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:
- Lifeline Classic
- Lifeline Supreme
- 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
Benefits
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/-
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/-
- Cancer
- First Heart Attack
- Open Chest CABG
- Open Heart Replacement or Repair of Heart Valves
- Coma
- Kidney failure
- Stroke
- Major organ/bone marrow transplant
- Permanent paralysis of Limbs
- Motor neuron disease
- Multiple sclerosis
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.
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
How it works
| 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
| 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 |
|
Exclusions
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
