Medical Insurance Policy

Medisafe Insurance

Protecting you and your family

Get complete protection for yourself and family with Medisafe Insurance Policy

Cashless hospitalization in
4,000+ hospitals
25% discount
on premium

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Insure yourself and your family with the Medisafe Insurance Policy. People in the age bracket of 91 days to 75 years can avail the service. The insurance covers over 4,400 hospitals across India.

  • Get 5% cumulative bonus for each claim-free year up to a maximum of 10 slabs. In case of a claim, the earned bonus will be reduced by one slab
  • Receive income tax benefit on premium paid under Section 80D of the Income Tax Act 1961
  • Life-long renewal benefit : This policy provides for lifelong renewal and you can remit the renewal premium on or before expiry date of the policy. You are also given a 30 day grace period to remit renewal premium and maintain continuity of coverage. However, during this grace period no coverage shall be provided
  • This policy has been designed by Royal Sundaram Alliance Insurance Company Limited for customers

Payment Options

You can pay premium in 6 to 12 EMIs at 14% annual ROI and processing fee of 2%, amounting to a minimum of Rs. 149 and up to Rs. 500.

  • Current premium rates (including 14% ST):
    Revised Age slab 91 days - 20 Yrs 21 - 35 Yrs 36 - 45 Yrs 46 - 60 Yrs 61-80 Yrs
    Sum Insured          
    1,50,000 2,141 2,394 2,639 4,419 8,423
    2,00,000 2,742 3,043 3,338 5,670 10,913
    2,50,000 3,187 3,542 3,891 6,789 13,278
  • At inception, you may review the terms and if you find the same not acceptable, opt out of the policy within 15 days from the date of receipt of policy documents. If you have not made any claim, you will be refunded the premium amount paid less stamp duty charges.

Pre-existing diseases will be covered after 4 years of continuous insurance. Treatment of cataract, benign prostatic hypertrophy, hysterectomy for menorrhagia or fibromyoma, hernia, hydrocele, congenital internal anomaly, fistula in anus, piles, sinusitis for all insured persons for one year from the Commencement Date of the cover. These exclusions will not be applicable if caused directly due to an accident during period of insurance.

  • We have a 30 days waiting period, which means that any disease contracted during the first 30 days of your policy will not be covered
  • Any routine or Preventive Examination, vaccination or inoculation, the cost of spectacles, contact lenses and hearing aids
  • Any cosmetic, plastic surgery, aesthetic or related treatment of any description, corrective surgery for refractive error and including any complication arising from these treatments, whether or not for psychological reasons, unless medically necessary as a result of cancer, accidents and burns
  • Any diagnostic studies not consistent with or incidental to the diagnosis, any treatment received outside India
  • Conditions such as AIDS, intentional self-injury, attempted suicide and conditions arising from alcohol or drug abuse
  • The treatment of psychiatric, psychosomatic disorders, mental or nervous conditions, insanity
  • Treatment arising from or traceable to pregnancy/childbirth

Please refer to your policy documents for a detailed list of exclusions.

For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.

Insurance is a subject matter of solicitation.

SBI Card is the Corporate Agent of Royal Sundaram Alliance Insurance Company Ltd vide IRDA license number RSA 2105154

Royal Sundaram Alliance Insurance Co Ltd IRDAI Registration No.102


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