Royal Sundaram Health Insurance Benefits

There are some common instances which are not covered under Royal Sundaram health insurance plans.These instances are called exclusions and they include the following

1. Illnesses occurring within the first 30 days of buying the policy are not covered
2. There is a waiting period of one year or two years for allowing coverage for specific treatments like treatments for hernia, piles, fistula, cataract, etc.
3. Pre-existing diseases are not covered during the specified waiting period which can be three years or four years depending on the plan selected
4. Maternity expenses are not covered under all health plans. They would be covered only if they are included in the plan’s scope of coverage
5. Cosmetic treatments, dental treatments and unproven treatments are not covered
6. HIV/AIDS and other sexual illnesses are not covered
7. Illnesses or injuries due to war, radiation, criminal activities, participation in dangerous activities, substance abuse, etc. are not covered
8. Circumcision is not covered
9. Self-inflicted injuries and attempted suicides are excluded from the coverage of all health insurance plans
10. Mental and congenital disorders are also not covered under health insurance plans