Royal Sundaram Lifeline Health Plan

What is the Plan all About?

Lifeline Health Insurance Plan covers the health insurance needs of your & your family. Under this plan, you can cover yourself, your spouse and children. This plan offers flexible health cover ranging from Rs 2 lacs to Rs. 1.5 crore.

This Plan offers 3 Plan Variants which are:

Lifeline Classic
Lifeline Supreme
Lifeline Elite

Key Features

Health Coverage up to Rs. 1.5 crore
Choose from 3 plan variants as per your medical needs
100% restoration of sum insured at no additional cost
Double your sum insured in 5 claim free years as NCB benefit
Covers Alternative Treatment such as Ayush treatment
Worldwide emergency hospitalization up to Rs. 20 lacs

Policy Benefits

Inpatient care with minimum hospitalization of 24 hours is covered up to sum insured opted under this plan.
Pre hospitalization expenses are covered for a maximum of 60 days before hospitalization and Post hospitalization expenses are covered for maximum of 180 days after hospitalization.
All Day care procedures that require hospitalization for less than 24 hours are covered up to sum insured.
Organ Donor benefit covers the organ donor's medical expenses during transplant surgery. Organ Donor expenses are covered up to sum insured.
Domiciliary Hospitalization is covered up to sum insured available under this plan.
Hospital daily cash is available for 30 days of hospitalization after 2 days of hospitalization.It is an optional benefit.
Maternity Benefits are covered for up to 2 deliveries and is applicable only for Elite Plan.
Outpatient benefits are available only for Elite Plan and is covered for up to Rs. 10,000

Value Added Benefits

No Claim Bonus is available for up to 20% of base sum insured upto a max of 100% of sum insured.
Under this plan, reload of entire Sum Insured is available at no additional cost.
Annual Health Check Up for all insured, when opted lifeline supreme & elite plan. For lifeline classic plan, annual health check up once in 2 years.
When opted for lifeline supreme & elite plan, Second Opinion for 11 specified Critical Illness are available once during the policy year.
Alternative Treatment/Ayurvedic Treatment is covered.
Worldwide Emergency Hospitalization is covered in the lifeline elite plan.
Covers Vaccination in case of animal byte in Lifeline classic and Supreme plan.
Tax Benefit under section 80D of Income Tax Act, 1961.

Sub Limits

20% co pay applies for specific treatments mentioned in the policy.
Maternity Benefits payable upto sum Insured up to 50 lacs, you can avail maternity benefit of Rs 2 lacs and for sum insured more than 50 lacs, maternity benefit of Rs 2.5 lacs is covered.
Ambulance Charges are covered up to a maximum of Rs. 10,000.
Alternative Treatment/Ayurvedic Treatment is covered up to a maximum of Rs.50, 000.

Waiting Period Clause

Initial Waiting Period: Any diseases contracted during first 30 days of the commencement of the policy, except those arising from accidents.
Pre existing Disease Waiting Period: Any pre-existing illness/injury that was diagnosed /acquired within 48 months, 36 months, & 24 months for Classic, Supreme, & Elite plans respectively, prior to issuance of the first policy.
Specific Waiting Period: 17 specific diseases/conditions are covered after 2 consecutive policy years.
Maternity Waiting Period: For maternity benefit, there is a waiting period of 36 months.

Who can Buy the Plan?

Factor	Minimum	Maximum
Age (as on last birthday)	91 Days For Dependent Children, 18 Years For Adults	25 Years For Dependent Children, No Limit For Adults
Sum Assured	2 Lacs	1.5 Crore
Cover Type	Individual/Family Floater	-
Policy Tenure	1 Year	3 Years
Grace Period	30	-
Free Look Period	15 Days	-
Riders	Emergency Hospitalization And Treatment In USA And Canada	-