Royal Sundaram Lifeline Health Insurance

If the insured person is hospitalised and is accepted as an in-patient hospitalisation claim, hospital cash amount is paid as specified for each continuous and completed period of 24 hours of hospitalisation. The benefit amount is paid only if the insured person has been hospitalised for a minimum period of 48 hours continuously. The amount is not paid  for more than 30 days of  hospitalisation in total under any policy year.

This benefit provide option to include US and Canada for worldwide emergency hospitalisation and international treatment for 11 specified critical illnesses. The benefit can be availed only at the inception of the first policy and is available only with Elite variant.

When it comes to family, the Lifeline health insurance plan is considered a perfect scheme to opt for. The plan holds a lot of features to offer a holistic coverage to the customers. Some elements in this plan are that is available in almost every other insurance plan such as pre and post hospitalisation expenses, in-patient hospitalisation, an extensive network for cashless hospitalisation, and so on. However, the plan also acquires some unique features as well, which have become its major attractions. Some of them are as follows:

• Worldwide emergency hospitalisation
• The option of the second opinion for 11 critical illnesses  
• Maternity and newborn baby cover up to 2 deliveries
• Availability of 100% reload of the sum insured with no additional cost
• Coverage for hospitalisation related to Ayush treatment
• All daycare expenses are covered up to the sum insured
• Availability of coverage for vaccination in case of animal bite
• Cover up to the sum insured is available for domiciliary hospitalisation

The benefits of the policy are not over yet. It acquires much more than the coverage limits, where the plan helps the policyholders in making profits as well. The additional components of the plan make it affordable and profitable. Here are some other advantages of the plan:

• The option of lifelong renewability is offered
• Tax benefits can be earned under section 80D of the IT Act
• Health check-up is available for once in every 3rd policy year

Considering the coverage and profitable elements of the policy, it can be concluded that the Lifeline Plan by Royal Sundaram is a good plan. It is a reliable and economical health insurance policy which covers almost all the medical needs of yours and your loved ones.

As you are aware of the highlights of the plan, now you need to find the right platform to buy it. The health insurance policies can be purchased online as well as offline, but online is a more preferred platform. On this note, several firms in the market are managing the online platforms among which InsuranceDekho.com is considered the best. The company gives you transparency, detailed information, claim settlement assistance, help in decision making, and much more.

Royal Sundaram’s Lifeline policy will cover the applicant, spouse and up to four dependent children aged between 91 days and 25 years.

There is no restriction on maximum entry age.

Lifeline Classic comes with sum insured options of Rs. 2 Lakh, Rs. 3 Lakh, and Rs. 4 Lakh.

Royal Sundaram’s Lifeline Supreme plan comes with Sum Insured options of Rs. 5 Lakh, Rs. 10 Lakh, Rs. 15 Lakh, Rs. 20 Lakh and Rs. 50 Lakh.

Royal Sundaram’s Lifeline Elite Health Insurance Plan offers comprehensive health cover with Sum Insured options of Rs. 25 Lakh, Rs. 30 Lakh, Rs. 50 Lakh, Rs. 1 Crore and Rs. 1.5 Crore.

Royal Sundaram’s Lifeline Elite Plan provides the following benefits to the policyholders- 1.Inpatient Hospitalisation expenses 2.Pre and Post-hospitalisation expenses amortized up to the amount of sum insured for 30 days and 60 days respectively 3.Coverage of all day care procedures up to the sum insured amount. 4.Ambulance cover up to Rs. 3,000. 5.Expenses for Treatment of Organ Donor covered up to the sum insured. 6.Domiciliary hospitalisation charges covered up to the sum insured. 7.No-claim bonus (NCB) starts from 10% of the sum insured and extends up to 50%. NCB is not reduced, even when a claim is filed during a particular year. 8.100% Reload of sum insured during the treatment of different illnesses in the event of complete exhaustion of sum insured and NCB. 9.AYUSH Treatment - Inpatient hospitalisation cover up to Sum Insured in Government Hospitals and up to Rs. 20,000 in other hospitals. 10.Covers Vaccination in case of animal bite up to Rs. 2,500. 11.Provision of complete health check-up available once every 3rd policy year. 12.Preventive Healthcare and Wellness.

Royal Sundaram’s Lifeline Supreme plan offers the following benefits to the policyholders- 1)In-patient hospitalisation expenses up to Sum Insured. 2)Pre and post-hospitalisation expenses repayment up to the amount of sum insured for 60 and 90 days, respectively. 3)All day-care procedures up to the sum insured amount. 4)Ambulance cover of up to Rs. 5,000. 5)Coverage for the treatment of organ donor up to the amount of sum insured. 6)Domiciliary hospitalisation expenses covered up to the sum insured amount. 7)No-claim bonus (NCB) starts from 20% of the sum insured and extends up to 100%. No reduction in NCB, even when a claim is filed during a particular year. 8)100% Re-load of sum insured in case the total sum insured and NCB is completely exhausted. 9)AYUSH Treatment - Inpatient hospitalisation cover of the amount up to the sum insured in government hospitals and up to Rs. 30,000 in other hospitals. 10)Vaccination in case of animal bite - Expenses up to Rs. 5,000 covered 11)Annual health check-ups for every member more than 18 years old, irrespective of claim. 12)Second opinion for diagnosis and treatment of 11 specified critical illnesses. 13)Emergency domestic evacuation cover of up to Rs. 1 Lakh.

Royal Sundaram’s Lifeline Elite Plan provides the following benefits to the policyholders- I.In-patient Hospitalisation. II.Pre and post-hospitalisation expenses repayment up to sum insured for 60 days and 180 days, respectively. III.Coverage for all types of day care procedures up to the sum insured. IV.Maternity Benefit cover for up to 2 deliveries if both husband and wife are covered under the same family floater policy including New Born Baby Cover and Vaccination for New Born in first year. V.OPD Treatment Cover of up to Rs. 10,000. VI.Emergency Ambulance Cover of up to Rs. 10,000. VII.Organ donor treatment available up to the amount of sum insured. VIII.Domiciliary hospitalisation expenses reimbursed up to the amount of sum insured. IX.No-claim bonus (NCB) starts from 20% of the sum insured and extends up to 100% of the total sum insured. NCB is not deducted, even when a claim is filed during a particular year. X.Provision of re-load of sum insured during treatment of different illnesses in event of complete exhaustion of sum insured and NCB. XI.AYUSH Treatment - In-patient hospitalisation cover up to Sum Insured in Government Hospitals and up to Rs. 50,000 in other hospitals. XII.Vaccination in case of animal bite - Expenses up to Rs. 7,500 covered. XIII.Annual Health Checkups. XIV.Second opinion for diagnosis and treatment of 11 specified critical illnesses. XV.Emergency domestic evacuation cover of up to Rs. 3 Lakh.

Royal Sundaram’s Lifeline plan has three variants, viz Classic, Supreme and Elite. Classic offers NCB of 10% of Base SI up to a max of 50% of SI, Supreme offers NCB of 20% of Base SI up to a max of 100% of SI, and Elite offers 20% of Base SI up to a max of 100% of SI.