Royal Sundaram Health Insurance- LifeLine Policy
Updated On Jan 23, 2024
Royal Sundaram is a leading player in the health insurance sector, providing a wide range of robust insurance products with comprehensive health coverage and exclusive advantages. Health insurance plans offered by Royal Sundaram are flexible and affordable. There are plans with different sum assured options to suit specific requirements.
There is no doubt that in India, there is a gamut of insurers offering different healthcare plans. So, the question arises as to why one should go for Royal Sundaram. Royal Sundaram is widely known as one of the top health insurance companies in India. The company offers health products that help in dealing with different types of needs and situations. The company has many positive reviews as compared to its competitors. The plans offered by Royal Sundaram provide extensive coverage and that too at an affordable price.
One such plan offered by the company is Royal Sundaram Lifeline Health Insurance. Lifeline is a holistic plan from Royal Sundaram that provides coverage for all health insurance needs for you and your family.
Table of Contents
- Key features of the Royal Sundaram Health Insurance Plan
- Comparison of Royal Sundaram Lifeline Health Plans
- Medical Conditions That are not Covered Under Lifeline Health Insurance Plans
- Lifeline - Royal Sundaram Health Insurance Claim Procedure
- Here’s the primary difference between Lifeline and Family Plus
Key features of the Royal Sundaram Health Insurance Plan
Check the key features of the Royal Sundaram Lifeline health insurance plan below:
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Lifeline is a holistic plan that is offered as an individual and as a family floater plan.
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An individual above 18 years of age can purchase the plan
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For family floater, an individual, spouse, and up to four dependent children aged between 91 days and 25 years can be covered
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There is no maximum entry age
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The plan comes in three variants, Lifeline Classic, Lifeline Supreme, and Lifeline Elite.
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There is a benefit of a 100% reload of the sum assured at no extra cost
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There are no disease-specific limits or room rent capping
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There is a benefit of a no-claim bonus where the sum assured becomes double in 5 claim free years
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It covers AYUSH treatment as well as vaccination in case of animal bite
Comparison of Royal Sundaram Lifeline Health Plans
Lifeline Classic: It is the most comprehensive plan at an affordable price for you and your family
Lifeline Supreme: It is the plan with coverage benefits of Health & Wellness, Annual Health Checkups, Second Opinion for Critical Illness, and more
Lifeline Elite: It is the exclusive plan with the benefits of the best coverage in India as well as Abroad
|
Features |
Lifeline Classic |
Lifeline Supreme |
Lifeline Elite |
|
Sum insured (SI) |
Rs. 2, 3, 4 Lakh |
Rs. 5, 10, 15, 20, 50 Lakh |
Rs. 25, 30, 50, 100, 150 Lakh |
|
In-patient care |
Covered up to SI |
Covered up to SI |
Covered up to SI |
|
Pre and post hospitalisation expenses |
30 days pre and 60 days post hospitalisation |
60 days pre and 90 days post hospitalisation |
60 days pre and 180 days post hospitalisation |
|
Daycare procedures |
Covered up to SI |
Covered up to SI |
Covered up to SI |
|
Ambulance cover |
Up to Rs. 3000 |
Up to Rs. 5000 |
Up to Rs. 10,000 |
|
Organ donor expenses |
Covered up to SI |
Covered up to SI |
Covered up to SI |
|
Domiciliary hospitalisation |
Covered up to SI |
Covered up to SI |
Covered up to SI |
|
No claim bonus |
10% of SI up to a max of 50% |
20% of SI up to a max of 100% |
20% of SI up to a max of 100% |
|
Re-load of the sum insured |
Up to base SI |
Up to base SI |
Up to base SI |
|
AYUSH treatment |
Government Hospitals - Covered up to SI; Other Hospitals - Covered up to Rs. 20,000 |
Government Hospitals - Covered up to SI; Other Hospitals - Covered up to Rs. 30,000 |
Government Hospitals - Covered up to SI; Other Hospitals - Covered up to Rs. 50,000 |
|
Vaccination in case of animal bite |
Up to Rs. 2500 |
Up to Rs. 5000 |
Up to Rs. 7500 |
|
Emergency domestic evacuation |
Not covered |
Covered up to Rs. 1 Lakh |
Covered up to Rs. 3 Lakh |
|
Worldwide emergency hospitalisation (excluding the US and Canada) |
Not covered |
Not covered |
50% of SI up to a max of Rs. 20 Lakh; Deductible of $1000 per hospitalisation |
|
International treatment abroad, covered for 11 specified critical illnesses (excluding the US and Canada) |
Not covered |
Not covered |
Covered up to SI Return airfare covered up to Rs. 3 Lakh |
|
Health checkup |
Once every 3rd policy year |
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 |
Not covered |
|
Maternity cover (up to 2 deliveries) |
Not covered |
Not covered |
For SI up to Rs. 50 Lakh is Rs. 2 Lakh and for SI > Rs. 50 Lakh is Rs. 2.5 Lakh |
|
Newborn baby cover |
Not covered |
Not covered |
25% of SI |
|
Vaccinations for newborn baby in the first year |
Not covered |
Not covered |
Covered up to Rs. 10,000 |
|
Top-up plan |
Deductible of Rs. 1, 2, 3, 4, 5 and 10 Lakh |
Deductible of Rs. 1, 2, 3, 4, 5 and 10 Lakh |
Not available |
|
Hospital cash (for 30 days in case of hospitalisation beyond 2 days) |
Rs. 1000 per day |
Rs. 2000 per day |
Rs. 5000 per day |
|
Option to include US and Canada for Worldwide emergency hospitalisation and International treatment (11 specified critical illness) |
Not available |
Not available |
Not available |
Medical Conditions That are not Covered Under Lifeline Health Insurance Plans
Check the exclusions under the Royal Sundaram Lifeline health insurance policy below:
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Pre-existing medical conditions are covered after 48 months of uninterrupted policy renewal
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Disease conditions/ailments contracted within the first 30 days of the start of the policy
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Certain diseases such as cataracts, benign prostatic hypertrophy, hip/knee replacement, chronic renal failure/end-stage renal failure, etc. are covered only after two years of continuous renewal of the policy
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There is a permanent exclusion for certain conditions and disorders such as addictive conditions and disorders, adventure or hazardous sports, aging and puberty, congenital conditions, cosmetic surgery, dental/oral treatment, HIV and AIDS, hereditary conditions, obesity, psychiatric and psychosomatic conditions, self-inflicted injuries, sleep disorders, speech disorders, etc. For a complete exclusion list, you can check the brochure at the InsuranceDekho website.
Lifeline - Royal Sundaram Health Insurance Claim Procedure
All claims for benefits, except the 4 mentioned below, are serviced through Paramount Health Services & Insurance TPA Pvt. Ltd.
All claims for 4 benefits - Second Opinion for 11 Critical Illnesses, Emergency Domestic Evacuation, Worldwide Emergency Hospitalisation, and International Treatment for 11 Specified Critical Illnesses will be serviced through Europ Assistance India Pvt. Ltd.
Royal Sundaram Health Insurance Cashless claims
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Cashless facilities are available only in Network Hospitals
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For planned hospitalisation, intimation to TPA is needed 72 hours before hospitalisation
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For emergency hospitalisation, intimation to TPA is needed within 48 hours
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During intimation, the details regarding the name of the insured person, diagnosis, hospital details, treating doctor details, date of hospitalisation, and expected discharge are to be provided
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TPA will check the coverage details, and a cashless authorisation letter will be sent to the hospital within 3 hours of receipt of the proposal. In case of deficiency also, the same will be communicated to the hospital within 3 hours of receipt of the proposal
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Non-medical expenses and expenses not covered under the policy to be paid before discharge
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In case the ailment is not covered, the rejection letter will be sent to the hospital within 2 hours
Royal Sundaram Insurance Reimbursement Claims
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Upon discharge, send the duly filled and signed claim form along with all treatment-related documents to Royal Sundaram within 30 days
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On receipt of all related documents, the company will make the payment for the admissible amount in the name of the insured, along with a settlement letter within 30 days
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If there is any discrepancy in the documents, a deficiency letter will be sent within 7 days of receipt of the proposal
Pre-authorization for cashless claim (Worldwide Emergency Hospitalisation)
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Intimate the Service Provider within 24 hours of hospitalisation
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Service Provider will evaluate the request and call for more information or details if required
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Communication will be sent directly by the service provider of the denial or approval of the request
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If the pre-authorization request is approved, the claim is directly settled with the hospital by the Service Provider. The insured person shall bear any additional costs or expenses
International Treatment (11 specified critical illnesses)
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Intimation to be provided to the Service Provider before the commencement of travel for treatment overseas, requesting pre-authorization for treatment
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Service Provider will evaluate the request and call for more information or details if required
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Service Provider will communicate directly to the hospital and the insured person of the denial or approval of the request
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If the pre-authorization request is approved, the claim is directly settled with the hospital by the Service Provider. The insured person shall bear any additional costs or expenses
So, now you understand that the Lifeline plan offered by Royal Sundaram is a holistic indemnity plan that covers the health insurance needs of yourself and your family. It is offered as an individual and family floater plan. There is another plan offered by Royal Sundaram designed for large families, i.e. Family Plus.
Here’s the primary difference between Lifeline and Family Plus
|
Lifeline |
Family Plus |
|
Lifeline provides coverage for health insurance needs for yourself, your spouse, and your children. It is offered as an individual and family floater plan. |
Family Plus provides coverage for 19 different relations. It is designed especially for large families. |
|
Benefits of 100% reload of sum assured, no room rent capping, AYUSH treatment, doubling of sum assured in 5 no-claim years. |
It includes maternity benefits, reload benefits, no claim bonus, no restriction on entry age, and individual plus family sum assured |
|
Sum assured options range from Rs. 2 Lakh, Rs. 3 Lakh, Rs. 4 Lakh up to Rs. 1.5 Crore. |
Sum assured options are Rs. 2 Lakh, Rs. 3 Lakh, Rs. 5 Lakh, Rs. 10 Lakh, and Rs. 15 Lakh in case of individual and Rs. 3 Lakh, Rs. 4 Lakh, Rs. 5 Lakh, Rs. 15 Lakh, Rs. 20 Lakh and Rs. 25 Lakh in case of family floater |
Factors to consider when buying health insurance online
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When purchasing the policy, consider the family’s requirements, family members, and their age
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The credibility of the insurer must be checked. An insurance company’s experience, financial strength, and service record need to be considered
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Read the policy document carefully to have a clear understanding of the inclusions and exclusions of the plans
To learn more about the Royal Sundaram Lifeline Health Insurance plans, you can either visit the official website of Royal Sundaram or simply contact us at www.insurancedekho.com/health-insurance and let all your health insurance needs be answered at a click.
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