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.
Claims settled
Hospital networks
Customers served
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.
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.
Step 1
Choose the Individuals that require policy and an appropriate sum insured amount
Step 2
Select your preffered policy period and Add-on and customize your policy
Step 3
Pay online and get your policy right away in your inbox.
Experience its exceptional benefits
Self
Purchased a multiplier plan with a coverage amount of ₹5 lakhs
2023
If no claim reported for next 5 years
Cover amount of ₹5 lakhs x 11 times
Available sum insure in year of 2028
Self
Maximized coverage with exceptional benefits of ₹55 lakhs
2028
*Post 5 claim free years
Trustworthy insurance partner for over two decades
Comprehensive & affordable plan with 4X sum insured
Key Features
Trustworthy Insurance Partner for Over Two Decades
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
Find your nearest tie-up hospitals
Find your nearest tie-up hospitals
covers pre and post-hospitalization costs, including mobility devices, day-care, and at-home treatments, ensuring your financial security throughout your medical journey.
Covers ambulance services and hospital-to-hospital transit expenses, including OLA, Uber, and other transportation services, giving you peace of mind during emergencies.
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.
The Multiplier Health Insurance plan stands out with unlimited coverage for Modern Treatments, no more sub-limit worries - just focus on your well-being.
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.
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..
Hassle-free treatment at network hospitals without upfront payments, with insurance company settling medical bills directly.
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.
Hospital will intimate us
In case of cashless hospitalization, the hospital will let us know and we will process the claim.
Bill settlement
When you are discharged, we will directly settle the bill with the hospital.
Submit your medical bills for reimbursement after paying upfront. The insurer reviews and reimburses covered expenses based on policy terms.
Notify us
within 24 hours of emergency hospitalization and 72 hours prior to elective hospitalization.
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.
Initiate reimbursement
We will verify the claim and reimburse the insured person for their expenses.
Take a look at the tax benefit you can get by investing in health insurance.
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.
Check out our popular affiliated cashless hospitals with state of the art healthcare facilities and trained medical professionals.
Medi Assist Insurance TPA
Paramount health service
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.
We Prioritize service and satisfaction and always try to give our best for all our customers.
3.7/5
4.4/5
FAQs on Multiplier Insurance Policy
When you have a health insurance policy, there are essential steps to comprehend for managing emergency medical expenses:
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:
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 RSAHLIP20177V0119201. 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.
Sum insured : ₹ 5 Lakhs
Your safety multiplied, 11X Sum insured
* if no claims are reported for 5 consecutive years.