Royal Sundaram Lifeline Health Insurance Plan

The room rent limit is the maximum amount of bed charge that you can claim if you are hospitalized.

Common Room categories covered under room rent are:

• Private Single AC Room
• Twin Sharing
• General Ward

Coverage status under Royal Sundaram Lifeline Health Plan?

Under this plan, the room rent is covered up to the SI, without any room rent capping.

It is a special department in the hospitals where patients with serious medical conditions are treated.

Coverage status under Royal Sundaram Lifeline HealthPlan?

Under this plan, ICU charges are covered up to the SI.

Medical expenses incurred before the hospitalization of the policyholder.

Coverage status under Royal Sundaram Lifeline HealthPlan?

Lifeline Classic: This plan covers medical expenses incurred during pre-hospitalization for up to 30 days.

Lifeline Supreme: This plan covers medical expenses incurred during pre-hospitalization for up to 60 days.

Lifeline Elite: This plan covers medical expenses incurred during pre-hospitalization for up to 60 days.

Medical expenses incurred after the discharge of the policyholder from the hospital.

Coverage status under Royal Sundaram Lifeline HealthPlan?

Lifeline Classic: This plan covers medical expenses incurred during post-hospitalization for up to 60 days.

Lifeline Supreme: This plan covers medical expenses incurred during post-hospitalization for up to 90 days.

Lifeline Elite: This plan covers medical expenses incurred during post-hospitalization for up to 180 days.

Home hospitalization arrangement for the insured person due to unavailability of medical amenities in hospitals. The treatment should last equal to or more than 72 hrs to get financial coverage.

Coverage status under Royal Sundaram Lifeline HealthPlan?

Domiciliary Hospitalization is covered up to the Sum Insured.

Treatments that can be treated in less than 24 hours of hospitalization like blood dialysis, cataract, etc.

Coverage status under Royal Sundaram Lifeline HealthPlan?

This plan covers the expenses of all the day care procedures up to the SI.

Covers the cost of doctor consultation and prescribed medical tests that may not require hospitalization.

Coverage status under Royal Sundaram Lifeline HealthPlan?

Lifeline Classic: OPD is not covered under the plan.

Lifeline Supreme: OPD is not covered under the plan.

Lifeline Elite: This plan covers the OPD expenses up to the 10K.

COVID-19 treatment includes the cost of treatment for COVID-19 with a confirmative diagnosis from a government approved Centre.

Coverage status under Royal Sundaram Lifeline HealthPlan?

COVID-19 treatment cover is available under this plan.

A common eye condition in which your vision gets blurred.

Coverage status under Royal Sundaram Lifeline HealthPlan?

The plan does not cover Cataract treatment.

For every claim-free year, insurance companies reward policyholders with an increase in the Sum Insured amount as a no-claim bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage that varies from plan to plan.

Coverage status under Royal Sundaram Lifeline HealthPlan?

Lifeline Classic: The plan offers a No-claim bonus to the policyholders of upto 10% of the base sum insured up to the maximum amount of 50% SI.

Lifeline Supreme: The plan offers a No-claim bonus to the policyholders of upto 20% of the base sum insured up to the maximum amount of 100% SI.

Lifeline Elite: The plan offers a No-claim bonus to the policyholders of upto 20% of the base sum insured up to the maximum amount of 100% SI.

Automatic restoration is a benefit in which an insurance company restores the sum insured amount completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from plan to plan.

Coverage status under Royal Sundaram Lifeline HealthPlan?

The plan offers the benefit of automatic restoration up to the Base SI.

It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body.

Coverage status under Royal Sundaram Lifeline HealthPlan?

The plan covers organ donor expenses up to the SI.

An ambulance is used to move the patient from home to the hospital, transfer to another hospital, and take them for different tests outside the hospital.

Coverage status under Royal Sundaram Lifeline HealthPlan?

Lifeline Classic: One can avail of the ambulance coverage of up to 3K.

Lifeline Supreme: One can avail of ambulance coverage of up to 5K.

Lifeline Elite: One can avail of the ambulance coverage of up to 10K.

Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.

Coverage status under Royal Sundaram Lifeline HealthPlan?

Lifeline Classic: The plan does not cover the expenses for Air Ambulance.

Lifeline Supreme: One can avail of the Air Ambulance coverage of up to 1 Lakhs.

Lifeline Elite: One can avail of the Air Ambulance coverage of up to 3 Lakhs.

Refers to the traveling expenses of a family member of the insured person in case the policyholders get admitted to a hospital outside his/her residential city.

Coverage status under Royal Sundaram Lifeline HealthPlan?

Not Available

Any kind of medical/health emergency when you are outside of India.

Coverage status under Royal Sundaram Lifeline HealthPlan?

Lifeline Classic: The plan does not offer global coverage.

Lifeline Supreme: The plan does not offer global coverage.

Lifeline Elite: The plan offers global coverage for 11 specified illnesses. The plan also offers one-time return airfare for the insured person. **The global coverage excludes US & Canada.

If a policy offers E-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.

Coverage status under Royal Sundaram Lifeline HealthPlan?

Not Available

If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company’s network of medical practitioners.

Coverage status under Royal Sundaram Lifeline HealthPlan?

Lifeline Classic: Not available

Lifeline Supreme: Second medical opinion is available once during the policy year for 11 specified critical illnesses.

Lifeline Elite: Second medical opinion is available once during the policy year for 11 specified critical illnesses.

In the co-payment clause, policyholders have to pay a portion of the hospitalization expense on their own and the insurer will pay the rest of the amount.

Status under Royal Sundaram Lifeline HealthPlan?

co-payment is Not Applicable.