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The Royal Sundaram Lifeline Elite Plan offers comprehensive health coverage, particularly beneficial for individuals who travel internationally. This plan provides worldwide emergency hospitalization coverage, alongside essential medical expenses for pre and post-hospitalization, domiciliary treatment, in-patient hospitalization, all daycare procedures, OPD, organ donor expenses, and ambulance services.
Additionally, the plan covers 11 specified critical illnesses and includes an emergency domestic evacuation facility, along with health and wellness benefits. For enhanced protection, the Elite Plus option offers an extra layer of coverage, ensuring you are protected anytime, anywhere, including internationally.
| PLAN DETAILS |
Royal Sundaram Lifeline Elite |
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Bajaj General Herizon Care |
| Product Type | Individual and Family Health Insurance | Individual |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
- | Covered |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
- | Covered |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
- | Covered |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
- | Covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
- | Covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
- | Covered |
| Hospital_network (Number of Hospital Network in city) |
10000 | 18400 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Covered | Not Covered |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Covered | Covered |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Covered | Covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Covered | Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Covered | Covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Covered | Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Not Covered | Available |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Not Covered | Available |
| Plan Entry Age | 18 to 65 Years | Adults: 18 – 80 years, Children: 90 days – 35 years |
| Plan Premium Entry Age and S/A | 21,600 | 2845 |
| Plan Waiting Period | 30 | 30 |
| Plan Coverage | - | Maternity & pregnancy expenses, infertility treatment & assisted reproductive technology, critical illness cover for women-specific diseases, hospitalization & day care procedures, newborn & baby care cover, mental health & emotional wellness support. |
| Plan Sample Premium | N/A | 2845 |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1/2/3 Years | 1/2/3/4/5 years |
| ICU Charges | - | Covered |
| Covid-19 Treatment | Covered | Covered |
| Cataract | Covered | Covered |
| Automatic Restoration | Covered | Not Covered |
| Ayush Treatment | Covered | Not Covered |
| Modern Treatment | Not Covered | Covered |
| E Consultation | Not Covered | Covered |
| Air Ambulance | Not Covered | Covered |
| Global Coverage | Covered | Not Covered |
| Claim Ratio | 96.17 | 99.23 |
| Solvency Ratio | 2.20 | 3.25 |
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