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Health Insurance 774 views February 20, 2020
Health is wealth! Having good health is extremely important. Similarly, being ready to protect yourself and family against medical emergencies must be your primary focus. Health ailments and medical conditions come unannounced, which can create a financial dent on your savings. However, having a Royal Sundaram Lifeline health plans can significantly help you in overcoming financial emergencies as the plan is designed to offer higher coverage along with various healthcare benefits.
The Royal Sundaram Lifeline Health Insurance Plans comes with a wide range of features and benefits. This health insurance plan is one of its kind, let us understand in detail the unique features and benefits offered by the plan.
The Royal Sundaram Lifeline Health Insurance Plan is a complete and comprehensive health insurance product offering extensive medical coverage ranging between Rs 2 lakhs to Rs 1.50 Crore. This plan can be availed for individual and/or as a family floater covering all the members of the family.
Table of Contents
The plan comes in 3 distinct variants namely:
- Royal Sundaram Lifeline Classic
- Royal Sundaram Lifeline Supreme
- Royal Sundaram Lifeline Elite
Eligibility Criteria of Royal Sundaram Lifeline Health Insurance Plan
| Particulars | Details |
|---|---|
| Age Criteria | Adults: Any individual over 18 years of age Children: minimum entry age for dependent children is 91 days old and maximum entry age for dependent children is less than 25 years of age No maximum entry-age. |
| Policy Tenure | 1 year / 2 year and 3 years |
| Discount | 7.5% discount or 12% discount on premium by choosing policy tenure as 2 years or 3 year |
| Policy Type | Individual Plan and Family Floater Plan |
| Zonal Pricing | Yes Zone 1: Delhi, NCR, Mumbai, Pune, Hyderabad, Bengaluru, Kolkata and Gujarat (0% discount on premium amount) Zone 2: Rest of India (15% discount on premium amount) |
Key Benefits of Royal Sundaram Lifeline Health Insurance Plan
- No room rent capping or sublimit
- Reloading of Sum Insurance
- Covers vaccination expenses in the event of animal bite
- Coverage of all Daycare procedures
- Ayush treatment
Let us understand the key benefits offered under the various varaints of the plan
| Particulars | Lifeline Classic | Lifeline Supreme | Lifeline Elite |
|---|---|---|---|
| Sum Insured | Rs 2 Lakhs, Rs 3 Lakhs, or Rs 4 Lakhs | Rs 5 Lakhs, Rs 10 Lakhs, Rs 15 Lakhs, Rs 20 Lakhs, Rs 50 Lakhs | Rs 25 Lakhs, Rs 30 Lakhs, Rs 50 Lakhs, Rs 100 Lakhs, Rs 150 Lakhs |
| Inpatient Care | Up to Sum Insured | Up to Sum Insured | Up to Sum Insured |
| Pre-hospitalization and Post Hospitalization Expenses and Number of Days | Up to Sum Insured (30 days pre-hospitalization, 60 days post-hospitalization) | Up to Sum Insured (60 days pre-hospitalization, 90 days post-hospitalization) | Up to Sum Insured (60 days pre-hospitalization, 180 days post-hospitalization) |
| Day Care Procedures | Up to Sum Insured | Up to Sum Insured | Up to Sum Insured |
| Ambulance Cover | Max up to 3000 Rs. | Max up to 5000 Rs. | Max up to 10000 Rs |
| Organ Donation Expenses | Up to Sum Insured | Up to Sum Insured | Up to Sum Insured |
| Domiciliary Hospitalization | Up to Sum Insured | Up to Sum Insured | Up to Sum Insured |
| No Claim Bonus | Minimum 10 per cent of Sum Insured Maximum 50 per cent of Sum Insured | Minimum 20 per cent of Sum Insured Maximum 100 per cent of Sum Insured | Minimum 20 per cent of Sum Insured Maximum 100 per cent of Sum Insured |
| Reload of Sum Insured | Yes, Up to Sum Insured | Yes, Up to Sum Insured | Yes, Up to Sum Insured |
| Ayush Treatment | Up to Sum Insured at government hospitals, up to Rs 20000 in other hospitals | Up to Sum Insured at government hospitals, up to Rs 30000 in other hospitals | Up to Sum Insured at government hospitals, up to Rs 50000 in other hospitals |
| Vaccination expense in case of Animal Bite | Up to Rs 2500 | Up to Rs 5000 | Up to Rs 7500 |
| Emergency bed-to-bed Domestic hospitalization | Expenses not covered | Expenses covered up to Rs 1,00,000 | Expenses covered up to Rs 3,00,000 |
| Emergency Global Hospitalization | Expenses not covered | Expenses not covered | Minimum 50% of basic Sum insured, Maximum up to Rs 20 Lakhs |
| International Treatment (in case of 11 pre-defined critical illness) | Expenses not covered | Expenses not covered | Expenses covered up to Sum Insured amount |
| Annual Health Check-up | Once in every 2 years | Once every year | Once every year |
| Second Opinion | Expenses not covered | Once in a policy year | Once in a policy year |
| OPD Cover | Expenses not covered | Expenses not covered | Up to Rs 10000 |
| Maternity Cover | Expenses not covered | Expenses not covered | Covered; Rs 2 Lakhs for Sum Insured up to Rs 50 Lakhs Rs 2.50 Lakhs for Sum Insured more than Rs 50 Lakhs |
| New Born Cover | Expenses not covered | Expenses not covered | 25 per cent of Sum Insured |
| Hospital Cash | Rs 1000 per day | Rs 2000 per day | Rs 5000 per day |
| Tax Benefit | Available under Section 80D of the Income Tax Act | Available under Section 80D of the Income Tax Act | Available under Section 80D of the Income Tax Act |