Important Policy Exclusions*

Pre-Existing conditions at the time of applying for insurance. However these shall be covered after 48 months of continuous insurance under this policy. 2. 30 Days Waiting Period: Any disease contracted by the Insured Person during the first 30 days from the Commencement Date of the cover a. First Year Exclusions: 3. 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 under this policy. If these are Pre-Existing at the time of the Proposal they shall be treated as Pre existing Disease. b. Two Year Exclusions: Treatment of Spondylosis / Spondilitis, any type of 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. If these are Pre-Existing Diseases at the time of the Proposal they shall be treated as a Pre -Existing Disease. If these are caused due to accidents during policy period the exclusion will not be applicable. 4. Treatment arising from or traceable to pregnancy/ childbirth 5. Circumcision unless necessary for treatment of a disease, not excluded hereunder or necessitated due to an accident. 6. The cost of spectacles, contact lenses and hearing aids. 7. Dental treatment or surgery of any kind unless requiring hospitalisation. 8. All expenses arising out of any condition directly or indirectly caused by or associated with AIDS. 9. Any routine or preventative examinations, vaccinations, inoculation or screening. 10. Any cosmetic, plastic surgery, aesthetic or related treatment of any description, including any complication arising from these treatments, whether or not for psychological reasons, unless medically necessary as a result of an accident. 11. Diseases due to alcohol abuse, drug abuse and tobacco abuse and its complications.
*Above lists of exclusions are illustrative only and are not exhaustive. For a detailed list refer to the policy wordings which will be made available on request.

1.

2. 3. 4.

5. 6. 7.

8.

Original Discharge card / summary Duly stamped hospital bill, with expenses clearly mentioned under different heads. Original reports, bills and note of advice by the doctor for relevant pathological Investigations, X - Ray, USG, CT Scan, etc. Medical bills with prescription, supporting the treatment. Surgeon's certificate stating the nature of operation performed and Surgeon's original bill & receipt. Attending doctor's / Consultant's / Specialists /Anaesthetist's original bill and receipt, and certificate regarding diagnosis, as applicable. Any other documents if required.

ABOUT ROYAL SUNDARAM

Royal Sundaram is the first private non-life Insurance company licensed to operate in India. A joint-venture between Sundaram Finance and the RSA Insurance Plc, UK. Royal Sundaram, draws on the global expertise and best practices of the RSA Group and the local understanding of Sundaram Finance. This expertise and experience helps Royal Sundaram in offering its customers best-in- class service and insurance solutions.

Family Good Health

Insure your familys health, ensure happiness.

Claim Procedure
You can use this policy to claim your hospitalisation (subject to exclusions and conditions) expenses through: Cashless Hospitalisation You will get Health Card for you ? and your family members to get access to the cashless facility from the network hospitals. This means you can avail hospitalization from any network hospital of our list after showing the health card and obtaining approval from the TPA (Third Party Administrator) and get treated without payment.

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. Family Good Health policy are approved product of IRDA. Renewal Disclosures Premium will be charged based on the age band in the premium table and is subject to a maximum increase of 45% . Any further increase is subject to IRDA's approval. In case of a claim during the tenure of the expiring policy then the renewal premium will be loaded as per the policy terms and conditions. Any change in the terms of cover during renewal shall be subject to IRDA's approval & a notice of 90 days before expiry of the policy shall be given. The sum insured can be enhanced at the time of renewal upto amaximum 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 i n c r e a s e and also in respect of any pre-existing diseases at the time of e n r o l m e n t u n d e r t h i s policy. However the quantum of increase shall be at the discretion of the company.

Please Contact:

or

Royal Sundaram Alliance Insurance Company Limited

Corporate Office : Sundaram Towers, 45 & 46, Whites Road, Chennai - 600 014. Registered Office : 21, Patullos Road, Chennai - 600 002. Write: customer.services@royalsundaram.in Visit: www.royalsundaram.in

Documents to be submitted at the time of claim

1. Duly filled claim form by insured and by the treating doctor.

PT477/JAN11

Health emergencies come unannounced and disturb your financial planning. You must have taken life insurance for your life emergencies, but what about health? Royal Sundaram invites you to enroll you and your family under a quality Health Insurance plan. Family Good Health simplifies health insurance a great deal and makes it more convenient and easy to buy. Family Good Health is a comprehensive health insurance for you and your loved ones (Spouse, dependent children and dependent parents). The members enrolled under this plan should be between 91 days to 65 years. Dependent Children should be between 91 days to 21 years. However renewal is accepted upto 21 years for dependent children and upto 70 years for others. This Plan covers the expenses incurred towards inpatient hospitalisation for a period more than 24hrs, for the illness / diseases contracted or injury sustained by the insured person during the period of Insurance.

cheaper ? and convenient for the whole family. Even a single adult can be covered under this plan.
? Health Check up - You can get reimbursed upto Master
Age Band
Up to 35 Yrs 36-45 Yrs 46-55 Yrs

One Year 4,00,000

1 Adult 3,721 4,502 6,873 8,939 13,305 13,305 2 Adult 5,954 7,204 10,997 14,303 21,288 21,288 2 Adult 1 Child 6,653 7,923 12,071 16,240 23,483 23,483 2 Adult 2 Child 7,284 8,598 13,125 18,177 25,678 25,678 2 Adult 3 Child 7,915 9,273 14,179 20,114 27,873 27,873

(`)

Two Years 4,00,000

2 Adult 1 Child 12,640 15,054 22,936 30,857 44,617 44,617 2 Adult 2 Child 13,839 16,337 24,938 34,538 48,787 48,787 2 Adult 3 Child 15,038 17,620 26,940 38,219 52,957 52,957

(`)

Rs.750/- per insured person towards cost of master health check up after every four consecutive claim free years of policy.

1 Adult 1 Child 4,420 5,221 7,947 10,876 15,500 15,500

Age Band
Up to 35 Yrs 36-45 Yrs 46-55 Yrs 56-60 Yrs 61-65 Yrs 66-70 Yrs*

1 Adult 7,070 8,553 13,059 16,986 25,279 25,279

2 Adult 11,313 13,688 20,895 27,176 40,447 40,447

1 Adult 1 Child 8,397 9,919 15,100 20,667 29,449 29,449

Additional Special Benefits

? 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 cash benefit is aimed towards out of pocket expenses over and above hospitalisation expenses.
? Convalescence Benefit For all admissible claims, if the

56-60 Yrs 61-65 Yrs 66-70 Yrs*

One Year 5,00,000

Age Band
Up to 35 Yrs 36-45 Yrs 1 Adult 5,939 8,335 12,711 16,527 21,697 21,697 2 Adult 9,503 13,337 20,338 26,444 34,714 34,714 2 Adult 1 Child 10,376 14,235 21,681 28,865 37,458 37,458 2 Adult 2 Child 11,164 15,079 22,998 31,286 40,202 40,202 2 Adult 3 Child 11,952 15,923 24,315 33,707 42,946 42,946

(`)

Two Years 5,00,000

2 Adult 1 Child 19,713 27,048 41,194 54,841 71,171 71,171 2 Adult 2 Child 21,211 28,652 43,696 59,440 76,385 76,385 2 Adult 3 Child 22,709 30,256 46,198 64,039 81,599 81,599

(`)

hospitalization exceeds 21 consecutive days a lump sum of Rs.10,000 per Insured Person will paid as convalescence benefit subject to a limit of Rs.20,000/- for all Insured Persons during the policy period.

1 Adult 1 Child 6,812 9,233 14,054 18,948 24,441 24,441

Age Band
Up to 35 Yrs 36-45 Yrs 46-55 Yrs 56-60 Yrs 61-65 Yrs 66-70 Yrs*

1 Adult 11,284 15,836 24,150 31,400 41,224 41,224

2 Adult 18,055 25,340 38,642 50,242 65,957 65,957

1 Adult 1 Child 12,942 17,544 26,702 35,999 46,438 46,438

Key Features
The Key Features of the plan are as under: ? insured covering all family members. One sum ? No medical examination required for enrolment for persons upto completed age of 50 years. ? Cashless hospitalisation through more than 3000 network hospitals across India. ? pre-hospitalisation and 60 days post-hospitalisation 30 days expenses. ? Cumulative Bonus - Sum insured under the policy shall be progressively increased by 5% for every claim free year of insurance, subject to a maximum of 50%. ? Coverage for pre-existing diseases after 48 months of continuous insurance under this policy.
? Save Tax: Income tax benefits on premium paid under section

Premium Grid#
Adults can be self (proposer), spouse, dependent mother, dependent father. Child should be aged between 91 days and 21 years and should be financially dependent upon the proposer. Premium for the family will be based on number of members covered under the policy and the age of the eldest member of the family as per the grid below.
One Year 2,00,000
Age Band
Up to 35 Yrs 36-45 Yrs 46-55 Yrs 56-60 Yrs 61-65 Yrs 66-70 Yrs* 1 Adult 2,333 2,787 4,058 5,247 6,857 6,857 2 Adult 3,734 4,460 6,492 8,394 10,971 10,971 2 Adult 1 Child 4,269 5,006 7,478 9,608 12,185 12,185 2 Adult 2 Child 4,748 5,521 8,445 10,822 13,399 13,399 2 Adult 3 Child 5,227 6,036 9,412 12,036 14,613 14,613 1 Adult 1 Child 2,868 3,333 5,044 6,461 8,071 8,071 (`)

46-55 Yrs 56-60 Yrs 61-65 Yrs 66-70 Yrs*

Premium Grid for Two Years

Two Years 2,00,000
Age Band
Up to 35 Yrs 36-45 Yrs 46-55 Yrs 56-60 Yrs 61-65 Yrs 66-70 Yrs* 1 Adult 4,434 5,296 7,710 9,969 13,029 13,029 2 Adult 7,094 8,474 12,335 15,948 20,845 20,845 2 Adult 1 Child 8,110 9,511 14,208 18,255 23,152 23,152 2 Adult 2 Child 9,020 10,489 16,046 20,562 25,459 25,459 2 Adult 3 Child 9,930 11,467 17,884 22,869 27,766 27,766 1 Adult 1 Child 5,450 6,333 9,583 12,276 15,336 15,336 (`)

# Inclusive of TPA fees and 10.3% Service Tax. Service Tax charges subject to change with notification of the Government and will have an impending effect on the premium *For Renewal Only.

Expenses Covered
Room, Boarding Expenses as provided by the hospital /nursing home subject to a limit of
Per day room rent Other than ICU ICU 2%of the Sum Insured 4% of the Sum Insured

80-D of the IT act

? Easy documentation and hassle-free claim settlement.

The Claim amount payable per person towards the treatment of under mentioned disease during the period of insurance is subject to a limit of:
Diseases / Treatment
Cataract

Special Benefits
Daycare ? treatments pays for the daycare procedures which don't require 24hours of hospitalisation due to advancement in technology.
Age Band
Up to 35 Yrs 36-45 Yrs 46-55 Yrs 56-60 Yrs 61-65 Yrs 66-70 Yrs*
#

One Year 3,00,000

1 Adult 3,189 3,594 5,466 7,096 10,549 10,549 2 Adult 5,103 5,751 8,746 11,354 16,877 16,877 2 Adult 1 Child 5,750 7,012 10,276 12,886 18,613 18,613 2 Adult 2 Child 6,333 8,198 11,778 14,418 20,349 20,349 2 Adult 3 Child 6,916 9,214 13,280 15,950 22,085 22,085

(`)

Two Years 3,00,000

2 Adult 1 Child 10,923 13,324 19,524 24,483 35,363 35,363 2 Adult 2 Child 12,031 15,577 22,377 27,393 38,661 38,661 2 Adult 3 Child 13,139 17,508 25,230 30,303 41,959 41,959

(`)

Limit per person per policy period

10% of the Sum Insured

1 Adult 1 Child 3,836 4,855 6,996 8,628 12,285 12,285

#

Age Band
Up to 35 Yrs 36-45 Yrs 46-55 Yrs 56-60 Yrs 61-65 Yrs 66-70 Yrs*

1 Adult 6,060 6,828 10,385 13,483 20,041 20,041

2 Adult 9,695 10,927 16,617 21,573 32,065 32,065

1 Adult 1 Child 7,288 9,225 13,292 16,393 23,339 23,339

? Pre & Post-hospitalisation expenses for 30 days and 60 days

The limit is applicable in respect of all claims preferred by each Insured Person (for the ailments / diseases mentioned above) for the Period of Insurance.

respectively will be reimbursed.

? Ambulance charges in an emergency, subject to a limit of

Important Policy Exclusions*

1. Pre-Existing conditions at the time of applying for insurance. However these shall be covered after 48 months of continuous insurance under this policy. 30 Days Waiting Period: Any disease contracted by the Insured Person during the first 30 days from the Commencement Date of the cover

Rs.1000/- per person per claim.

? Advantage The floater plan provides the advantage of Floater

the total sum insured floating between the members covered. Every member covered under this plan will be able to use the sum insured. Unlike the individual plan, the floater plan is

2.

Inclusive of TPA fees and 10.3% Service Tax. Service Tax charges subject to change with notification of the Government and will have an impending effect on the premium *For Renewal Only.

Inclusive of TPA fees and 10.3% Service Tax. Service Tax charges subject to change with notification of the Government and will have an impending effect on the premium *For Renewal Only.