Royal Sundaram Health Insurance
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A quick read on what this Royal Sundaram Health Insurance plan covers and why it might be a fit for you.
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.
Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.
*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.
A quick honest summary — the strengths and the trade-offs.
Every CMS-driven coverage flag from the plan wording — only items with a published value render below.
The Royal Sundaram Lifeline Elite Plan offers multiple healthcare benefits and other value-added covers that make it stand out. Key benefits include:
Covers medical expenses for emergency hospitalization abroad (excluding USA and Canada with base cover). Coverage for USA and Canada can be added by paying an additional premium.
Covers expenses for emergency evacuation from one hospital to another due to illness or accident as specified in policy documents.
Tax benefits are available on premiums paid for the RS Lifeline Elite plan under Section 80D of the Income Tax Act of India.
Insured individuals receive coverage for 11 specified critical illnesses, with treatment expenses paid by the Royal Sundaram Lifeline Elite policy. Treatment can be availed worldwide (USA and Canada can be covered with additional premiums). Airfare for return to India after treatment is reimbursed up to INR 3 Lakhs.
The 11 specified critical illnesses covered are:
Note: All claims for these critical illnesses are subject to a mandatory co-payment of 20%.
The Elite Plus option provides additional benefits, including:
What the plan pays for, and what it doesn't.
Eligibility criteria pulled straight from the policy wording.
Royal Sundaram Lifeline Elite plan is specially designed for those who are likely to travel abroad and want extended healthcare services from their insurer. In addition to this, policyholders can also avail of extra benefits over the base cover with the Elite Plus option. The worldwide emergency hospitalization benefit of this policy is an outstanding cover that you might require any time while traveling outside India.
For more details about the Royal Sundaram Lifeline Elite plan, please contact us at 1800 4200 269 for expert guidance.
The 5 most-asked questions about Royal Sundaram Lifeline Elite Plan, answered.
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