Royal Sundaram Lifeline Health Insurance Wordings

Royal Sundaram’s Lifeline Elite Health Insurance Plan offers comprehensive health cover with Sum Insured options of Rs. 25 Lakh, Rs. 30 Lakh, Rs. 50 Lakh, Rs. 1 Crore and Rs. 1.5 Crore.

Royal Sundaram’s Lifeline Elite Plan provides the following benefits to the policyholders- 1.Inpatient Hospitalisation expenses 2.Pre and Post-hospitalisation expenses amortized up to the amount of sum insured for 30 days and 60 days respectively 3.Coverage of all day care procedures up to the sum insured amount. 4.Ambulance cover up to Rs. 3,000. 5.Expenses for Treatment of Organ Donor covered up to the sum insured. 6.Domiciliary hospitalisation charges covered up to the sum insured. 7.No-claim bonus (NCB) starts from 10% of the sum insured and extends up to 50%. NCB is not reduced, even when a claim is filed during a particular year. 8.100% Reload of sum insured during the treatment of different illnesses in the event of complete exhaustion of sum insured and NCB. 9.AYUSH Treatment - Inpatient hospitalisation cover up to Sum Insured in Government Hospitals and up to Rs. 20,000 in other hospitals. 10.Covers Vaccination in case of animal bite up to Rs. 2,500. 11.Provision of complete health check-up available once every 3rd policy year. 12.Preventive Healthcare and Wellness.

Royal Sundaram’s Lifeline Supreme plan offers the following benefits to the policyholders- 1)In-patient hospitalisation expenses up to Sum Insured. 2)Pre and post-hospitalisation expenses repayment up to the amount of sum insured for 60 and 90 days, respectively. 3)All day-care procedures up to the sum insured amount. 4)Ambulance cover of up to Rs. 5,000. 5)Coverage for the treatment of organ donor up to the amount of sum insured. 6)Domiciliary hospitalisation expenses covered up to the sum insured amount. 7)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. 8)100% Re-load of sum insured in case the total sum insured and NCB is completely exhausted. 9)AYUSH Treatment - Inpatient hospitalisation cover of the amount up to the sum insured in government hospitals and up to Rs. 30,000 in other hospitals. 10)Vaccination in case of animal bite - Expenses up to Rs. 5,000 covered 11)Annual health check-ups for every member more than 18 years old, irrespective of claim. 12)Second opinion for diagnosis and treatment of 11 specified critical illnesses. 13)Emergency domestic evacuation cover of up to Rs. 1 Lakh.

Royal Sundaram’s Lifeline Elite Plan provides the following benefits to the policyholders- I.In-patient Hospitalisation. II.Pre and post-hospitalisation expenses repayment up to sum insured for 60 days and 180 days, respectively. III.Coverage for all types of day care procedures up to the sum insured. IV.Maternity Benefit cover for up to 2 deliveries if both husband and wife are covered under the same family floater policy including New Born Baby Cover and Vaccination for New Born in first year. V.OPD Treatment Cover of up to Rs. 10,000. VI.Emergency Ambulance Cover of up to Rs. 10,000. VII.Organ donor treatment available up to the amount of sum insured. VIII.Domiciliary hospitalisation expenses reimbursed up to the amount of sum insured. IX.No-claim bonus (NCB) starts from 20% of the sum insured and extends up to 100% of the total sum insured. NCB is not deducted, even when a claim is filed during a particular year. X.Provision of re-load of sum insured during treatment of different illnesses in event of complete exhaustion of sum insured and NCB. XI.AYUSH Treatment - In-patient hospitalisation cover up to Sum Insured in Government Hospitals and up to Rs. 50,000 in other hospitals. XII.Vaccination in case of animal bite - Expenses up to Rs. 7,500 covered. XIII.Annual Health Checkups. XIV.Second opinion for diagnosis and treatment of 11 specified critical illnesses. XV.Emergency domestic evacuation cover of up to Rs. 3 Lakh.

Royal Sundaram’s Lifeline plan has three variants, viz Classic, Supreme and Elite. Classic offers NCB of 10% of Base SI up to a max of 50% of SI, Supreme offers NCB of 20% of Base SI up to a max of 100% of SI, and Elite offers 20% of Base SI up to a max of 100% of SI.