Royal Sundaram Lifeline Health Insurance Plan

Royal Sundaram Lifeline Health Insurance Plan

Overview

Highlights For

Lifeline Classic

Restore Benefit

Room Rent

Vaccination in case of Animal Bite

Hospital Cash

product highlights for Lifeline Classic

Features

Sub-limits

Pre-Hospitalisation : 30 days

The amount of expenses incurred during this period prior to hospitalisation such as diagnostic tests, doctor fees, medicines, etc. for investigiation purpose are also payable by the insurer

Post Hospitalisation : 60 days

The amount of expenses incurred during this period after discharge from hospitalisation for the purpose of recovery such as follow-up tests, doctor fees, medicines, etc. are also payable by the insurer

Pre existing Disease cover : Pre-existing diseases covered after 48 months of renewal.

Coverage for all Pre-Existing Diseases covered after a certain specified waiting period with continuous renewal.

Waiting Period- Initial : 30 days for all illnesses except any accidents. 90 days initial waiting period for Critical illness

No claims are accepted within this period except due to accidents/ injury.

Waiting Period- Specific : 24 months

Listed specific illness

Waiting Period- PED : 48 months

No pre-existing ailment related claims are accepted within this period.

Room Rent : Upto Sum Insured

Room rent for in-patient hospitalisation

ICU Charges : Upto Sum Insured

Charges for ICU hospitalisation

Co pay : No

% of the claim that the policyholder needs to pay out-of-pocket

Restore Benefit/ Recharge/ Refill : 100% Reload of Upto Sum Insuredduring the treatment of different illnesses in the event of complete exhaustion of Upto Sum Insured& NCB

If the sum insured is exhausted due to hospitalisation expenses of one or more members, there is an automatic restoration of the sum insured for related or unrelated ailments.

Health Check up : Available once every 3rd policy year

Free annual health check-up for all insured members according to the list of tests specfied in the policy document.

No Claim Bonus : 10% of Base Upto Sum Insuredupto a max of 50% Based on the plans

% of the sum insured that rises every claim free year.

Video/telephone consultation : No

E-consultation with expert doctors empanelled with the insurer for a second opinion.

Domiciliary hospitalization : Upto Sum Insured

Home care treatment where there are no beds in the hospital or paitient is not in a condition to be moved to the hospital, This treatment is provided under the supervision of a registered medical practitioner.

Ambulance : Up to Rs.3,000

Transportation of the patient to the hospital and back home

Convalescence benefit : Hospital Cash (for 30 days in case of hospitalisation beyond 2 days) ₹1,000/day

A specific fixed amount of money paid as a recovery benefit for extended hospitalisation.

Organ Donor : Upto Sum Insured

The costs for a surgical procedure of removal or damaged organ from the patient's body which could otherwise be fatal.

Bariatric cover : No

Expenses related to obesity-related conditions such as high BP, sleep apnea, arthiritis asthma, etc.

Daycare : Upto Sum Insured

Covers in-patient hospitalisation expenses where the stay is <24 hours under a specified list of treatments

AYUSH : Government Hospitals - Upto Sum Insured; Other Hospitals - Covered upto Rs.20,000

Alternative treatment coverage such as ayurvedic, unani, sidha and homeopathy which leads to hospitalisation.

Congenital Coverage : No

Covers medical expenses related to diagnosis and treatment of heriditary and internal congenital ailments/ conditions/ traits that exist from birth.

Modern Treatments : Covered upto 50% of Sum insured

All advanced treatment with upgrade in technology.

Health Management/ Wellness : Yes

Benefits provided for staying fit and managing health

Maternity Benefit : No

All expenses related to childbirth or legal medical termination of pregnancy, usually upto a specified limit.