Welcome to Lifeline!

We will cover charges for app based cabs service incurred towards transportation of an Insured Person at the time of getting admitted to the Hospital or discharge to the Hospital. This benefit is available only on reimbursement basis on the basis of submission of an invoice generated by a digital app based cab service and the invoice should mention details such as date, location of pick-up and drop and time of pick-up and drop. e.g. Ola and Uber. Hand-written paper invoice will not be accepted. The maximum benefit will be restricted up to sub-limit of ambulance cover applicable to your Plan. The benefit is available only for cab ride taken by the Insured Person at the time of Hospital admission or discharge.

• Refresh of Sum Insured is a part of Re-load of Sum Insured. Re-load of Sum Insured is payable only in case of a) Base Sum Insured and No Claim Bonus is completely exhausted. b) same Insured for Illness other than for which claims has already been paid in the same policy year. c) different Insured for the same Illness for which claims has already been paid in the same policy year. The Refresh of Sum Insured shall be available for subsequent claims towards an Illness/Disease/Injury (including complications) for which a claim has been paid or accepted as payable in the current Policy Year for the same Insured.
  Person under Inpatient Care. For triggering Refresh of Sum insured, Insured Person or immediate kin will have to provide his written consent for utilizing Refresh of Sum Insured.
• Refresh of Sum Insured is available only once in the lifetime of the policy for any one member in a policy.
• If the Refresh of Sum Insured is partially utilised in a Policy Year, it shall not be carried forward to any subsequent Policy Year.
• Refresh of Sum Insured is applicable only for Baseline Cover benefits and not for optional benefits.

• We will cover hospitalization expenses resulting from any of the Pre-existing disease which has been specifically disclosed by you at the time of inception of the policy and has been mentioned in the Policy schedule issued to you.
• This benefit is available only in the event of Life Threatening condition.
• Certification by the treating Medical Practitioner of such life threatening emergency condition.
• This benefit is limited to a maximum of ₹ 1,00,000.
• This benefit is available only once in the Lifetime of the Policy at a policy level.
• This benefit is available only on reimbursement mode.
• This benefit can be availed by any one of the member in the policy. Once utilized by any member will not be available to other members in the policy in future.

• If you are hospitalized on the advice of a Doctor and required you to undergo Bariatric Surgery during the Policy period.
• This benefit is available to Insured Person aged 18 years or older, presence of severe obesity documented in contemporaneous clinical records and BMI of Insured Person greater than or equal to 35 which is leading to medical complications and bariatric surgery is needed to deal with such complications.
• This benefit is available only if insured Person has opted for Supreme Plus for a period of 72 months without any break.
• Policies which are issued with continuity under portability guidelines either from our existing Health Product or any other Non-Health or Standalone Health Insurance Company will have to wait for 72 months from the date of inception of Supreme Plus optional cover.
• Our maximum liability will be restricted to ₹ 50,000.
• Bariatric surgery performed for Cosmetic reasons is excluded.
• This benefit shall not apply where the surgery is performed for:
• Reversible endocrine or other disorders that can cause obesity
• Current drug or alcohol abuse
• Uncontrolled, severe psychiatric illness
• Lack of comprehension of risks, benefits, expected outcome, alternatives and lifestyle changes required with bariatric surgery.
• Any future complications arising out of bariatric treatment post-surgery will not be covered.
• At the time of claiming the benefit, Insured Person should be covered under Supreme Plus.

• We shall cover expenses incurred by Insured Person towards mobility devices such as walkers, manual wheelchair, crutches, splints, external prosthetics, slings, plasters, etc. which has been advised as a part of treatment to deal with the disability induced by an accident. These expenses can be part of in-patient or post-discharge. This is not payable in case of Pre-hospitalisation, out-patient treatment and any sickness related claims.
• This benefit is only available if the claim of accidental injury has been admissible by us.
• Our maximum liability will be restricted to 5% of the Sum Insured or ₹ 50,000 whichever is lesser.

• Angioplasty
• Benign brain Tumor
• Blindness
• Deafness
• End stage lung Failure
• End stage liver failure
• Loss of speech
• Loss of limbs
• Major head trauma
• Primary (idiopathic) pulmonary hypertension
• Third degree burns

We will cover charges for app based cabs service incurred towards transportation of an Insured Person at the time of getting admitted to the Hospital or discharge to the Hospital.

This benefit is available only on reimbursement basis on the basis of submission of an invoice generated by a digital app based cab service and the invoice should mention details such as date, location of pick-up and drop and time of pick-up and drop. e.g. Ola and Uber. Hand-written paper invoice will not be accepted. The maximum benefit will be restricted up to sub-limit of ambulance cover applicable to your Plan. The benefit is available only for cab ride taken by the Insured Person at the time of Hospital admission or discharge.

• Refresh of Sum Insured is a part of Re-load of Sum Insured. Re-load benefit is payable only in case of a) Base Sum Insured and No Claim Bonus is completely exhausted. b) same Insured for Illness other than for which claims has already been paid in the same policy year. c) different Insured for the same Illness for which claims has already been paid in the same policy year. The Refresh of Sum Insured shall be available for subsequent claims towards an Illness/Disease/Injury (including complications) for which a claim has been paid or accepted as payable in the current Policy Year for the same Insured Person under Inpatient Care. For triggering Refresh of Sum insured, Insured Person or immediate kin will have to provide his written consent for utilizing Refresh of Sum Insured.
• Refresh of Sum Insured can be utilized only once in the lifetime of the policy by any of the Insured members.
• If the Refresh of Sum Insured is partially utilised in a Policy Year, it shall not be carried forward to any subsequent Policy Year.
• Refresh of Sum Insured is applicable only for Baseline Cover benefits and not for optional benefits.

• We will cover hospitalization expenses resulting from any of the Pre-existing disease which has been specifically disclosed by you at the time of inception of the policy and has been mentioned in the Policy schedule issued to you.
• This benefit is available only in the event of Life Threatening condition.
• Certification by the treating Medical Practitioner of such life threatening emergency condition.
• This benefit is limited to a maximum of ₹ 2,00,000.
• This benefit is available only once in the Lifetime of the Policy at a policy level.
• This benefit is available only on reimbursement mode.
• This benefit can be availed by any one of the member in the policy. Once utilized by any member will not be available to other members in the policy in future.

• If you are hospitalized on the advice of a Doctor and required you to undergo Bariatric Surgery during the Policy period.
• This benefit is available to Insured Person aged 18 years or older, presence of severe obesity documented in contemporaneous clinical records and BMI of Insured Person greater than or equal to 35 which is leading to medical complications and bariatric surgery is needed to deal with such complications.
• This benefit is available only if insured Person has opted for Elite Plus for a period of 48 months without any break.
• Policies which are issued with continuity under portability guidelines either from our existing Health Product or any other Non-Health or Standalone Health Insurance Company will have to wait for 48 months from the date of inception of Elite Plus optional cover.
• Our maximum liability will be restricted to ₹ 2,00,000.
• Bariatric surgery performed for Cosmetic reasons is excluded.
• This benefit shall not apply where the surgery is performed for:
• Reversible endocrine or other disorders that can cause obesity
• Current drug or alcohol abuse
• Uncontrolled, severe psychiatric illness
• Lack of comprehension of risks, benefits, expected outcome, alternatives and lifestyle changes required with bariatric surgery.
• Any future complications arising out of bariatric treatment post-surgery will not be covered.
• At the time of claiming the benefit, Insured Person should be covered under Elite Plus.

• We shall cover expenses incurred by Insured Person towards mobility devices such as walkers, manual wheelchair, crutches, splints, external prosthetics, slings, plasters, etc. which has been advised as a part of treatment to deal with the disability induced by an accident. These expenses can be part of in-patient or post-discharge. This is not payable in case of Pre-hospitalisation, out-patient treatment and any sickness related claims.
• This benefit is only available if the claim of accidental injury has been admissible by us.
• Our maximum liability will be restricted to ₹ 50,000.

• Angioplasty
• Benign brain Tumor
• Blindness
• Deafness
• End stage lung Failure
• End stage liver failure
• Loss of speech
• Loss of limbs
• Major head trauma
• Primary (idiopathic) pulmonary hypertension
• Third degree burns

• End Stage Liver Disease
• End Stage Lung Disease
• Third Degree burn

• A waiting period of 48 months from the date of inception of the Elite Plus with the Company for the insured person.
• The maximum cumulative liability in lifetime of the policy of the Company for such treatment shall be limited to ₹ 2,50,000/-.
• For the purpose of claiming under this benefit, in- patient treatment is not mandatory.
• For claim under this benefit, Insured person should have opted for Elite Plus for a period of 48 months without any break.
• Re-load and Refresh of Sum Insured Benefit shall not be applicable for this benefit.
• This Benefit can be used for a maximum of 3 cycles subject to a maximum of ₹ 2,50,000 as a cumulative benefit.
• To be eligible for this benefit both husband and wife should stay insured continuously without break for a period of 48 months under Elite Plus.
• This benefit does not cover Surrogacy.
• This benefit covers intrauterine insemination (IUI), Intra-Cytoplasmic Sperm Injection (ICSI), In-Vitro Fertilisation(IVF).
• Maximum age of female member should be less than 45 years
• To claim under this benefit, we would require certificate and case history from the treating doctor which has necessitated treatment.
• Available once in lifetime of the policy for a maximum of 3 IVF cycles.
• Under this benefit, maximum of 3 cycles of the treatment as mentioned above should be utilized in maximum 3 consecutive policy years.
• At the time of claiming the benefit, Insured Person should be covered under Elite Plus.
• Any treatment or side effects resulting in hospitalization arising as a consequence to infertility treatment is not payable.

Note: For processing claim under In-Vitro Fertilisation(IVF) Treatment, following additional documents will be required to be submitted:

• Certificate from treating medical practitioner mentioning the exact diagnosis, case history with treatment advised.
• All previous consultation papers indicating history and treatment details.

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 Hospitalisation 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 Hospitalisation 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 Hospitalisation - 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

Lifeline offers 3 different plans - Classic, Supreme and Elite. Sum Insured offered under these plans is as mentioned below:

Plans	Sum Insured
Classic	Rs.2lacs, Rs.3lacs, Rs.4lacs
Supreme	Rs.5lacs, Rs.10lacs, Rs.15lacs, Rs.20lacs
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.

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

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 hospitalisation for the treatment of the critical illness covered. It will also cover the return airfare upto RS3lacs 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.

Worldwide Emergency hospitalisation covers hospitalisation 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 Hospitalisation 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 RS20 lacs.

Lifeline covers Worldwide Emergency Hospitalisation 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.

Yes, Lifeline also provide coverage for Ayush Treatment in case of Inpatient Hospitalization. Please note that OPD treatment undertaken in Ayush is not covered

Organ Donor Expenses covers the expenses incurred on the hospitalisation 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-hospitalisation 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 RS3lacs, and initial claim was of RS2.5lacs, Restore will not be triggered for second claim (of different illness or different person) of RS1lac and only RS50,000 will be paid. Whereas, Reload will be triggered and entire RS1lac will be paid).

Pre Hospitalisation covers the medical expenses incurred before hospitalisation for Diagnostic Test, Medication, etc

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

Pre & Post Hospitalisation expenses are covered upto Sum Insured.

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.

Lifeline offers annual health check-up for Supreme & Elite Plan and once in 2 years for 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

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 hospitalisation. It is covered upto RS3,000 in Classic, RS5,000 in Supreme and RS10,000 in Elite.

Expenses incurred on Hearse Van is not covered.

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

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 hospitalisation will not be covered in the policy during waiting period.

The 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%

Eg: Premium for a 35 year old for a Sum Insured of RS5lacs is RS5,549 in Mumbai (Zone 1) and RS4,717 in Nasik (Zone 2).

The entire country has been divided into 2 Zones.

Zone 1: Delhi/NCR, Mumbai (inc. Thane and Navi Mumbai), Bengaluru, Chennai, Pune, Hyderabad, Kolkata and Gujarat.

Zone 2: Rest of India

If you reside in Zone 2, you get the option to choose between a National or Specified Network for cashless hospitalisation

• National Network: Royal Sundaram Network Provider - All India.
• Specified Network: Royal Sundaram Network Provider excluding hospitals in Zone 1.
  • Choosing Specified Network excludes from Royal Sundaram’s network hospitals located in Zone 1.
  • Choosing Specified Network would also attract a 10% discount for your premium calculation.

If Specified Network is chosen at the time of purchase, all claims for treatment at hospitals located in Zone 1, will be settled on re-imbursements basis only and a 20% co-payment will apply for all such claims.

Eg: Premium for a 35 year old for a Sum Insured of RS5lacs is RS5,549 in Mumbai (Zone 1) and RS4,717 in Nasik (Zone 2). If the customer opts for specified network hospitalisation, the premium for Nasik will further drop by 10% to RS4,245. (all premiums are exclusive of service tax).

There are many out of pocket expenses like Cab charges, Attendant Food expenses, etc which are not covered under the normal Hospitalisation policies. Hospital Cash pays a lump sum amount to cater to these miscellaneous expenses. We will pay for upto 30 days of hospitalisation in a policy year if the stay of hospitalisation 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 RS1 lac, RS2 Lacs, RS3 lacs, RS4 Lacs, RS5 Lacs and RS10Lacs. 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

If you are stuck in an emergency due to accident or illness in India, we will assist to transport you safely from one hospital to another hospital to provide a suitable medical treatment.

For eg, in case of a natural calamity like Kashmir Flood, you are rescued by Army and admitted in a hospital in one of the relief camp. Royal Sundaram will arrange for Domestiv Evacuation from this hospital to another hospital having better medical facilities for treatment.

This benefit is available for Supreme and Elite only. Any expenses beyond the limit (RS1lac for Supreme and RS3lacs for Elite) has to be paid by you.

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 RS5lacs (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% (RS1lac). In second year, if you claimed then on second renewal your NCB of RS1lac will remain intact and it will not be reduced.

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 RS5lacs	Sum Insured RS10lacs, RS15lacs & RS20lacs	Sum Insured above RS20lacs
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

# - Subject to no adverse health condition.

If a customer with diabetes or hypertension can be offered Lifeline subject to underwriting criteria. Underwriter will evaluate the medical history and accept the case either on standard rates or with loading/co-payment.

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.

First year vaccinations for New Born Baby is covered if claim for maternity benefit (covered only under Elite Plan) is payable.

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

Lifeline not only takes care of your medical expenses but also provide benefits which help you in proactively manage your good health. You can obtain opinion from a doctor using our Health & Wellness Program. You can email your query on fever and you will get a response within 24 working hours. Please note that this does not substitute the medical treatment you would have otherwise taken.

Doctor on Chat facility is through email which can be accessed through Internet either on computer or mobile phone.

Yes, you can buy 2 policies subject to medical underwriting.

You can buy 2 years or 3 years policy in Lifeline. You get a discount of 7.5% for 2 year policy tenure and 12% for 3 year policy tenure.

You can either buy a fresh policy of Lifeline or port the existing policy.

Ventillator treatment is covered if the person is not brain dead.

Any hospitalisation due to these natural calamities like Hudhud is covered.

If 2 individual policies of Lifeline are converted into Family Floater, the NCB transferred will be the lower of the 2 policies.

Worldwide Emergency Hospitalisation covers treatment abroad due to any emergency. Treatment of Piles is not an emergency hospitalisation and customer can wait to return back to India and take treatment. Generally, Piles is under 2 year waiting period.

Yes. There is no capping on room rent category and customer can choose from any of the room available in hospital

Expenses which are not related to hospitalisation are normally not covered. Please refer to policy document for details of exclusion