Royal Sundaram Lifeline Supreme Health Insurance Plan

Eligibility age

Minimum age - 91 days for dependent children and 18 years for proposer or adults

Maximum age - 25 years for dependent children and lifetime entry age for adults.

Policy Type

Individual or Family Floater

Family Coverage

Self, spouse and up to 4 dependent children

Separate floater plan can be taken for parents or other dependents

Policy term

Option of 1 year, 2 years as well as 3 years

Renewability

Lifetime renewability

Renewal Premium

Premium payable on renewal based on the age at the time of renewal

Grace Period for Renewal

30 days from the date of expiry to renew the policy

Sum Insured

Minimum sum insured - Rs 5 lakhs

Maximum sum insured - Rs 50 lakhs

Cover offered

• Inpatient care covered up to Sum Insured

• Pre And Post Hospitalisation Expenses for 60 to 90 days covered up to Sum Insured

• All Day Care Procedures covered up to Sum Insured

• Ambulance Cover up to Rs 5,000

• Organ Donor Expenses covered up to Sum Insured

Discount

• Discount of 7.5% if the policyholder opts for a 2 year tenure

• 12% if the policyholder opts for a 3 year tenure

Benefits

Listed below are the benefits of Royal Sundaram Lifeline Supreme

• Domiciliary Hospitalisation covered up to Sum Insured

• No-Claim Bonus - 20% of Base Sum Insured up to a maximum of 100%

• Income Tax Saving on Premium Paid Under Section 80D of the IT Act

• Reload of Sum Insured up to Base Sum Insured

• Emergency Domestic Evacuation covered up to Rs 1 lakh

• After purchasing the policy, the policyholder can cancel and return the policy during the free look-in period of 15 days

Added Benefits

• Ayush Treatment - Covered up to Sum Insured in Government Hospitals and up to Rs 30,000 in other hospitals

• Vaccination in case of animal bite covered up to Rs 5,000

Health and Wellness Benefits

• Health Check-up once a year

• Preventive Healthcare & Wellness option available

• Second Opinion for 11 specified Critical Illness - Available once during the policy year

Customer Level Options

Top-up plan on Annual Aggregate Basis - Deductible of Rs

1 lakh, 2 lakh, 3 lakh, 4 lakh, 5 lakh and 10 lakhs

Hospital Cash (For 30 days in case of hospitalisation

beyond 2 Days) - Rs 2,000 per day

Exclusions

Listed below are some of the exclusions that are not covered by the Royal Sundaram Lifeline Supreme plan.

• The policy does not cover addictive conditions and disorders

• Cataract, knee/hip replacement, chronic renal failure etc are not covered under this policy

• Diseases contracted by the insured person within first 30 days after the commencement of policy are excluded from claims

• 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 36 months of uninterrupted policy coverage

• Critical Illness that are contracted by the insured person within first 90 days after the commencement of policy will not be considered for claims

• The policy does not offer cover for dental and oral treatment

• Ancillary hospital charges as well as cosmetic surgery are not covered

• AIDS is not covered under the policy

• X-Ray or Laboratory charges are not covered

• The policy does not cover conflicts and disasters

• Treatment received outside India is not covered under this plan