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Health Insurance Plans

Lifeline

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Lifeline is a holistic indemnity plan from Royal Sundaram that covers the health insurance needs of you and your family.

Any individual above 18 years of age can purchase Lifeline. Lifeline is offered as an Individual plan and as a Family Floater plan for yourself, your spouse and children.

To help you avail the best medical attention, Lifeline comes in three key variants:
 
  • Lifeline Classic
  • Lifeline Supreme
  • Lifeline Elite

These plans offer extensive cover starting from Rs. 2 Lacs and extending up to Rs. 1.5 Crore.
 

Who can be covered?

  • Any person who is more than 18 years of age can be the proposer of the plan.
  • Policy will cover the applicant, spouse, and up to four dependent children aged between 91 days and 25 years.
  • There is no restriction on maximum entry age.  
     
Health Insurance Plan - Lifeline
Sum Insured (SI) in Rs.
Classic Supreme Elite
2,3,4 lacs 5,10,15,20,50 lacs 25,30,50,100,150 lacs
Baseline cover benefits
Inpatient Care Covered up to SI Covered up to SI Covered up to SI
Pre and post hospitalization expenses
30/60 days, Covered upto SI
60/90 days, Covered upto SI
60/180 days, Covered upto SI
All Day care procedures
Covered up to SI
Covered up to SI
Covered up to SI
Ambulance Cover
Up to Rs.3,000
Up to Rs.5,000
Up to Rs.10,000
Organ Donor Expenses
Covered upto SI
Covered upto SI
Covered upto SI
Other Benefits
Domiciliary Hospitalization
Covered upto SI
Covered upto SI
Covered upto SI
No Claim Bonus
10% of Base SI upto a max of 50% of SI
20% of Base SI upto a max of 100% of SI
20% of Base SI upto a max of 100% of SI
Re-load of Sum Insured
Upto Base SI
Upto Base SI
Upto Base SI
Ayush Treatment
Government Hospitals - Covered upto SI; Other Hospitals - Covered upto Rs.20,000
Government Hospitals - Covered upto SI; Other Hospitals - Covered upto Rs.30,000
Government Hospitals - Covered upto SI; Other Hospitals - Covered upto Rs.50,000
Vaccination in case of Animal Bite
Upto Rs.2,500
Upto Rs.5,000
Upto Rs.7,500
Emergency Domestic Evacuation (Bed to Bed on advise of treating doctor)
Not Covered
Covered upto Rs.1lac
Covered upto Rs.3lacs
Worldwide Emergency Hospitalization
Not Covered
Not Covered
50% of Base SI upto max of Rs.20lacs; Deductible of $1,000 per hospitalization
International Treatment abroad for specified 11 critical illnesses
Not Covered
Not Covered
Covered upto SI Return Airfare covered upto Rs.3 lac
Health & Wellness Benefits
Health Check-up
Available 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
Upto Rs.10,000
Maternity Benefits
Maternity cover for up to 2 deliveries
Not Covered
Not Covered
For SI upto Rs.50lacs - Rs.2lacs
For SI > Rs.50lacs - Rs.2.5lacs
New Born Baby Cover
Not Covered
Not Covered
25% of SI
Vaccinations for new born baby in the first year
Not Covered
Not Covered
Covered upto 10,000
Optional Benefits
Top-up plan on annual aggregate basis
Deductible of Rs.1,2,3,4,5 and 10 lacs
Deductible of Rs.1,2,3,4,5 and 10lacs
Not Available
Hosptial Cash (for 30 days in case of hospitalization beyond 2 days)
Rs.1,000/day
Rs.2,000/day
Rs.5,000/day
Option to inlcude US and Canada for Worldwide Emergency Hospitalization and International Treatment for 11 specified Critical Illness
Not Available
Not Available
Available
 
 
Click here to download the Product Brochure for Lifeline


Questions about Lifeline Insurance Plan? Get your answers here

What are the Key Features of Lifeline Product?

Key design and service features of Lifeline are as mentioned below:
 
  • Wide range of Sum Insured – from Rs.2lacs to Rs.1.5cr
  • No upper age limit for enrolment in policy
  • Provides coverage for International Treatment for 11 specified illnesses upto Sum Insured along with return airfare upto Rs.3lacs
  • No worries in case of any Emergency Hospitalization while you are abroad during business/leisure trip
  • Access best class healthcare facilities with no capping in terms of Room Rent, disease specific sublimits, etc
  • Reload of Sum Insured – In case customer has utilized the entire sum insured, then sum insured will be automatically reloaded at no extra cost which can be used for different illness
  • Maternity Benefit including cover for New Born Baby and vaccination for new born baby
  • OPD Treatment covering the expenses incurred on doctor’s consultation, medicines, diagnostic tests, etc
  • Accelerated No Claim Bonus which helps in doubling your Sum Insured in 5 claim free year period (Supreme & Elite). In Classic, your sum insured will increase by 50%
  • Coverage not limited only to Allopathic treatment. You can also take treatment under Ayurveda, Homeopathy in case of hospitalization
  • Health check-up for insured members – irrespective of claims history
  • Health & Wellness benefits to proactively manage your health. Avail exciting offers across various services at our preferred network along with communication on latest health topics
  • Covers all day care procedures so that customer need not to worry if something is covered or not
  • Domestic Evacuation in case of emergency
  • Second Opinion for 11 specified Critical Illness
  • Cashless hospitalization across 3500+ network hospitals across India
  • Easy documentation and hassle free claim settlement
  • One sum insured covering all family members
  • Zonal Pricing depending upon the location of your stay. Pay less if you do not stay in Metro Cities and Gujarat State
  • Specified Network Hospitalization – You can further reduce your premium in certain geographies subject to specific condition
  • Hospital Cash Benefit to take care of miscellaneous expenses incurred during hospitalization
  • Top-up Plan to enhance your coverage. Choose the deductible on annual aggregate basis rather than per claim basis
Which all Plans are available under Lifeline?

Lifeline offers 3 different plans - Classic, Supreme and Elite. Sum Insured offered under these plans is as mentioned below:
 
  • Classic - Rs.2lacs, Rs.3lacs, Rs.4lacs
  • Supreme - Rs.5lacs, Rs.10lacs, Rs.15lacs, Rs.50lacs
  • Elite - Rs.25lacs, Rs.30lacs, Rs.50lacs, Rs.100lacs, Rs.150lacs

While Classic Plan offers similar benefits like other health insurance plans available in market, Supreme and Elite offer much more comprehensive coverages like Second Opinion for Critical Illness, International Treatment for 11 Critical Illness, Wordlwide Emergency Hospitalization, etc to provide a very comprehensive coverage to customer
Is Maternity benefit covered under Lifeline?

Maternity Benefit is covered in Lifeline in Elite Plan. It covers the expenses related to Maternity and also covers the New Born Baby till the next renewal. It also covers the vaccination for the new born baby in the first year. Maternity benefit is payable only when Husband and Wife both are covered under the policy after a continuous coverage of 3 years. Maternity Benefit can be claimed maximum upto 2 times.
Is OPD benefit covered under Lifeline?

OPD Treatment is covered in Lifeline in Elite Plan. OPD Treatment covers the consultation, diagnostic fees, medicines,etc. It also cover the expenses incurred on Dental OPD Treatment, Cost of Spectacles, Contact Lenses and Hearing Aids once in 2 years with a sublimit of 30% of OPD Treatment.
What is International Treatment for 11 critical illnesses in Lifeline?

If the customer is diagnosed with any of the 11 critical illnesses, customer can avail the treatment in any hospital of his choice across the world. The policy will cover the expenses incurred on the hospitalization for the treatment of the critical illness covered. It will also cover the return airfare upto Rs.3lacs of the insured person. This benefit is available on cashless basis only. Customer need to obtain a pre authorization from us by submitting the pre auth request along with diagnosis confirmed in India, before the treatment.
What is Worldwide Emergency Hospitalization benefit in Lifeline?

Worldwide Emergency hospitalization covers hospitalization expenses abroad ( out of India) subject to:
 
  • The treatment is Medically Necessary and has been certified as an Emergency by a Medical Practitioner, where such cannot be postponed until the Insured Person has returned to the India
  • Indicative conditions – what could be covered as inpatient – heart attack, stroke, major accident, paralysis, high grade fever, severe stomach ache, bleeding from nose etc
  • 2 yrs Pre-existing diseases waiting period and 2 yrs initial waiting period for 17specified diseases, and 30 day initial waiting period (except accidents) will be applicable in this benefit
  • Expenses payable shall be limited to Inpatient Hospitalization only – incase of small injuries, fractures, burns,  minor bleeding (cut on a finger not covered but if its bleeding from nose it may be covered), etc it is covered as OPD and hence not covered under policy
  • $1,000 deductible per claim
 
Overall liability will be limited to 50% of Sum Insured upto a max of Rs.20 lacs.
As Lifeline covers treatments abroad, will it also substitute for a Overseas travel insurance policy?

Lifeline covers Worldwide Emergency Hospitalization however it does not cover certain other benefits related to travel inconvenience like Passport Loss, Loss of Baggage, etc. Hence, we suggest that if a customer is travelling abroad, they should also take an oversea travel insurance policy as per their travel itinerary.

Lifeline Elite plan is a suitable offering for HNI customers who are frequently travelling or want the best of class treatment across the globe. This plan will help them to get the treatment done across the globe. 
Is Ayush treatment covered in Lifeline?

Yes, Lifeline also provide coverage for Ayush Treatment in case of Inpatient Hospitalization. Please note that OPD treatment undertaken in Ayush is not covered.
What is Organ Donor expenses? What is the sublimit in Lifeline for organ donor?

Organ Donor Expenses covers the expenses incurred on the hospitalization of the organ donor. All inpatient care expenses related to organ donor are covered, provided:
 
  • He fulfils the Transplantation of Human Organs Act,1994 and other applicable laws.
  • The organ donated is used by the insured person.
  • A claim is filed for inpatient care by the insured.

However, any other expenses related to acquisition of donor, related pre- and post-hospitalization expenses, and treatment of associated medical complications will not be covered.

Organ Donor Expenses are covered upto Sum Insured.
Please explain the Reload benefit in Lifeline? Is it same as Restore benefit of Apollo and Recharge benefit of Religare?

If you ever exhaust your health cover due to claims in a given year and there is a further claim either by you for a different illness or your insured family member, we will reload the entire sum insured of your policy at no extra cost. Reloaded sum insured will help you to settle those claims.

Reload of Sum Insured is similar to Recharge benefit of Religare as it is trigerred when the claim amount exceeds the available sum insured including the NCB for a different illness or different person. In Optima Restore, sum insured is restored only when entire sum insured is exhausted (for eg, if the SI is Rs.3lacs, and initial claim was of Rs.2.5lacs, Restore will not be triggered for second claim (of different illness or different person) of Rs.1lac and only Rs.50,000 will be paid. Whereas, Reload will be triggered and entire Rs,1lac will be paid).
What is covered in Pre & Post hospitalization expenses? What is the limit to which its covered?

Pre Hospitalization covers the medical expenses incurred before hospitalization for Diagnostic Test, Medication, etc

Post Hospitalization covers the medical expenses incurred on follow up visit with doctor, medication, further investigative test, etc

Pre & Post Hospitalization expenses are covered upto Sum Insured.
What is Vaccination for Animal bite in Lifeline? Will it cover byte by Honey bees? are medicines & bandage covered under this for treatment?

Vaccination in case of Animal Bite covers the expenses incurred by you to take vaccination in OPD. For eg, in case of Dog Bite, you need to take Rabbies vaccination at regular interval which is an OPD procedure. Lifeline will cover the expenses incurred on vaccination upto the limit against your plan.

It does not cover the medicines, bandages or other expenses incurred while taking the vaccination.
Is Annual health check up available in Lifeline? If Yes, what all test are covered?

Lifeline offers annual health check-up for Supreme & Elite Plan and available once every 3rd policy year in Classic Plan. Health check-up is offered to all the insured above the age of 18 years irrespective of claims status. Please refer to grid below for covered medical test
 
Plan List of Medical Tests
Classic Complete Blood Count, Urine Routine, ESR, Fasting Blood Sugar, ECG, S Cholesterol, SGPT, Creatinine
Supreme Complete Blood Count, Urine Routine, ESR, Fasting Blood Sugar, Lipid Profile, Kidney Function Test,ECG, Complete physical examination be Physician
Elite Complete Blood Count, Urine Routine, ESR, Fasting Blood Sugar, Lipid Profile, Stress Test (TMT) or 2D Echo, Kidney Function Test,Complete physical examination be Physician
 
What is the coverage of ambulance in Lifeline? Does it cover the `Hearse van` expenses, if the insured dies during treatment and hospitalization is otherwise payable?

We will cover the expense incurred on an ambulance offered by a hospital or ambulance service provider for transferring you to the nearest hospital provided we accept the inpatient care claim for the given hospitalization. It is covered upto Rs.3000 in Classic, Rs.5000 in Supreme and Rs.10000 in Elite.

Expenses incurred on Hearse Van is not covered.
What are Prosthetic Implants? Are they covered in Lifeline?

Prosthetic Implants are artificial substitutes for body parts, and materials inserted into tissue for functional, cosmetic, or therapeutic purposes. Prostheses can be functional, as in the case of artificial arms and legs, or cosmetic, as in the case of an artificial eye. Implants, all surgically inserted or grafted into the body, tend to be used therapeutically.

These are covered in Lifeline.
What is 2 yrs waiting period for 17 diseases? what all diseases are not covered in this period?

There are certain conditions for which customer can wait for treatment and does not need immediate medical treatment. Lifeline has 2 years waiting period for 17 conditions as mentioned below:
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