|Step 1||For any planned hospitalization, kindly intimate to TPA and seek cashless authorization atleast 72 hours prior to the start of the hospitalization.|
|Step 2||For any emergency hospitalization, inform TPA within 48 hours of the hospitalization.|
|Step 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.|
|Step 4||Please pay the non medical and expenses which are not covered to the hospital prior to the discharge.|
|Step 5||In case the ailment/treatment is not covered under the policy, a rejection letter would be sent to the hospital Within 2 hours.|
|Reimbursement Claims Process|
|Step 1||In case of hospitalization notify Royal Sundaram within 24-48 hours of your admission in our network or non network hospital. After getting admitted settle bills directly to the hospital.|
|Step 2||On discharge, please ensure you collect all relevant documents, invoices, medical reports and discharge certificate from the Hospital in originals.|
|Step 3||Send these documents and the completely filled and signed claim form to us along with your valid ID proof and age proof. The claim form is available on the company website and in your policy document kit as well.|
|Step 4||We review your claim request and the supporting documents provided along with the claim form. Accordingly based on policy terms & conditions, Royal Sundaram will approve, query or reject the same.|
|Step 5||Subject to the claim being approved, Royal Sundaram will settle the claim (as per policy terms & conditions) and reimburse the approved amount to the insured.|
The earlier the better, typically, everyone should consider buying a health insurance policy in their early 20's and one has just started earning. Health insurance also helps in planning within a family to ensure there is financial coverage in case of an unexpected health emergency. It also offers wider coverage at a lower premium.
Looking at the healthcare inflation cost coupled with the lifestyle disease epidemic, health insurance is needed to help you pay for health care in the event of an unexpected illness or injuries. Health insurance covers medical uncertainties and ensures quality medical treatment at the time of need.
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.
|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|
Your ideal sum insured or total coverage would highly depend on factors such as your current age, lifestyle, medical history, income and place of residence. Looking at the medical inflation, most of our customers prefer a health insurance policy with a sum insured of 5 lacs and above.
Factors for medical insurance in India, How much is the premium and the coverage offered by India health insurance plans..Click here to read more