Individual Health Insurance and Family Floater Plan | Royal Sundaram
About Lifeline – Individual and Family Health Insurance Plan
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.
Who Can Be Covered ?
Key Benefits of Lifeline Plans

Reload Sum Insured
100% Reload of Sum Insured at no extra cost

No Room Rent Capping
No Room Rent Capping or Disease Specific Limits

Double Your Sum Insured
Double Your Sum Insured in 5 claim free years with No Claim Bonus

Coverages
Covers Ayush Treatment as well as vaccination in case of Animal Bite
Coverages
If you are looking for a Comprehensive Health Insurance Plan for you and your family at an affordable price, then Lifeline Classic is the most suitable plan for you.
Any individual above 18 years of age can purchase Lifeline. Lifeline is offered as an Individual plan and as a Family Floater plan for self, spouse and children.
Cover Options:
Lifeline Classic caters to the health insurance needs of people looking for an affordable health insurance plan. This plan comes with sum insured options of Rs. 2 lacs, Rs. 3 lacs, and Rs. 4 lacs.
Key Benefits:
Lifeline Classic offers an array of benefits along with significant health cover for certain illnesses, medical conditions, and critical health situations.
Here are the list of key benefits covered and exclusions voided in the Lifeline Classic plan.
Lifeline Classic comes with the below key benefits:
- Inpatient Hospitalization expenses
- Pre and Post-hospitalization expenses amortized up to the amount of sum insured for 30 days and 60 days respectively
- Coverage of all day care procedures up to the sum insured amount.
- Ambulance cover up to Rs.3,000.
- Expenses for Treatment of Organ Donor covered up to the sum insured.
- Domiciliary hospitalization charges covered up to the sum insured.
- 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.
- 100% Reload of sum insured during the treatment of different illnesses in the event of complete exhaustion of sum insured and NCB.
- AYUSH Treatment - Inpatient hospitalization cover up to Sum Insured in Government Hospitals and up to Rs.20,000 in other hospitals.
- Covers Vaccination in case of animal bite up to Rs.2,500.
- Provision of complete health check-up available once every 3rd policy year.
- Preventive Healthcare and Wellness.
For certain medical conditions, the company will not be liable to pay any claim under the Lifeline Classic health insurance plan. Here is the illustrative list of Exclusions that are not covered under the policy:
- Pre-existing medical conditions as mentioned in the policy and declared by the insured at the time of purchasing policy will be covered only after 48 months of uninterrupted policy coverage. Claims are void if there is any gap in policy renewal.
- Diseases contracted by the insured person within first 30 days after the commencement of policy are excluded from claims.
- Diseases such as Cataract, Benign Prostatic Hypertrophy, Knee/Hip Replacement, Chronic Renal Failure/ End Stage Renal Failure etc., will not be covered during the first two years of insurance.
- Permanent exclusions include medical cover availed due to Addictive Conditions and Disorders, Adventure or Hazardous Sports, Ageing and Puberty, Alternative Treatment (except AYUSH), Artificial Life Maintenance, Charges for Medical Papers, Circumcision, Conflict and Disaster, Congenital Conditions, Convalescence and Rehabilitation, Cosmetic Surgery, Dental/Oral Treatment, Drugs and Dressing for OPD Treatment or Take-home use, Eyesight Treatment, Health Hydros, Nature Cure, Wellness Clinics, HIV and AIDS, Hereditary Conditions, Hospitalization for Observation or Investigative purpose only, Items of personal comfort and convenience, Psychiatric and Psychosomatic Conditions, Obesity, OPD Treatment, Preventive Care, Reproductive Medicine, Self-inflicted Injuries, Sexual problems and gender issues, Sexually Transmitted Diseases, Sleep Disorders, Speech Disorders, Stem Cell Implantation, Treatment for Alopecia, Treatment for Developmental Problems, Treatment received outside India, Unproven/Experimental Treatment, Treatment from Unrecognized Hospital or Physician, Unrelated Diagnostic, or Injury due to Unlawful Activity.
Lifeline - Claims Procedure
Please review your Lifeline policy and familiarize yourself with policy benefits, terms and conditions and exclusions which will help you during claims.
All claims for 4 benefits - Second Opinion for 11 Critical Illness / Emergency Domestic Evacuation / Worldwide Emergency Hospitalization / International Treatment for 11 Specified Critical Illness will be serviced through Europ Assistance India Pvt. Ltd.
All claims for benefits other than 4 benefits will be serviced through Paramount Health Services & Insurance TPA Pvt.Ltd
Claim Intimation

1.You should intimate Royal Sundaram atleast 72 hours prior to hospitalization in case of planned hospitalization or within 48 hours in case of any emergency hospitalization
- 24 x 7 Toll Free: 1800-425-6645
- Email: customer.services@royalsundaram.in

2.Provide the following details during intimation:
- Name of the patient (insured person)
- Diagnosis
- Hospital Details – Name, Address, Contact No
- Treating Doctor Details – Name & Contact No
- Date of Hospitalization
- Expected Discharge
Contact Details of Service Provider:
The following 2 benefits are serviced through the below mentioned service provider.
- Second opinion for critical illness.
- Emergency domestic evacuation
- Worldwide Emergency Hospitalization
- International Treatment for 11 Specified Critical Illness
Europ Assistance India Pvt Ltd
301, C Wing, Business Square, Andheri Kurla Road,
Chakala, Andheri (East), Mumbai – 400093
Contact No: + 91-22-67347878
Email: royalsundaram@europ-assistance.in
Cashless claims will be serviced by one of the following TPAs (please refer policy schedule):
Paramount Health Services & Insurance TPA Pvt.Ltd.
Plot No A 442, Road no:28, MIDC Industrial Area,
Wagle Estate, Ram Nagar, Thane West - 400 604
Contact details:+91-22-66444600
Toll Free Help Line Number:1800 22 6655
Medi Assist Insurance TPA Private Limited
IBC Knowledge Park, 4th Floor, Tower D, Bannerghatta Road,
Bangalore 560 029
Toll Free Number :1800 419 1172
Email :royalsundaram@mediassist.in
Procedure to avail Pre-Authorization for Cashless facility

1.For any planned hospitalization, kindly intimate to TPA and seek cashless authorization atleast 72 hours prior to the start of the hospitalization.

2.2. For any emergency hospitalization, inform TPA within 48 hours of the hospitalization.

3.3. TPA will check your coverage as per the eligibility and send a cashless authorization letter to the hospital within 3 hours post receipt of complete documents. In case there is any deficiency in the documents sent, the same will be communicated to the hospital within 3 hours of receipt of documents.

4.4. Please pay the non medical and expenses which are not covered to the hospital prior to the discharge.

5.In case the ailment/treatment is not covered under the policy, a rejection letter would be sent to the hospital Within 2 hours
Note:
You are entitled for cashless only in our Network Hospitals, list of which can be referred on our website. Rejection of cashless in no way indicated rejection of the claim.
Contact Details of Service Provider:
The following 4 benefits are serviced through the below mentioned service provider.
- Second opinion for critical illness.
- Emergency domestic evacuation
- Worldwide Emergency Hospitalization
- International Treatment for 11 specified Critical Illness
Europ Assistance India Pvt Ltd
Star Hub Building No. 2, 7THFloor, Near ITC Maratha Hotel,
Sahar, Andheri East, Mumbai – 400 059
24 hour dedicated landline number is +91-22-67872035
Email: royalsundaram@europ-assistance.in
Cashless claims will be serviced by one of the following TPAs (please refer policy schedule):
Paramount Health Services & Insurance TPA Pvt.Ltd.
Plot No A 442, Road no:28, MIDC Industrial Area,
Wagle Estate, Ram Nagar, Thane West - 400 604
Contact details:+91-22-66444600
Toll Free Help Line Number:1800 22 6655
Medi Assist Insurance TPA Private Limited
IBC Knowledge Park, 4th Floor, Tower D, Bannerghatta Road,
Bangalore 560 029
Toll Free Number :1800 419 1172
Email :royalsundaram@mediassist.in
Procedure for Reimbursement Claims

1.Please send the duly filled and signed claim form and all the information/documents mentioned* therein to Royal Sundaram within 30 days from the date of discharge. * Please refer to claim form for complete documentation.

2.If there is any discrepancy in the documents/information submitted by you, Royal Sundaram will send the deficiency letter within 7 days of receipt of claim documents.

3.On receipt of the complete set of claim documents, Royal Sundaram will make the payment for the admissible amount (as per Policy Terms & Conditions), along with a settlement letter within 30 days.

4.The payment will be made in the name of the proposer.

5.Claim documents can be sent on:
Health Claims Department
Royal Sundaram General Insurance Co Ltd
Vishranthi Melaram Towers,
No.2/319, Rajiv Gandhi Salai (OMR)
Karapakkam, Chennai – 600097
Contact Details of Service Provider:
The following 2 benefits are serviced through the below mentioned service provider.
- Second opinion for critical illness.
- Emergency domestic evacuation
- Worldwide Emergency Hospitalization
- International Treatment for 11 Specified Critical Illness
Europ Assistance India Pvt Ltd
301, C Wing, Business Square, Andheri Kurla Road,
Chakala, Andheri (East), Mumbai – 400093
Contact No: + 91-22-67347878
Email: royalsundaram@europ-assistance.in
Cashless claims will be serviced by one of the following TPAs (please refer policy schedule):
Paramount Health Services & Insurance TPA Pvt.Ltd.
Plot No A 442, Road no:28, MIDC Industrial Area,
Wagle Estate, Ram Nagar, Thane West - 400 604
Contact details:+91-22-66444600
Toll Free Help Line Number:1800 22 6655
Medi Assist Insurance TPA Private Limited
IBC Knowledge Park, 4th Floor, Tower D, Bannerghatta Road,
Bangalore 560 029
Toll Free Number :1800 419 1172
Email :royalsundaram@mediassist.in
Procedure to avail Pre-Authorization for Cashless facility (for Worldwide Emergency Hospitalization)

1.You need to notify the Service Provider within 24 hours of hospitalization.

2.Our Service Provider will evaluate the request and the eligibility of the Insured Person under the Policy and call for more information or details, if required.

3.Our Service Provider will communicate directly to the Hospital whether the request for pre-authorization has been approved or denied.

4.If the pre-authorization request is approved, Our Service Provider will directly settle the claim with the Hospital. Any additional costs or expenses incurred by or on behalf of the Insured Person beyond the limits pre-authorized by the Service Provider shall be borne by the Insured Person.
Contact Details of Service Provider:
The following 2 benefits are serviced through the below mentioned service provider.
- Second opinion for critical illness.
- Emergency domestic evacuation
- Worldwide Emergency Hospitalization
- International Treatment for 11 Specified Critical Illness
Europ Assistance India Pvt Ltd
301, C Wing, Business Square, Andheri Kurla Road,
Chakala, Andheri (East), Mumbai – 400093
Contact No: + 91-22-67347878
Email: royalsundaram@europ-assistance.in
Cashless claims will be serviced by one of the following TPAs (please refer policy schedule):
Paramount Health Services & Insurance TPA Pvt.Ltd.
Plot No A 442, Road no:28, MIDC Industrial Area,
Wagle Estate, Ram Nagar, Thane West - 400 604
Contact details:+91-22-66444600
Toll Free Help Line Number:1800 22 6655
Medi Assist Insurance TPA Private Limited
IBC Knowledge Park, 4th Floor, Tower D, Bannerghatta Road,
Bangalore 560 029
Toll Free Number :1800 419 1172
Email :royalsundaram@mediassist.in
Procedure for International Treatment for 11 specified Critical Illness

1.In the event of the diagnosis of a Specified Critical Illness, the Insured Person should call Our Service Provider immediately and in any event before the commencement of the travel for treatment overseas, on the helpline number specified in the Schedule of Insurance Certificate requesting for a pre-authorization for the treatment.

2.• Our Service Provider will evaluate the request and the eligibility of the Insured Person the Policy and call for more information or details, if required.

3.Our Service Provider will communicate directly to the Hospital and the Insured Person whether the request for pre-authorization has been approved or denied.
If the pre-authorization request is approved, Our Service Provider will directly settle the claim with the Hospital. Any additional costs or expenses incurred by or on behalf of the Insured Person beyond the limits pre-authorized by the Service Provider or at any Non-Network Hospital shall be borne by the Insured Person.
Contact Details of Service Provider:
The following 2 benefits are serviced through the below mentioned service provider.
- Second opinion for critical illness.
- Emergency domestic evacuation
- Worldwide Emergency Hospitalization
- International Treatment for 11 Specified Critical Illness
Europ Assistance India Pvt Ltd
301, C Wing, Business Square, Andheri Kurla Road,
Chakala, Andheri (East), Mumbai – 400093
Contact No: + 91-22-67347878
Email: royalsundaram@europ-assistance.in
Cashless claims will be serviced by one of the following TPAs (please refer policy schedule):
Paramount Health Services & Insurance TPA Pvt.Ltd.
Plot No A 442, Road no:28, MIDC Industrial Area,
Wagle Estate, Ram Nagar, Thane West - 400 604
Contact details:+91-22-66444600
Toll Free Help Line Number:1800 22 6655
Medi Assist Insurance TPA Private Limited
IBC Knowledge Park, 4th Floor, Tower D, Bannerghatta Road,
Bangalore 560 029
Toll Free Number :1800 419 1172
Email :royalsundaram@mediassist.in
FAQs
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
- Classic - Rs.2 lacs, Rs.3 lacs, Rs.4 lacs
- Supreme - Rs.5 lacs, Rs.10 lacs, Rs.15 lacs, Rs.50 lacs
- Elite - Rs.25 lacs, Rs.30 lacs, Rs.50 lacs, Rs.100 lacs, 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.
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.
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.
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).
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 |
Initial Waiting Period is the cooling period applied at the start of new policy. This waiting period is not applicable for renewal policy or portability policy. Only Accidents are covered in the Intial Waiting period.
Pre Existing Disease waiting period is the waiting period applied for any of the existing disease customer is suffering from. It might vary from 4 years in Classic to 2 years in Elite Plan. With each policy year, the pre existing disease waiting period reduces by 1 year. Any claim related to pre existing disease hospitalization will not be covered in the policy during waiting period.
TThe Premium charged on the Policy will depend on the Sum Insured, Policy Tenure, Age, Policy Type, Zone of Cover and Optional Covers opted. Additionally the health status of the individual will also be considered and premium might be loaded depending on the health condition.
For the purpose of calculating premium, the country has been divided into 2 Zones.
Zone 1: Delhi/NCR, Mumbai (inc. Thane and Vashi), Bengaluru, Chennai, Pune, Hyderabad, Kolkata and Gujarat.
Zone 2: Rest of India.
A discount of 15% for members in Zone 2 will be applicable. Grid as below:
ZONE | Discount |
Zone 1 | 0% |
Zone 2 | 15% |
There are many out of pocket expenses like Cab charges, Attendant Food expenses, etc which are not covered under the normal Hospitalization policies. Hospital Cash pays a lump sum amount to cater to these miscellaneous expenses. We will pay for upto 30 days of hospitalization in a policy year if the stay of hospitalization is more than 2 days.
It is a optional cover and customer can opt for the Hospital Cash benefit at the time of new purchase or renewal.
“ You can choose from one of six optional deductibles of Rs 1 lac, Rs 2 Lacs, Rs 3 lacs, Rs. 4 Lacs, Rs 5 Lacs and Rs.10 Lacs. By doing so you will receive a discount in the premium calculation of your Policy. You can choose the top up cover under Classic & Supreme variant “
If a top-up plan (on annual aggregate deductible) is chosen then the insured person shall bear all assessed claim amounts payable under the policy up to the deductible amount, under his policy for any Policy Year. Our liability to make payment under the Policy in respect of any claim made in that Policy Year will only commence once the Deductible has been exhausted.
In case of per claim deductible, top up plan is applicable if the claim amount exceeds the deductible amount. In Lifeline, deductible is on aggregate basis and not per claims basis.
If you are suffering from 11 critical illnesses as mentioned below and feel uncertain about your diagnosis or wish to get a second opinion of an expert/doctor, we arrange one for free of cost for you:
- 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
To avail this benefit, you need to contact us and we will arrange for the second opinion. You can choose from our empanelled doctors/hospitals. Please note that this benefit is not on reimbursement basis.
Every insured person will have to answer the medical questions as mentioned in proposal form. Basis the response to those medical questions, underwriters will decide on the medical test to be undertaken.
Apart from that, every insured person will be subject to medical test as per below grid.
Age/Sum Insured | Sum Insured upto Rs.5lacs | Sum Insured Rs.10lacs, 15lacs & Rs.20lacs | Sum Insured above Rs.20lacs |
Upto 5 years | No Check-up# | No Check-up# | No Check-up# |
6 years to 18 years | No Check-up# | No Check-up# | MER |
19 years to 45 years | No Check-up# | CBC, ESR, URA, MER, FBS/HbA1C, S Cholesterol, ECG, SGPT, S Creatinine | CBC, ESR, URA, MER, HbA1C, Lipid Profile, TMT or 2D Echo, LFT with GGT, RFT, HBsAg, S Creatinine |
46 years and above | CBC, ESR, URA, MER, FBS/HbA1C, S Cholesterol, ECG, SGPT, S Creatinine | CBC, ESR, URA, MER, HbA1C, Lipid Profile, TMT or 2D Echo, LFT with GGT, RFT, HBsAg, S Creatinine | CBC, ESR, URA, MER, HbA1C, Lipid Profile, TMT or 2D Echo, LFT with GGT, RFT, HBsAg, S Creatinine |
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.
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.
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.
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.
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:
- 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
Medical expenses incurred on the treatment of New Born Baby is covered if claim for maternity benefit (covered only under Elite Plan) is payable. New Born Baby is covered till the renewal of the policy.
Lifeline allows coverage for maximum of 2 Adults and 4 Children and relationship between the insured has to be Self, Spouse and Dependent Children.
However, you can take 2 different policies of Lifeline to cover all of them.
- Policy 1 – Self, Wife and 2 Kids
- Policy 2 – Parents in Law
- Policy 3 - Aunt
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.
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.
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.
Lifeline offers 10% of Sum Insured upto a max of 50% of Sum Insured for Classic Plan and 20% of Sum Insured upto a max of 100% for Supreme and Elite plan.
Unlike NCB offered by other policies, there is no penalty in case of claim. Thus NCB earned by you remains as is even if you claim.
For eg, if you have a policy with SI of Rs.5lacs (Supreme Plan) and there has been no claim in the first year, then at the time of renewal you will get a NCB of 20% (Rs.1lac). In second year, if you claimed then on second renewal your NCB of Rs.1lac will remain intact and it will not be reduced.