Royal Sundaram Lifeline Health Insurance – A Holistic Plan

Royal Sundaram is a leading player in the health insurance sector, providing a wide range of robust insurance products with comprehensive health coverage and exclusive advantages. Health insurance plans offered by Royal Sundaram are flexible and affordable. There are plans with different sum assured options to suit specific requirements.

There is no doubt that in India, there is a gamut of insurers offering different healthcare plans. So, the question arises why one should go for Royal Sundaram? Royal Sundaram is widely known as one of the top health insurance companies in India. The company offers health products that help in dealing with different types of needs and situations. The company has many positive reviews as compared to its competitors. The plans offered by Royal Sundaram provide extensive coverage and that too at an affordable price.

One such plan offered by the company is Royal Sundaram Lifeline Health Insurance. Lifeline is a holistic plan from Royal Sundaram that provides coverage for all health insurance needs for you and your family.

Key features of the plan

Lifeline is a holistic plan which is offered as an individual and as a family floater plan.
An individual above 18 years of age can purchase the plan
For family floater, an individual, spouse and up to four dependent children aged between 91 days and 25 years can be covered
There is no maximum entry age
The plan comes in three variants, Lifeline Classic, Lifeline Supreme and Lifeline Elite.
There is a benefit of 100% reload of sum assured at no extra cost
There is no disease-specific limits or room rent capping
There is a benefit of no-claim bonus where the sum assured becomes double in 5 claim free years
It covers AYUSH treatment as well as vaccination in case of animal bite

Here’s a detailed comparison of Royal Sundaram Lifeline Health Plans

Lifeline Classic: It is the most comprehensive plan at an affordable price for you and your family

Lifeline Supreme: It is the plan with coverage benefits of Health & Wellness, Annual Health Checkup, Second Opinion for Critical Illness, and more

Lifeline Elite: It is the exclusive plan with benefits of the best coverage in India as well as Abroad

Features	Lifeline Classic	Lifeline Supreme	Lifeline Elite
Sum insured (SI)	Rs. 2, 3, 4 Lakh	Rs. 5, 10, 15, 20, 50 Lakh	Rs. 25, 30, 50, 100, 150 Lakh
In-patient care	Covered up to SI	Covered up to SI	Covered up to SI
Pre and post hospitalisation expenses	30 days pre and 60 days post hospitalisation	60 days pre and 90 days post hospitalisation	60 days pre and 180 days post hospitalisation
Daycare procedures	Covered up to SI	Covered up to SI	Covered up to SI
Ambulance cover	Up to Rs. 3000	Up to Rs. 5000	Up to Rs. 10,000
Organ donor expenses	Covered up to SI	Covered up to SI	Covered up to SI
Domiciliary hospitalisation	Covered up to SI	Covered up to SI	Covered up to SI
No claim bonus	10% of SI up to a max of 50%	20% of SI up to a max of 100%	20% of SI up to a max of 100%
Re-load of the sum insured	Up to base SI	Up to base SI	Up to base SI
AYUSH treatment	Government Hospitals – Covered up to SI; Other Hospitals – Covered up to Rs. 20,000	Government Hospitals – Covered up to SI; Other Hospitals – Covered up to Rs. 30,000	Government Hospitals – Covered up to SI; Other Hospitals – Covered up to Rs. 50,000
Vaccination in case of animal bite	Up to Rs. 2500	Up to Rs. 5000	Up to Rs. 7500
Emergency domestic evacuation	Not covered	Covered up to Rs. 1 Lakh	Covered up to Rs. 3 Lakh
Worldwide emergency hospitalisation (excluding the US and Canada)	Not covered	Not covered	50% of SI up to a max of Rs. 20 Lakh; Deductible of $1000 per hospitalisation
International treatment abroad, covered for 11 specified critical illnesses (excluding the US and Canada)	Not covered	Not covered	Covered up to SI Return airfare covered up to Rs. 3 Lakh
Health checkup	Once every 3rd policy year	Annual	Annual
Preventive healthcare & wellness	Available	Available	Available
Second opinion (for 11 specified critical illness)	Not covered	Available once during the policy year	Available once during the policy year
OPD treatment	Not covered	Not covered	Not covered
Maternity cover (up to 2 deliveries)	Not covered	Not covered	For SI up to Rs. 50 Lakh is Rs. 2 Lakh and for SI > Rs. 50 Lakh is Rs. 2.5 Lakh
Newborn baby cover	Not covered	Not covered	25% of SI
Vaccinations for newborn baby in the first year	Not covered	Not covered	Covered up to Rs. 10,000
Top-up plan	Deductible of Rs. 1, 2, 3, 4, 5 and 10 Lakh	Deductible of Rs. 1, 2, 3, 4, 5 and 10 Lakh	Not available
Hospital cash (for 30 days in case of hospitalisation beyond 2 days)	Rs. 1000 per day	Rs. 2000 per day	Rs. 5000 per day
Option to include US and Canada for Worldwide emergency hospitalisation and International treatment (11 specified critical illness)	Not available	Not available	Not available

However, certain medical conditions are not covered under Lifeline Health Insurance Plans. Here’s the list:

Pre-existing medical conditions are covered after 48 months of uninterrupted policy renewal
Disease conditions/ailments contracted within the first 30 days of the start of the policy
Certain diseases such as cataract, benign prostatic hypertrophy, hip/knee replacement, chronic renal failure/end-stage renal failure, etc. are covered only after two years of continuous renewal of the policy
There is permanent exclusion for certain conditions and disorders such as addictive conditions and disorders, adventure or hazardous sports, ageing and puberty, congenital conditions, cosmetic surgery, dental/oral treatment, HIV and AIDS, hereditary conditions, obesity, psychiatric and psychosomatic conditions, self-inflicted injuries, sleep disorders, speech disorders, etc. For complete exclusion list, you can check the brochure at the InsuranceDekho website.

Lifeline – Claim Procedure

All claims for benefits, except the 4 mentioned below, are serviced through Paramount Health Services & Insurance TPA Pvt. Ltd.

All claims for 4 benefits – Second Opinion for 11 Critical Illness, Emergency Domestic Evacuation, Worldwide Emergency Hospitalisation, International Treatment for 11 Specified Critical Illness will be serviced through Europ Assistance India Pvt. Ltd.

Cashless claims:

Cashless facility is available only in Network Hospitals
For planned hospitalisation, intimation to TPA is needed 72 hours before hospitalisation
For emergency hospitalisation, intimation to TPA is needed within 48 hours
During intimation, the details regarding name of the insured person, diagnosis, hospital details, treating doctor details, date of hospitalisation, expected discharge are to be provided
TPA will check the coverage details, and a cashless authorisation letter will be sent to the hospital within 3 hours of receipt of the proposal. In case of deficiency also, the same will be communicated to the hospital within 3 hours of receipt of the proposal
Non-medical expenses and expenses not covered under the policy to be paid before discharge
In case the ailment is not covered, the rejection letter will be sent to the hospital within 2 hours

Reimbursement claims:

Upon discharge, send the duly filled and signed claim form along with all treatment-related documents to Royal Sundaram within 30 days
On receipt of all related documents, the company will make the payment for the admissible amount in the name of the insured, along with a settlement letter within 30 days
If there is any discrepancy in the documents, a deficiency letter will be sent within 7 days of receipt of the proposal

Pre-authorization for cashless claim (Worldwide Emergency Hospitalisation)

Intimate the Service Provider within 24 hours of hospitalisation
Service Provider will evaluate the request and call for more information or details if required
Communication will be sent directly by the service provider of the denial or approval of the request
If the pre-authorization request is approved, the claim is directly settled with the hospital by the Service Provider. The insured person shall bear any additional costs or expenses

International Treatment (11 specified critical illnesses)

Intimation to be provided to Service Provider before the commencement of travel for treatment overseas, requesting pre-authorization for treatment
Service Provider will evaluate the request and call for more information or details if required
Service Provider will communicate directly to the hospital and the insured person of the denial or approval of the request
If the pre-authorization request is approved, the claim is directly settled with the hospital by the Service Provider. The insured person shall bear any additional costs or expenses

So, now you understand that the Lifeline plan offered by Royal Sundaram is a holistic indemnity plan that covers health insurance needs of yourself and your family. It is offered as an individual and family floater plan. There is another plan offered by Royal Sundaram designed for large families, i.e. Family Plus.

Here’s the primary difference between Lifeline and Family Plus

Lifeline	Family Plus
Lifeline provides coverage for health insurance needs for yourself, your spouse and children. It is offered as an individual and family floater plan.	Family plus provides coverage for 19 different relations. It is designed especially for large families.
Benefits of 100% reload of sum assured, no room rent capping, AYUSH treatment, doubling of sum assured in 5 no-claim years.	It includes maternity benefits, reload benefit, no claim bonus, no restriction on entry age and individual plus family sum assured
Sum assured options range from Rs. 2 Lakh, Rs. 3 Lakh, Rs. 4 Lakh up to Rs. 1.5 Crore.	Sum assured options are Rs. 2 Lakh, Rs. 3 Lakh, Rs. 5 Lakh, Rs. 10 Lakh, and Rs. 15 Lakh in case of individual and Rs. 3 Lakh, Rs. 4 Lakh, Rs. 5 Lakh, Rs. 15 Lakh, Rs. 20 Lakh and Rs. 25 Lakh in case of family floater

Factors to consider when buying health insurance online

When purchasing the policy, consider family’s requirements, family members and their age
The credibility of the insurer must be checked. An insurance company’s experience, financial strength, and service record need to be considered
Read the policy document carefully to have a clear understanding of the inclusions and exclusions of the plans

To know more about the Royal Sundaram Lifeline Health Insurance plans, you can either visit the official website of Royal Sundaram or simply contact us at www.insurancedekho.com/health-insurance and let all your health insurance needs be answered at a click.

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