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Future Generali Health Total Vital - 3 Lakh Vs Royal Sundaram Lifeline Classic - 2 Lakh to 4 Lakh Health Plan Comparison

Future Generali
Health Total
Vital
3 Lakh
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Royal Sundaram
Lifeline
Classic
2 Lakh to 4 Lakh
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Policy Tenures (Years)
1,2,3
1,2,3
Minimum Entry Age (Adult)
18
18
Maximum Entry Age (Adult)
Lifelong
lifelong
Minimum Entry Age (Child)
1 day
91 days
Maximum Entry Age (Child)
25
25
Maximum Renewal Age
Lifelong
Lifelong
Fees of Surgeon, Anesthetic, Nurses etc
Actual
Actual
No. of Day Care Treatments Covered
All
147
OPD Benefit
No Pre-Policy Medical Tests Age
50
Compulsory for all ages
Room Rent
Actual Rent
Actual Rent
ICU Rent
Actual Rent
Actual Rent
Waiting Period for Pre-existing Diseases (months)
24
24
Waiting Period for Named Ailments (months)
0
0
Pre-hospitalisation Expenses
Actual expenses for Upto 60 days
Actual expenses for Upto 30 days
Post-hospitalisation Expenses
Actual expenses for Upto 90 days
Actual expenses for Upto 60 days
Domiciliary Treatment
Not Covered
Not Covered
Maternity Expenses
Optional
Not Covered
Newborn Coverage
Not Covered
Not Covered
Recharge of Sum Assured
Hospital Cash Benefit
Ambulance Charges (Rs.)
1500
Not Covered
Air Ambulance Charges (Rs.)
Not Covered
3000
Recovery Benefit
Health Check up
Organ Donor Expenses
Actual expenses
Not covered
Ayurvedic Treatment
Actual expenses
Not covered
Second Opinion
Not covered
Not covered
e-Opinion
Covered
Not covered
Cumulative Bonus
Yes, 50% for every claim-free year to max 100%
Co-payment
Cashless Hospital Network
4200 hospitals across India
3000 hospitals across India
Free Look Period
15 days
Grace Period
30 days
International Treatment
Not covered
Not covered
Tax Benefit
Yes, under section 80D
Yes, under section 80D
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