Royal Sundaram Lifeline Classic Plan

Product Overview

Royal Sundaram Lifeline Classic Plan is a comprehensive and affordable health plan for you and your family. The plan covers inpatient hospitalization expenses, all day care procedures and offers Preventive healthcare and Wellness benefits.

Unique Features of Royal Sundaram Lifeline Classic Plan

• Re-load of Sum Insured up to base sum insured. Applicable for different illnesses.
• All Day care procedures are Covered upto the sum insured amount.
• Ayush Treatment Covered- Inpatient hospitalization cover up to Sum Insured in Government Hospitals and up to Rs.20,000 in other hospitals
• Expenses for Treatment of Organ Donor covered up to the sum insured.
• Pre Hospitalisation-30 days/Post Hospitalisation-60 days
• No Co-payment

Critical features of Royal Sundaram Lifeline Classic Plan

• Room rent:
  Limits imposed towards room and ICU rent expenses
  No room rent Capping and Disease Specific Limit
• Co-Pay:
  Specific % of admissible claim amount to be borne by Insured
  This plan does not have co-payment clause
• No Claim Bonus:
  Health Insurance policies may offer Cumulative Bonus wherein for every claim free year, the Sum Insured is increased by a certain percentage at the time of renewal
  10% of basic sum insured up to a maximum of 50% for each unclaimed year in case opted for (The cumulative bonus will not reduced once a claim is made)
• Pre-Existing Diseases:
  Means any condition, ailment or injury or related condition(s) for which you had signs or symptoms, and / or were diagnosed, and / or received medical advice/ treatment, within 48 months prior to the first policy issued by the insurer
  The plan has a waiting period of 4 years is case of pre-existing diseases

Eligibility Criteria

• Minimum Age of Entry:- Children-91 days to 25 years/Adults-18 years
• Maximum age of Entry:- 65 years
• Renewal Age:- Life Long Renewal
• Sum Insured:- 2/3/4 Lakhs
• Policy Tenure:- 1, 2 & 3 years
• Premium Calculated on Basis of:- Age, Zone (i.e. sum Insured Choosen)

Add-ons

• Daily Cash (by paying extra premium):
  If the insured is hospitalised for more than 24hrs then a specified amount shall be payable for each completed and continuous period of Hospitalization, provided that
  - The insured should have been hospitalised for more than 24hrs of hospitalization.
  - Max days of hospitalization should not exceed 30 days.
• Top-up Plans:
  An Amount equal to the deductible specified in the schedule of the insurance shall be borne by the Insured Person at the time of claim. 

Additional discounts

• Discount for multi-year polices-5% discount for opting 2 years policy tenure and 10% for 3 yrs tenure

Waiting Period

• Covered from Day 1:
  Accidental Injuries.
• Covered after 30 Days:
  All incidences apart from specified surgeries, Permanent exclusion & Pre-existing diseases (if any)
• Covered after 2 Years:
  Cataract, Stones in biliary and urinary systems, Hernia/Hydrocele, Hysterectomy for any benign disorder, Lumps/ cysts/ nodules/ polyps/ internal tumours, Gastric and Duodenal Ulcers, Surgery on tonsils/ adenoids, Osteoarthrosis/ Arthritis/ Gout/ Rheumatism/ Spondylosis/ Spondylitis/ Intervertebral Disc Prolapse, Fissure/ Fistula/ Haemorrhoid, Sinusitis/ Deviated Nasal Septum/ Tympanoplasty/ Chronic Suppurative Otitis Media, Benign Prostatic Hypertrophy, Knee/Hip Joint replacement, Dilatation and Curettage, Varicose veins, Dysfunctional Uterine Bleeding/ Fibroids/ Prolapse Uterus/ Endometriosis, Diabetes and related complications, Chronic Renal Failure or end stage Renal Failure.

Exclusions

• Tests and treatment relating to infertility and in vitro fertilization.
• Treatment with alternative medicines like acupuncture,acupressure, osteopath, naturopathy, chiropractic, reflexology and aromatherapy
• All expenses related to AIDS and related diseases.
• Use/Abuse of intoxicating drugs or alcohol,any hazardous activities
• War or any act of war, invasion, intentional self-injury or attempted suicide
• Treatment of obesity,,Cosmetic treatments,mental disorders,external congenital diseases
• Personal comfort and convenience items or services
• Treatment arising from or traceable to pregnancy (whether uterine or extra uterine) and childbirth including caesarean section, and/or any treatment related to prenatal and postnatal care.

 

Note: Any claims arising out of or attributable to any of the following is not covered, Please refer policy T & C for a detailed list of exclusions.

Tax Benefits

When you pay the premium for your health insurance policy, you are liable to get a tax rebate under section 80D of the Income Tax Act, 1961.

Claim Process

In case you would like to know about the Claim Process or would like to register a Claim please click the link below

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