Royal Sundaram Lifeline Elite Plan

Product Overview

Royal Sundaram Life Line Elite Health Plan is a comprehensive plan for globe trotters seeking health insurance coverage in India as well as abroad. The plan offers wide range of benefits covering critical illnesses, international treatment, maternity expenses (covers up to 2 deliveries if both husband and wife are covered under the same family floater policy), severe medical conditions and accidents.

Unique Features of Royal Sundaram Lifeline Elite Plan

• Auto Restore of Sum Insured, applicable for different illnesses
• Worldwide Emergency Covered/International Treatment for 11 specified Critical Illness, including return airfare
• Annual Health Check ups/OPD Treatment Covered
• Maternity benefits /No Claim bonus 20% to 100% of Sum Insured
• Annual Health check up and other Wellness benefits
• Pre Existing Disease Cover after 2 years

Critical features of Royal Sundaram Lifeline Elite Plan

• Room rent:
  Limits imposed towards room and ICU rent expenses
  No room rent Capping
• Co-Pay:
  Specific % of admissible claim amount to be borne by Insured
  20% co-payment for International Treatment for 11 specified Critical Illness
• 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
  20% of basic sum insured up to a maximum of 100% for each unclaimed year in case opted for (The cumulative bonus will not reduce 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

1. This Plan has a waiting period of 2 years for pre-existing diseases
2. Maternity has a waiting period of 3 years

Eligibility Criteria

• Minimum Age of Entry:- Children-91 days to 25 years/Adults-18 years
• Maximum age of Entry:- No Limit
• Renewal Age:- Life Long Renewal
• Sum Insured:- 25 / 30 / 50 / 100 / 150 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.
• Inclusion of US and Canada for Worldwide Emergency Hospitalization and International Treatment for 11 specified Critical Illness.
  International Treatment for 11 specified Critical Illness
  Cancer of Specified Severity, First Heart Attack-of Specified Severity, Open Chest CABG, Open Heart Replacement or Repair of Heart Valves, Coma of Specified Severity, Kidney Failure Requiring Regular Dialysis, Stroke Resulting in Permanent Symptoms, Major Organ/Bone Marrow Transplant , Permanent Paralysis of Limbs,  Motor Neurone Disease with Permanent Symptoms, . Multiple Sclerosis with Persisting Symptoms.

Additional discounts

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

 

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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