Royal Sundaram is the first private general insurance company in India to be registered under IRDAI in 2000. The company offers different types of insurance products, such as retail, group, corporate, and micro health insurance plans. From basic health insurance to comprehensive insurance covers, the company offers plans with varied benefits to suit all kinds of needs. The Lifeline health insurance plans offered by the company provide unparalleled benefits through its three variants.
Elite, Classic and Supreme variants of Lifeline Health Insurance Plan offer several benefits to ensure that your and your family’s healthcare requirements are taken care of.
Royal Sundaram Lifeline Supreme Plan is one of the variants of Lifeline plans offering comprehensive health coverage to its customers. This article presents a detailed explanation of the features and benefits of the plan.
Royal Sundaram Lifeline Supreme Policy is a comprehensive health plan with a substantial cover that provides both health and wellness benefits along with additional covers. Let us have a look at the features of the policy.
| Eligibility Criteria | Adults | Children |
|---|---|---|
In-patient expenses, including medical practitioner's fees, cost of diagnostic tests, medicines, consumables, intravenous fluids, and prosthetics, nursing charges, OT and ICU charges, blood transfusion, and injection administration charges, are covered upto the sum insured.
Pre-hospitalisation expenses are covered for upto 60 days, while post-hospitalisation medical expenses are covered for upto 90 days. Daycare treatments taken as an inpatient in a hospital or daycare centre are covered up to the sum insured. It includes treatments like chemotherapy, radiotherapy, hemodialysis, etc.
Ambulance charges are covered up to ₹ 5000 per hospitalisation.
Organ donor medical expenses are covered up to the base sum insured and include expenses for harvesting of the organ.
Expenses for Domiciliary hospitalisation exceeding 3 days are covered up to the base sum insured. Pr-hospitalisation medical expenses are payable, but post-hospitalisation expenses are not payable.
AYUSH Treatments are covered up to the base sum insured in all government hospitals, while in other hospitals, it is covered up to ₹ 30,000.
Vaccination for animal bites like dog bites, honey bees etc., is covered as OPD treatment for vaccination up to ₹ 5000.
Annual Check-ups for Health are available as per your policy subject to renewability. This benefit is available irrespective of your claim history.
Second medical opinion for 11 critical illnesses is available once in a policy year. The company arranges for a free consultation.
Emergency Evacuation within India is available once in a policy year in case of a medical emergency on the advice of the treating doctor. It is covered up to ₹ 1 lakh.
Preventive Healthcare and Wellness benefits are available to help you maintain your health. It also provides the facility of disease management for selected customers based on their health risk parameters.
A top-up plan on aggregate annual deductible options of ₹ 1 lakh, 2 lakhs, 3 lakhs, 4 lakhs, 5 lakhs, and 10 lakhs is available with a premium discount.
Hospital cash facility, up to ₹ 2000/day, can be availed if the insured is hospitalised for a minimum period of 48 hours continuously subject to a maximum of 30 days of hospitalisation in a policy year.
Supreme Plus Option - This option is available only under the supreme plan and offers the following additional benefits. A facility of app-based cabs can be availed as a part of ambulance cover.
Refresh the sum insured applicable for the same ailment for the same patient within the same policy year. It is a part of the Reload benefit and is available only once during the lifetime of the policy. In the case of a floater policy, it is available to one member only.
In-patient for pre-existing disease in case of life-threatening conditions, payable only in reimbursement mode once in the lifetime of the policy for disclosed pre-existing diseases only. It is available for up to ₹ 1 lakh.
Bariatric surgery is covered for up to ₹ 50,000.
Expenses for mobility devices like walkers, wheelchairs, crutches, splints, plasters etc., are covered in case of disability due to an accident, up to 5% of the sum insured or ₹ 50,000, whichever is less.
Second medical opinion for additional 11 critical illnesses is available once during the policy year.
Addictive conditions and disorders
Alternative treatments
Adventure sports
Ancillary hospital charges
Artificial life maintenance
Congenital conditions
Conflict and disaster
Convalescence and rehabilitation
Dental Treatments
Cosmetic surgery
Drugs and dressings for OPD Treatment
Specified hereditary conditions
Reproductive medicine
Psychiatric and psychonomic conditions
Observation and investigation
Preventive care
Treatments received outside India
Unlawful activity
30 days for any illness except for any accidents
90 days initial waiting period for critical illnesses
36 months waiting period for pre-existing diseases
24 months waiting period for 17 specified illnesses
The premium of Royal Sundaram Health Insurance plans is determined by many factors as given below.
Royal Sundaram Lifeline Supreme Plan assures you a secure future financially as well as medically by covering you against any medical emergency. With its wide coverage, it not only covers your medical expenses but also promotes preventive healthcare measures to maintain your health. If you are looking for holistic health coverage for your family, Royal Sundaram Health Insurance plans are the ones you should consider to match your needs.
