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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 |
Personal Accident Plan |
| 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.) |
- | Not Covered |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
- | Not Covered |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
- | Not Covered |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
- | Not Covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
- | Not Covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
- | Not Covered |
| Hospital_network (Number of Hospital Network in city) |
10000 | 10000 |
| 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 | Not 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 | Not 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 | Adult Entry Age: Minimum: 18 years, Maximum: 65 years. For Dependent Children (Maximum 2): Minimum: |
| Plan Premium Entry Age and S/A | 21,600 | - |
| Plan Waiting Period | 30 | No Waiting Period |
| Plan Coverage | - | - |
| Plan Sample Premium | N/A | - |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1/2/3 Years | 1/2/3 Years |
| ICU Charges | - | Not Covered |
| Covid-19 Treatment | Covered | Not Covered |
| Cataract | Covered | Not Covered |
| Automatic Restoration | Covered | Not Covered |
| Ayush Treatment | Covered | Not Covered |
| Modern Treatment | Not Covered | Not Covered |
| E Consultation | Not Covered | Not Covered |
| Air Ambulance | Not Covered | Not Covered |
| Global Coverage | Covered | Not Covered |
| Claim Ratio | 96.17 | 94.4 |
| Solvency Ratio | 2.20 | 3.03 |
|
Niva Bupa Health Insurance Plan Detailed Review |
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