Insurance Plans 301 views February 20, 2020

Royal Sundaram Lifeline Health Plans

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.

Health Insurance

Please fill the details below and our policy experts will call you to help figure out the correct health insurance policy for your needs

+91

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.

The plan comes in 3 distinct variants namely:

  1. Royal Sundaram Lifeline Classic
  2. Royal Sundaram Lifeline Supreme
  3. Royal Sundaram Lifeline Elite

Eligibility Criteria of Royal Sundaram Lifeline Health Insurance Plan

ParticularsDetails
Age CriteriaAdults: 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 Tenure1 year / 2 year and 3 years
Discount7.5% discount or 12% discount on premium by choosing policy tenure as 2 years or 3 year
Policy TypeIndividual Plan and Family Floater Plan
Zonal PricingYes
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

  1. No room rent capping or sublimit
  2. Reloading of Sum Insurance
  3. Covers vaccination expenses in the event of animal bite
  4. Coverage of all Daycare procedures
  5. Ayush treatment

Let us understand the key benefits offered under the various varaints of the plan

ParticularsLifeline ClassicLifeline SupremeLifeline Elite
Sum InsuredRs 2 Lakhs, Rs 3 Lakhs, or Rs 4 LakhsRs 5 Lakhs, Rs 10 Lakhs, Rs 15 Lakhs, Rs 20 Lakhs, Rs 50 LakhsRs 25 Lakhs, Rs 30 Lakhs, Rs 50 Lakhs, Rs 100 Lakhs, Rs 150 Lakhs
Inpatient CareUp to Sum InsuredUp to Sum InsuredUp to Sum Insured
Pre-hospitalization and Post Hospitalization Expenses and Number of DaysUp 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 ProceduresUp to Sum InsuredUp to Sum InsuredUp to Sum Insured
Ambulance CoverMax up to 3000 Rs.Max up to 5000 Rs.Max up to 10000 Rs
Organ Donation ExpensesUp to Sum InsuredUp to Sum InsuredUp to Sum Insured
Domiciliary HospitalizationUp to Sum InsuredUp to Sum InsuredUp to Sum Insured
No Claim BonusMinimum 10 per cent of Sum Insured Maximum 50 per cent of Sum InsuredMinimum 20 per cent of Sum Insured Maximum 100 per cent of Sum InsuredMinimum 20 per cent of Sum Insured Maximum 100 per cent of Sum Insured
Reload of Sum InsuredYes, Up to Sum InsuredYes, Up to Sum InsuredYes, Up to Sum Insured
Ayush TreatmentUp to Sum Insured at government hospitals, up to Rs 20000 in other hospitalsUp to Sum Insured at government hospitals, up to Rs 30000 in other hospitalsUp to Sum Insured at government hospitals, up to Rs 50000 in other hospitals
Vaccination expense in case of Animal BiteUp to Rs 2500Up to Rs 5000Up to Rs 7500
Emergency bed-to-bed Domestic hospitalizationExpenses not coveredExpenses covered up to Rs 1,00,000Expenses covered up to Rs 3,00,000
Emergency Global HospitalizationExpenses not coveredExpenses not coveredMinimum 50% of basic Sum insured, Maximum up to Rs 20 Lakhs
International Treatment (in case of 11 pre-defined critical illness)Expenses not coveredExpenses not coveredExpenses covered up to Sum Insured amount
Annual Health Check-upOnce in every 2 yearsOnce every yearOnce every year
Second OpinionExpenses not coveredOnce in a policy yearOnce in a policy year
OPD CoverExpenses not coveredExpenses not coveredUp to Rs 10000
Maternity CoverExpenses not coveredExpenses not coveredCovered; 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 CoverExpenses not coveredExpenses not covered25 per cent of Sum Insured
Hospital CashRs 1000 per dayRs 2000 per dayRs 5000 per day
Tax BenefitAvailable under Section 80D of the Income Tax ActAvailable under Section 80D of the Income Tax ActAvailable under Section 80D of the Income Tax Act