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Royal Sundaram Lifeline Health Insurance Plan

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Royal Sundaram Lifeline Health Insurance Plan



Royal Sundaram Lifeline Health Insurance Plan, offers comprehensive health cover with a range of Rs. 2 lakhs - Rs.1.50 crore with an option of Individual and/or Family Floater plans.

Plan Variants: Lifeline comes in three key variants:
  1. Lifeline Classic
  2. Lifeline Supreme
  3. Lifeline Elite


Key Features 


 
  • Comprehensive coverage with no room rent capping or disease specific sublimit
  • Covers maternity and new born baby
  • International treatment for specified critical illness including return airfare
  • Worldwide emergency hospitalization
  • Reload of sum insured
  • Accelerated No Claim Bonus with no penalty in case of claim
  • All day care procedures covered
  • Covers vaccination in case of animal bite
  • Health and wellness benefit including annual health check-up
  • Covers emergency domestic evacuation
  • Ayush treatment
  • Geographical pricing

 

Benefits



The benefits of the plan variants – Elite, Supreme and Classic, illustrated below:
 

Sum Insured (SI) in Rs.

Classic

Supreme

 

Elite

2,3,4 lakhs

5,10,15,20,50 lakhs

25,30,50,100,150 lakh

Baseline cover benefits

Inpatient Care

Covered up to SI

Covered up to SI

Covered up to SI

Pre and post hospitalization expenses

30/60 days, Covered upto SI

60/90 days, Covered upto SI

60/180 days, Covered upto SI

All Day care procedures

Covered up to SI

Covered up to SI

Covered up to SI

Ambulance Cover

Up to Rs.3,000

Up to Rs.5,000

Up to Rs.10,000

Organ Donor Expenses

Covered upto SI

Covered upto SI

Covered upto SI

Other Benefits

Domiciliary Hospitalization

Covered upto SI

Covered upto SI

Covered upto SI

No Claim Bonus

10% of Base SI upto a max of 50% of SI

20% of Base SI upto a max of 100% of SI

20% of Base SI upto a max of 100% of SI

Re-load of Sum Insured

Upto Base SI

Upto Base SI

Upto Base SI

Ayush Treatment

Government Hospitals - Covered upto SI; Other Hospitals - Covered upto Rs.20,000

Government Hospitals - Covered upto SI; Other Hospitals - Covered upto Rs.30,000

Government Hospitals - Covered upto SI; Other Hospitals - Covered upto Rs.50,000

Vaccination in case of Animal Bite

Upto Rs.2,500

Upto Rs.5,000

Upto Rs.7,500

Emergency Domestic Evacuation (Bed to Bed on advise of treating doctor)

Not Covered

Covered upto Rs.1lakh

Covered upto Rs.3lakhs

Worldwide Emergency Hospitalization

Not Covered

Not Covered

50% of Base SI upto max of Rs.20lakhs; Deductible of $1,000 per hospitalization

International Treatment abroad for specified 11 critical illnesses

Not Covered

Not Covered

Covered upto SI Return Airfare covered upto Rs.3 lakh

Health & Wellness Benefits

Health Check-up

Once in 2 years

Annual

Annual

Preventive Healthcare & Wellness

Available

Available

Available

Second Opinion for 11 specified Critical Illness

Not Covered

Available once during the policy year

Available once during the policy year

OPD Treatment

Not Covered

Not Covered

Upto Rs.10,000

Maternity Benefits

Maternity cover for up to 2 deliveries

Not Covered

Not Covered

For SI upto Rs.50laks - Rs.2lakhs
For SI > Rs.50lakss - Rs.2.5lakss

New Born Baby Cover

Not Covered

Not Covered

25% of SI

Vaccinations for new born baby in the first year

Not Covered

Not Covered

Covered upto 10,000

Optional Benefits

Top-up plan on annual aggregate basis

Deductible of Rs.1,2,3,4,5 and 10 lakhs

Deductible of Rs.1,2,3,4,5 and 10lakhs

Not Available

Hospital Cash (for 30 days in case of hospitalization beyond 2 days)

Rs.1,000/day

Rs.2,000/day

Rs.5,000/day

Option to include US and Canada for Worldwide Emergency Hospitalization and International Treatment for 11 specified Critical Illness

Not Available

Not Available

Available


Eligibility conditions and other restrictions


 

Particulars

Criteria

 Entry Age (in years) 

  Minimum  

91 days for dependent children, 18 years for proposer or adults

 

 Maximum 

25 years for dependent children, lifetime entry age for adults

Policy Type

Individual or family floater

Family Coverage

Self, spouse and up to 4 dependent children.

Separate floater plan can be taken for parents or other dependents.

Sum Insured Enhancement

Only at the time of renewals

Policy Tenure

Option of 1 year, 2 years as well as 3 years

  Discount of 7.5% if you opt for 2 years tenure and 12% if you opt for 3 years tenure  


Additional Features



Ayush Treatment–allows to opt for Ayurveda, Unani, Siddha and Homeopathy treatments. Below are the limits as per the variant:-
  • Elite – Government Hospitals - Covered up to Sum Insured. Other Hospitals - Covered up to Rs. 50,000/-
  • Supreme– Government Hospitals - Covered up to Sum Insured. Other Hospitals - Covered up to Rs.30,000/-
  • Classic - Government Hospitals - Covered up to Sum Insured. Other Hospitals - Covered up to Rs. 20,000/-
Vaccination in case of Animal Bite - 
Below are the limits as per the variant:-
  • Elite - Up to Rs.7,500/-
  • Supreme – Up to Rs.5,000/-
  • Classic - Up to Rs.2,500/-
Second opinion for 11 critical illnesses below:-
  1. Cancer
  2. First Heart Attack
  3. Open Chest CABG
  4. Open Heart Replacement or Repair of Heart Valves
  5. Coma
  6. Kidney failure
  7. Stroke
  8. Major organ/bone marrow transplant
  9. Permanent paralysis of Limbs
  10. Motor neuron disease
  11. Multiple sclerosis
Tax Benefit under section 80D of Income Tax Act.

Life Time Renewability

Free look period – If the policy holder is not convinced with the terms and conditions of the policy, s/he can cancel the same within 15 days of the receipt of policy document.

Geographical Pricing – Premium is computed on the basis of location of the proposed/insured. Entire country is divided into 2 Zones. Zone 2 has 15% discount over Zone 1 pricing
Zone 1 – Delhi/NCR, Mumbai (including Suburban areas), Pune, Bengaluru, Hyderabad, Chennai, Kolkata, Gujarat State
Zone 2 – Rest of India
For example, if premium for Zone 1 is Rs.100, then premium for Zone 2 will be Rs.85. Zone 2 customer can go to Zone 1 for treatment without any penalty
 

Exclusions - What is not covered? 



Initial waiting period – 30 Days
Initial waiting period for critical illness – 90 Days
For pre-existing disease:
  • Classic – 48 Months
  • Supreme – 36 Months
  • Elite – 24 Months
For maternity benefits – 36 Months
Specific waiting period of 24 Months for 17 specified illnesses listed (please refer brochure for complete list of illnesses)
Permanent exclusions: please refer brochure for permanent exclusions
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