Royal Sundaram Lifeline Supreme Plan

Product Overview

Royal Sundaram Lifeline Supreme Plan is a comprehensive plan that covers in-patient hospitalization charges along with additional healthcare benefits to cover treatment of severe health conditions and/or critical illness. The plan also offers Health and Wellness benefits and even auto restores the sum insured at no extra cost.

Unique Features of Royal Sundaram Lifeline Supreme Plan

• Auto Restore of Sum Insured at no extra cost. Applicable for different illnesses.
• All Day care procedures covered up to the sum insured
• No-claim bonus (NCB) starts from 20% of the sum insured and extends up to 100%. No reduction in NCB, even when a claim is filed during a particular year
• Pre Hospitalisation-60 days/Post Hospitalisation-90 days
• Pre Existing Disease Cover after 3 years
• Health & Wellness benefits, Annual Health Check-up, Second Opinion for Critical Illness available

Features of edit Edit Details

Critical features of Royal Sundaram Lifeline Supreme 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
  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
  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
  This Plan has a waiting period of 3 years for pre-existing diseases

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:- 5 / 10 / 15 / 20 / 50 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 2yr policy and 10% for 3yrs tenure.

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

Know More