Royal Sundaram Lifeline Elite

Overview

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.

Benefits of Royal Sundaram Lifeline Elite Plan

The Royal Sundaram Lifeline Elite Plan offers multiple healthcare benefits and other value-added covers that make it stand out. Key benefits include:

Worldwide Emergency Hospitalization

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.

Emergency Domestic Evacuation

Covers expenses for emergency evacuation from one hospital to another due to illness or accident as specified in policy documents.

Tax Benefits

Tax benefits are available on premiums paid for the RS Lifeline Elite plan under Section 80D of the Income Tax Act of India.

Specified Critical Illnesses Cover

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:

• Cancer of specified severity
• First heart attack of specified severity
• Open chest CABG
• Open heart replacement or repair of heart valves
• Coma of specified severity
• Kidney failure requiring regular dialysis
• Stroke resulting in permanent symptoms
• Major organ or bone marrow transplant
• Permanent paralysis of limbs
• Motor neurone disease with permanent symptoms
• Multiple sclerosis with persisting symptoms

Note: All claims for these critical illnesses are subject to a mandatory co-payment of 20%.

Elite Plus Option

The Elite Plus option provides additional benefits, including:

• App-based cabs as a part of ambulance cover
• Refresh of the sum insured
• In-patient treatment for PEDs if the condition is life-threatening
• Bariatric surgery
• Mobility devices
• Second opinion for an additional 11 specified critical illnesses (a total of 22 critical illnesses)
• International treatment for 3 additional critical illnesses (a total of 14 specified critical illnesses)
• In-vitro fertilization (IVF) treatment

Exclusions

Permanent diseases or health conditions that are not included under the Royal Sundaram Lifeline Elite Plan are:

• Hospitalization due to war, riot, strike, or nuclear weapons
• Intentional self-injury
• AIDS
• Miscarriage and abortion
• Congenital diseases
• Infertility and in-vitro fertilization

Certain diseases and treatments are covered under this plan after a certain time period. Details are below:

• Listed ailments: 48 Months
• Pre-existing diseases: 24 Months

Summary

The 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.