Royal Sundaram Lifeline Elite
vs
My Health Suraksha Smart Plan
- 100+ top health insurance plans
- Premium starting @Rs. 19/day*
- No medical check-ups required
| PLAN DETAILS |
 Royal Sundaram Lifeline Elite |
3128-1730267377.webp){kind=logo} My Health Suraksha Smart Plan |
| Premium Including GST | ||
| Product Type | Individual and Family Health Insurance | Individual and Family Health Insurance |
| 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 | 12000 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Covered | 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 | Not Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Covered | Not 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 | Not Covered |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Not Covered | Not Covered |
| Plan Entry Age | 18 to 65 Years | 18 Years to No age limit |
| Plan Premium Entry Age and S/A | N/A | NA |
| Plan Waiting Period | 30 | 30 |
| Plan Coverage | - | Individual/Family floater |
| Plan Sample Premium | N/A | NA |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1/2/3 Years | 1, 2, 3 years |
| ICU Charges | - | Covered |
| Covid-19 Treatment | Covered | Covered |
| Cataract | Covered | Covered |
| Automatic Restoration | Covered | Covered |
| Ayush Treatment | Covered | Covered |
| Modern Treatment | Not Covered | Not Covered |
| E Consultation | Not Covered | Not Covered |
| Air Ambulance | Not Covered | Covered |
| Global Coverage | Covered | Not Covered |
| Claim Ratio | 96.17 | 98.59 |
| Solvency Ratio | 2.1 | 1.7 |
Royal Sundaram Lifeline Elite Plan is the only health insurance that you need now! Why? Let's understand this with an example.
Rahul and Aditya went on an international tour in the USA
They met with an accident when they were travelling by cab from New York City to Manhattan
There was a major issue with Aditya as he didn't plan such a thing
Rahul on the other hand was not that worried about the treatment expenses
Why?
Aditya's basic health insurance policy was bound to provide accidental coverage in India only but Rahul's Royal Sundaram Lifeline Elite plan was there to save him
It covered all the treatment expenses related to accidental emergency hospitalization (with additional international coverage) and he had to pay almost nothing, unlike Aditya
Analysis
So, what does this example convey? It's simple. The Royal Sundaram Lifeline Elite health insurance plan comprehensively covers the worldwide emergency along with its basic medical expenses related to pre and post-hospitalization, domiciliary and in-patient hospitalizations, all daycare procedures, OPD, organ donor expenses, ambulance cover, and so on.
Additionally, it covers 11 specified critical illnesses, an emergency domestic evacuation facility, health and wellness benefits, and much more. Apart from this, you can also buy an extra layer of protection with the Elite Plus cover which makes sure that you're covered anytime, anywhere, even internationally!
Well, what would you like to be? Aditya with an aam zindagi' or 'Rahul with the mentos zindagi'?
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With over 12 years of rich experience in the BFSI domain, with a specialisation in Life and Health Insurance, I have played a pivotal role in simplifying the insurance-buying process and delivering unparalleled service.
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