Royal Sundaram Lifeline Health Plan
Royal Sundaram Lifeline Health Plan
  • Three Plan Variants
  • No Room/Rent Capping
  • Animal Bite Coverage
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Royal Sundaram Lifeline Health Plan

The lifeline health plan being offered by Royal Sundaram is the single plan that can fulfill all your requirements. There are three variants of the plan to serve the choices of the policy buyers. Other than this there is also the availability of both individual and family floater plans under this plan.

Eligibility

  • All who are 18 years of age and above are eligible to buy an individual plan or family floater plan for yourself, spouse, and children.
  • The insured can include 4 dependent children other than spouse under family floater plan.
  • The age of the dependent children to be included should be between 91 days and 25 years.
  • There is no maximum age bar for buying this plan.

Variants Of Royal Sundaram Lifeline Plan

  • Lifeline Classic
  • Lifeline Supreme
  • Lifeline Elite

Key Benefits Of Royal Sundaram Lifeline Plan

  • Reload Sum Insured
  • No Room /rent Capping
  • Double Your Insured Sum
  • Animal Bite Coverage
Royal Sundaram Lifeline Health Plan

Coverage For All Three Variants Of Royal Sundaram Lifeline Policy

CompareLifeline Classic PlanLifeline Supreme PlanLifeline Elite Plan
Sum Insured2, 3, 4 lakhs5, 10, 15, 20, 50 lakhs25, 30, 50, 100, 150 lakhs

Baseline Cover Benefits

CompareLifeline Classic PlanLifeline Supreme PlanLifeline Elite Plan
1. Inpatient CareCovered Up to SICovered Up to SICovered Up to SI
2. Pre and Post Hospitalization Expense30/60 Days, Covered Up to SI60/90 Days, Covered Up to SI60/180 Days, Covered Up to SI
3. All Day Care ProceduresCovered Up to SICovered Up to SICovered Up to SI
4. Ambulance CoverUp to Rs.3,000Up to Rs.5,000Up to Rs.10,000
5. Organ Donor ExpenseCovered Up to SICovered Up to SICovered Up to SI

Other Benefits

CompareLifeline Classic PlanLifeline Supreme PlanLifeline Elite Plan
1. Domiciliary hospitalizationCovered Up to SICovered Up to SICovered Up to SI
2. No Claim Bonus10% of Base SI maximum up to 50% of SI20% of Base SI maximum up to 100% of SI20% of Base SI maximum up to 100% of SI
3. Ayush TreatmentGovernment Hospitals - Covered up to SI; other Hospitals - covered up to Rs.20,000Government Hospitals - Covered up to SI; other Hospitals - covered up to Rs.30,000Government Hospitals - Covered up to SI; other Hospitals - covered up to Rs.50,000
4. Emergency Domestic Evacuation(Bed To Bed On Advice Of Treating Document)Not CoveredCovered up to Rs.1 LacsCovered up to Rs.3 Lacs
5. Re-load of Sum InsuredCovered Up to SICovered Up to SICovered Up to SI
6. Vaccination In Case Of Animal BiteUp to Rs.2,500Up to Rs.5,000Up to Rs.7,500
7. Worldwide Emergency Hospitalization Excluding US and CanadaNot CoveredNot Covered50% of base SI up to maximum Rs.20 Lacs; Deductible of $1,000 per hospitalization
8. International Treatment Abroad for specified critical illnesses Excluding the US and CanadaNot CoveredNot CoveredCovered up to SI Return Airfare covered up to Rs.3 Lac

Health & Wellness Benefits

CompareLifeline Classic PlanLifeline Supreme PlanLifeline Elite Plan
1. Preventive Healthcare & WellnessAvailableAvailableAvailable
2. Health CheckupAvailable once every 3rd policy yearAnnualAnnual
3. OPD TreatmentNot CoveredNot CoveredUp to Rs.10,000
4. Second Opinion For diagnosed 11 Specified Critical IllnessNot CoveredAvailable once during the policy yearAvailable once during the policy year

Maternity Benefits

CompareLifeline Classic PlanLifeline Supreme PlanLifeline Elite Plan
1. New Born Baby CoverNot CoveredNot Covered25% of SI
2. Maternity Cover For Up to 2 deliveriesNot CoveredNot CoveredFor SI up to Rs.50 lakhs - Rs.2 lakhs
For SI>Rs50 lakhs - Rs.2.5 lakhs
3. Vaccination For New Born Baby In 1st yearNot CoveredNot CoveredCovered up to Rs.10,000

Optional Benefits

CompareLifeline Classic PlanLifeline Supreme PlanLifeline Elite Plan
Hospital Cash (for 30 days in case of hospitalization beyond 2 days)Rs.1,000/dayRs.2,000/dayRs.5,000/day
Top-up Plan on an annual aggregate basisDeductible for Rs. 1, 2, 3, 4, 5 and 10 lacsDeductible for Rs. 1, 2, 3, 4, 5 and 10 lacsNot Available
Option to include US & Canada for Worldwide emergency hospitalization and international treatment for 11 specified critical illnessNot AvailableNot AvailableAvailable

Royal Sundaram Lifeline Plans Details

The Lifeline plan provides to its insured range of coverage. All the coverage catered to the insured under Lifeline Classic, Supreme and Elite plans have been mentioned below:

1. Royal Sundaram Lifeline Classic

In case you are in search of a comprehensive plan for self and family then Lifeline’s Classic is the most affordable plan for you. The plan has several options relating insured sum. The plan provides significant health cover for certain illnesses, medical conditions, and critical health situations.

List of coverages have been detailed below:

  • Inpatient hospitalization expense
  • Ambulance cover
  • Pre-hospitalization and post-hospitalization expenses.
  • Coverage for all daycare procedures up to the sum insured
  • The treatment of an organ donor is covered up to the insured sum.
  • Covers vaccination in case of an animal bite.
  • Domiciliary hospitalization charges are covered up to the sum insured
  • Preventive healthcare and wellness.
  • AYUSH treatment - inpatient hospitalization cover up to the insured sum in government hospitals and up to Rs.20,000 in other hospitals.
  • No-claim bonus starts from 10% of the sum insured and extends up to 50%. NCB is not reduced, even when a claim is filed in a particular year.
  • The plan provides the insured free health checkup once every third policy year.
  • 100% reload of the insured sum during treatment of different illnesses in case of complete exhaustion of the insured sum and NCB.

2. Royal Sundaram Lifeline Supreme Plan

The plan provides comprehensive coverage to its insured concerning health and wellness benefits, annual health check-up, a second opinion in case of critical illness and much more.

The plan had procedures for both individual and family floater plans which can include self, spouse and children. The plan is also planned in such a way that it can cover the severe health conditions/ critical illnesses.

Here is a list of the coverage mentioned concerning Lifeline Supreme Plan:

  • Pre-hospitalization and post-hospitalization expenses are covered for 60 and 90 days respectively.
  • Daycare procedures cover up to the insured sum.
  • Coverage is provided for an ambulance. The coverage can go up to Rs. 5000.
  • Domiciliary hospitalization cost is covered.
  • Organ donor expenses get the coverage.
  • The no-claim bonus (NCB) starts from 20% of the sum insured and it can extend up to 100%. There is no reduction in the NCB even after a claim is filed during the particular year.
  • 100% reloading of the sum insured is provided under the plan in case the total sum insured and NCB has completely exhausted.
  • Inpatient hospitalization cost under AYUSH treatment/ government and other hospitals gets coverage up to Rs. 30,000.
  • In the case of an animal bite, the insured gets a vaccination cover up to Rs. 5,000.
  • There is coverage for the second opinion in the case of 11 specified critical illnesses mentioned under the plan.
  • Emergency domestic evacuation covers up to Rs. 1 Lac.
  • Annual health checkup for every member more than 18 years of age and insured under the plan gets coverage irrespective of the claims in that year.

3. Royal Sundaram Lifeline Elite Plan

This plan is especially for those who require coverage both within and outside India. Anyone 18 years and above in age can buy this plan. The plan offers both individual and family floater plan. The insured sum limit can go as high as Rs. 1.5 crores.

Along with high sum insured options, Lifeline Elite provides the best coverage according to present-day medical requirements. Here is a list of the coverage mentioned in detail:

  • Coverage for maternity expenses - covers up to 2 deliveries if both husband and wife are covered under the same family floater policy.
  • The plan covers severe medical conditions and accidents.
  • It also provides coverage for treatment abroad.
  • The pre-hospitalization and post-hospitalization are for 60 and 180 days respectively.
  • Worldwide emergency hospitalization up to 50% of the sum insured limited up to Rs. 20 Lakhs. The base cover is excluding the US and Canada, however, the insured can opt to include the US and Canada at the inception of the first policy. Deductible of $1000 per claim is applicable under the plan.
  • OPD treatment coverage is up to Rs. 10,000.
  • Coverage for all types of daycare procedures up to the sum insured is provided under Royal Sundaram Lifeline Elite Plan. international treatment for 11 specified diseases is also covered including return airfare u to Rs. 3 Lakhs. The base cover is excluding the US and Canada, however, the insured can opt to include the US and Canada at the time of inception of the policy.
  • The coverage also includes newborn baby cover under family floater plan along with all the vaccination in the first year.
  • Ambulance cover up to Rs.10,000 is provided in case of an emergency.
  • Organ donor treatment costs and domiciliary hospitalization expenses are also covered up to the insured sum.
  • A cover-up to Rs.7,500 is provided in case of an animal bite.
  • Annual health checkups get the coverage benefit.
  • Emergency domestic evacuation cover of up to Rs. 3 lacs.
  • No-claim bonus starts from 20% of the sum insured and extends up to 100% of the total sum insured. NCB is not deducted, even when a claim is filed in a particular year.
  • Re-load of the sum is also done for different illnesses in case the total sum insured and the NCB have completely exhausted.
  • AYUSH Treatment - In-patient hospitalization cover up to sum insured in government hospitals and up to Rs. 50,000 in other hospitals.

Exclusions Of Lifeline Plan Variants

  • Disease contracted by the insured person within the first 30 days after the inception of the policy is not covered.
  • There is a limited waiting period of 48 months of uninterrupted policy coverage in case of pre-existing medical conditions or disease.
  • Certain diseases like cataract, knee/ hip replacement, Benign Prostatic Hypertrophy, chronic renal failure/ end-stage renal failure, etc are not covered in the initial 2 years of the policy term.
  • There are a permanent exclusion for certain diseases/ illnesses like:
addictive conditionsdisordersadventure or hazardous sports injuryaging and pubertyalternative treatment (except AYUSH)artificial life Maintenancecharges for medical paperscircumcision
conflict and disastercongenital conditionsconvalescence and rehabilitationcosmetic surgerydental/oral treatmentdrugs and dressing for OPD treatmenteyesight treatmenthealth hydros
nature curewellness clinicsHIV and AIDshereditary conditionhospitalization for observation or investigation purpose onlyitems of personal comfort and conveniencepsychiatric and psychosomatic conditionObesity
OPD treatmentpreventive carereproductive machineself-inflicted injuriessexual problems and gender issuessexually transmitted diseasessleep disordersspeech disorders
stem cell implantationtreatment for alopeciatreatment for developmental problemstreatment received outside Indiaunproven/ experimental treatmenttreatment from unrecognized hospitals or physicianunrelated diagnostics or injury due to unlawful activity.

This exclusion applies to Lifeline Supreme and Elite Plans Only: the critical diseases that are contracted by the insured within 90 days after the commencement of the policy are not considered for a claim.

Royal Sundaram Lifeline Plan Review

The feature of coverage for the expenses, while taking treatment abroad has been loved by policyholders. There is hardly any such plan in the market that can compete with Royal Sundaram Lifeline Plan. It is a must buy health insurance policy in case you want comprehensive coverage for self and family.

FAQS

There are three different plans available:

  • Lifeline Classic Plan
  • Lifeline Supreme Plan
  • Lifeline Elite Plan

No, all who are 18 years old and above can buy any policy variants.

The insured gets coverage up to Rs.10,000 for ambulance under emergency.

Pre-hospitalization cover for any treatment expenses 30 days prior to the date of hospitalization gets covered.

The maximum sum insured is Rs.4 lakhs.

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Last updated on 12-12-2019