Royal Sundaram Lifeline Health Insurance

Royal Sundaram's Lifeline plan is designed to cater to both your daily healthcare needs and unexpected medical emergencies. Anyone above 18 can purchase it, and it's available as an individual or Family Floater plan, covering you, your spouse, and children. This flexible plan adapts to your preferences, including health check-ups, ambulance charges, animal bite vaccinations, and pre and post-hospitalisation expenses.

The Lifeline Health Insurance Plan comes in three variants – Classic, Supreme, and Elite, offering a broad range of sum-insured options from Rs. 2 Lakh to Rs. 1.5 Crore. Each variant provides unique benefits, allowing you to choose the one that best suits your health coverage requirements.

Royal Sundaram Lifeline Health Insurance At a Glance

Highlights of Royal Sundaram Lifeline Health Insurance are listed in the table below:

Riders Available with Royal Sundaram Lifeline Health Insurance

Below-mentioned are the add-ons or riders available with Lifeline Health insurance plan:

• Hospital Cash: If you choose this optional benefit, Lifeline Classic provides extra financial support by offering hospital cash of up to Rs. 1,000 per day. This means you'll receive this daily amount to help cover additional expenses during your hospital stay.
• Global Emergency Hospitalisation: This feature allows the inclusion of the United States and Canada for emergency hospitalisation worldwide and international treatment for 11 specified critical illnesses. This benefit is accessible only at the initiation of the initial policy and is exclusive to the Elite variant.
• Top-Up Plans: Lifeline Classic also gives you the option to choose top-up plans, providing additional coverage of up to Rs. 4 lakhs. This means you can enhance your existing coverage by opting for this supplementary plan.

Variants of Royal Sundaram Lifeline Health Insurance

Here’s a tabulated representation of different plan variants of Lifeline Health Insurance:

Key Features of Royal Sundaram Lifeline Health Insurance Plan

The following are the key features of the Royal Sundaram Lifeline Health Insurance Plan:

• Affordable Premiums: Lifeline Health insurance plans come with premiums that won't dent your savings, making quality healthcare accessible without affecting your budget.
• Additional Benefits: Access extra perks such as hospital cash and the option to increase your coverage by topping up the sum insured to Rs. 4 lakhs.
• Extensive Network of Hospitals: With over 5000 affiliated network hospitals nationwide, you'll never have to worry about finding a suitable healthcare provider. Their network ensures medical treatment accessibility across India.
• No-Claim Bonus (NCB): With NCB starting at 10% and extending up to 50% of the sum insured, the plan rewards you for not filing claims by offering a bonus that doesn't decrease, even if a claim is filed in a specific year.
• 100% Reload of Sum Insured: Lifeline Classic allows a 100% reload of the sum insured during the treatment of different illnesses when the sum assured and NCB are completely exhausted.

Eligibility Criteria of Royal Sundaram Lifeline Health Insurance Plan

The eligibility criteria for the Royal Sundaram Lifeline Health Insurance plan are as follows:

Benefits of Royal Sundaram Lifeline Health Insurance Plan

This health insurance plan offers the following benefits:

• No Room Rent Capping: You're not limited by any restrictions on room rent. Policyholders have the flexibility to choose the room that best suits their needs without worrying about extra charges.
• No Claim Bonus: You earn a 10% No Claim Bonus for every year without filing a claim, and this bonus can go up to 50% of your sum insured. It's a reward for staying healthy.
• COVID-19 Coverage at Home: Lifeline Health Insurance covers COVID-19 hospitalisation at home. this means that you're protected in case you need treatment while staying in the comfort of your home.
• Cashless Hospitalisation: Enjoy the convenience of cashless hospitalisation, where you don't need to worry about paying upfront for covered medical expenses.
• Emergency Ambulance Cover: The plan includes coverage for emergency ambulance services.
• AYUSH Treatment Inclusion: Alternative treatments like Ayurveda, Yoga, and other traditional methods are covered, providing holistic healthcare options.
• Free Health Check-ups: Lifeline Health Insurance offers free health check-ups at regular intervals, allowing you to monitor your health and detect potential issues early on.
• Family Floater Option: Choose the family floater plans option to cover the health needs of your entire family under a single policy, making it more convenient and cost-effective.

Inclusions of Royal Sundaram Lifeline Health Insurance Plan

Inclusions of the Royal Sundaram Lifeline Health Insurance are mentioned below:

• Inpatient Hospitalisation Expenses: Lifeline Classic covers the costs of staying in the hospital for medical treatment, ensuring that your hospitalisation expenses are taken care of.
• Pre and Post-hospitalisation Expenses: The plan includes coverage for both pre and post-hospitalisation expenses, easing the financial burden by extending coverage for 30 days before and 60 days after hospitalisation, up to the sum insured amount.
• Coverage of All Day Care Procedures: Lifeline Classic provides coverage for all day care procedures, ensuring that the expenses for these treatments are included up to the sum insured amount.
• Ambulance Cover: The plan offers ambulance cover, reimbursing expenses up to Rs.3,000.
• Treatment of Organ Donor: Lifeline Classic covers the expenses related to the treatment of an organ donor, providing financial support up to the sum insured amount.
• Domiciliary Hospitalisation Charges: The plan includes coverage for domiciliary hospitalisation charges, which covers medical expenses for treatment at home up to the sum insured amount.
• AYUSH Treatment: The plan covers AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatments for inpatient hospitalisation in government hospitals and up to Rs.20,000 in other hospitals.
• Coverage for Vaccination in Case of Animal Bite: Lifeline Classic includes coverage for vaccination expenses in case of an animal bite, providing financial support up to Rs.2,500.
• Complete Health Check-up: The plan offers a comprehensive health check-up once every 3rd policy year, allowing you to monitor your health and detect potential issues early on.

Exclusions of Royal Sundaram Lifeline Health Insurance Plan

The exclusions in this plan are as follows:

• Pre-existing Medical Conditions: Health issues that the insured already had when buying the policy will be covered only after 48 months of continuous policy coverage. Any gaps in renewing the policy will make claims void.
• Initial 30-Day Disease Exclusion: Illnesses contracted by the insured person in the first 30 days after starting the policy are not covered under claims.
• Specific Disease Exclusions for First Two Years: Diseases like Cataract, Benign Prostatic Hypertrophy, Knee/Hip Replacement, Chronic Renal Failure/End Stage Renal Failure, etc., will not be covered in the first two years of the insurance.
• Permanent Exclusions: Permanently excluded conditions encompass medical cover related to Addictive Conditions and Disorders, Hereditary Conditions, Mental Health, Obesity, Alternative Treatment (except AYUSH), Adventure or Hazardous Sports, Ageing and Puberty, Artificial Life Maintenance, Congenital Conditions, Cosmetic Surgery, Circumcision, Conflict and Disaster, HIV and AIDS, Preventive Care, Reproductive Medicine, and more. Also, injuries resulting from unlawful activities are not covered.

Documents Required for Royal Sundaram Lifeline Health Insurance Plan

To purchase the Royal Sundaram Lifeline Health Insurance plan, you have to carry the following documents:

• Application form
• Aadhar card
• Passport
• Voter ID
• Driving License
• Birth Certificate
• Provide passport-sized photos
• In some cases, health check-up reports might be needed
• If asked, submit the documents requested by the insurance company

How to Buy Royal Sundaram Lifeline Health Insurance?

To purchase the Royal Sundaram Lifeline Health Insurance Plan, just follow these steps:

Step 1: Start by visiting the InsuranceDekho website.

Step 2: Tap on "Health Insurance" under the "Insurance" tab.

Step 3: Choose "Royal Sundaram" from the list of health insurance companies.

Step 4: Now, select the "Lifeline Health Insurance" plan from the list of plans available.

Step 5: Make sure you read the policy document carefully.

Step 6: Upload the required documents for verification.

Step 7: Complete the online payment for the medical insurance premium.

Step 8: You will receive the policy document via email successfully.

Claim Process for Royal Sundaram Lifeline Health Insurance

You can claim your Royal Sundaram Lifeline Health Insurance policy through two methods:

Cashless Claim

• Visit a hospital partnered with Royal Sundaram.
• Provide all information about your Royal Sundaram Lifeline Health Insurance plan and other necessary details.
• Submit the required documents for claim settlement.
• The insurance company will directly settle the hospital expenses on your behalf.

Reimbursement Claim

• Choose a hospital within Royal Sundaram’s network.
• Pay for your medical bills at the selected hospital.
• Initiate a reimbursement claim on the insurance company's website.
• Fill out the claim form for Royal Sundaram Lifeline Health Insurance accurately and submit the same other necessary documents.