent and quick service. I really appreciate the help you provided, and I'm happy with the work you did for me. It was a tough task for me, but your staff's support made it easier.I've been a member of your insurance company for four years, and I'm glad I chose ROYAL SUNDARAM insurance. Even on the weekend, the claim process went smoothly, and I'm grateful for how your employees communicated with me and approved my request within just one day.Your company's commitment is truly remarkable, and I want to thank you again for your support.

rating

3.7/5

rating

4.4/5

More questions on multiplier health Insurance we have answers

FAQs on Multiplier Insurance Policy

When you have a health insurance policy, there are essential steps to comprehend for managing emergency medical expenses:

  1. Annual Premiums: You pay yearly premiums as per your chosen health plan, maintaining your coverage.
  2. Medical Treatment: If you or other policyholders need medical treatment, contact either Royal Sundaram or the TPA office at the hospital.

Any Indian resident aged 18 and above is eligible. Age limits for coverage vary; generally, it's 18 to 65 years. Coverage for newborns can be added to family plans after 90 days. Senior citizen plans typically start at 60 years.

Yes, you can purchase multiple Health Insurances based on your medical needs.

Different plans suit different individuals:

  • Individual Health Insurance
  • Family Floater Health Insurance
  • Senior Citizen Health Insurance
  • Critical Illness Insurance
  • Maternity Health Insurance

Along with annual payments, Royal Sundaram allow monthly, quarterly, or semi-annual payments.

Buying early brings benefits like lower premiums, higher covers, and bonus advantages. Also, it helps manage personal and medical loans.

Multiplier health insurance plan terms and conditions:

We request you to carefully read and understand the terms and conditions, before you buy the multiplier health insurance plan. All claims are processed strictly according to it. Please speak or chat with our customer support team, if you need any clarification.

Multiplier Policy wording

Product BrochurePolicy DocumentsUIN RSAHLIP20177V011920
Terms and Conditions

1. Consent for Communication:

By submitting my contact number and email ID, I authorize Royal Sundaram to call, send SMS, messages over internet-based messaging applications like WhatsApp, and email to offer me information and services for the product(s) I have opted for as well as other products/services offered by Royal Sundaram General Insurance Limited

2. Premium Payment:

I declare that the premium paid under this transaction to Royal Sundaram General Insurance Limited is being paid by me as the proposer/policyholder through a bank account or a Credit/Debit Card or a Prepaid Payment Instrument or a UPI wallet (Wallet), held by me in my name as a primary holder (referred to as "source account"). I confirm that it is not a third-party payment made by any other person on my behalf. I understand that in the event of policy cancellation, the refund of premium as per policy terms and conditions may be credited back to such source account, and such electronic transfer will constitute full and final discharge of the Company's obligation.

3. Authorization and Sharing of Information:

We authorize the Company to share information pertaining to my proposal, including medical records, for the sole purpose of proposal underwriting and/or claims settlement with any Governmental and/or Regulatory authority. Further, I agree that I shall not lodge any complaint to TRAI of any alleged unsolicited by Royal Sundaram to me, as part of their policy/claims servicing.

4. Information Sharing:

I hereby permit/authorize Royal Sundaram General Insurance Company Limited to collect, store, communicate, and process information relating to the policy(ies) and all transactions related therewith, including the sharing and disclosing the public authorities of any confidential information as required by law.

Select Sum Insured

Sum insured : 5 Lakhs

Your safety multiplied, 11X Sum insured

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* if no claims are reported for 5 consecutive years.
When is your current policy expiring?