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Lifeline Health Insurance by Royal Sundaram is a comprehensive health insurance plan that looks after your day-to-day healthcare needs. Along with in-patient coverage, the plan also offers coverage against ambulance charges, maternity and newborn baby expenses, health check-ups, etc.
The plan is available in three variants that are designed to cover the health insurance needs of you and your family. These variants are:
| PLAN DETAILS |
Royal Sundaram Lifeline Plan |
Health Pulse 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.) |
Covered | Not Covered |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
Covered | Covered |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Covered | Covered |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
Covered | Covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
Covered | Covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
Covered | 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 | 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 | Not Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Not Covered | 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 Years to No Upper Age Limit | 18 to 65 Years |
| Plan Premium Entry Age and S/A | 4284 | 8339 |
| Plan Waiting Period | 30 | 30 |
| Plan Coverage | - | Hospitalisation Medical Expenses, Pre Post Treatment, Day Care Procedures, Ambulance Transportation Cover, Room Rent Coverage, ICU Charges Included, Sum Insured Refill, Critical Illness Cover |
| Plan Sample Premium | 4284 | 8339 |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1,2,3 Years | upto 3 years |
| ICU Charges | Covered | Covered |
| Covid-19 Treatment | Covered | Covered |
| Cataract | Covered | Covered |
| Automatic Restoration | Covered | Covered |
| Ayush Treatment | Covered | Covered |
| Modern Treatment | Covered | Covered |
| E Consultation | Not Covered | Covered |
| Air Ambulance | Covered | Not Covered |
| Global Coverage | Covered | Not Covered |
| Claim Ratio | 96.17 | 94.4 |
| Solvency Ratio | 2.20 | 3.03 |
|
Royal Sundaram Health Insurance Niva Bupa Health Insurance Plan Detailed Review |
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