Royal Sundaram Health Insurance

Lifeline is a comprehensive indemnity plan that provides health covers for both an individual and a family to protect the insured against the medical expenses incurred due to health hazards. It comes with three variants – Classic, Supreme, and Elite. Each plan is beneficial and comes with many advantages.

Royal Sundaram Lifeline Classic Health Insurance:

It is a holistic health insurance plan that is offered on both an individual and family floater basis to safeguard you and your family. It comes with a bundle of benefits at an affordable premium rate.

Eligibility Criteria:

Key benefits of the plan:

• Under this plan, domiciliary hospitalization, organ donor, inpatient, and all daycare procedures expenses are covered up to the sum insured.
• If you have taken AYUSH treatments from a government hospital, then the expenses are covered up to the sum insured. But in the case of other hospitals, the cover is up to Rs. 20,000.
• If you need to take a vaccine in case of an animal bite, the policy takes care of the expenses up to Rs. 2500.
• You can avail yourself of free health check-up facility once every 3rd policy year if the policy continues without any break.
• Apart from the basic cover, you can also avail of optional benefits like Hospital Cash facility for 30 days in case of hospitalization beyond 2 days, subject to Rs. 1000 per day.

Royal Sundaram Lifeline Supreme/Supreme Plus Health Insurance:

This type of lifeline plan offers a comprehensive benefit for the individual and to the family that comes with a wide array of benefits including health & wellness benefits, Annual Health Check-up, Second Opinion for Critical Illness, and many more.

Eligibility Criteria:

Key highlights of the plan:

• For emergency transportation from one hospital to another, the road ambulance expenses are covered up to Rs. 5000 per event.
• No claim bonus facility is available under this policy that is 20% of Base Sum Insured, subject to a maximum limit of 100% of the sum insured.
• Under this policy, a second opinion for 11 pre-specified critical illnesses is available once during a policy year.
• One can avail of the benefit of emergency domestic evacuation on the advice of the treating doctor up to a maximum limit of 1 lakh.
• Under Supreme Plus policy one can get in-patient PED cover for life-threatening conditions up to Rs. 1 lakh.
• The Supreme Plus plan also covers the expenses for mobility devices such as wheelchairs, crutches, etc. up to 5% of the sum insured or Rs. 50,000, whichever is less.

Royal Sundaram Lifeline Elite/Elite Plus Health Insurance:

This plan is suitable for those who like to travel the world and side by side also choose to keep health insurance as this policy offers extensive health covers and facilities in India as well as abroad. The plan comes with a wide range of benefits including maternity benefits, critical illnesses benefit, worldwide treatments, and many more.

Eligibility Criteria:

Key highlights of the plan:

• Maternity cover up to two deliveries is provided that is subject to the company’s terms and conditions.
• This policy provides coverage for OPD treatment up to Rs. 10,000.
• Worldwide emergency hospitalization cover except for the US and Canada is available with this plan that is 50% of the Base Sum Insured and subject to a maximum limit of Rs.20lakhs. in this scenario, the deductible of $1,000 per hospitalization is applicable.
• One can also avail of international treatment cover overseas for pre-specified 11 critical illnesses excluding US and Canada that is covered up to sum insured and the return airfare cover is available up to Rs.3 lakhs.
• Under the Elite Plus category, In-Vitro Fertilization (IVF) treatment expenses are covered up to Rs. 2,50,000 after the waiting period of 4 years.
• As a part of road ambulance cover for emergency transportation from one hospital to another app-based cab, the facility is available up to Rs. 10,000 under the Elite Plus category.